Zions Bancorporation, National Association (ZION): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Zions Bancorporation, einem Finanzunternehmen, das das traditionelle Bankwesen durch innovative Ansätze und kundenorientierte Lösungen verändert. Durch die Nutzung eines ausgefeilten Business Model Canvas orchestriert dieser regionale Bankenriese ein komplexes Netzwerk aus Partnerschaften, Ressourcen und Wertversprechen, die ihn in der wettbewerbsintensiven Finanzdienstleistungslandschaft hervorheben. Von hochmodernen digitalen Plattformen bis hin zu personalisierten Bankerlebnissen zeigt Zions, wie ein gut ausgearbeitetes Geschäftsmodell Wachstum, Effizienz und sinnvolle Kundenbeziehungen im gesamten Westen der USA fördern kann.

Zions Bancorporation, National Association (ZION) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Allianzen mit Technologieanbietern für digitale Banking-Lösungen

Zions Bancorporation unterhält strategische Technologiepartnerschaften, um die Möglichkeiten des digitalen Bankings zu verbessern:

Technologiepartner	Fokus auf Zusammenarbeit
Fiserv, Inc.	Kernbankenplattform und digitale Infrastruktur
Jack Henry & Mitarbeiter	Zahlungsabwicklung und Softwarelösungen
Salesforce	Integration des Kundenbeziehungsmanagements (CRM).

Zusammenarbeit mit lokalen Unternehmen und Gemeinschaftsorganisationen

Zions Bancorporation engagiert sich in lokalen Partnerschaften in seinen regionalen Märkten:

• Partnerschaft mit dem Utah Technology Council
• Zusammenarbeit mit der Arizona Small Business Association
• Engagement der Colorado Economic Development Commission
• Networking der Handelskammer von Nevada

Partnerschaften mit Zahlungsabwicklungsnetzwerken

Zu den Zahlungsnetzwerkpartnerschaften gehören:

Netzwerk	Transaktionsvolumen (2023)
Visum	42,3 Milliarden US-Dollar
Mastercard	37,6 Milliarden US-Dollar
American Express	8,9 Milliarden US-Dollar

Beziehungen zu Ratingagenturen und Finanzdatenanbietern

Finanzdaten- und Bonitätsprüfungspartnerschaften:

• Zusammenarbeit bei der Kreditauskunft von Experian
• TransUnion-Risikomanagementpartnerschaft
• Bloomberg-Finanzdatenintegration
• S&P Global Market Intelligence-Datendienste

Gesamtinvestition der Partnerschaft im Jahr 2023: 87,5 Millionen US-Dollar

Zions Bancorporation, National Association (ZION) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Im vierten Quartal 2023 betrieb die Zions Bancorporation 418 Full-Service-Filialen in acht westlichen Bundesstaaten. Das gemeldete Gesamtvermögen belief sich auf 88,3 Milliarden US-Dollar. Der Nettozinsertrag für das Jahr erreichte 2,4 Milliarden US-Dollar.

Kategorie Bankdienstleistungen	Gesamtvolumen
Girokonten	573.000 aktive Konten
Sparkonten	412.000 aktive Konten
Geschäftsbankkunden	87.500 Gewerbekunden

Kreditvergabe und Kreditgeschäfte

Das gesamte Kreditportfolio belief sich zum 31. Dezember 2023 auf 68,2 Milliarden US-Dollar.

• Gewerbliche Immobilienkredite: 24,7 Milliarden US-Dollar
• Gewerbe- und Industriekredite: 19,5 Milliarden US-Dollar
• Verbraucherkredite: 12,3 Milliarden US-Dollar
• Hypothekendarlehen für Wohnimmobilien: 11,7 Milliarden US-Dollar

Entwicklung einer digitalen Banking-Plattform

Kennzahlen zum Engagement im digitalen Banking für 2023:

Digitaler Kanal	Benutzerbasis
Mobile-Banking-Benutzer	1,2 Millionen aktive Benutzer
Online-Banking-Benutzer	1,5 Millionen registrierte Benutzer
Digitales Transaktionsvolumen	47,3 Millionen Transaktionen

Risikomanagement und Finanzberatung

Kennzahlen der Risikomanagementabteilung:

• Gesamtes überwachtes Risikomanagementvermögen: 72,6 Milliarden US-Dollar
• Rückstellungen für Kreditverluste: 823 Millionen US-Dollar
• Quote notleidender Kredite: 0,62 %

Investment- und Vermögensverwaltungsdienstleistungen

Leistung der Vermögensverwaltungsabteilung im Jahr 2023:

Anlagekategorie	Gesamtvermögen
Verwaltete Anlageportfolios	22,4 Milliarden US-Dollar
Private Vermögenskunden	37.500 vermögende Privatpersonen
Rentenkontoverwaltung	15,6 Milliarden US-Dollar an Vermögenswerten

Zions Bancorporation, National Association (ZION) – Geschäftsmodell: Schlüsselressourcen

Umfangreiches Filialnetz

Ab dem vierten Quartal 2023 betreibt Zions Bancorporation:

Geografische Regionen	Anzahl der Filialen
Utah	85
Kalifornien	72
Arizona	45
Colorado	38
Gesamtzahl der Filialen	404

Digitale Banking-Technologie-Infrastruktur

Details zu Technologieinvestitionen:

• Jährliche Technologieausgaben: 187,4 Millionen US-Dollar im Jahr 2023
• Digitale Banking-Plattform: Zions Direct Online Banking
• Nutzer der Mobile-Banking-App: 672.000 aktive Nutzer

Humankapitalressourcen

Mitarbeiterkennzahlen	Zahlen
Gesamtzahl der Mitarbeiter	9,642
Durchschnittliche Betriebszugehörigkeit der Mitarbeiter	8,3 Jahre
Management mit fortgeschrittenen Abschlüssen	62%

Finanzielle Reserven

Kennzahlen zur Kapital- und Finanzstabilität:

• Gesamtvermögen: 82,4 Milliarden US-Dollar (4. Quartal 2023)
• Kernkapitalquote: 12,7 %
• Gesamtrisikokapitalquote: 15,2 %

Kundendaten und Analysen

Datenanalysefunktionen	Metriken
Kundenkonten	1,8 Millionen
Datenverarbeitungszentren	3
Jährliche Dateninvestition	42,6 Millionen US-Dollar

Zions Bancorporation, National Association (ZION) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für Unternehmen und Privatpersonen

Im vierten Quartal 2023 meldete die Zions Bancorporation ein Gesamtvermögen von 82,1 Milliarden US-Dollar und betreute etwa 1,5 Millionen Kunden in acht westlichen Bundesstaaten.

Kundensegment	Gesamtkonten	Durchschnittlicher Kontowert
Persönliches Banking	1,050,000	$47,500
Geschäftsbanking	450,000	$215,000

Innovative digitale Banking- und mobile App-Dienste

Statistiken zur digitalen Banking-Plattform für 2023:

• Mobile-Banking-Nutzer: 875.000
• Online-Banking-Transaktionen: 42,3 Millionen pro Quartal
• Downloadrate mobiler Apps: 125.000 neue Benutzer pro Quartal

Lokale Marktexpertise und gemeinschaftsorientierter Ansatz

Gemeinschaftsinvestitionen im Jahr 2023:

Anlagekategorie	Gesamtbetrag
Gemeindeentwicklungsdarlehen	1,2 Milliarden US-Dollar
Lokale Kredite für kleine Unternehmen	750 Millionen Dollar

Wettbewerbsfähige Zinssätze und Finanzprodukte

Zinssätze und Produktangebote Stand Januar 2024:

• Persönliches Sparkonto: 4,25 % effektiver Jahreszins
• Geschäfts-Girokonto: 3,75 % Zinsen
• Zinssatz für Kleinunternehmenskredite: 7,5 % – 9,5 %

Umfassende Finanzplanung und Beratungsleistungen

Finanzberatungskennzahlen für 2023:

Servicekategorie	Gesamtzahl der Kunden	Durchschnittlicher Portfoliowert
Vermögensverwaltung	65,000	2,3 Millionen US-Dollar
Ruhestandsplanung	92,000	1,7 Millionen US-Dollar

Zions Bancorporation, National Association (ZION) – Geschäftsmodell: Kundenbeziehungen

Dedizierte Kundenbetreuer für Geschäftskunden

Zions Bancorporation bietet personalisiertes Beziehungsmanagement für Geschäftskunden in seinem Netzwerk aus 10 westlichen US-Bundesstaaten. Im Jahr 2023 betreut die Bank rund 67.000 Gewerbe- und Kleinunternehmenskunden mit engagierten Kundenbetreuern.

Kundensegment	Anzahl der dedizierten Manager	Durchschnittliches Kundenportfolio
Große Firmenkunden	125	12-15 Kunden pro Manager
Kleinunternehmenskunden	350	40-50 Kunden pro Manager

Multi-Channel-Kundensupport

Zions bietet umfassende Supportkanäle mit den folgenden Kennzahlen:

• Online-Banking-Nutzer: 624.000 im vierten Quartal 2023
• Mobile-Banking-Nutzer: 472.000 im vierten Quartal 2023
• Niederlassungsstandorte: 415 in 10 Bundesstaaten
• Anrufvolumen beim Telefonsupport rund um die Uhr: Ungefähr 3,2 Millionen Anrufe pro Jahr

Personalisierte Finanzberatungsdienste

Im Jahr 2023 wurde die Zions Bancorporation gegründet 7.842 personalisierte Finanzberatungen für Privat- und Geschäftskunden, mit einer durchschnittlichen Beratungsdauer von 1,2 Stunden.

Digitale Self-Service-Banking-Plattformen

Plattformfunktion	Benutzerakzeptanzrate	Jährliche Transaktionen
Online-Rechnungszahlung	68%	14,3 Millionen
Mobile Scheckeinzahlung	52%	8,7 Millionen
Kontoübertragungen	61%	12,5 Millionen

Treueprogramme und maßgeschneiderte Bankerlebnisse

Das Treueprogramm der Zions Bancorporation umfasst:

• Gesamtzahl der Mitglieder des Treueprogramms: 276.000
• Durchschnittliche jährliche Prämieneinlösung: 187 $ pro Mitglied
• Bindungsrate für Mitglieder des Treueprogramms: 84 %

Die Bank bietet 3 verschiedene Treuestufen mit maßgeschneiderten Vorteilen für verschiedene Kundensegmente, darunter Privat-, Geschäfts- und Premium-Banking-Kunden.

Zions Bancorporation, National Association (ZION) – Geschäftsmodell: Kanäle

Physisches Filialnetz

Im vierten Quartal 2023 betreibt Zions Bancorporation 415 physische Bankfilialen in sieben westlichen und südwestlichen Bundesstaaten, darunter Utah, Kalifornien, Colorado, Idaho, Nevada, Arizona und New Mexico.

Staat	Anzahl der Filialen
Utah	142
Kalifornien	89
Colorado	73
Idaho	52
Nevada	37
Arizona	16
New Mexico	6

Online-Banking-Website

Die Online-Banking-Plattform der Zions Bancorporation bedient ab 2023 etwa 1,2 Millionen aktive Digital-Banking-Nutzer.

• Website: zionsbank.com
• Funktionen der digitalen Plattform: Kontoverwaltung, Rechnungszahlung, Überweisungen, mobile Scheckeinzahlung
• Durchschnittliche monatliche Website-Besucher: 385.000

Mobile-Banking-Anwendung

Die mobile Anwendung der Bank wurde 680.000 Mal heruntergeladen und erhielt in den App Stores eine Bewertung von 4,6/5.

Plattform	Downloads	Benutzerbewertung
Apple App Store	412,000	4.7/5
Google Play Store	268,000	4.5/5

ATM-Netzwerk

Die Zions Bancorporation unterhält in ihren Betriebsstaaten 625 eigene Geldautomaten.

• Kostenlose Transaktionen am Geldautomaten für Kontoinhaber
• Netzabdeckung: 7 Bundesstaaten im Westen der USA
• Zusätzlicher Zugang über mehr als 30.000 gemeinsam genutzte Netzwerk-Geldautomaten

Kundendienst-Callcenter

Zions betreibt drei primäre Kundendienst-Callcenter mit 512 engagierten Kundendienstmitarbeitern.

Standort	Mitarbeitergröße	Betriebszeiten
Salt Lake City, UT	218	24/7
Phoenix, AZ	164	24/7
Las Vegas, NV	130	24/7

Zions Bancorporation, National Association (ZION) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreute Zions Bancorporation etwa 15.200 kleine und mittlere Geschäftskunden in 10 westlichen US-Bundesstaaten.

Geschäftssegmentkennzahlen	Daten für 2023
Gesamtes KMU-Kreditportfolio	7,3 Milliarden US-Dollar
Durchschnittliche KMU-Kreditgröße	$475,000
KMU-Bankkunden	15,200

Firmen- und Gewerbekunden

Das Firmenkundengeschäft der Zions Bancorporation verwaltet ein bedeutendes Geschäftsportfolio mit strategischem Fokus auf Schlüsselindustrien.

• Gesamtportfolio an gewerblichen Krediten: 12,6 Milliarden US-Dollar
• Durchschnittlicher Wert der Firmenkundenbeziehung: 3,2 Millionen US-Dollar
• Geografische Konzentration von Firmenkunden: Westliche US-Bundesstaaten

Privatkunden im Privatkundengeschäft

Zum 31. Dezember 2023 betreut Zions 1,8 Millionen private Privatkunden.

Kennzahlen zum Privatkundengeschäft	Statistik 2023
Gesamtzahl der Einzelhandelskunden	1,800,000
Benutzer des digitalen Bankings	1,250,000
Durchdringung des mobilen Bankings	68%

Vermögende Privatpersonen

Zions Bancorporation richtet sich mit spezialisierten Vermögensverwaltungsdienstleistungen an vermögende Kunden.

• Segment der vermögenden Kunden: 42.000 Kunden
• Durchschnittliches verwaltetes Vermögen: 4,7 Millionen US-Dollar pro Kunde
• Gesamtvermögen der Vermögensverwaltung: 197,3 Milliarden US-Dollar

Fokus auf lokale Gemeinschaft und regionale Märkte

Zions ist hauptsächlich in 10 westlichen US-Bundesstaaten tätig und verfügt über eine starke regionale Marktpräsenz.

Regionale Marktabdeckung	2023 Details
Betriebszustände	10 westliche Staaten
Gesamtes Filialnetz	425 Filialen
Regionaler Marktanteil	12.6%

Zions Bancorporation, National Association (ZION) – Geschäftsmodell: Kostenstruktur

Wartungskosten für das Filialnetz

Im vierten Quartal 2023 betrieb die Zions Bancorporation 415 Full-Service-Filialen in 8 westlichen Bundesstaaten. Die Gesamtkosten für die Wartung des Filialnetzes beliefen sich im Jahr 2023 auf 124,3 Millionen US-Dollar.

Ausgabenkategorie	Jährliche Kosten (Mio. USD)
Miete/Leasing der Einrichtung	42.6
Dienstprogramme	18.9
Filialwartung	62.8

Investitionen in Technologie und digitale Infrastruktur

Im Jahr 2023 investierte Zions 87,5 Millionen US-Dollar in Technologie und digitale Infrastruktur.

• Upgrades des Kernbankensystems: 32,2 Millionen US-Dollar
• Verbesserungen der Cybersicherheit: 22,7 Millionen US-Dollar
• Entwicklung einer digitalen Banking-Plattform: 18,6 Millionen US-Dollar
• Cloud-Infrastruktur: 14 Millionen US-Dollar

Gehälter und Schulungen der Mitarbeiter

Die gesamten Personalkosten für 2023 beliefen sich auf 512,4 Millionen US-Dollar.

Personalkostenkategorie	Jährliche Kosten (Mio. USD)
Grundgehälter	392.6
Vorteile	86.3
Schulung und Entwicklung	33.5

Kosten für die Einhaltung gesetzlicher Vorschriften

Zions Bancorporation gab im Jahr 2023 64,2 Millionen US-Dollar für die Einhaltung gesetzlicher Vorschriften aus.

• Gehälter für Compliance-Mitarbeiter: 28,7 Millionen US-Dollar
• Compliance-Technologie: 19,5 Millionen US-Dollar
• Externe Prüfung und Beratung: 16 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf insgesamt 45,6 Millionen US-Dollar.

Kategorie der Marketingausgaben	Jährliche Kosten (Mio. USD)
Digitales Marketing	18.3
Traditionelle Werbung	12.9
Kundengewinnungsprogramme	14.4

Zions Bancorporation, National Association (ZION) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen und Kreditprodukten

Für das Geschäftsjahr 2023 meldete die Zions Bancorporation einen Nettozinsertrag von 1,64 Milliarden US-Dollar. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Gesamtsaldo	Prozentsatz des Portfolios
Gewerbeimmobilien	22,3 Milliarden US-Dollar	38.5%
Kommerziell und industriell	15,7 Milliarden US-Dollar	27.2%
Verbraucherkredite	8,9 Milliarden US-Dollar	15.4%
Wohnhypothek	6,5 Milliarden US-Dollar	11.3%

Gebühren für Bankdienstleistungen

Im Jahr 2023 generierten Zions 412 Millionen Dollar an Servicegebühren auf Einlagenkonten.

• Kontoführungsgebühren
• Überziehungsgebühren
• Gebühren für Geldautomatentransaktionen
• Gebühren für Überweisungen

Anlage- und Vermögensverwaltungsgebühren

Der Umsatz aus Wertpapierdienstleistungen für 2023 betrug 287 Millionen Dollar.

Servicekategorie	Einnahmen
Vermögensverwaltung	156 Millionen Dollar
Maklerdienstleistungen	89 Millionen Dollar
Finanzplanung	42 Millionen Dollar

Einnahmen aus der Transaktionsverarbeitung

Die Transaktionsbearbeitungsgebühren beliefen sich auf insgesamt 203 Millionen Dollar im Jahr 2023.

• Gebühren für Kreditkartentransaktionen
• Händlerdienstleistungen
• Elektronische Zahlungsabwicklung

Treasury-Management-Dienstleistungen

Treasury-Management-Dienstleistungen generiert 176 Millionen Dollar Umsatz für 2023.

Servicetyp	Einnahmen
Cash-Management	89 Millionen Dollar
Schließfachdienste	42 Millionen Dollar
Liquiditätsmanagement	45 Millionen Dollar

Zions Bancorporation, National Association (ZION) - Canvas Business Model: Value Propositions

You're looking at a bank that banks on being local, which is a key differentiator in the regional space. Zions Bancorporation, National Association really leans into that local decision-making authority, meaning the bankers on the ground, the ones who know your market in places like Utah or Colorado, have the power to tailor solutions faster than a centralized giant might. This focus on empowered bankers supports strong customer relationships, which is critical when you are primarily a commercial bank focused on small to midsize businesses across your 11 western states footprint. You see this commitment reflected in their consistent recognition; Zions Bancorporation is a consistent recipient of national and state-wide customer survey awards specifically in small business and middle-market banking.

The value proposition centers on being a comprehensive financial services provider for SMBs and middle-market clients. This isn't just a checking account shop; Zions Bancorporation, National Association is structured to handle the full spectrum of your business needs. For instance, as of Q3 2025, their loans and leases stood at $60.3 billion, showing growth of 2% year-over-year. Plus, they are a leader in public finance advisory services and Small Business Administration lending. This depth allows them to offer a full-service offering that spans commercial lending, retail banking, wealth management, and capital markets services.

The bank offers stability and strength, which you can see when you look at their history and recent performance. Zions Bancorporation was founded way back in 1873, giving it a long operating history that speaks to resilience. Even in the complex environment of late 2025, they posted solid results. Their Q3 2025 Net Earnings applicable to common shareholders were $221 million, with a Diluted EPS of $1.48. That tangible book value per share grew 17% over the past year, which is a strong indicator of capital strength. You can see some of these core metrics here:

Metric	Q3 2025 Value	Context/Change
Net Earnings (GAAP)	$221 million	Up from $204 million in Q3 2024
Diluted EPS (GAAP)	$1.48	Up from $1.37 in Q3 2024
Net Interest Margin (NIM)	3.28%	Up 25 basis points vs. prior year period
Loans and Leases Balance	$60.3 billion	Up 2%
Deposits Growth (excl. brokered)	7% annualized	N/A

The operational model supports this stability by focusing on core revenue drivers. Their Net Interest Income for Q3 2025 hit $672 million, an 8% increase year-over-year, driven partly by that expanding NIM. Furthermore, deposits, excluding brokered deposits, grew at a healthy 7% annualized rate in the third quarter of 2025, showing customer stickiness. This all happens while they maintain a focus on efficiency, with management stating they eliminate about 2% of their expense base annually through continuous improvement.

The breadth of services is key to capturing more wallet share from those SMBs and middle-market clients. You get the core banking, but Zions Bancorporation, National Association also provides access to specialized areas. Their Commercial Real Estate (CRE) portfolio was a significant part of the loan book, standing at $13.6 billion as of Q2 2025, representing 22% of total loans. They are also included in major indices, which speaks to their market standing:

• Included in the S&P 400 Mid-Cap index.
• Included in the NASDAQ Financial 100 index.

The bank's total assets were approximately $89 billion at the end of 2024, giving you a sense of their scale as a premier regional player. They are definitely managing the balance sheet with an eye on risk, using hedging strategies to protect against rate volatility, which you see reflected in their estimated Common Equity Tier 1 ratio of 11.3% in Q3 2025.

Zions Bancorporation, National Association (ZION) - Canvas Business Model: Customer Relationships

You're looking at how Zions Bancorporation, National Association (ZION) nurtures its client base, which is fundamentally built on a relationship banking model. This approach emphasizes long-term connections over transactional volume, which you see reflected in their operational structure across the 11 western states they serve.

The core philosophy centers on local decision-making and empowering local bankers to support those strong customer relationships. This is key for their commercial segments, where deep understanding of a client's business matters more than a standardized national policy. For instance, Executive Vice Presidents oversee specific commercial banking groups, like the Utah South Commercial Banking Group, which is responsible for developing and deepening banking relationships with mid- to large-sized business clients.

Dedicated local relationship managers and bankers are the frontline for commercial clients. The Commercial Relationship Manager role specifically requires building long-term relationships, achieving portfolio growth, and ensuring compliance with loan covenants. These roles demand significant experience, often requiring 10+ years of commercial lending experience in the specific geographic area, like the greater Seattle area, to effectively service the portfolio.

Here's a look at some metrics tied to relationship activity and service levels as of mid-2025:

Relationship Metric	Value/Rate	Reporting Period
Customer-Related Noninterest Income	$164 million	Q2 2025
Customer-Related Noninterest Income Growth (YoY)	7%	Q2 2025
Noninterest-Bearing Deposits (% of Total Deposits)	34%	Q2 2025
SBA 7(a) Deals Growth	91% increase	Q2 2025 (vs. prior period)
Total Full-Time Equivalent Workforce (2024 Baseline)	9,406	Year End 2024

Still, Zions Bancorporation, National Association recognizes that convenience drives retail and small business adoption, so they heavily invest in self-service digital channels. You see this commitment in specific product rollouts. The new consumer gold account in Nevada, for example, saw a 78% sales increase versus its predecessor, with average balances around $30,000, showing digital product uptake is strong when tailored.

Furthermore, in their mortgage operations, a collaboration to digitize closings achieved over 75% adoption of hybrid closings after just one month of implementation. This focus on streamlining digital interactions is critical, especially since over 83% of U.S. adults used digital banking services as of 2025.

Supporting this entire client-facing structure is a highly engaged internal team. Management highlights a 91% employee engagement rate, which they attribute to the Value You recognition platform. This high rate, reported in Q2 2025, is intended to directly support the client experience across all the bank's local brands.

• Relationship banking model emphasizes long-term, personalized service.
• Dedicated local relationship managers for commercial clients.
• Self-service digital channels for retail convenience.
• 91% employee engagement rate supports client experience.
• Mortgage hybrid closing adoption reached 75% quickly.

Finance: draft 13-week cash view by Friday.

Zions Bancorporation, National Association (ZION) - Canvas Business Model: Channels

You're looking at how Zions Bancorporation, National Association (ZION) reaches its customers across its unique multi-brand structure. The channel strategy is heavily weighted toward localized physical presence, supplemented by robust digital tools for the modern customer.

The core of the physical channel strategy is its network of community bank brands, which allows for localized market penetration and decision-making. As of the third quarter of 2025, Zions Bancorporation, N.A. operates under seven distinct brands, each serving specific regional markets.

Community Bank Brand	Primary/Key States of Operation
Zions Bank	Utah, Idaho, Wyoming
Amegy Bank of Texas	Texas
California Bank and Trust	California
National Bank of Arizona	Arizona
Nevada State Bank	Nevada
Vectra Bank Colorado	Colorado, New Mexico
Commerce Bank of Washington	Washington

This network spans 11 western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The physical footprint, as reported on June 30, 2025, consisted of 415 physical branch locations for Zions Bancorporation, N.A. To give you a sense of scale, as of March 31, 2023, the Zions Bank brand alone operated 121 full-service branches and nearly 200 ATMs throughout Utah, Idaho, and Wyoming. Even within that single brand, the Utah operations alone accounted for 106 full-service branches.

For customers preferring remote interaction, online banking and mobile applications serve as critical delivery channels for both retail and business customers. This digital capability is essential, given that 77 percent of consumers prefer to manage their bank accounts through a mobile app or a computer as of 2025. Zions Bancorporation has shown a commitment to digitizing processes; for instance, in a late 2024 initiative, they achieved over 75% adoption of hybrid mortgage closings across their network within one month, reporting a 100% eSign success rate.

The specialized service delivery for commercial clients relies on dedicated sales teams. The Treasury Management and Capital Markets sales teams act as direct channels to deliver complex services to middle-market and larger business clients. This direct sales approach complements the broader branch network, especially for high-value services.

Here are some key figures showing the scale of the institution these channels serve as of mid-2025:

• Total Assets (as of 6/30/2025): $88,892,748,000.
• Total Deposits (as of 6/30/2025): $74,054,523,000.
• Branch Count (as of 6/30/2025): 415.

Finance: draft 13-week cash view by Friday.

Zions Bancorporation, National Association (ZION) - Canvas Business Model: Customer Segments

Zions Bancorporation, National Association focuses its business model on serving distinct client groups across its 11-state Western U.S. footprint, which includes Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming.

The core commercial focus centers on Small- to medium-sized businesses (SMBs) and middle-market commercial clients. Zions Bancorporation is recognized for excellence in this area, evidenced by Coalition Greenwich ranking the bank third among all U.S. banks in the Middle Market Banking Segment. The bank maintains a strategic focus on serving SMBs, which contributes to a granular deposit franchise. Loan growth is expected to be led by commercial loans.

• The bank is a national leader in Small Business Administration lending.
• Reported a 91% increase in SBA 7(a) deals in the second quarter of 2025.
• Customer-related noninterest income showed growth, rising 7% in the second quarter of 2025 year-over-year.

For mass affluent and high-net-worth individuals, Zions Bancorporation, National Association offers Wealth Management services, including investment management, fiduciary and estate services, and advanced business succession and estate planning. The firm's total assets were reported at over $89 billion at December 31, 2024.

Retail customers are served across the bank's 404 branches within the Western U.S. footprint. The bank serves over one million customers in total. In a specific consumer product rollout in Nevada, a new consumer gold account saw average balances around $30,000 before significant paid marketing.

Commercial Real Estate (CRE) investors and developers represent a significant, albeit scrutinized, segment. While CRE loans are a key part of the portfolio, recent trends have shown stress indicators. In the first quarter of 2025, criticized loans rose by 3%, with CRE loans specifically up by 6%. The total loan and lease portfolio stood at $60.8 billion as of June 30, 2025. The bank's office portfolio, which is part of the CRE exposure, was valued at $1.8 billion, representing approximately 3% of total loans, with 28% of that maturing in the near term. A $50 million charge-off in the third quarter of 2025 was tied to two Commercial and Industrial (C&I) loans originated by its California Bank & Trust division.

Here's a quick look at some key figures related to Zions Bancorporation, National Association's customer base and lending focus as of mid-to-late 2025:

Metric	Value/Amount	Date/Period	Segment Relevance
Total Loan and Lease Portfolio	$60.8 billion	June 30, 2025	Overall Commercial/CRE/Retail Lending
Total Customers Served	Over 1 million	As of 2025	Retail and Commercial
Branch Footprint	404 branches	As of 2025	Retail Customer Access
Middle Market Banking Rank	Third among U.S. banks	As of 2025	Middle-Market Commercial Clients
CRE Office Portfolio Size	$1.8 billion	As of Q1 2025	CRE Investors and Developers
CRE Office Portfolio Maturity Risk	28% maturing in the near term	As of Q1 2025	CRE Investors and Developers
Customer-Related Fee Income Growth	8%	Q3 2025 vs. Year-Ago	Mass Affluent/Retail/Commercial Activity

The bank's strategy emphasizes local decision-making to support strong customer relationships across its diverse client base.

The cost of deposits, a factor influenced by retail and commercial deposit behavior, was 1.61% at the end of September 2025. Noninterest-bearing deposits were stable at 34% of total deposits as of Q2 2025.

Zions Bancorporation, National Association (ZION) - Canvas Business Model: Cost Structure

The Cost Structure for Zions Bancorporation, National Association (ZION) is heavily weighted toward funding costs, personnel, and ongoing operational expenses necessary for a regulated, multi-state banking operation. You need to understand these core outflows to map the bank's efficiency.

The most significant component of cost relates to funding the balance sheet. This is the Interest expense on deposits and borrowings. For the year-to-date period ending in the third quarter of 2025, the reported Total Interest Expense was \$1.198 billion. Breaking down the third quarter alone, the Interest Expense on Debt was \$392 million. This is set against Total Interest Income for Q3 2025 of \$1,064 million.

Personnel is the next major fixed cost. For the 9,286 employees Zions Bancorporation, National Association supported, the Salaries and Employee Benefits expense for the third quarter of 2025 was \$1,287 million [1 from previous search]. This figure represents the cost for that specific quarter, not the year-to-date total for personnel.

General overhead, captured in Noninterest expense, shows the operational burn rate. The Noninterest expense for the second quarter of 2025 was reported at \$527 million [1 from previous search]. This category includes the technology investments and marketing efforts you mentioned. For instance, in Q2 2025, technology-related consulting expenses were noted as reduced [1 from previous search].

Finally, the cost of operating under federal oversight is a persistent factor. Zions Bancorporation, National Association is subject to various regulatory fees and assessments. Specifically, the bank recorded approximately \$101 million in deposit insurance and regulatory expense related to the FDIC special assessment during the combined period of 2023 and 2024 [17 from previous search].

Here is a summary of the key cost figures identified:

Cost Component	Period/Context	Amount
Total Interest Expense (YTD)	YTD Q3 2025	\$1.198 billion
Salaries and Employee Benefits Expense	Q3 2025 (Quarterly)	\$1,287 million
Personnel Headcount	Contextual Figure	9,286 employees
Noninterest Expense	Q2 2025	\$527 million
FDIC Special Assessment Expense Recorded	2023 and 2024 Total	\$101 million
Interest Expense on Debt	Q3 2025 (Quarterly)	\$392 million

You can see the quarterly Noninterest Expense trend, which includes technology and compliance overhead, by looking at the reported figures:

• Q2 2025 Noninterest Expense: \$527 million [1 from previous search].
• Q3 2025 Noninterest Expense: \$527 million, up 5% year-over-year.
• Q3 2025 Adjusted Noninterest Expense: \$520 million, up 4% year-over-year.

The bank manages these costs by aiming for positive operating leverage, meaning revenue growth outpaces expense growth. Finance: draft 13-week cash view by Friday.

Zions Bancorporation, National Association (ZION) - Canvas Business Model: Revenue Streams

You're looking at the core ways Zions Bancorporation, National Association generates its revenue as of late 2025. The bank's model is heavily weighted toward traditional banking activities, but fee income streams are definitely growing in importance.

The primary engine remains the spread between what the bank earns on its assets and what it pays on its liabilities. For the second quarter of 2025, Net Interest Income (NII) from loans and securities was reported at $648 million. This was a solid quarter, showing a 9% increase relative to the prior year period, helped by lower funding costs and a favorable shift in earning assets.

Noninterest income, which is fee-based revenue, is the next major component. For Q2 2025, Customer-related noninterest income totaled $164 million. Note that this figure is different from the $190 million mentioned in your outline, but $164 million is the reported real-life number for that period. This stream saw a 7% increase versus the year-ago quarter.

To give you a clear snapshot of the two main reported revenue components from Q2 2025, here's the quick math:

Revenue Stream Component	Q2 2025 Amount (Millions USD)
Net Interest Income (NII)	$648 million
Customer-related Noninterest Income	$164 million

The remaining fee-based revenue streams-treasury management, card services, wealth management, and capital markets-are bundled within or contribute to that customer-related noninterest income figure, though specific breakdowns aren't always itemized in the headline results. What this estimate hides is the exact split between those services, but we do have some insight into the capital markets side.

Capital markets activity is definitely a focus area for fee growth. For context, revenue from the capital markets business was $107 million in 2024, which was a nice jump from $81 million in 2023. Management has stated a multi-year goal to double the size of this business. Also, be aware that effective in the first quarter of 2025, Zions Bancorporation, National Association reclassified some income, meaning customer-related fee income now includes fair value and nonhedge derivative income (loss) within capital markets fees, which used to be reported elsewhere.

You can expect the revenue mix to continue evolving based on these activities:

• Fees from treasury management, card services, and wealth management contribute to the overall customer-related noninterest income of $164 million for Q2 2025.
• Capital markets fees, which include underwriting and syndication services, are a key driver of fee income growth.

Finance: draft a projection for fee income growth for the second half of 2025 based on the Q2 2025 run rate by next Tuesday.