Zions Bancorporation is a regional bank headquartered in Salt Lake City that serves small- and medium-sized businesses, commercial real estate borrowers, retail customers, and affluent individuals across 11 Western states through seven locally branded affiliate banks. The bank offers a comprehensive suite of services including commercial and small-business lending, capital markets and investment banking, commercial real estate financing, retail banking with mortgages and consumer deposits, and wealth management services through both branch networks and digital channels. Zions generates revenue through lending, deposit spreads, investment banking and capital markets activities, merchant processing fees, and wealth management services, competing on relationship depth, local market knowledge, service quality, and broad product offerings.