{"schema_version":"secwatch.filing_event.v1","accession":"0000109380-23-000170","form_type":"8-K","ticker":"ZION","cik":"0000109380","company_name":"ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/","filed_at":"2023-10-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.198677+00:00","generated_at":"2026-06-09T21:39:41.143915+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 Q3 net earnings $168M, EPS $1.13, down 20% YoY; NIM stabilizes","bullets":["Net earnings of $168M ($1.13 diluted EPS) vs $211M ($1.40) in Q3'22, down 20%.","Net interest margin 2.93%, up 1bp from Q2'23, down from 3.24% a year ago.","Loans and leases $56.9B (+6% YoY); deposits $75.4B (-1% YoY); customer deposits +5% QoQ.","Provision for credit losses $41M, down from $71M; net charge-offs annualized 0.10%.","Estimated CET1 ratio 10.2%, up from 9.6% a year ago; PPNR $280M, down 22%."],"urls":{"canonical":"https://secwatch.observer/filing/0000109380-23-000170","json":"https://secwatch.observer/filing/0000109380-23-000170.json","markdown":"https://secwatch.observer/filing/0000109380-23-000170.md","text":"https://secwatch.observer/filing/0000109380-23-000170.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/109380/000010938023000170/0000109380-23-000170-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/109380/000010938023000170/zion-20231018.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T21:39:41.143915+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":"4b421c89ca1c7be00564cb4aeb2dd4520f4f51c1","claim":"ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ reported financial results for the quarter ended September 30, 2023.","evidence_excerpt":"On October 18, 2023, Zions Bancorporation, National Association (“the Bank”) announced its financial results for the quarter ended September 30, 2023 and its intent to host a conference call to discuss such results at 5:30 p.m. Eastern Time on October 18, 2023. The press release announcing the financial results for the quarter ended September 30, 2023 is furnished as Exhibit 99.1 and incorporated herein by reference.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/109380/000010938023000170/0000109380-23-000170-index.htm","confidence":0.7,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended September 30, 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"}