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Zions Bancorporation is a major regional bank holding company with ~$89B in assets, operating 8 locally-managed bank brands across 11 western states.
Data compiled from public sources
Zions Bancorporation, N.A. is a premier financial services company headquartered in Salt Lake City, Utah, with approximately $89 billion in total assets as of December 31, 2025, and annual net revenue of $3.4 billion. Founded with a long history in western banking, the company operates through a distinctive "Collection of Great Banks" model, maintaining local brand identity and management across multiple western markets.
Zions offers comprehensive banking services including checking and savings accounts, credit products, small business lending (particularly SBA loans), public finance advisory services, and deposit products. The company operates under eight distinct local bank brands: Zions Bank, California Bank & Trust, Amegy Bank, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, The Commerce Bank of Washington, and The Commerce Bank of Oregon. All deposits are protected by standard FDIC insurance coverage.
The company distinguishes itself through its locally-oriented operating model, where each market maintains autonomous management teams and brand identity rather than operating as a single monolithic institution. Zions is a consistent recipient of national and state-wide customer survey awards in small- and middle-market banking, and is recognized as a leader in public finance advisory services and SBA lending. The company's stock trades on NASDAQ under ticker ZION and is included in the S&P 400 Mid-Cap and NASDAQ Financial 100 Indices.
Zions is best suited for businesses and consumers in western markets seeking relationship-based banking from locally-managed institutions. As a mid-cap regional bank, it lacks the national branch density of the largest banks, and the website content does not detail specific consumer product offerings like credit cards, investment products, or digital banking features that would be relevant for comprehensive consumer finance decisions.
Zions Bancorporation, N.A. received 149 consumer complaints in the past 12 months. All complaints received a timely response from the company.
149
Complaints (12 months)
8.8%
Resolved with relief
Stable
Complaint trend
Most Common Complaint Categories
414 FDIC-insured branch locations nationwide.
Source: Consumer Financial Protection Bureau · FDIC BankFind
This is state-level context for Banks consumers in Salt Lake City, UT. It does not confirm that Zions Bancorporation, N.A. or this specific location is licensed.
State regulator
Utah Department of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Zions Bancorporation, N.A. processed 20,264 mortgage applications in 2023, with 65.9% recorded as approved across 23 states.
20,264
Applications
65.9%
Approval Rate
$385K
Avg Loan
23
States Served
Based on 20,264 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Zions Bancorporation, N.A. offers 11 services including Checking and savings accounts, Deposit products (savings, CDs implied by standard banking), Small Business Administration (SBA) lending, Small- and middle-market business banking, Public finance advisory services, and 6 more.
Zions Bancorporation, N.A. has profile signals associated with Small business owners and entrepreneurs seeking SBA lending and public finance services in western markets, Consumers in western states preferring relationship-based banking from locally-managed institutions, Households and local governments in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, or Wyoming.
Key strengths: Operates 8 locally-managed bank brands with autonomous teams in each market, providing personalized service; $89 billion in total assets provides stability and institutional resources; Consistent recipient of national and state-wide customer survey awards in small- and middle-market banking. Areas to consider: Limited to 11 western states—not available for consumers in eastern or central U.S. markets; Website lacks detailed information about specific consumer products, rates, or digital banking capabilities.
In the Banks category, comparable providers include Bank of Utah, Brighton Bank, Cache Valley Bank. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Zions Bancorporation is profile signals for small business owners, middle-market companies, and consumers in 11 western states seeking relationship-based banking with locally-managed service. The primary caveat is geographic limitation—the bank does not serve customers outside its western footprint, and the corporate website provides minimal detail about retail consumer products, rates, or digital banking features needed to evaluate it against competitors.
Bank of Utah is a full-service community bank offering personal and business checking, savings, loans, mortgages, and wealth management services with locally-made lending decisions.
Profile signals: Utah-based small business owners seeking locally-made commercial lending decisions and relationship banking, Homebuyers in Utah looking for a comprehensive home loan shop with multiple options (purchase, refinance, build, reverse mortgage)
FDIC-insured community bank serving Utah with 46+ years of experience, offering checking, savings, business banking, and digital financial tools for individuals and small businesses.
Profile signals: Small business owners in the Salt Lake City area seeking personalized banking relationships, Utah-based individuals and families prioritizing local community bank values
Community bank offering personal and business banking services with FDIC insurance, celebrating 50 years of local operations in Utah.
Profile signals: Utah-based small business owners seeking relationship-driven banking with local decision-making, Individuals and families prioritizing personalized service and community connection over digital-only convenience
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