{"schema_version":"secwatch.filing_event.v1","accession":"0000109380-22-000006","form_type":"8-K","ticker":"ZION","cik":"0000109380","company_name":"ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/","filed_at":"2022-01-24T23:59:59+00:00","discovered_at":"2026-05-14T18:04:05.397547+00:00","generated_at":"2026-06-27T16:09:36.943695+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Zions Bancorp Q4 net earnings $207M, EPS $1.34; NIM narrows to 2.58% on deposit growth","bullets":["Net earnings $207M ($1.34 diluted EPS) vs $275M ($1.66) a year ago; full-year 2021 EPS $6.79 vs $3.02.","Net interest margin fell to 2.58% from 2.95% on strong deposit growth; deposits up 19% to $82.8B.","Excluding PPP, loans grew $1.1B (2%) YoY; credit quality strong with net charge-offs 0.01% annualized.","CET1 ratio 10.2%; common share repurchases of $325M (5.0M shares) during Q4."],"urls":{"canonical":"https://secwatch.observer/filing/0000109380-22-000006","json":"https://secwatch.observer/filing/0000109380-22-000006.json","markdown":"https://secwatch.observer/filing/0000109380-22-000006.md","text":"https://secwatch.observer/filing/0000109380-22-000006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/109380/000010938022000006/0000109380-22-000006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/109380/000010938022000006/zion-20220124.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T16:09:36.943695+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"}