Amegy Bank

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.

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

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

• Retail banking services
• Commercial lending
• Mortgage loans
• Digital banking
• Wealth management

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Traditional banking revenue from lending activities including personal loans, home loans, credit cards, and business loans
2. Deposit Products: Checking accounts, savings accounts, money market accounts, IRAs, and certificates of deposit generating fee income and interest spread
3. Credit Card Services: Multiple credit card products including Agility Cash Back, Clarity, Vivid Rewards, Launch Secured, Premier, Elite, and Reserve cards
4. Service Fees: Banking service fees including overdraft protection, check reorders, foreign currency exchange, and digital banking services
5. SBA Lending: Small Business Administration lending program generating loan origination fees and interest income

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core 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

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Two partnerships are on record, tiered minor.

• Commercial Funding Inc.minorStrategic or Co-development Partner · 1 June 2026Acquired 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.
• FloCollegeminorChannel Partner/ Reseller/ Distributor · 20 February 2026Streaming 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

Direct 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

• Xtwitter.com/amegybank
• YouTubeyoutube.com/user/amegybank
• Facebookfacebook.com/AmegyBank
• LinkedInlinkedin.com/company/amegy-bank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Amegy Bank