---
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"
generated_at: "2026-06-09T21:39:41.143915+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Zions Q3 net earnings $168M, EPS $1.13, down 20% YoY; NIM stabilizes

## Summary
- 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%.

## SEC filing metadata
- 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
- 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/109380/000010938023000170/0000109380-23-000170-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/109380/000010938023000170/zion-20231018.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-23-000170
- JSON: https://secwatch.observer/filing/0000109380-23-000170.json
- Plain text: https://secwatch.observer/filing/0000109380-23-000170.txt

## Key facts
- Earnings Releases
  ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ reported financial results for the quarter ended September 30, 2023.
  - Period: the quarter ended September 30, 2023
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/109380/000010938023000170/0000109380-23-000170-index.htm

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