Zions Bancorp

Zions Bancorp is a bank headquartered in Salt Lake City, Utah, with annual net revenue (net interest income and noninterest income) of $3.4 billion in 2025, and total assets of approximately $89 billion at December 31, 2025. It provides a wide range of banking products and related services, primarily in 11 Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. At December 31, 2025, it had more than one million customers, served through 407 branches and various online, mobile, and digital channels, and it had 9,195 full-time equivalent employees. Operations are organized principally through seven separately managed, geographically defined bank divisions, referred to as "affiliates," or "affiliate banks," each operating under its own local brand and management team: 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 constitute the primary operating segments. Zions Bancorp emphasizes local authority and accountability, including locally informed pricing and product customization, to maximize customer satisfaction, strengthen community relationships, and improve profitability and shareholder returns. The affiliate banks are supported by an enterprise-level segment—referred to as the "Other" segment—which provides governance and risk oversight, capital allocation, and strategic objectives, and includes centralized technology infrastructure, back-office operations, and certain business lines that are not managed through the affiliate structure. Zions Bancorp strives to cultivate enduring relationships with its customers by offering competitive products and delivering high-quality service, which it views as fundamental to understanding and fulfilling customers' evolving needs.