Zions Bancorporation, National Association: directors' dealings · United States · SEC (Form 4)

About Zions Bancorporation, National Association

Zions Bancorporation, National Association /UT/ is a U.S. regional banking group listed on NASDAQ under the ticker ZION. The company is headquartered in Salt Lake City, Utah, United States. It serves retail customers, small and mid-sized businesses, middle-market corporates, and selected public-sector clients, offering a broad range of lending, deposit, treasury, and related financial services. In market positioning terms, Zions is best viewed as a relationship-driven regional bank with a strong Western U.S. footprint rather than a national money-center institution. ([zionsbancorporation.com](https://www.zionsbancorporation.com/about-us/company-info/default.aspx?utm_source=openai)) Zions’ roots go back more than a century, and its development has been shaped by a long-standing presence in the U.S. West and a strategy centered on local brands. Today, the group operates through seven separately managed affiliate banks, each with its own local identity and management team. These include Zions Bank, California Bank & Trust, Amegy Bank in Texas, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington and The Commerce Bank of Oregon. In 2024, the bank reported serving more than one million customers, supported by 404 branches and a full digital, mobile, and online delivery platform. ([sec.gov](https://www.sec.gov/Archives/edgar/data/0000109380/000010938025000040/zions-20241231.htm?utm_source=openai)) Its product set is typical of a diversified regional commercial bank, but with some niche strengths. Zions provides deposit accounts, commercial and commercial real estate lending, equipment finance, treasury management, liquidity solutions, cards, and digital banking services. It also highlights capabilities in public finance advisory and Small Business Administration lending, which support its reputation in selected market segments. The group’s strategy emphasizes long-term customer relationships, local decision-making, and customization of pricing and products to fit regional markets. ([sec.gov](https://www.sec.gov/Archives/edgar/data/0000109380/000010938025000040/zions-20241231.htm?utm_source=openai)) Geographically, Zions is concentrated in 11 Western and Southwestern states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. This footprint gives the bank exposure to a diverse set of regional economies while keeping its operating model focused and relatively disciplined. As of year-end 2024, Zions reported approximately $89 billion in assets and about $3.1 billion in annual net revenue. Net interest income remains the dominant revenue driver, although fee-based income and customer-related noninterest income are meaningful complements. ([sec.gov](https://www.sec.gov/Archives/edgar/data/0000109380/000010938025000040/zions-20241231.htm?utm_source=openai)) Recent developments have been centered on operating performance and governance. In the second quarter of 2025, Zions reported a higher net interest margin, helped by lower funding costs and growth in average interest-earning assets. In early 2026, the bank also released first-quarter earnings commentary and held its annual shareholders’ meeting on May 1, 2026. For investors, the key themes remain the same: a solid regional franchise, sensitivity to the U.S. rate cycle and credit conditions, and a business profile tied to the banking environment in the United States. ([sec.gov](https://www.sec.gov/Archives/edgar/data/109380/000010938025000102/zions-20250630.htm?utm_source=openai))