---
schema_version: "secwatch.filing_event.v1"
accession: "0000109380-22-000131"
form_type: "8-K"
ticker: "ZION"
cik: "0000109380"
company_name: "ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/"
filed_at: "2022-04-01T23:59:59+00:00"
generated_at: "2026-06-26T10:14:37.617574+00:00"
event_type: "other"
sentiment: "neutral"
materiality_score: 0.2
calibrated_materiality_score: 0.2
confidence: "high"
source: SEC EDGAR
---

# Zions Bancorp revises noninterest expense presentation; net income unchanged

## Summary
- New "Technology, telecom, and information processing" line includes hardware depreciation, software amortization, data processing.
- Combined "Occupancy and equipment, net" replaces separate occupancy and furniture lines.
- "Marketing and business development" replaces "Advertising" and adds donations, public relations.
- "Deposit insurance and regulatory expense" replaces "FDIC premiums" and adds other regulatory costs.
- Changes applied retrospectively from Jan 1, 2020; no impact on net income, net interest income, or noninterest income.

## SEC filing metadata
- accession: 0000109380-22-000131
- form_type: 8-K
- ticker: ZION
- cik: 0000109380
- company_name: ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
- filed_at: 2022-04-01T23:59:59+00:00
- event_type: other
- sentiment: neutral
- materiality_score: 0.2
- calibrated_materiality_score: 0.2
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/109380/000010938022000131/0000109380-22-000131-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/109380/000010938022000131/zions-20220401.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-22-000131
- JSON: https://secwatch.observer/filing/0000109380-22-000131.json
- Plain text: https://secwatch.observer/filing/0000109380-22-000131.txt

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