Zions Bancorporation, National Association (ZION)

Western regional bank, 407 branches, FTE count. Read October 19, 2026 from the annual report for the period ending December 31, 2025, filed February 24, 2026. Ranked 30 of the 101 Financial Services companies read so far, by the share within reach now.

A regional bank whose filing states 9,195 full-time equivalent employees and 407 branches with nothing by kind of work, so the whole workforce is read at the depository banking group.

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 40% now, 58% at the end of 2027, 66% at the end of 2028, 68% at the end of 2030. By the patterns, the work is about 68% desk work, 23% people work and 9% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 32% of the working time stays with people (conversation, in-person and hands-on work), 60% becomes checking a model's work and 6% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

9,195 employees as of December 31, 2025 (full-time equivalent). The filing describes only U.S. banking, 407 branches in its markets, so the U.S. share is recorded as 1 with a flag; no count by country is stated.

The filing: “At December 31, 2025, we had 9,195 full-time equivalent employees, representing a decrease of approximately 2% compared with the prior year.”

The workforce as industry patterns

What the filing says about the workforce: 9,195 full-time equivalent employees at December 31, 2025, about 2% fewer than a year earlier; 407 branches; a learning platform of more than 20,000 programs; nothing by kind of work or status.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Credit Intermediation and Related Activities (5221 and 5223 only), largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.

• JPMorgan Chase (JPM, 318,512 employees)37% now, 68% by 2028
• Citigroup (C, 226,000 employees)38% now, 68% by 2028
• Bank of America (BAC, 213,000 employees)39% now, 67% by 2028
• Wells Fargo (WFC, 205,000 employees)39% now, 67% by 2028
• Capital One Financial Corporation (COF, 76,300 employees)40% now, 66% by 2028
• U.S. Bancorp (USB, 68,520 employees)40% now, 66% by 2028
• The PNC Financial Services Group, Inc. (PNC, 55,333 employees)40% now, 66% by 2028
• Mastercard Incorporated (MA, 39,800 employees)40% now, 66% by 2028

What the filing says about AI

27 sentences in the filing name AI. The filing says the growing experimentation with and adoption of advanced technologies such as AI, quantum computing, tokenized deposits, blockchain, stablecoins and digital currencies has the potential to reshape the financial services landscape.

• “Form 10-K Summary 160 Signatures 161 2 Table of Contents ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES GLOSSARY OF ACRONYMS AND ABBREVIATIONS ACL Allowance for Credit Losses Fintech Financial Technology Company AFS Available-for-Sale FRB Federal Reserve Board AI Artificial Intelligence FX Foreign Exchange ALCO Asset Liability Committee GAAP Generally Accepted Accounting Principles...”
• “Although the following list is not comprehensive, key factors that may cause material differences include: The quality and composition of our loan and investment securities portfolios and the quality and composition of our deposits; Changes in general industry, political, and economic conditions, including increases in the national debt, elevated or persistent inflation, economic slowdowns or r...”
• “The growing experimentation with and adoption of advanced technologies-such as AI, quantum computing, tokenized deposits, blockchain, stablecoins, and other digital currencies, including the potential issuance, acceptance, and integration of central bank digital currencies-has the potential to fundamentally reshape the financial services landscape.”
• “The development and use of AI technologies present risks and challenges that could materially and adversely affect our business, financial condition, and results of operations.”
• “We are in the early stages of integrating AI into certain aspects of our business operations with the objective of enhancing employee productivity and operational efficiency.”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20210median 0
• Fiscal 20220median 0
• Fiscal 20233median 1
• Fiscal 20246median 4
• Fiscal 202527median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• A full-time equivalent count, not a headcount (rule 2).
• The U.S. share is recorded as 1 because the filing describes only U.S. banking; it states no count by country.

Source: the company's annual report on EDGAR, accession 0000109380-26-000046, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.