Which Banks Have the Most Branches in Utah?

Utah residents can choose from national banks, regional banks, and local community banks. However, the number of branches each bank has across Utah can be very different. This ranking shows the banks with the most branches in Utah by counting full-service locations where customers can bank in person.

The number of branches does not tell us how large a bank is, how good its products are, or whether it is the best choice for you. This ranking answers one simple question: which banks offer the most in-person locations across Utah?

If you want recommendations based on fees, accounts, online banking, and other needs, see our Best Banks in Utah guide.

This ranking covers banks only. For a separate comparison of credit-union locations, see UtahFi’s Top 10 Credit Unions With the Most Branches in Utah.

Table of Contents

• Ranking at a Glance
• How This Ranking Works
• Top 10 Banks With the Most Branches in Utah
  • 1. Zions Bank
  • 2. Wells Fargo
  • 3. Chase
  • 4. U.S. Bank
  • 5. KeyBank
  • 6. Bank of America
  • 7. Altabank
  • 8. Cache Valley Bank
  • 9. Bank of Utah
  • 10. State Bank of Southern Utah
• How We Counted Utah Bank Branches
• What the Ranking Shows
• Frequently Asked Questions

Banks With the Most Branches in Utah: Ranking at a Glance

Utah has 63 FDIC-insured banks with at least one qualifying full-service location. Together, they operate 510 qualifying branches across 102 Utah cities and towns, based on FDIC Locations data carrying a run date of September 14, 2026.

Zions Bank has the most branches in Utah, with 92 qualifying locations across 71 cities. Wells Fargo ranks second with 70 branches, followed by Chase, U.S. Bank, and KeyBank. The complete Top 10 is shown below.

Data reviewed by UtahFi on September 14, 2026. The FDIC Locations dataset used for this ranking carried a run date of August 7, 2026. Altabank and Cache Valley Bank are tied at 23 branches. Altabank ranks seventh because it serves 22 Utah cities, compared with Cache Valley Bank’s 18.

How This Ranking Works

UtahFi ranked banks by their number of active, full-service branches in Utah using the FDIC Locations dataset. Utah has 63 FDIC-insured banks operating 510 qualifying branches across 102 cities and towns.

We included full-service branches open to customers and excluded ATMs, loan offices, administrative offices, drive-through-only locations, and other non-retail facilities. Ties were decided by the number of Utah cities served.

Altabank was counted using its official location directory because the FDIC lists its offices under Glacier Bank. You can read the complete methodology after the ranking.

Top 10 Banks With the Most Branches in Utah

The sections below provide a closer look at each bank’s branch network, including the number of qualifying branches and Utah cities served. These summaries focus only on physical access and geographic coverage. They are not reviews or recommendations.

Each bank’s logo and profile link lead to UtahFi’s broader coverage of that institution.

1. Zions Bank — 92 Branches in 71 Utah Cities

Zions Bank has the broadest physical presence in this ranking. Its network reaches major Wasatch Front communities and many smaller cities across northern, central, eastern, and southern Utah.

The bank has multiple branches in Salt Lake City, St. George, Layton, Lehi, Logan, Orem, Park City, Provo, Sandy, South Jordan, and West Jordan. It also has branches in smaller communities such as Blanding, Castle Dale, Duchesne, Kanab, Moab, Monticello, Randolph, and Vernal.

This mix of branches in larger cities and smaller communities gives Zions Bank a 22-branch lead over Wells Fargo, which ranks second. Learn more in our Zions Bank profile.

2. Wells Fargo — 70 Branches in 43 Utah Cities

Wells Fargo ranks second in this ranking, with 70 branches serving 43 Utah cities. Most of its locations are along the Wasatch Front, including branches in Salt Lake City, Sandy, West Jordan, South Jordan, Draper, Layton, and Ogden.

The bank also has branches outside the Wasatch Front, including Logan, Park City, Provo, Spanish Fork, Tooele, Cedar City, and St. George. Its presence in northern, central, and southern Utah gives customers access to branches across much of the state.

Wells Fargo has 22 fewer Utah branches than Zions Bank and 25 more than Chase, which ranks third. Learn more in our Wells Fargo profile.

3. Chase — 45 Branches in 29 Utah Cities

Chase ranks third in this ranking, with 45 branches serving 29 Utah cities. Most of its branches are located along the Wasatch Front, including offices in Salt Lake City, Sandy, West Jordan, South Jordan, Draper, Layton, Ogden, Orem, and Provo.

Chase also serves communities outside the main Wasatch Front area, including Logan, Park City, Tooele, and St. George. Its branch network covers many of Utah’s largest cities, although it reaches fewer smaller communities than Zions Bank and Wells Fargo.

Chase has 25 fewer Utah branches than Wells Fargo and six more than U.S. Bank, which ranks fourth. Learn more in our Chase profile.

4. U.S. Bank — 39 Branches in 27 Utah Cities

U.S. Bank ranks fourth with 39 branches serving 27 Utah cities. Most of its locations are along the Wasatch Front, including branches in Salt Lake City, West Valley City, Sandy, Draper, Layton, Ogden, Orem, and Provo.

The bank also serves communities outside the Wasatch Front, including Logan, Park City, Tooele, Cedar City, and St. George. This means its Utah branch network is not limited to the Salt Lake City and Provo areas. Learn more in our U.S. Bank profile.

5. KeyBank — 31 Branches in 21 Utah Cities

KeyBank ranks fifth with 31 branches serving 21 Utah cities. Its network is concentrated along the Wasatch Front, with several locations in Salt Lake County and additional branches in Davis, Weber, and Utah counties.

KeyBank also has branches in Logan and St. George, giving it a physical presence in both northern and southern Utah. Learn more in our KeyBank profile.

6. Bank of America — 28 Branches in 22 Utah Cities

Bank of America ranks sixth with 28 branches serving 22 Utah cities. Its locations are concentrated along the Wasatch Front, including branches in Salt Lake City, Sandy, West Jordan, South Jordan, Draper, Lehi, Orem, and Provo.

The bank also has branches in communities such as Layton, Ogden, and St. George. Because its 28 branches are distributed across 22 cities, Bank of America has a relatively broad Utah network for its number of locations. Learn more in our Bank of America profile.

7. Altabank — 23 Branches in 22 Utah Cities

Altabank ranks seventh with 23 branches serving 22 Utah cities. Its locations are spread across the Wasatch Front and several communities in central and southern Utah. With only one city containing more than one qualifying branch, Altabank has one of the most widely distributed networks in this ranking.

Altabank and Cache Valley Bank are tied at 23 branches, but Altabank ranks higher because it serves 22 Utah cities compared with Cache Valley Bank’s 18. The branch count comes from Altabank’s official location directory because the FDIC lists its locations under Glacier Bank. Learn more in our Altabank profile.

8. Cache Valley Bank — 23 Branches in 18 Utah Cities

Cache Valley Bank ranks eighth with 23 branches serving 18 Utah cities. Its network includes locations in the Cache Valley area and extends through the Wasatch Front and into southern Utah.

Cache Valley Bank is tied with Altabank at 23 branches. It ranks eighth because it serves 18 Utah cities, while Altabank serves 22. Learn more in our Cache Valley Bank profile.

9. Bank of Utah — 18 Branches in 15 Utah Cities

Bank of Utah ranks ninth with 18 branches serving 15 Utah cities. Its network is strongest in northern Utah, with locations in communities such as Ogden, Brigham City, Layton, Logan, and Tremonton.

The bank also reaches communities farther south, including locations along the Wasatch Front and in St. George. Because most cities have only one Bank of Utah branch, its network covers a relatively wide area for its number of offices. Learn more in our Bank of Utah profile.

10. State Bank of Southern Utah — 17 Branches in 14 Utah Cities

State Bank of Southern Utah ranks tenth with 17 branches serving 14 Utah cities. Unlike most banks in this ranking, its network is concentrated primarily in southern and central Utah rather than along the Wasatch Front.

The bank has multiple locations in larger southern Utah communities and also serves smaller cities and towns across the region. This gives State Bank of Southern Utah a distinctive geographic role within the top 10. Learn more in our State Bank of Southern Utah profile.

How We Counted Utah Bank Branches

UtahFi used the FDIC Locations dataset as the main source for this ranking. UtahFi reviewed the information on September 14, 2026. The FDIC file used for the ranking carried a run date of August 7, 2026. We counted active Utah offices classified as full-service brick-and-mortar or full-service retail locations.

The statewide totals include 63 FDIC-insured banks with 510 qualifying branches across 102 Utah cities and towns. We also checked official bank websites when needed to confirm that locations were active and open to customers.

Branches We Included

• Full-service brick-and-mortar branches
• Full-service retail branches, including qualifying branches inside stores
• Main offices that provide full-service banking to customers

Locations We Did Not Include

• ATMs
• Online-only or home-banking records
• Messenger services
• Drive-through-only or separate drive-through locations
• Loan production offices
• Mortgage and real estate offices
• Administrative and corporate offices
• Trust-only offices
• Other locations that do not provide regular branch banking

How We Counted Cities and Handled Ties

Each city was counted once for every bank with at least one qualifying branch there. Different versions of the same city name, such as “Saint George,” “St George,” and “St. George,” were combined and counted as one city.

When two banks had the same number of branches, the bank serving more Utah cities received the higher position. This is why Altabank ranks above Cache Valley Bank even though both have 23 branches.

How We Counted Altabank

The FDIC lists Altabank locations under Glacier Bank because Altabank operates as a division of that bank. We used the official Altabank location directory to identify Altabank-branded branches in Utah.

We counted 23 Altabank branches in 22 Utah cities. We did not count the Altabank Service Center in Pleasant Grove, the Cedar City Loan Production Office, the North Logan Real Estate Office, or the Preston location in Idaho.

The statewide total of 63 banks is based on unique FDIC certificate numbers. For that total, Glacier Bank and its Altabank division count as one FDIC-insured bank. Altabank appears separately in the ranking because this article compares the branch networks customers see and use in Utah.

What the Ranking Shows

Zions Bank Has Utah’s Largest Branch Network

Zions Bank leads the ranking with 92 branches in 71 Utah cities. It has 22 more branches than Wells Fargo and serves 28 more Utah cities. This shows that Zions Bank’s lead comes from both its total number of branches and the number of communities it serves.

National and Utah-Based Banks Both Appear

The top 10 includes five large national or multistate banks: Wells Fargo, Chase, U.S. Bank, KeyBank, and Bank of America. It also includes four banks headquartered in Utah: Zions Bank, Cache Valley Bank, Bank of Utah, and State Bank of Southern Utah. Altabank operates in Utah as a division of Montana-based Glacier Bank.

Branch Count and City Coverage Are Different

Having more branches does not always mean serving more cities. KeyBank has 31 branches in 21 cities, while Bank of America has fewer branches but serves 22 cities. Altabank and Cache Valley Bank are tied at 23 branches, but Altabank serves 22 cities compared with Cache Valley Bank’s 18.

This difference shows whether a bank concentrates several branches in the same cities or spreads its locations across more communities.

More Branches Does Not Automatically Mean a Bank Is Better

This ranking measures only physical branch access in Utah. It does not compare account options, fees, customer service, digital tools, or other factors that may matter when choosing a bank.

A bank with fewer branches (or no branches at all) may still be a better match for someone who rarely visits a branch. For broader recommendations based on different banking needs, see our Best Banks in Utah ranking.

Frequently Asked Questions

Which Bank Has the Most Branches in Utah?

Zions Bank currently has the most qualifying branches in Utah, with 92 branches serving 71 cities. UtahFi reviewed the information on September 14, 2026, using an FDIC Locations file with a run date of August 7, 2026.

Does This Ranking Include Credit Unions?

No. This ranking includes FDIC-insured banks only. Credit unions are not banks and are insured and regulated under a different system. UtahFi will publish a separate ranking of the credit unions with the most branches in Utah.

Are ATMs and Loan Offices Counted as Branches?

No. The ranking includes qualifying full-service locations where customers can conduct regular banking business. ATMs, loan production offices, mortgage offices, administrative offices, and drive-through-only locations were excluded.

Why Is Altabank Listed Separately From Glacier Bank?

Altabank operates as a division of Glacier Bank, so the FDIC lists its locations under the Glacier Bank legal entity. UtahFi lists Altabank separately because customers in Utah see and use those locations as Altabank branches.

How Often Does the FDIC Update Its Branch Data?

The FDIC updates BankFind Suite as bank and branch information is processed, but it does not publish a fixed daily, weekly, or monthly update schedule for the Locations dataset. A recently announced branch opening or closing may therefore take time to appear in the data.

How Often Does UtahFi Update This Ranking?

UtahFi reviews this ranking quarterly using the newest available FDIC Locations data and official bank location directories when needed. The ranking may be updated sooner following a major merger, acquisition, rebrand, branch closing, or other change that affects the results.

Cache Valley Bank: Overview

Cache Valley Bank is a Utah-based community bank headquartered in Logan that traces its history to 1975, when it was founded as North Park Bank. Since then, the bank has expanded beyond Cache Valley while maintaining a strong regional presence across Utah and southern Idaho. It offers personal and business banking services, including checking and savings accounts, CDs, credit cards, consumer and mortgage lending, commercial financing, and treasury management services. This profile covers its history, Utah presence, customer service, and major products and services.

Expansion

Cache Valley Bank was founded in 1975 as North Park Bank of Commerce. In 1981, the institution changed its name to Cache Valley Bank, and in 1986 it moved its headquarters to 101 N. Main Street in Logan, where it remains headquartered today.

The bank began expanding beyond Cache Valley in 2009 when it acquired America West Bank, adding its first branch outside the region in Layton. In 2011, Cache Valley Bank assumed the deposits of SunFirst Bank in St. George, which expanded its presence into southern Utah. In 2012, it acquired part of Village Bank, adding locations in the St. George and Washington area.

Another major expansion came in 2017, when Cache Valley Bank acquired the deposits and substantially all of the assets of Proficio Bank in Cottonwood Heights after that institution was closed by state regulators. The transaction further expanded Cache Valley Bank’s presence along the Wasatch Front.

Cache Valley Bank continued expanding geographically in 2021 by opening its first branch outside Utah in Preston, Idaho. Today, the bank operates a network of branches and specialized lending offices stretching from southern Idaho through northern, central, and southern Utah, while remaining headquartered in Logan.

Cache Valley Bank Products and Services

cachevalleybank.com | Consumer Banking

Cache Valley Bank offers a broad range of personal and business financial products designed for everyday banking, saving, borrowing, and managing money. Its consumer services include checking and savings accounts, money market accounts, certificates of deposit, credit cards, mortgages, home equity financing, auto loans, and personal loans.

For businesses, Cache Valley Bank provides deposit accounts, commercial lending, SBA financing, business credit cards, merchant services, and treasury management tools. Customers can also access online and mobile banking services for routine account management, payments, transfers, and deposits.

Cache Valley Bank Checking Accounts

Savings Accounts

Cache Valley Bank offers 3 personal savings options: Silver, Gold, and Platinum Savings. Unlike its checking lineup, the bank’s current fee disclosure does not list an ongoing minimum balance or monthly fee for these savings accounts. The main differences are the opening deposit amounts and the balances at which the accounts earn interest.

Silver Savings

• Monthly fee: $0
• Minimum balance requirement: $0
• Minimum to open: $25
• Key benefit: Earns interest on any balance

Gold Savings

• Monthly fee: $0
• Minimum balance requirement: $0
• Minimum to open: $2,000
• Key benefit: Earns interest above $2,000

Platinum Savings

• Monthly fee: $0
• Minimum balance requirement: $0
• Minimum to open: $20,000
• Key benefit: Earns interest above $20,000

Cache Valley Bank does not publish current savings rates directly in this account overview, so customers should verify current rates with the bank before opening an account.

Certificates of Deposit

Cache Valley Bank offers certificates of deposit (CDs) for customers who want to set money aside for a fixed period in exchange for a stated rate of return. The bank offers multiple term lengths, but current rates and detailed conditions can change and should be confirmed directly with Cache Valley Bank.

Certificates of Deposit

• Monthly fee: $0
• Minimum balance requirement: Not stated
• Minimum to open: Varies by term
• Key benefit: Fixed-term savings option with a stated return

Customers should review the current term options, opening deposit requirements, early withdrawal penalties, and rates before opening a CD.

Cache Valley Bank Credit Cards

cachevalleybank.com | Credit Cards

Cache Valley Bank offers 2 personal Visa credit cards: Visa Classic and Visa Gold. Both cards participate in the Rewards ScoreCard® program and are available in different credit limit tiers.

Visa Classic

Visa Classic is the bank’s standard personal credit card.

Best for: Customers looking for a straightforward everyday credit card.

• Annual fee: $0
• Welcome bonus: None
• Intro offer: None
• Rewards: Rewards ScoreCard®
• Other perks: Fixed APR, no balance transfer fee, no cash advance transaction fee, and support for contactless and mobile wallet payments

Visa Gold

Visa Gold is designed for customers who qualify for a higher credit limit and a lower fixed APR.

Best for: Customers who qualify for a higher credit limit and want a lower interest rate than the Visa Classic.

• Annual fee: $0
• Welcome bonus: None
• Intro offer: None
• Rewards: Rewards ScoreCard®
• Other perks: Higher credit limit of $5,000 and above, lower fixed APR than Visa Classic, no balance transfer fee, no cash advance transaction fee, and support for contactless and mobile wallet payments

Credit card rates, fees, and terms can change, so applicants should confirm current details directly with Cache Valley Bank before applying.

Loans

cachevalleybank.com | Loans

Cache Valley Bank offers several personal lending options for customers who need financing for vehicles, major purchases, unexpected expenses, or other borrowing needs.

Personal Loans

Cache Valley Bank offers personal loans for a variety of everyday financing needs.

Best for: Customers who need funds for major expenses, debt consolidation, or other personal purposes.

Auto Loans

The bank provides financing for new and used vehicles.

Best for: Customers purchasing or refinancing a vehicle.

Mortgages and Home Loans

Cache Valley Bank also provides a range of home financing options, including mortgage and home equity products.

Mortgage Loans

Mortgage options include financing for home purchases, refinancing, construction, lots, second homes, and investment properties.

Best for: Homebuyers, homeowners refinancing, or customers building a new home.

Home Equity Loans and HELOCs

Homeowners may also be able to borrow against their home equity through home equity loans or home equity lines of credit (HELOCs).

Best for: Homeowners who want to use available home equity for renovations, large expenses, or other borrowing needs.

Business Banking

Cache Valley Bank provides a full range of business banking products and services for companies of different sizes, from small businesses to larger commercial customers. In addition to business deposit accounts, the bank offers commercial lending, treasury management, merchant services, and SBA financing.

Business Checking

Cache Valley Bank offers multiple business checking accounts designed for different transaction volumes and business needs.

Best for: Businesses looking for an everyday operating account with local banking support.

Business Savings and Money Market Accounts

Businesses can also choose from savings and money market accounts to manage operating reserves while maintaining access to funds.

Best for: Businesses that want to separate operating cash from longer-term reserves.

Business Loans

Cache Valley Bank provides a variety of commercial financing options, including commercial real estate loans, equipment financing, business lines of credit, agricultural loans, construction financing, and SBA loans.

Best for: Businesses seeking financing for growth, property purchases, equipment, or working capital.

Treasury Management and Merchant Services

The bank offers treasury management tools such as ACH services, wire transfers, Positive Pay, remote deposit capture, lockbox services, business online banking, and fraud prevention solutions. Businesses can also access merchant services for accepting card payments.

Best for: Businesses that process payments, manage payroll, or need advanced cash management services.

Conclusion

Founded in 1975 as North Park Bank of Commerce, Cache Valley Bank has grown from a local community bank in Logan into a regional institution serving customers across Utah and southern Idaho. Through a combination of organic growth and acquisitions, the bank has expanded its branch network while continuing to offer local banking and lending services.

Today, Cache Valley Bank provides a broad range of financial products, including checking and savings accounts, certificates of deposit, credit cards, personal loans, mortgages, business banking, commercial lending, and treasury management services. Because account features, rates, fees, and loan terms may change over time—and some product details are not fully published on the bank’s website—customers should verify the latest information directly with Cache Valley Bank before opening an account or applying for a loan.

Related Banks

Disclaimer:
This page is not affiliated with, maintained by, or sponsored by Cache Valley Bank. The information provided in this overview may be outdated or inaccurate after the publication date. UtahFi does not assume responsibility for the accuracy of the content. The logo is a registered trademark of Cache Valley Bank.