---
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"
generated_at: "2026-06-24T08:34:12.777459+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Zions Bancorp Q2 net earnings $195M, EPS $1.29, down 44% YoY; loan growth 10% ex-PPP

## Summary
- 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.

## SEC filing metadata
- 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
- 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/109380/000010938022000166/0000109380-22-000166-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/109380/000010938022000166/zion-20220726.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-22-000166
- JSON: https://secwatch.observer/filing/0000109380-22-000166.json
- Plain text: https://secwatch.observer/filing/0000109380-22-000166.txt

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