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

Zions Bancorporation, National Association (ZION) has a Shariah compliance score of 0/100 (Grade: F, Non-Compliant). AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%.

Does Zions Bancorporation, National Association pass AAOIFI screening?

Zions Bancorporation, National Association (ZION) does not pass AAOIFI Shariah screening. AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%. ZION's debt-to-market-cap is 21.1%.

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

Muslim investors purify the portion of dividends and realized gains that comes from non-permissible income by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification computes the percentage and amount for Zions Bancorporation, National Association (ZION) 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 8,200+ securities. US-listed stocks and ETFs are screened under AAOIFI Standard No. 21. Bursa Malaysia securities carry the Securities Commission Malaysia's official status. Coins are screened separately, under published scholarly opinion. The verdict is free, with no credit card or signup required for basic screening. The compliance grade, score, and debt ratio are free too; the full ratio breakdown is part of Pro.

ZIONNot HalalF

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Compliance Status

Not Halal

Screened on Oct 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).

Quote this verdict

HalalScreener rates Zions Bancorporation, National Association (ZION) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 19, 2026. Source: https://halalscreener.app/en/stock/ZION

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Within the limit

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

21.1% of 30.0% limit

PRO DETAIL

The verdict above is final and free.

Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.

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Screened according to AAOIFI Standard 21

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

ZION: Is Zions Bancorporation, National Association Halal?

Zions Bancorporation, National Association

NASDAQFinancial ServicesUS

$63.37

+0.57%

Market Cap: 9.2B

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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

Why this does not pass

Business activity: the company earns from an activity AAOIFI treats as prohibited.

Screened under AAOIFI Standard 21. The exact figure behind this is part of Pro; the failing check and its limit are always free.

Shariah Compliance Status

AAOIFI Standard 21Updated Oct 19, 2026

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Institutional-grade Shariah analysis

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See why ZION is rated Not Halal with institutional-grade analysis

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: Q2 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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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 21.1% (limit 30%). 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: Oct 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.