Nevada State Bank
A Nevada-based banking division of Zions Bancorporation serving consumers, businesses, and communities across the state.
Last updated August 25, 2026
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Overview
Nevada State Bank is a Nevada-focused banking brand that operates within Zions Bancorporation, N.A., the banking subsidiary of Zions Bancorporation. It provides retail, small-business, commercial, and related financial services through a statewide branch and digital network. Although it is part of a larger regional banking group, the brand has historically emphasized local management, Nevada market knowledge, and long-term relationships with businesses and communities in the state. The bank began operations in Las Vegas on December 9, 1959, after being organized by a group of local business owners. Charles Lee Horsey Jr. served as its first president. The institution received its Nevada state charter in January 1960 and initially operated from a single downtown Las Vegas location. Its early development reflected the growth of Nevada's population, tourism economy, gaming industry, construction activity, and expanding business base. The bank opened its first satellite branch in 1974 and gradually developed a broader presence beyond its original Las Vegas location. Nevada State Bank expanded both its physical network and its delivery channels over subsequent decades. It introduced an overdraft-related line of credit account called Reddi Reserve in 1968, installed Docutel automated teller machines and launched the NSB Money Machine card in 1983, and had grown to five branches and 269 employees by 1984. In 1985, Zions Bancorporation acquired the bank, while initially allowing it to operate as an autonomous Nevada subsidiary. The transaction connected Nevada State Bank to a broader western banking organization without eliminating its local identity. The bank continued to grow through branch expansion and acquisitions. In 1989 it opened Nevada's first supermarket bank branch. In 1997 it acquired branches in several rural Nevada communities, including Eureka, Fernley, Tonopah, Lovelock, and Wells, and later that year purchased Sun State Bank, adding three Southern Nevada branches. Its 1999 merger with Pioneer Citizens Bank of Nevada, an institution founded in Reno in 1965, substantially expanded the bank's Northern and Southern Nevada presence. Technology has been a recurring part of the brand's development. Nevada State Bank introduced telephone, online, and personal-computer banking in 1998, Internet bill pay in 2002, online cleared-check and deposit-slip imaging through Reddi-Check in 2004, and remote deposit services for businesses in 2005. It later added mobile banking and bill pay, deposit-enabled smart ATMs, and mobile deposit capture. These services extended the brand beyond its branches and supported both individual customers and companies operating across a geographically dispersed state. Nevada State Bank has also participated in statewide civic and economic initiatives. In 2006 it served as the public-facing bank for the launch of the Nevada quarter under the United States Mint's 50 State Quarters Program. During the 2008–2009 banking crisis, the Federal Deposit Insurance Corporation selected the bank for several resolution-related roles, including assuming insured deposits from Silver State Bank, acquiring the banking operations of Great Basin Bank of Nevada, and serving as payout agent in the resolution of Community Bank of Nevada. These transactions increased the bank's role in Nevada's banking system during a period of significant industry stress. The corporate structure changed in the mid-2010s. At the end of 2015, Zions Bancorporation consolidated the charters of its affiliated banks, and Nevada State Bank became a division of ZB, N.A. In 2018, ZB, N.A. merged with Zions Bancorporation and was renamed Zions Bancorporation, N.A.; Nevada State Bank continued as one of the group's locally managed bank divisions. The brand remains focused on Nevada retail and business banking, combining local market operations with the resources, technology, and risk infrastructure of its parent organization.
History
Nevada State Bank opened for business in Las Vegas on December 9, 1959. It was organized by 12 local business owners, with Charles Lee Horsey Jr. serving as its first president. The institution received its official Nevada state charter on January 5, 1960, and initially operated from one downtown Las Vegas office. Its first satellite branch opened in 1974 as the bank responded to the expansion of the Las Vegas area and the broader development of Nevada's economy. The bank introduced several early consumer and delivery innovations. In 1968 it launched Reddi Reserve, an account feature that gave customers a line of credit intended to cover checking-account overdrafts. In 1983 the bank installed eight Docutel ATMs and introduced the NSB Money Machine card. By 1984, it had five branches and 269 employees. In 1985, Zions Bancorporation acquired Nevada State Bank. The bank retained a degree of local autonomy and continued to operate under its Nevada identity within the larger western banking group. Branch growth continued in the late 1980s and 1990s. Nevada State Bank opened the state's first supermarket bank branch in 1989. In July 1997 it acquired five rural branches in Eureka, Fernley, Tonopah, Lovelock, and Wells. In October of the same year, it purchased Sun State Bank, adding three Southern Nevada branches. The 1999 merger with Pioneer Citizens Bank of Nevada, which had been founded in Reno in 1965, added six Northern Nevada and six Southern Nevada branches and approximately doubled the bank's physical scale. Nevada State Bank also expanded its electronic banking capabilities. Telephone, online, and personal-computer banking were introduced in 1998. In 2002 the bank launched Internet bill pay, described in its historical account as an early free offering for non-business customers. Reddi-Check, introduced in 2004, allowed customers to view images of cleared checks and deposit slips online. In 2005 the bank became the first in Nevada to offer remote deposit services, allowing companies to scan checks electronically rather than deliver them to a branch. The bank maintained a public role in Nevada. In January 2006 it participated in the launch of the Nevada quarter under the United States Mint's 50 State Quarters Program and promoted the coin's availability to the public. During the financial crisis, the FDIC selected Nevada State Bank for several resolution assignments. In September 2008 the bank assumed the insured deposits of Silver State Bank. In April 2009 it acquired the banking operations of Great Basin Bank of Nevada in an FDIC-facilitated transaction. In August 2009 it served as payout agent in the resolution of Community Bank of Nevada after that institution was closed by the Nevada Financial Institutions Division. During the 2010s, the brand added further digital and small-business initiatives. NevadaSmallBusiness.com launched in 2010, alongside the bank's entry into social media. Mobile banking and bill pay were introduced in 2011, the same year that the bank rolled out smart ATMs capable of accepting cash and checks without deposit slips or envelopes. Mobile Deposit Capture followed in 2014, enabling customers to deposit checks through images captured with a mobile device. Also in 2014, Nevada State Bank began an annual statewide small-business survey focused on business conditions, opinions, and priorities. Zions Bancorporation later consolidated the legal structure of its affiliated banks. On December 31, 2015, Nevada State Bank became a division of ZB, N.A. rather than operating under a separate charter. In January 2017, Terry Shirey was named president and CEO, with Dallas Haun continuing as chairman. On September 30, 2018, ZB, N.A. merged into Zions Bancorporation and changed its name to Zions Bancorporation, N.A. Nevada State Bank continued as a locally managed division. Its present identity is therefore that of a Nevada-specific banking brand backed by the resources of a larger regional financial institution.
- 2018
ZB, N.A. becomes Zions Bancorporation, N.A.
[1]After the parent banking merger, Nevada State Bank continues as a locally managed division of Zions Bancorporation, N.A.
- 2017
Terry Shirey named president and CEO
[1]Terry Shirey assumes the president and CEO role while Dallas Haun remains chairman.
- 2015
Becomes a division of ZB, N.A.
[1]Following Zions Bancorporation's charter consolidation, Nevada State Bank becomes a division of ZB, N.A.
- 2014
Mobile deposit and small-business survey
[1]The bank launches Mobile Deposit Capture and begins its annual statewide small-business survey.
- 2011
Mobile banking and smart ATMs
[1]Mobile banking and bill pay launch, alongside smart ATMs that accept cash and checks without envelopes or deposit slips.
- 2009
Crisis-era FDIC transactions
[1]The bank acquires Great Basin Bank operations and serves as payout agent in the Community Bank of Nevada resolution.
- 2008
Assumes Silver State Bank insured deposits
[1]The FDIC selects the bank to assume insured deposits from Silver State Bank.
- 2005
Remote deposit launched
[1]Nevada State Bank introduces remote deposit services for business customers.
- 2002
Internet bill pay introduced
[1]The bank adds online bill payment for customers, including a free offering for non-business clients.
- 1999
Pioneer Citizens merger
[1]The merger with Pioneer Citizens Bank of Nevada significantly enlarges the bank's statewide branch network.
Products and positioning
A locally managed Nevada banking brand combining statewide market presence and community relationships with the resources of Zions Bancorporation.
Retail banking · 1959
Personal banking
Nevada State Bank's consumer offering includes deposit accounts and everyday banking services for individuals. The brand's retail model has historically combined local branches with ATM access, telephone banking, online banking, bill pay, mobile banking, and mobile check deposit. Its consumer service development includes the Reddi Reserve overdraft-related account feature introduced in 1968 and later digital tools intended to make routine banking available outside branch hours.
Business banking
Business banking
Business banking is a central part of the Nevada State Bank proposition, serving small companies and commercial customers across the state. Services include business deposit accounts, cash-management support, electronic payments, lending, and remote deposit capabilities. The bank's 2005 remote-deposit launch allowed companies to scan checks electronically rather than transport deposits to a branch, supporting customers operating across Nevada's wide geographic area.
Digital banking · 1998
Online and mobile banking
Nevada State Bank has progressively added digital access through telephone, online, personal-computer, mobile, and smartphone-based services. Key functions described in its historical record include account access, Internet bill pay, cleared-check and deposit-slip images, mobile bill pay, and mobile deposit capture. The digital channel complements the bank's Nevada branch network and gives customers access to routine services beyond normal branch hours.
Treasury and deposit services · 2005
Remote Deposit and Mobile Deposit Capture
Remote Deposit was introduced for business customers in 2005, enabling electronic check scanning from a company's location. Mobile Deposit Capture followed in 2014 and allowed customers to submit check images through a mobile application. Together, these services extend deposit processing beyond branch premises and illustrate the bank's emphasis on practical digital tools for both commercial and consumer users.
Overdraft-related banking service · 1968
Reddi Reserve
Reddi Reserve was introduced in 1968 as an account feature giving checking customers access to a line of credit intended to cover overdrafts. It is one of the earliest named service innovations associated with the Nevada State Bank brand. Current availability and terms are not established by the supplied reference material.
ATM and card services · 1983
NSB Money Machine
The NSB Money Machine card was introduced in 1983 alongside the installation of eight Docutel automated teller machines. The initiative expanded customer access to cash and account services outside the bank's branch locations and marked an early step in Nevada State Bank's development of self-service delivery channels.
Marketing campaigns
- 2014Annual Small Business Survey
Nevada
Nevada State Bank began an annual statewide survey examining business trends, opinions, and priorities.
Outcome. The survey became a recurring research and public-engagement initiative focused on Nevada businesses.
- 2010NevadaSmallBusiness.com
Nevada
The bank launched a website focused on Nevada small businesses, reinforcing its positioning as a locally oriented business-banking institution.
Outcome. The initiative provided a dedicated small-business information channel; further performance data is not established by the reference.
- 2006Bank of the Nevada Quarter Launch
Nevada
Nevada State Bank supported the public launch of the Nevada quarter under the United States Mint's 50 State Quarters Program and promoted access to the coin for the general public.
Outcome. The bank became associated with a prominent statewide civic and collecting event.
Brand decisions
2018
Continue under Zions Bancorporation, N.A.M&ABackground
ZB, N.A. merged with its parent, Zions Bancorporation.
Action taken
The surviving bank changed its name to Zions Bancorporation, N.A., with Nevada State Bank continuing as a local division.
Aftermath
Nevada State Bank retained its customer-facing identity within the reorganized parent banking structure.
2015
Move into ZB, N.A. consolidated charterStrategyBackground
Zions Bancorporation consolidated the charters of its affiliated banks.
Action taken
Nevada State Bank became a division of ZB, N.A. on December 31.
Aftermath
The brand continued operating locally while no longer functioning as a separately chartered bank.
2009
Acquire Great Basin Bank operationsM&ABackground
Great Basin Bank of Nevada was resolved through an FDIC-facilitated transaction.
Action taken
Nevada State Bank acquired the bank's banking operations.
Aftermath
The transaction strengthened Nevada State Bank's role in the state's crisis-era consolidation.
2008
Assume Silver State Bank insured depositsM&ABackground
Silver State Bank entered a regulatory resolution during the financial crisis.
Action taken
The FDIC selected Nevada State Bank to assume Silver State Bank's insured deposits.
Aftermath
Nevada State Bank took on a role in maintaining continuity for insured depositors.
1999
Merge with Pioneer Citizens Bank of NevadaM&ABackground
The merger expanded Nevada State Bank's presence in both Northern and Southern Nevada.
Action taken
Nevada State Bank merged with Pioneer Citizens Bank of Nevada and added branches from the acquired institution.
Aftermath
The bank's branch footprint effectively doubled according to its historical account.
1985
Join Zions BancorporationM&ABackground
Nevada State Bank was acquired as part of Zions Bancorporation's expansion of its western banking organization.
Action taken
The bank became an autonomous subsidiary while continuing to use the Nevada State Bank brand.
Aftermath
The transaction gave the Nevada institution access to a larger banking group while preserving local-market operations.
Sources1 sources
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