Zions Bank, A Division of
Part of $90 billion Zions Bancorporation operating across 11 western states. National leader in SBA lending and public finance advisory. Offers traditional banking, commercial loans, trust services, foreign banking, electronic banking, and wealth management services.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (132 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Zions Bank, A Division of ranks #13 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Zions Bank, A Division of’s 7(a) acquisition lending falls in the $0-$500K range: 65 loans, 49.2% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 65 | 49.2% | |
| $500K-$1M | 36 | 27.3% | |
| $1M-$2M | 18 | 13.6% | |
| $2M-$3M | 6 | 4.5% | |
| $3M-$4M | 3 | 2.3% | |
| $4M-$5M | 4 | 3.0% |
Industries with highest loan volume
Landscaping Services
4
loans
$1.6M
avg. amount
Fitness and Recreational Sports Centers
4
loans
$729K
avg. amount
Plumbing, Heating, and Air-Conditioning Contractors
4
loans
$639K
avg. amount
Couriers and Express Delivery Services
3
loans
$1.1M
avg. amount
Full-Service Restaurants
3
loans
$278K
avg. amount
Snack and Nonalcoholic Beverage Bars
3
loans
$1.0M
avg. amount
Clothing and Clothing Accessories Retailers
3
loans
$601K
avg. amount
All Other Professional, Scientific, and Technical Services
3
loans
$594K
avg. amount
Nursing Care Facilities (Skilled Nursing Facilities)
3
loans
$1.2M
avg. amount
General Automotive Repair
3
loans
$675K
avg. amount
10-Year
2.1%
Percentile Ranking
89th
89th percentile
Zions Bank, A Division of’s median variable rate is + 1.00%, against a market median of Prime + 1.88%, 88 below market.
It priced below the market median in every one of the last 8 quarters. 18 of the 132 loans in its trailing three-year book carried a fixed rate; the rest were variable.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 1.69% |
| $500K-$1M | Prime + 0.52% |
| $1M-$2M | Prime + 1.00% |
| $2M-$3M | Prime + 1.06% |
| $3M-$4M | Prime + 0.25% |
| $4M-$5M | Prime + 0.00% |
over at time of loan origination
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q2 '23 | Prime + 1.38% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 4 |
| Q2 '24 | Prime + 0.30% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 4 |
| Q4 '24 | Prime + 0.00% | Prime + 2.25% | Prime + 1.50% – Prime + 2.75% | 3 |
| Q2 '25 | Prime + 0.23% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 6 |
| Q3 '25 | Prime + 0.35% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 6 |
| Q4 '25 | Prime + 0.35% | Prime + 2.25% | Prime + 1.67% – Prime + 2.75% | 3 |
| Q1 '26 | Prime + 0.00% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 4 |
| Q2 '26 | Prime + 0.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 3 |
Zions Bank, A Division of has originated 7(a) acquisition loans in 11 states, most actively in Utah (30), California (22) and Arizona (19). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Utah | 30 | 22.7% |
| California | 22 | 16.7% |
| Arizona | 19 | 14.4% |
| Texas | 18 | 13.6% |
| Colorado | 16 | 12.1% |
| Idaho | 14 | 10.6% |
| Nevada | 9 | 6.8% |
| Wyoming | 1 | 0.8% |
| Washington | 1 | 0.8% |
| New Mexico | 1 | 0.8% |
| Montana | 1 | 0.8% |
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