{"schema_version":"secwatch.filing_event.v1","accession":"0000109380-23-000151","form_type":"8-K","ticker":"ZION","cik":"0000109380","company_name":"ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/","filed_at":"2023-07-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:33.125865+00:00","generated_at":"2026-06-13T06:13:25.575276+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Zions Bancorp Q2 EPS $1.11, down 14% YoY; NIM 2.92%, CET1 10.0%","bullets":["Net earnings $166M vs $195M in Q2 2022; diluted EPS $1.11.","Net interest margin 2.92% vs 2.87% prior quarter; net interest income stable at $591M.","Customer deposits rose 3% QoQ to $65.9B; total deposits down 6% YoY to $74.3B.","Adjusted PPNR $296M, down 1% YoY; noninterest expense up 9%, partly due to severance and FDIC costs.","Provision for credit losses $46M; net charge-offs annualized 0.09% of loans."],"urls":{"canonical":"https://secwatch.observer/filing/0000109380-23-000151","json":"https://secwatch.observer/filing/0000109380-23-000151.json","markdown":"https://secwatch.observer/filing/0000109380-23-000151.md","text":"https://secwatch.observer/filing/0000109380-23-000151.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/109380/000010938023000151/0000109380-23-000151-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/109380/000010938023000151/zion-20230719.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T06:13:25.575276+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":"7f77dab5e483dc36c0d5b7f19dacf490b84f3c68","claim":"ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ reported the quarter ended June 30, 2023 results: net income $166 million, EPS $1.11.","evidence_excerpt":"Zions Bancorporation, N.A. reports: 2Q23 Net Earnings of $166 million, diluted EPS of $1.11","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/109380/000010938023000151/0000109380-23-000151-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended June 30, 2023"},{"label":"Net income","value":"$166 million"},{"label":"EPS","value":"$1.11"},{"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"}