---
title: "Zions Bancorporation N.A. SWIFT/BIC code ZFNBUS55XXX · United States | Elucidate"
description: "SWIFT/BIC code ZFNBUS55XXX for Zions Bancorporation N.A., United States. 4 branch BICs, LEI 8WH0EE09O9V05QJZ3V89, addresses and Swift connectivity."
url: https://elucidate.co/directory/zions-bancorporation-n-a-zfnbus55
---
1. [Directory](https://elucidate.co/directory)
2. [United States](https://elucidate.co/directory/country/us)
3. Zions Bancorporation N.A.
United States · Financial institution
# Zions Bancorporation N.A.
Legal name in the LEI record Zions Bancorporation, N.A.
Zions Bancorporation, N.A. is a national bank headquartered in Salt Lake City, Utah. It is chartered and primarily supervised by the Office of the Comptroller of the Currency (OCC) and has no parent company. Its common shares are listed on Nasdaq. It operates seven locally branded divisions, including Zions Bank, California Bank & Trust and Amegy Bank, in 11 western states. In September 2018 the holding company merged into its bank subsidiary, ZB, N.A., which then took the current name.
BIC **ZFNBUS55XXX** LEI **[8WH0EE09O9V05QJZ3V89](https://search.gleif.org/#/record/8WH0EE09O9V05QJZ3V89)** Licence no. **Not on a tracked register** Connected to Swift [**4** branch codes](https://elucidate.co/directory/zions-bancorporation-n-a-zfnbus55#branches) [Claim this profile](https://elucidate.co/directory/zions-bancorporation-n-a-zfnbus55#claim)
## Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
## Swift network
Swift’s ISO 9362 BIC directory
- **BIC:** ZFNBUS55XXX head office
- **Connection to Swift:** Connected to Swift
- **Swift GPI:** Not on the member list
- **Payment schemes and systems:** No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- **Branch codes:** [4 branch codes](https://elucidate.co/directory/zions-bancorporation-n-a-zfnbus55#branches)
- **BIC first registered:** 1989-03-06
- **Last updated:** 2026-01-31
## Overview
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/zions-bancorporation-n-a-zfnbus55#overview-sources)
Total assets
USD 89bn
Group · 30 Jun 2026 · [interim report ↗](https://www.sec.gov/Archives/edgar/data/109380/000010938026000103/exh991earningsrelease20260.htm)
Employees
9,039
FTE · Group · 30 Jun 2026 · [interim report ↗](https://www.sec.gov/Archives/edgar/data/109380/000010938026000103/exh991earningsrelease20260.htm)
Ownership
Publicly listed
Ticker ZION
Institution type
Commercial bank
Trades as Zions Bancorporation
- **Standing:** The former holding company Zions Bancorporation merged into its bank subsidiary ZB, National Association. The bank took the name Zions Bancorporation, National Association in September 2018.
- **Ownership:** The bank has no parent company and its common shares are listed on Nasdaq. Vanguard Portfolio Management reported a 7.4% holding as of 31 March 2026.
- **Major shareholder:** Vanguard Portfolio Management LLC (and certain affiliates) 7.4% · 31 Mar 2026
- **Stock listing:** Nasdaq Global Select Market ZION
- **Head office:** One South Main Street, 84133-1109 Salt Lake City, United States
- **Former name:** ZB, National Association
### Business lines
- Corporate banking
- SME banking
- Retail banking
- Mortgage lending
- Transaction banking & payments
- Private banking & wealth
- Markets & trading
- Trade finance
- Correspondent banking
- Cards
- Other
The bank focuses on small-business, middle-market and commercial real estate lending in the western United States. It also offers retail banking, wealth management, public finance advisory, foreign exchange and capital markets services.
### Online
- **Websites & references:** [zionsbancorporation.com ↗](https://www.zionsbancorporation.com/) [zionsbank.com ↗](https://www.zionsbank.com/) Zions Bank division customer site (Utah, Idaho, Wyoming); could not be loaded in this session [calbanktrust.com ↗](http://www.calbanktrust.com/) California Bank & Trust division site [amegybank.com ↗](http://www.amegybank.com/) Amegy Bank division site (Texas) [nbarizona.com ↗](http://www.nbarizona.com/) National Bank of Arizona division site [nsbank.com ↗](http://www.nsbank.com/) Nevada State Bank division site [vectrabank.com ↗](http://www.vectrabank.com/) Vectra Bank Colorado division site [tcbwa.com ↗](http://www.tcbwa.com/) The Commerce Bank of Washington / TCB Northwest division site [Wikipedia ↗](https://en.wikipedia.org/wiki/Zions_Bancorporation)
- **Official social accounts:** None found
Sources · 15 pages consulted
1. [sec.gov/Archives/edgar/data/109380/000010938026000103/exh991earningsrelease20260.htm](https://www.sec.gov/Archives/edgar/data/109380/000010938026000103/exh991earningsrelease20260.htm)
2. [zionsbancorporation.com/](https://www.zionsbancorporation.com/)
3. [zionsbancorporation.com/news-events/press-releases/news-details/2026/Leadership-Changes-Announced-at-Zions-Bancor](https://zionsbancorporation.com/news-events/press-releases/news-details/2026/Leadership-Changes-Announced-at-Zions-Bancorporations-Technology-and-Operations/default.aspx)
4. [zionsbancorporation.com/news-events/press-releases/news-details/2025/ZIONS-BANCORPORATION-TO-PRESENT-AT-THE-BANCA](https://zionsbancorporation.com/news-events/press-releases/news-details/2025/ZIONS-BANCORPORATION-TO-PRESENT-AT-THE-BANCANALYSTS-ASSOCIATION-OF-BOSTON-CONFERENCE/default.aspx)
5. [zionsbancorporation.com/about-us/leadership/default.aspx](https://zionsbancorporation.com/about-us/leadership/default.aspx)
6. [fdic.gov/resolutions/zions-2025-resolution-plan-public-section.pdf](https://www.fdic.gov/resolutions/zions-2025-resolution-plan-public-section.pdf)
7. [s203.q4cdn.com/215756951/files/doc\_events/2026/May/01/Zions-2026-Proxy-Statement.pdf](https://s203.q4cdn.com/215756951/files/doc_events/2026/May/01/Zions-2026-Proxy-Statement.pdf)
8. [prnewswire.com/news-releases/leadership-changes-announced-at-zions-bank-zions-bancorporation-302070216.h](https://www.prnewswire.com/news-releases/leadership-changes-announced-at-zions-bank-zions-bancorporation-302070216.html)
9. [prnewswire.com/news-releases/zions-bancorporation-national-association-reports-second-quarter-financial-](https://www.prnewswire.com/news-releases/zions-bancorporation-national-association-reports-second-quarter-financial-results-302829788.html)
10. [stocktitan.net/sec-filings/ZION/schedule-13g-zions-bancorporation-national-association-ut-passive-inv-78](https://www.stocktitan.net/sec-filings/ZION/schedule-13g-zions-bancorporation-national-association-ut-passive-inv-782a9e633511.html)
11. [zionsbank.com/business/specialty-banking/international-banking/foreign-exchange-services/](https://www.zionsbank.com/business/specialty-banking/international-banking/foreign-exchange-services/)
12. [zionsbank.com/business/specialty-banking/correspondent-banking/](https://www.zionsbank.com/business/specialty-banking/correspondent-banking/)
13. [cnbc.com/2025/10/18/the-alleged-sweeping-betrayal-of-trust-that-rocked-zions-bank-and-spooked-wall](https://www.cnbc.com/2025/10/18/the-alleged-sweeping-betrayal-of-trust-that-rocked-zions-bank-and-spooked-wall-street.html)
14. [en.wikipedia.org/wiki/Zions\_Bancorporation](https://en.wikipedia.org/wiki/Zions_Bancorporation)
15. [finance.yahoo.com/quote/ZION/](https://finance.yahoo.com/quote/ZION/)
## Leadership
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/zions-bancorporation-n-a-zfnbus55#overview-sources)
- **Chair & chief executive:** Harris H. Simmons Chairman and Chief Executive Officer Confirmed 20 Jul 2026 · [sec.gov ↗](https://www.sec.gov/Archives/edgar/data/109380/000010938026000103/exh991earningsrelease20260.htm)
- **Chief financial officer:** R. Ryan Richards Executive Vice President and Chief Financial Officer Confirmed 23 Oct 2025 · [zionsbancorporation.com ↗](https://zionsbancorporation.com/news-events/press-releases/news-details/2025/ZIONS-BANCORPORATION-TO-PRESENT-AT-THE-BANCANALYSTS-ASSOCIATION-OF-BOSTON-CONFERENCE/default.aspx)
- **Executive:** Scott J. McLean President and Chief Operating Officer Confirmed 3 Mar 2026 · [zionsbancorporation.com ↗](https://zionsbancorporation.com/news-events/press-releases/news-details/2026/Leadership-Changes-Announced-at-Zions-Bancorporations-Technology-and-Operations/default.aspx)
## Supervisors & regulators
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/zions-bancorporation-n-a-zfnbus55#overview-sources)
- **United States:** Office of the Comptroller of the Currency Prudential supervisor AML supervisor Conduct
- **United States:** Federal Deposit Insurance Corporation Resolution
- **United States:** Consumer Financial Protection Bureau Conduct
- **United States:** Board of Governors of the Federal Reserve System Central bank
## Recent events 1 enforcement or investigation item
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/zions-bancorporation-n-a-zfnbus55#overview-sources)
1. Aug 2026
Merger / acquisition
The bank completed its acquisition of a Fannie Mae and Freddie Mac multifamily lending business line from Basis Investment Group.
[stocktitan.net ↗](https://www.stocktitan.net/sec-filings/ZION/form-3-zions-bancorporation-national-association-ut-initial-statement-e5ac3f3737dd.html)
2. Mar 2026
Leadership
Chief Technology and Operations Officer Jennifer Smith left the bank. Margaret Mayer and Ken Collins took over joint leadership of technology and operations.
[zionsbancorporation.com ↗](https://zionsbancorporation.com/news-events/press-releases/news-details/2026/Leadership-Changes-Announced-at-Zions-Bancorporations-Technology-and-Operations/default.aspx)
3. Dec 2025
Leadership
Paul Burdiss retired as chief executive of the Zions Bank division on 31 December 2025. Nathan Callister was named as his successor.
[simplywall.st ↗](https://simplywall.st/stocks/us/banks/nasdaq-zion.p/zions-bancorporation-national-association/management)
4. Oct 2025
Incident
The bank took a USD 60 million provision and a USD 50 million charge-off on two California Bank & Trust loans. It cited apparent borrower misrepresentations.
[cnbc.com ↗](https://www.cnbc.com/2025/10/18/the-alleged-sweeping-betrayal-of-trust-that-rocked-zions-bank-and-spooked-wall-street.html)
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
## Identifiers
Head-office record
- **BIC:** ZFNBUS55XXX
- **How the BIC breaks down:** 1. ZFNB Bank 2. US Country · United States 3. 55 Location 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** 8WH0EE09O9V05QJZ3V89
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/8WH0EE09O9V05QJZ3V89)
- **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
## Profile
- **Type:** Financial institution
- **Regulation:** Not on a tracked register
- **Register licences:** None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- **Country · region:** United States · North America
- **Trading venues (MIC):** No MIC registered under this LEI list of 2026-09-17
- **OFAC sanctions:** No listing cites this BIC
- **EU sanctions:** No listing matched this BIC or its LEI
- **Country sanctions:** No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
## Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
## Addresses
- **Registered address:** ONE SOUTH MAIN STREET, SUITE 200 SALT LAKE CITY 84133 UNITED STATES OF AMERICA
- **Operational address:** 1 SOUTH MAIN STREET SALT LAKE CITY,UT SALT LAKE CITY,UT 84133 UNITED STATES OF AMERICA
## ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- **Identified by:** BIC, with its LEI
- **Roles in CBPR+:** Any agent, including the instructing and instructed agents
### CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
```xml
ZFNBUS55XXX
8WH0EE09O9V05QJZ3V89
```
### Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
```xml
ZFNBUS55XXX
8WH0EE09O9V05QJZ3V89
ZIONS BANCORPORATION N.A.
SALT LAKE CITY
US
ONE SOUTH MAIN STREET, SUITE 200 SALT LAKE CITY 84133
```
The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
## Network
### Branch network
All 4 branch BICs connect to the head office. No city, function or registration year splits them into groups.
### Branch codes
| BIC | Branch | City | Address | LEI | Updated |
| --- | --- | --- | --- | --- | --- |
| [ZFNBUS55HOU](https://elucidate.co/directory/zions-bancorporation-n-a-zfnbus55-hou) | AMEGY DIVISION | Houston | 1717 WEST LOOP SOUTH FLOOR 22 HOUSTON,TX HOUSTON,TX 77027 UNITED STATES OF AMERICA | — | 2026-01-31 |
| [ZFNBUS55LAX](https://elucidate.co/directory/zions-bancorporation-n-a-zfnbus55-lax) | CBT DIVISION | Los Angeles | SUITE 5700 FLOOR 707 WILSHIRE BLVD LOS ANGELES,CA LOS ANGELES,CA 90017 UNITED STATES OF AMERICA | — | 2026-01-31 |
| [ZFNBUS55SEA](https://elucidate.co/directory/zions-bancorporation-n-a-zfnbus55-sea) | WASHINGTON DIVISION | Seattle | 601 UNION STREET SEATTLE,WA SEATTLE,WA 98101 UNITED STATES OF AMERICA | — | 2026-01-31 |
| [ZFNBUS55SLC](https://elucidate.co/directory/zions-bancorporation-n-a-zfnbus55-slc) | ZIONS DIVISION | Salt Lake City | 1 SOUTH MAIN ST. FLOOR 4TH SALT LAKE CITY,UT SALT LAKE CITY,UT 84133 UNITED STATES OF AMERICA | — | 2026-01-31 |
[See every BIC in United States →](https://elucidate.co/directory/country/us#bics)
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[See every BIC in United States →](https://elucidate.co/directory/country/us#bics)
Claim this profile
## Work at Zions Bancorporation N.A.?
Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.
1. 01 **Submit** Tell us who you are, using your work email.
2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days.
3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time.
Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
[Read the methodology →](https://elucidate.co/directory/methodology)
Credits for this page
- **Overview, leadership, regulators and events**—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
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Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.