---
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"
generated_at: "2026-06-28T20:12:21.278772+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Zions Q3 net earnings $234M, diluted EPS $1.45; loan growth ex-PPP annualized 5.6%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-21-000229
- JSON: https://secwatch.observer/filing/0000109380-21-000229.json
- Plain text: https://secwatch.observer/filing/0000109380-21-000229.txt

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