{"schema_version":"secwatch.filing_event.v1","accession":"0000109380-23-000007","form_type":"8-K","ticker":"ZION","cik":"0000109380","company_name":"ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/","filed_at":"2023-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:43.844510+00:00","generated_at":"2026-06-20T11:30:05.927811+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Zions Bancorp Q4 net earnings $277M, EPS $1.84 vs $1.34 a year ago; NIM expands to 3.53%","bullets":["Net earnings of $277M, diluted EPS $1.84, up from $207M and $1.34 in Q4 2021.","Net interest margin rose to 3.53% from 2.58%; net interest income up 30% to $720M.","Loans and leases $55.7B (+9% YoY); deposits $71.7B (-13%); loan-to-deposit ratio 78%.","Pre-provision net revenue $412M (+36%); adjusted PPNR $420M (+46%).","Estimated CET1 ratio 9.7% (vs 10.2%); nonperforming assets 0.3% of loans (improved from 0.5%)."],"urls":{"canonical":"https://secwatch.observer/filing/0000109380-23-000007","json":"https://secwatch.observer/filing/0000109380-23-000007.json","markdown":"https://secwatch.observer/filing/0000109380-23-000007.md","text":"https://secwatch.observer/filing/0000109380-23-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/109380/000010938023000007/0000109380-23-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/109380/000010938023000007/zion-20230123.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T11:30:05.927811+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":[{"claim_id":"92726888d43a4e787cb58a767e398d87e32b6369","claim":"ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ reported the quarter ended December 31, 2022 results: net income $277 million, EPS $1.84.","evidence_excerpt":"Zions Bancorporation, N.A. reports: 4Q22 Net Earnings of $277 million, diluted EPS of $1.84","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/109380/000010938023000007/0000109380-23-000007-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2022"},{"label":"Net income","value":"$277 million"},{"label":"EPS","value":"$1.84"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}