Results from the Federal Reserve’s fourth annual stress test were released today, and while the overall picture has improved dramatically in the last four years, Zions Bancorporation (NASDAQ:ZION) still has a long way to go, faring noticeably worse than the other 29 bank holding companies (BHC) included in this year’s test. Changes to this year’s stress test Starting in 2009 with the passage of the Dodd-Frank Act, the stress tests are something of a work in progress. Every year the conditions change (and hopefully improve) to give the government a better idea of how the financial system will hold up…