---
schema_version: "secwatch.filing_event.v1"
accession: "0000109380-21-000216"
form_type: "8-K"
ticker: "ZION"
cik: "0000109380"
company_name: "ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/"
filed_at: "2021-07-19T23:59:59+00:00"
generated_at: "2026-06-30T04:22:54.639201+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Zions Q2 net earnings $345M, diluted EPS $2.08 vs $0.34 YoY; credit release of $123M

## Summary
- Net earnings $345M ($2.08 diluted EPS) vs $57M ($0.34) in Q2 2020; PPNR up 32%.
- Provision for credit losses negative $123M (release) vs positive $168M YoY; allowance 1.2% of loans ex-PPP.
- CET1 capital ratio 11.3% vs 10.2% at pandemic start; preferred stock redemption of $126M.
- Loans and leases $51.4B, down 7% (ex-PPP down 3%); deposits up 16% to $76.1B.
- SBIC investment in Recursion Pharma contributed $54M net unrealized gain ($0.25 per share).

## SEC filing metadata
- accession: 0000109380-21-000216
- form_type: 8-K
- ticker: ZION
- cik: 0000109380
- company_name: ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
- filed_at: 2021-07-19T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/109380/000010938021000216/0000109380-21-000216-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/109380/000010938021000216/zion-20210719.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-21-000216
- JSON: https://secwatch.observer/filing/0000109380-21-000216.json
- Plain text: https://secwatch.observer/filing/0000109380-21-000216.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.