What is Zions Bancorporation, National Association's Shariah compliance score?

Zions Bancorporation, National Association's (ZION) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Zions Bancorporation, National Association pass AAOIFI screening?

Zions Bancorporation, National Association (ZION) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (ZION: 8.9%), (3) interest-bearing deposits below 30% (ZION: 6.1%), and (4) prohibited income below 5% (ZION: 772.9%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Zions Bancorporation, National Association stock?

Zions Bancorporation, National Association (ZION) has a non-permissible income ratio of 772.93%. Muslim investors should purify this percentage of any dividends received and capital gains realized from ZION shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen Zions Bancorporation, National Association for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Zions Bancorporation, National Association (ZION) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about ZION's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

ZION: Is Zions Bancorporation, National Association Halal?

Zions Bancorporation, National Association

NASDAQFinancial ServicesUS

$70.66

+0.91%

Market Cap: 10.4B

Compliance Status

Not Halal

Screened on Jul 19, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Zions Bancorporation, National Association (ZION) halal? Not Halal. Based on AAOIFI screening, Zions Bancorporation, National Association has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Well clear of the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

8.9% of 30.0% limit

What this means for you

Most scholars advise not holding ZION

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Zions Bancorporation, National Association

Headquartered in Salt Lake City, Utah, Zions Bancorporation, National Association is a long-standing financial institution, founded in 1873. Operating primarily across the western United States, it delivers a comprehensive suite of banking and financial services throughout Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company's diverse offerings encompass corporate banking, commercial banking (with a particular emphasis on small and medium-sized businesses), and commercial real estate financing. It also extends municipal and public finance services, retail banking (including residential mortgages), trust services, wealth management and private client banking, and capital markets products. As of December 31, 2020, Zions Bancorporation maintained a network of 422 branches, consisting of 273 owned and 149 leased locations. The institution, initially known as ZB, National Association, officially adopted its current name, Zions Bancorporation, National Association, in September 2018.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 19, 2026

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

Compliance History

Not Halal, unchanged since Jun 2026.

No status changes recorded since we began tracking.

Tracked since Jun 2026. Updates automatically on each re-screen.

Fiscal: Q1 2026Data source: EDGAR

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

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Sprott Physical Silver Trust

$21.30

+6.23%

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Sprott Physical Gold Trust

$31.75

+0.19%

ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

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Free · No credit card required

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Frequently Asked Questions

Is Zions Bancorporation, National Association (ZION) halal to invest in?

Zions Bancorporation, National Association (ZION) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Zions Bancorporation, National Association get a F compliance rating?

Zions Bancorporation, National Association (ZION) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 8.9% (limit 30%); interest-bearing deposits of 6.1% (limit 30%); prohibited income of 772.93% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Zions Bancorporation, National Association's Shariah verdict?

Zions Bancorporation, National Association's verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Zions Bancorporation, National Association re-screened for Shariah compliance?

Zions Bancorporation, National Association (ZION) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 19, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.