ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/

Listed Company

ZIONCIK 0000109380NasdaqLarge AcceleratedNational Commercial BanksUtahFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$899.00M

Total Assets

$88.99B

Equity

$7.18B

Shares Out

147.09M

Op. Cash Flow

$1.07B

+ 13F Filer

ZION$72.23+28.06% · past yearDBEQ Basic

Daily closing prices

Business

Zions Bancorporation, National Association is a national bank providing commercial and consumer lending, deposit-taking, capital markets, investment banking, and wealth management services. The company operates through seven geographically defined affiliate banks—Zions Bank, California Bank & Trust, Amegy Bank, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington—each with local brand identity. Distribution includes 407 branches and digital platforms across 11 Western states.

Summary from 10-K filed 2026-02-24

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Interest and fees on loans	3,501	3,514	3,196	2,112	1,935
Interest on money market investments	186	230	188	81	21
Interest on securities	497	549	563	512	311
Total interest income	4,184	4,293	3,947	2,705	2,267
Interest on deposits	1,250	1,540	1,063	70	30
Interest on short- and long-term borrowings	307	323	446	115	—
Total interest expense	1,557	1,863	1,509	185	—
Net interest income	2,627	2,430	2,438	2,520	2,208
Provision for loan and lease losses	71	72	148	101	−258
Provision for unfunded lending commitments	1	0	−16	21	−18
Total provision for credit losses	72	72	132	122	−276
Net interest income after provision for credit losses	2,555	2,358	2,306	2,398	2,484
Commercial account fees	185	182	174	159	137
Card fees	95	96	101	104	95
Retail and business banking fees	75	67	66	73	74
Loan-related fees and income	75	70	79	80	95
Capital markets fees and income	116	110	77	—	—
Wealth management fees	57	58	58	55	50
Other customer-related fees	59	56	61	60	54
Customer-related noninterest income	662	639	616	614	575
Dividends and other income	44	42	57	17	—
Securities gains (losses), net	52	19	4	−15	71
Total noninterest income	758	700	677	632	703
Salaries and employee benefits	1,350	1,287	1,275	1,235	1,127
Technology, telecom, and information processing	276	260	240	209	199
Occupancy and equipment, net	166	161	160	152	153
Professional and legal services	61	64	62	57	72
Marketing and business development	64	45	46	39	43
Deposit insurance and regulatory expense	64	91	169	50	34
Credit-related expense	25	25	26	30	26
Other real estate expense, net	−2	−1	0	1	0
Other	134	114	119	105	87
Total noninterest expense	2,138	2,046	2,097	1,878	1,741
Income before income taxes	1,175	1,012	886	1,152	1,446
Income taxes	276	228	206	245	317
Net income	899	784	680	907	1,129
Preferred stock dividends	−4	−41	−32	−29	−29
Preferred stock redemption	0	−6	0	0	—
Net earnings applicable to common shareholders	895	737	648	878	1,100
Basic shares (in shares)	147	147	148	150	160
Diluted shares (in shares)	147	147	148	150	160
Basic (in dollars per share)	6.01	4.95	4.35	5.8	6.8
Diluted (in dollars per share)	6.01	4.95	4.35	5.79	6.79

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks	683	651	716	657	595
Interest-bearing deposits	2,202	2,850	1,488	1,340	10,283
Federal funds sold and securities purchased under agreements to resell	1,420	1,453	937	2,426	2,133
Trading securities, at fair value	64	35	48	465	372
Available-for-sale, at fair value	9,207	9,095	10,300	11,915	24,048
Held-to-maturity, at amortized cost (fair value $8,940 and $9,382)	8,867	9,669	10,382	11,126	441
Total investment securities	18,074	18,764	20,682	—	—
Loans held for sale (includes $71 and $25 of loans carried at fair value)	201	74	53	8	83
Loans and leases, net of unearned income and fees	60,917	59,410	57,779	55,653	50,851
Allowance for loan and lease losses	678	696	684	572	513
Loans held for investment, net of allowance	60,239	58,714	57,095	55,078	50,338
Other noninterest-bearing investments	1,076	1,020	950	1,130	851
Premises, equipment, and software, net	1,363	1,366	1,400	1,408	1,319
Goodwill and intangibles	1,091	1,052	1,059	1,065	1,015
Other real estate owned	5	1	6	3	8
Other assets	2,572	2,795	2,769	2,924	1,714
Total assets	88,990	88,775	87,203	89,545	93,200
Noninterest-bearing demand	25,823	24,704	26,244	35,777	41,053
Savings and money market	39,914	40,037	38,721	33,566	40,114
Time	9,907	11,482	9,996	2,309	1,622
Total deposits	75,644	76,223	74,961	71,652	82,789
Federal funds and other short-term borrowings	3,104	3,832	4,379	10,417	903
Long-term debt	1,472	950	542	—	—
Reserve for unfunded lending commitments	46	45	45	61	40
Other liabilities	1,544	1,601	1,585	1,871	993
Total liabilities	81,810	82,651	81,512	84,652	85,737
Preferred stock, without par value; authorized 4,400 shares	66	66	440	440	440
Common stock ($0.001 par value; authorized 350,000 shares; issued and outstanding 147,653 and 147,871 shares) and additional paid-in capital	1,726	1,737	1,731	—	—
Retained earnings	7,329	6,701	6,212	5,811	5,175
Accumulated other comprehensive income (loss)	−1,941	−2,380	−2,692	−3,112	−80
Total shareholders equity	7,180	6,124	5,691	4,893	7,463
Total liabilities and shareholders equity	88,990	88,775	87,203	89,545	93,200

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation and amortization	116	124	140	110	−14
Share-based compensation	35	33	33	30	28
Deferred income tax expense (benefit)	47	−7	−9	−43	32
Net decrease (increase) in trading securities	−29	13	22	−93	−107
Net decrease (increase) in loans held for sale	27	67	−40	48	14
Change in other liabilities	−90	3	−299	892	13
Change in other assets	66	94	169	−457	−78
Other, net	−70	−35	57	−46	−112
Net cash provided by operating activities	1,073	1,148	885	1,470	629
Net decrease (increase) in money market investments	681	−1,878	1,736	8,650	−5,577
Proceeds from maturities and paydowns of investment securities held-to-maturity	1,034	1,024	1,052	445	457
Purchases of investment securities held-to-maturity	0	−62	−41	−399	−262
Proceeds from sales, maturities, and paydowns of investment securities available-for-sale	1,586	2,028	2,337	3,309	4,748
Purchases of investment securities available-for-sale	−1,372	−907	−666	−5,829	−13,647
Net change in loans and leases	−1,255	−1,714	−2,103	−4,628	2,814
Purchases and sales of other noninterest-bearing investments	13	−46	183	−298	63
Purchases of premises and equipment	−121	−97	−113	−190	−206
Acquisition of California branches, net of cash acquired	191	0	0	318	0
Other, net	−19	12	−15	27	31
Net cash provided by (used in) investing activities	738	−1,640	2,370	1,405	−11,579
Net increase (decrease) in deposits	−1,236	1,262	3,309	−11,567	13,136
Net change in short-term funds borrowed	−728	−547	−6,038	9,514	−669
Cash paid for preferred stock redemption	0	−374	0	0	−126
Proceeds from the issuance of long-term debt	498	496	0	0	0
Redemption of long-term debt	0	−88	−128	−290	−286
Proceeds from the issuance of common stock	6	10	3	9	21
Dividends paid on common and preferred stock	−267	−289	−282	−269	−261
Bank common stock repurchased	−41	−36	−51	−202	−800
Other, net	−11	−7	−9	−8	−13
Net cash provided by (used in) financing activities	−1,779	427	−3,196	−2,813	11,002
Net increase (decrease) in cash and due from banks	32	−65	59	62	52
Cash paid for interest	1,567	1,905	1,368	160	81
Net cash paid for income taxes	196	192	255	21	442
Loans held for investment reclassified to loans held for sale, net	222	223	68	114	120
Trading securities reclassified to money market investments	0	0	395	0	0
Deposits acquired in purchase of California branches (at time of purchase)	657	0	0	430	0
Loans acquired in purchase of California branches, net (at time of purchase)	423	0	0	95	0

Filings

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Holdings (13F)

Portfolio as of 2026-03-31 · 1,550 positions

Reported AUM

$3.71B

Holdings

1.6K

Top sector

$3.71B

Top sectors

Sector	Value	% of portfolio
Uncategorized	$3.71B	100.0%

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Frequently asked questions

What is ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/'s CIK number?

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/'s SEC CIK number is 0000109380 (109380). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/'s SEC filings?

All of ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ last report earnings?

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) most recently filed an earnings 8-K with the SEC on Apr 20, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0000109380-26-000063). This is ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/'s most recent earnings filing of record — not a forecast of its next earnings date.

What is ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/'s most recent earnings 8-K?

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/'s latest earnings 8-K (Item 2.02) was filed Apr 20, 2026 under accession 0000109380-26-000063. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

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