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Zions Bancorporation (ZION) investor relations material
Zions Bancorporation Goldman Sachs U.S. Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Goldman Sachs U.S. Financial Services Conference summary9 Dec, 2025
Macroeconomic environment and outlook
Business sentiment remains positive despite macro uncertainties like tariffs and government shutdowns.
Borrowing appetite and economic activity are improving, with optimism for the coming year.
Both small and large businesses show steady, upbeat outlooks across geographies.
Loan growth and portfolio strategy
Loan growth is expected to be moderately higher than previously anticipated, especially in commercial lending.
Record SBA 7(a) loan activity and increased demand from both small businesses and middle-market clients.
Commercial real estate exposure is being managed for slower growth, focusing on credit quality and measured expansion.
Private credit is seen as a neutral factor, providing exit opportunities rather than impacting growth.
Revenue, margin, and deposit trends
Net interest margin has expanded for seven consecutive quarters, driven by deposit base normalization and asset remixing.
Demand deposit base has stabilized, contributing to franchise strength and supporting future growth.
Efforts are underway to bring larger client balances back on balance sheet, aiming to lower overall funding costs.
Focus remains on building a granular deposit franchise from small businesses and mass affluent consumers.
Detail small business loan growth strategy
Impact of CRE growth strategy on portfolio quality
Future investment areas and expected returns
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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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