Zions Bancorporation, National Association is a prominent U.S. regional bank that provides comprehensive banking and related financial services. Founded in 1873 and headquartered in Salt Lake City, Utah, the bank operates a network of branches across 11 western and southwestern states. Rather than operating as a traditional bank holding company, Zions functions as a single national bank charter with multiple local brands, including Zions Bank, Amegy Bank of Texas, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington. The company's core business model revolves around conventional banking operations, with a strong emphasis on small- and medium-sized commercial business lending, corporate banking, and commercial real estate. Additionally, Zions offers retail banking services, residential mortgages, wealth management, and public finance advisory services. The bank is primarily funded through core deposits gathered across its regional footprint and is recognized as a leading provider of Small Business Administration (SBA) loans.
