---
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"
generated_at: "2026-06-26T04:57:34.312840+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Zions Q1 net earnings $195M, EPS $1.27 vs $1.90 YoY; NIM 2.60%; loans ex-PPP up 7%

## Summary
- 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.

## SEC filing metadata
- 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
- 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/109380/000010938022000134/0000109380-22-000134-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/109380/000010938022000134/zion-20220425.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-22-000134
- JSON: https://secwatch.observer/filing/0000109380-22-000134.json
- Plain text: https://secwatch.observer/filing/0000109380-22-000134.txt

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