Amegy Bank
Amegy Bank is a Houston-based division of Zions Bancorporation, N.A. providing personal and business banking services — including deposits, consumer and commercial loans, credit cards, SBA lending, and digital banking — across the western and southwestern United States.
- Company typePublic
- Founded1996
- HeadquartersHouston, United States
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What Amegy Bank does
Amegy Bank is a Houston-headquartered community banking division of Zions Bancorporation, N.A. (NASDAQ: ZION), serving consumers and businesses across the western and southwestern United States. The bank operates a full-service retail and commercial banking franchise built around seven tiers of personal checking accounts (Anytime, Gold, Premier, Military Advantage, Senior Advantage, OnBudget, Student), six savings and CD products (up to 3.70% APY on long-term CDs), a consumer loan suite spanning auto, personal unsecured, lines of credit, secured, and RV loans, a comprehensive home loan menu including FHA, VA, fixed-rate, adjustable-rate, construction, jumbo, and home equity products, and seven proprietary credit cards (Agility Cash, Clarity, Vivid Rewards, Launch Secured, Premier, Elite, Reserve). The product surface is complemented by a digital banking stack covering mobile and online banking, bill pay, Zelle peer-to-peer payments, digital wire transfers, credit score monitoring, Apple Pay and Google Pay, and a dedicated Treasury Gateway for business customers, distributed alongside a physical branch network and specialized mortgage and SBA lending teams.
The business model is traditional commercial banking. Revenue is generated through net interest income on the loan and deposit book, fee income from credit cards and ancillary banking services (overdraft protection, check reorders, foreign currency, safe deposit boxes), SBA loan origination fees, and construction lending participation. Go-to-market is hybrid: in-person relationship banking through branches, self-serve digital account opening (consumer checking accounts openable in approximately five minutes), and enterprise-style field sales for SBA, commercial, and CRE lending. Customer segments span individual consumers (primary), small businesses (a growing SBA book up roughly 50% between 2024 and 2025), commercial and treasury management clients, and commercial real estate developers — the latter illustrated by Amegy's role as construction lender in the $1 billion-plus The RO mixed-use project in Houston's River Oaks alongside Madison Realty Capital, Citizens Bank, Texas Capital, and Nomura. In June 2026, Amegy divested its factoring portfolio to Commercial Funding Inc., narrowing strategic focus to core deposit, lending, and SBA activities under the Zions Bancorporation umbrella.
Amegy Bank firmographics
Firmographics- Name
- Amegy Bank
- Legal name
- Zions Bancorporation, N.A.
- Website
- https://amegybank.com
- Company type
- Public
- Founded year
- 1996
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Amegy Bank is a Houston-based division of Zions Bancorporation, N.A. providing personal and business banking services — including deposits, consumer and commercial loans, credit cards, SBA lending, and digital banking — across the western and southwestern United States.
- Ownership category
- akta.pro rank
Amegy Bank industry classification
Industry- Product category
- Retail Banking
- NAICS
- Depository Credit Intermediation (5221)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Credit Cards & Revolving Credit (FSABAAAC), Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD)
Keywords
Where Amegy Bank is headquartered
LocationHeadquarters
- HQ city
- Houston
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Amegy Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income: Traditional banking revenue from lending activities including personal loans, home loans, credit cards, and business loans
- Deposit Products: Checking accounts, savings accounts, money market accounts, IRAs, and certificates of deposit generating fee income and interest spread
- Credit Card Services: Multiple credit card products including Agility Cash Back, Clarity, Vivid Rewards, Launch Secured, Premier, Elite, and Reserve cards
- Service Fees: Banking service fees including overdraft protection, check reorders, foreign currency exchange, and digital banking services
- SBA Lending: Small Business Administration lending program generating loan origination fees and interest income
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Certificates of Deposit with competitive returns |
| Other | Monthly | Multiple credit card options with varying reward structures |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Amegy Bank product offering
Product offeringCore offering
Amegy Bank is a division of Zions Bancorporation, N.A. that provides consumer and commercial banking services across western and southwestern United States. Its core offerings include personal and business checking and savings accounts, money market and IRA accounts, certificates of deposit, auto loans, personal loans, home equity lines of credit, residential mortgages (FHA, VA, fixed, adjustable, construction, jumbo), seven consumer credit card products, and SBA-backed small business lending, supported by digital banking, mobile banking, Zelle payments, bill pay, and Treasury Gateway for business customers.
Product overview
Amegy Bank is a division of Zions Bancorporation, N.A. offering a comprehensive suite of personal banking products and services. The portfolio includes multiple checking account tiers (Anytime Checking, Gold Account, Premier Checking, Military Advantage Checking, Senior Advantage Checking, OnBudget Banking, On Budget Student Banking), savings options (Personal Savings, Money Market, IRA Money Market, Young Savers, IRA CD, Certificates of Deposit up to 3.70% APY), personal loans (Auto Loans, Unsecured Loans, Lines of Credit, Secured Loans, RV Loans), home mortgages (Affordable Home Loan, Fixed Rate, Adjustable Rate, FHA, VA, Home Equity, Construction, Jumbo Loans), and seven credit card products (Agility Cash, Clarity, Vivid Rewards, Launch Secured, Premier, Elite, Reserve). Digital banking services encompass Online Banking, Mobile Banking, Bill Pay, Zelle, Credit Score monitoring, Digital Wire Transfers, and Digital Wallet support including Apple Pay and Google Pay. The bank also offers loyalty programs including the Amegy Bank Rewards Program and Cash Back Program. As a Member FDIC institution, Amegy Bank operates as a traditional community bank focused on serving individuals and small businesses in Texas and surrounding regions.
Differentiator
Problem solved
Functional benefit
Products and services
- Anytime Checking
Quantifiable outcome
- 50% growth in SBA loan volume from 2024 to 2025
- +3 more outcomes
Companies that use Amegy Bank
Customer profileSegments4 records
Ideal customer profiles4 records
Amegy Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature3 records
Amegy Bank partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor.
- Commercial Funding Inc.minorAcquired Amegy Business Bank's factoring portfolio from Zions Bancorporation, N.A. The acquisition diversifies CFI's client base across key industries and includes key servicing team members to ensure continuity of service for existing clients.
- FloCollegeminorStreaming partner for the Amegy Bank College Baseball Series. FloCollege provides exclusive streaming of all nine games from the tournament featuring six power conference teams at Globe Life Field in Arlington, Texas.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Amegy Bank competitors and assessment
Company assessmentDirect peers
- BOK Financial (Bank of Texas): Regional bank with significant Texas commercial banking and wealth management operations, overlapping with Amegy on CRE, treasury management, and SBA lending.
- Comerica: Major Texas-based regional bank with overlapping consumer, small business, and commercial banking offerings. Comparable CRE and middle-market lending capabilities, though larger in scale.
- Frost Bank (Cullen/Frost Bankers): Texas-headquartered regional bank with a comparable community-banking model emphasizing relationship lending, physical branches, and a full suite of consumer and commercial products. Closest direct comparable to Amegy by market, model, and product breadth.
- Prosperity Bancshares: Houston-based regional bank with similar community-banking focus and footprint across Texas and surrounding states. Comparable deposit gathering, small-business lending, and CRE exposure profile.
- Cadence Bank: Regional bank with strong Texas and Southeast presence offering similar consumer and commercial banking products. Comparable mid-sized community-bank operating model and SBA lending activity.
- Independent Bank Group: Texas-headquartered community bank with similar deposit and small-business lending focus. Comparable size profile and operating geography in North Texas and surrounding states.
- Texas Capital Bancshares: Texas-focused commercial bank serving businesses and high-net-worth individuals, with comparable business banking, treasury management, and SBA lending capabilities.
Broad incumbents
- Bank of America (Houston market): National incumbent with extensive Houston consumer and small business presence. Competes for the same mass-market deposit and credit card customers as Amegy with broader product scale.
- Wells Fargo (Houston market): National incumbent with a substantial Houston branch network, commercial banking, and mortgage franchise that competes head-to-head with Amegy across consumer and business segments.
- JPMorgan Chase (Houston market): National incumbent with large Houston franchise competing directly for consumer deposits, mortgages, and business banking customers. Not a niche comparable, but the dominant share competitor in Amegy's core market.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Amegy Bank social profiles
Digital presenceAmegy Bank compliance and trust
Trust signalCompliance1 record
Amegy Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Amegy Bank leadership team
Management profileNumber of profiles
Profiles1 record
Amegy Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Amegy Bank M&A and investment
M&A and investmentM&A
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Amegy Bank
What does Amegy Bank do?
Amegy Bank is a division of Zions Bancorporation, N.A. that provides consumer and commercial banking services across western and southwestern United States. Its core offerings include personal and business checking and savings accounts, money market and IRA accounts, certificates of deposit, auto loans, personal loans, home equity lines of credit, residential mortgages (FHA, VA, fixed, adjustable, construction, jumbo), seven consumer credit card products, and SBA-backed small business lending, supported by digital banking, mobile banking, Zelle payments, bill pay, and Treasury Gateway for business customers.
Is Amegy Bank a public or private company?
Amegy Bank is a public company. It is classified as public and is currently operating.
When was Amegy Bank founded?
Amegy Bank was founded in 1996. It employs 501 to 1,000 people.
Where is Amegy Bank based?
Amegy Bank is headquartered in Houston, United States, in the North America region.
How does Amegy Bank make money?
Five revenue lines are on record. Interest Income is the primary driver. The others are deposit Products, credit Card Services, service Fees and SBA Lending.
Who are Amegy Bank's main competitors?
Direct peers on record are BOK Financial (Bank of Texas), Comerica, Frost Bank (Cullen/Frost Bankers), Prosperity Bancshares, Cadence Bank, Independent Bank Group and Texas Capital Bancshares. Broad incumbents are Bank of America (Houston market), Wells Fargo (Houston market) and JPMorgan Chase (Houston market).
Does Amegy Bank have an API?
No public API is recorded for Amegy Bank.
What industry is Amegy Bank in?
Amegy Bank's product category is Retail Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABABAB, SME Business Lending (Term Loans, Lines of Credit, Overdrafts). Its NAICS code is 5221 and its SIC code is 6021.