{"schema_version":"secwatch.filing_event.v1","accession":"0000109380-22-000166","form_type":"8-K","ticker":"ZION","cik":"0000109380","company_name":"ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/","filed_at":"2022-07-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:54.966011+00:00","generated_at":"2026-06-24T08:34:12.777459+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 Q2 net earnings $195M, EPS $1.29, down 44% YoY; loan growth 10% ex-PPP","bullets":["Net earnings $195M, diluted EPS $1.29, compared with $345M ($2.08) in Q2 2021.","Net interest income $593M, up 7% YoY; net interest margin 2.87% vs 2.79% a year ago.","Loans and leases $52.4B, up 2%; ex-PPP loans up 10% YoY; average non-PPP loans up 12% annualized.","Nonperforming assets $201M (0.4% of loans), down from $308M; net charge-offs annualized 0.07%.","Estimated CET1 ratio 9.9%; common stock repurchases of 0.9M shares for $50M during Q2."],"urls":{"canonical":"https://secwatch.observer/filing/0000109380-22-000166","json":"https://secwatch.observer/filing/0000109380-22-000166.json","markdown":"https://secwatch.observer/filing/0000109380-22-000166.md","text":"https://secwatch.observer/filing/0000109380-22-000166.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/109380/000010938022000166/0000109380-22-000166-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/109380/000010938022000166/zion-20220726.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T08:34:12.777459+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"}