{"schema_version":"secwatch.filing_event.v1","accession":"0000109380-22-000134","form_type":"8-K","ticker":"ZION","cik":"0000109380","company_name":"ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/","filed_at":"2022-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:59.718580+00:00","generated_at":"2026-06-26T04:57:34.312840+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 Q1 net earnings $195M, EPS $1.27 vs $1.90 YoY; NIM 2.60%; loans ex-PPP up 7%","bullets":["Net earnings $195M ($1.27 diluted EPS) vs $314M ($1.90) in Q1 2021 and $207M ($1.34) in Q4 2021.","Net interest margin 2.60%, down 26bp YoY due to significant deposit growth and asset composition change.","Loans and leases $51.2B, down 4% overall but ex-PPP up 7% to $50.2B; allowance for credit losses at 1.02% ex-PPP.","CET1 ratio 10.0% vs 11.2% prior year; repurchased 0.8M shares for $50M.","Nonperforming assets $250M (0.5% of loans ex-PPP) vs $327M (0.7%); provision negative $33M."],"urls":{"canonical":"https://secwatch.observer/filing/0000109380-22-000134","json":"https://secwatch.observer/filing/0000109380-22-000134.json","markdown":"https://secwatch.observer/filing/0000109380-22-000134.md","text":"https://secwatch.observer/filing/0000109380-22-000134.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/109380/000010938022000134/0000109380-22-000134-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/109380/000010938022000134/zion-20220425.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T04:57:34.312840+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"}