Zions Bancorporation (NASDAQ:ZION) was the only bank to fail the recent bank stress tests administered by the Federal Reserve. It was also the smallest bank. Should small bank even be subjected to the process?

In this segment of The Motley Fool's financials-focused show, Where the Money Is, banking analysts David Hanson and Matt Koppenheffer debate the effectiveness of the tests and why it's a good idea to include Zions and company.

This article represents the opinion of the writer, who may disagree with the “official” recommendation position of a Motley Fool premium advisory service. We’re motley! Questioning an investing thesis -- even one of our own -- helps us all think critically about investing and make decisions that help us become smarter, happier, and richer.