---
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"
generated_at: "2026-06-23T01:33:46.218069+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Zions reports 3Q22 EPS $1.40, NIM expands to 3.24%, loans up 13% ex-PPP

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-22-000181
- JSON: https://secwatch.observer/filing/0000109380-22-000181.json
- Plain text: https://secwatch.observer/filing/0000109380-22-000181.txt

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