ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/

Zions Bancorporation, National Association is a regional bank holding company headquartered in Salt Lake City, Utah, with operations spanning eleven Western states including Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company operates through seven distinct regional bank subsidiaries: Zions Bank, California Bank & Trust, Amegy Bank, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington. Founded in 1873, the company employs approximately 9,195 full-time employees and maintains a significant presence across its service territories.

The company's business is organized around three primary revenue streams. Commercial and small business banking serves owner-operated and mid-sized enterprises with lending, leasing, depository, and cash management services. Capital markets and investment banking operations provide loan syndications, foreign exchange services, interest rate derivatives, fixed income underwriting, and mergers and acquisitions advisory. Commercial real estate lending focuses on construction, land development, and term financing for both commercial and residential purposes.

Retail banking and wealth management constitute the consumer-facing segments, offering residential mortgages, home equity products, consumer lending, depository services, consumer cards, and wealth management services including investment management and fiduciary services. The company also provides municipal and public finance services across its footprint. This diversified business model reflects Zions' positioning as a regional universal bank serving institutional, commercial, and retail customer bases throughout the Western United States.