Zions Bancorporation, National Association, a financial institution founded in Salt Lake City, Utah, in 1873, delivers a comprehensive suite of banking and related services. Its operations primarily span across eleven western U.S. states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company's diverse offerings cater to various clients, including corporate entities, small and medium-sized businesses (SMBs) through its commercial banking arm, and the real estate sector with commercial property financing. It also provides municipal and public finance solutions, retail banking services (including residential mortgage lending), trust administration, wealth management, and specialized private client banking. Additionally, Zions Bancorporation engages in capital markets activities. The institution, which rebranded from ZB, National Association in September 2018, managed an extensive network of 422 branches as of December 31, 2020, with 273 being company-owned and 149 operating under lease agreements.