{"schema_version":"secwatch.filing_event.v1","accession":"0000109380-21-000229","form_type":"8-K","ticker":"ZION","cik":"0000109380","company_name":"ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/","filed_at":"2021-10-18T23:59:59+00:00","discovered_at":"2026-05-14T18:04:11.462934+00:00","generated_at":"2026-06-28T20:12:21.278772+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Zions Q3 net earnings $234M, diluted EPS $1.45; loan growth ex-PPP annualized 5.6%","bullets":["Net earnings $234M ($1.45 diluted EPS) vs. $167M ($1.01) in Q3 2020, but down from $345M ($2.08) in Q2 2021.","Net interest margin 2.68% vs. 3.06% a year ago; net interest income stable at $555M.","Provision for credit losses negative $46M (release) vs. positive $55M; allowance 1.1% of loans (ex-PPP) vs. 1.9%.","CET1 ratio 10.9%; common stock repurchases $325M (3.6% of shares outstanding).","Loans/leases (ex-PPP) down 1% YoY but grew 5.6% annualized in Q3; deposits up 16% to $77.9B."],"urls":{"canonical":"https://secwatch.observer/filing/0000109380-21-000229","json":"https://secwatch.observer/filing/0000109380-21-000229.json","markdown":"https://secwatch.observer/filing/0000109380-21-000229.md","text":"https://secwatch.observer/filing/0000109380-21-000229.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/109380/000010938021000229/0000109380-21-000229-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/109380/000010938021000229/zion-20211018.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T20:12:21.278772+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}