Multibank holding company Zions Bancorporation operates eight bank subsidiaries with some 500 branches in 10 western and southwestern states. The banks operate under their own brands and leadership rather than sharing one corporate identity. They focus on commercial and retail banking and mortgage lending; their products and services include deposit accounts, home mortgages and home equity lines of credit, residential and commercial development loans, credit cards, and trust and wealth management services. Zions caters to small to medium-sized businesses by being a leading Small Business Administration (SBA) lender.