ADDED
Small Business Administration ERMC Enterprise Risk Management Committee SBIC Small Business Investment Company ETO Enterprise and Technology Operations SEC Securities and Exchange Commission EVE Economic Value of Equity SOFR Secured Overnight Financing Rate FAMC Federal Agricultural Mortgage Corporation, or Farmer Mac TCBW The Commerce Bank of Washington, a division of Zions Bancorporation, National Association FDIC Federal Deposit Insurance Corporation U.S.
These statements reflect management s current expectations and assumptions regarding future events and outcomes.
Forward-looking statements are not guarantees and should not be relied upon as representing management s views as of any subsequent date.
Risk Factors, and other Securities and Exchange Commission ( SEC ) filings.
We caution against placing undue reliance on forward-looking statements, as they reflect our views only as of the date they are issued.
BUSINESS DESCRIPTION OF BUSINESS Zions Bancorporation, National Association ( Zions Bancorporation, N.A., the Bank, we, our, us ) 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.
We provide 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, we had more than one million customers, served through 407 branches and various online, mobile, and digital channels, and we had 9,195 full-time equivalent employees.
These affiliate banks constitute our primary operating segments.
We emphasize local authority and accountability, including locally informed pricing and product customization, to maximize customer satisfaction, strengthen community relationships, and improve profitability and shareholder returns.
REMOVED
Small Business Administration EVE Economic Value of Equity at Risk SBIC Small Business Investment Company FAMC Federal Agricultural Mortgage Corporation, or Farmer Mac SEC Securities and Exchange Commission FASB Financial Accounting Standards Board SOFR Secured Overnight Financing Rate FDIC Federal Deposit Insurance Corporation TCBW The Commerce Bank of Washington, a division of Zions Bancorporation, National Association FDICIA Federal Deposit Insurance Corporation Improvement Act U.S.
Forward-looking statements are not guarantees, nor should they be relied upon as representing management s views as of any subsequent date.
) credit ratings, or other economic disruptions; and Other assumptions, risks, or uncertainties described in this annual report, including in Part I, Item 1A.
We caution against undue reliance on forward-looking statements, which reflect our views only as of their date of issuance.
BUSINESS DESCRIPTION OF BUSINESS Zions Bancorporation, National Association ( Zions Bancorporation, N.A., the Bank, we, our, us ) is a bank headquartered in Salt Lake City, Utah with annual net revenue (net interest income and noninterest income) of $3.1 billion in 2024, and total assets of approximately $89 billion at December 31, 2024.
We provide a wide range of banking products and related services, primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming.
We had more than one million customers at year-end 2024, served by 404 branches and various online, mobile, and digital offerings.
We had 9,406 full-time equivalent employees at December 31, 2024.
We conduct our operations primarily through seven separately managed and geographically defined bank divisions, which we refer to as affiliates, or affiliate banks, each with its own local branding and management teams.
These affiliate banks constitute our primary business segments as referenced throughout this document.