{"schema_version":"secwatch.filing_event.v1","accession":"0000109380-23-000107","form_type":"8-K","ticker":"ZION","cik":"0000109380","company_name":"ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/","filed_at":"2023-04-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:37.921950+00:00","generated_at":"2026-06-16T23:20:12.666201+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Zions Bancorp Q1 EPS $1.33, net earnings $198M; deposits decline 16% YoY, NIM 3.33%","bullets":["Net earnings $198M, diluted EPS $1.33, vs $1.27 in Q1 2022 and $1.84 in Q4 2022.","Net interest margin 3.33%, up from 2.60% YoY; net interest income $679M, up 25%.","Deposits $69.2B, down 16% YoY; loan-to-deposit ratio 81% vs 62%. Borrowed funds $12.1B vs $0.6B.","Allowance for credit losses 1.20% of loans vs 1.00%; no net charge-offs in Q1.","CEO expects ~4% reduction in near-term quarterly revenue run-rate due to funding mix; CET1 ratio 9.9%."],"urls":{"canonical":"https://secwatch.observer/filing/0000109380-23-000107","json":"https://secwatch.observer/filing/0000109380-23-000107.json","markdown":"https://secwatch.observer/filing/0000109380-23-000107.md","text":"https://secwatch.observer/filing/0000109380-23-000107.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/109380/000010938023000107/0000109380-23-000107-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/109380/000010938023000107/zion-20230419.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T23:20:12.666201+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":"86a8d04be07e94d6a61adea23acc52bb6884a0c2","claim":"ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ reported financial results for quarter ended March 31, 2023.","evidence_excerpt":"On April 19, 2023, Zions Bancorporation, National Association (“the Bank”) announced its financial results for the quarter ended March 31, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/109380/000010938023000107/0000109380-23-000107-index.htm","confidence":0.99,"family_label":"Earnings Releases","details":[{"label":"Period","value":"quarter ended March 31, 2023"},{"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"}