---
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"
generated_at: "2026-06-13T06:13:25.575276+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Zions Bancorp Q2 EPS $1.11, down 14% YoY; NIM 2.92%, CET1 10.0%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-23-000151
- JSON: https://secwatch.observer/filing/0000109380-23-000151.json
- Plain text: https://secwatch.observer/filing/0000109380-23-000151.txt

## Key facts
- Earnings Releases
  ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ reported the quarter ended June 30, 2023 results: net income $166 million, EPS $1.11.
  - Period: the quarter ended June 30, 2023
  - Net income: $166 million
  - EPS: $1.11
  - Result: reported results
  source text: Zions Bancorporation, N.A. reports: 2Q23 Net Earnings of $166 million, diluted EPS of $1.11
  evidence_url: https://www.sec.gov/Archives/edgar/data/109380/000010938023000151/0000109380-23-000151-index.htm

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