{"schema_version":"secwatch.filing_event.v1","accession":"0000109380-22-000181","form_type":"8-K","ticker":"ZION","cik":"0000109380","company_name":"ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/","filed_at":"2022-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:49.587403+00:00","generated_at":"2026-06-23T01:33:46.218069+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Zions reports 3Q22 EPS $1.40, NIM expands to 3.24%, loans up 13% ex-PPP","bullets":["Net earnings $211M, diluted EPS $1.40 vs $1.45 a year ago and $1.29 in 2Q22.","Net interest income $663M (+19% YoY); net interest margin 3.24% vs 2.68% a year ago.","Loans and leases ex-PPP $53.6B (+13% YoY); provision for credit losses $71M vs negative $46M.","Adjusted PPNR $351M (+21% YoY); efficiency ratio improved to 57.6% from 59.8%.","CET1 ratio 9.6% (down from 10.9%); repurchased 0.9M shares for $50M in the quarter."],"urls":{"canonical":"https://secwatch.observer/filing/0000109380-22-000181","json":"https://secwatch.observer/filing/0000109380-22-000181.json","markdown":"https://secwatch.observer/filing/0000109380-22-000181.md","text":"https://secwatch.observer/filing/0000109380-22-000181.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/109380/000010938022000181/0000109380-22-000181-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/109380/000010938022000181/zion-20221024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T01:33:46.218069+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"}