ZIONS BANCORPORATION, NATIONAL ASSOCIATION

Zions Bancorporation, National Association is a bank headquartered in Salt Lake City, Utah, providing a wide range of banking products and related services. In 2025, the company reported annual net revenue of $3.4 billion and total assets of approximately $89 billion at December 31, 2025. The bank primarily operates in 11 Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. As of December 31, 2025, Zions Bancorporation served more than one million customers through 407 branches and various online, mobile, and digital channels, supported by 9,195 full-time equivalent employees. The company's operations are organized into seven separately managed, geographically defined bank divisions, referred to as affiliate banks, each operating under its own local brand and management team. These primary operating segments include Zions Bank, California Bank & Trust (CB&T), Amegy Bank (Amegy), National Bank of Arizona (NBAZ), Nevada State Bank (NSB), Vectra Bank Colorado (Vectra), and The Commerce Bank of Washington (TCBW), which also operates as The Commerce Bank of Oregon in Oregon. These affiliate banks emphasize local authority and accountability, including locally informed pricing and product customization. An enterprise-level "Other" segment supports these affiliates by providing governance and risk oversight, capital allocation, strategic objectives, centralized technology infrastructure, back-office operations, and certain business lines not managed through the affiliate structure.