---
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"
generated_at: "2026-06-20T11:30:05.927811+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Zions Bancorp Q4 net earnings $277M, EPS $1.84 vs $1.34 a year ago; NIM expands to 3.53%

## Summary
- 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%).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-23-000007
- JSON: https://secwatch.observer/filing/0000109380-23-000007.json
- Plain text: https://secwatch.observer/filing/0000109380-23-000007.txt

## Key facts
- Earnings Releases
  ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ reported the quarter ended December 31, 2022 results: net income $277 million, EPS $1.84.
  - Period: the quarter ended December 31, 2022
  - Net income: $277 million
  - EPS: $1.84
  - Result: reported results
  source text: Zions Bancorporation, N.A. reports: 4Q22 Net Earnings of $277 million, diluted EPS of $1.84
  evidence_url: https://www.sec.gov/Archives/edgar/data/109380/000010938023000007/0000109380-23-000007-index.htm

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