---
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"
generated_at: "2026-06-27T16:09:36.943695+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Zions Bancorp Q4 net earnings $207M, EPS $1.34; NIM narrows to 2.58% on deposit growth

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-22-000006
- JSON: https://secwatch.observer/filing/0000109380-22-000006.json
- Plain text: https://secwatch.observer/filing/0000109380-22-000006.txt

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