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Zions Bancorporation (ZION) investor relations material
Zions Bancorporation The BancAnalysts Association of Boston Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.The BancAnalysts Association of Boston Conference summary6 Nov, 2025
Business strategy and market focus
Maintains a strong focus on small and middle market business lending, leveraging long-term relationships and technology to differentiate in the SBA and C&I segments.
Recent growth has been led by Texas, California, Utah, Idaho, and Wyoming affiliates, with optimism for continued C&I loan growth.
Loan growth has averaged over 3% year-over-year, with stable deposit growth and a constructive outlook for 2025 and beyond.
New feature-rich demand deposit products have been rolled out, starting in Nevada and expanding to other affiliates, aiming to boost non-interest bearing deposits.
A small business product bundle and enhanced marketing efforts are planned for 2026 to further drive core deposit growth.
Financial performance and outlook
Targets a mid-threes net interest margin (NIM), supported by managed deposit costs, asset remixing, and loan growth, though the current yield curve may delay reaching this goal.
NIM has expanded for seven consecutive quarters, aided by a shift from securities to higher-yielding loans and a focus on C&I lending.
Headwinds from terminated hedges are expected to diminish by 2027, with only a minor impact remaining.
Expense growth is being aligned with revenue growth, particularly through investments in marketing and product development.
Capital, competition, and M&A
CET1 and TCE ratios, including AOCI, are closely monitored, with expectations to reach peer levels within 12 months.
Capital policy is driven by stress testing and environmental caution, aiming to avoid being an outlier in downturns.
Competition is strong across all markets, especially in Texas and other high-growth areas, with a focus on rational competition and client service.
M&A strategy favors tuck-in deals within the Western footprint, strong deposit franchises, and management teams, with no interest in large-scale mergers or sprawl.
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Next Zions Bancorporation earnings date
Q4 202520 Jan, 2026
Next Zions Bancorporation earnings date
Q4 202520 Jan, 2026
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Frequently asked questions
Regional Southwestern Bank
Zions Bancorporation, headquartered in Salt Lake City, Utah, is a financial services company that provides a wide range of banking and related services. The company operates through a network of local banks and business lines and its services encompass commercial and retail banking, mortgage lending, and wealth management, catering to a diverse clientele that includes individuals, small and mid-sized businesses, and corporations. It is headquartered in Salt Lake City, Utah, and its shares are listed on the Nasdaq.
The Connection to the Church of LDS
The company’s history is closely intertwined with the development of the Church of Jesus Christ of Latter-day Saints (LDS Church) and the broader history of the state of Utah. Its original entity, Zions Savings Bank and Trust Company, was founded by Brigham Young, the second president of the LDS Church, in 1873: The bank was integral to the economic development of Utah and the surrounding region, offering financial services essential to a growing population. The church divested its interest in 1960, and today the bank operates as a secular and separate entity.
A Regional Focus
Zions has a strong regional focus in the Western United States. The company knows the area incredibly well and has tailored its services to ensure a good fit with local economies, cultures, and business environments. This regional specialization allows Zions to offer personalized banking and financial solutions to its customers, ranging from individual account holders to businesses of various sizes. This regional focus is similar to what can be seen with other banks such as Comerica, Fifth Third Bancorp, M&T Bank, and several others.
The Services on Offer
The company offers a wide array of banking and financial services. These services include personal banking solutions such as checking and savings accounts, credit and debit cards, and personal loans. For businesses, Zions offers commercial lending, treasury management, and international banking services, supporting businesses in their growth and global trade endeavors. Additionally, Zions provides wealth management and investment services, as well as mortgages and lending.
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