Zions Bancorp. (ZION) finally faced analysts who were eager to hear management explain why the Salt Lake City company was the only bank to fail both of the government's stress tests.

The company's Tier 1 common capital ratio fell short of a minimum mandated by a March stress test required by the Dodd-Frank Act. The Fed also rejected Zions's capital plan as part of the Comprehensive Capital Analysis Review, or CCAR, on quantitative grounds.

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