California Bank & Trust (CB&T) is the second-largest subsidiary of mulitbank holding company Zions Bancorporation (behind flagship affiliate Zions Bank). CB&T operates nearly 100 branches in greater California. With roughly $11 billion in assets, it serves business and consumer clients, offering checking and savings accounts, investments and wealth management, residential and commercial mortgages, credit cards, personal loans, and business loans, including Small Business Administration loans. Specialized services for businesses include cash management, lines of credit, merchant services, and international banking.