{"schema_version":"secwatch.filing_event.v1","accession":"0000109380-24-000009","form_type":"8-K","ticker":"ZION","cik":"0000109380","company_name":"ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/","filed_at":"2024-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:23.345647+00:00","generated_at":"2026-06-06T20:28:31.552309+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Zions Bancorp Q4 net earnings $116M, EPS $0.78 down 58% YoY; NIM stable at 2.91%","bullets":["Diluted EPS of $0.78 vs $1.84 in 4Q22 and $1.13 in 3Q23; net earnings $116M.","Net interest margin 2.91% vs 3.53% YoY, flat vs 3Q23; net interest income down 19% to $583M.","Noninterest expense up 23% to $581M, including $90M FDIC special assessment accrual.","Loans and leases $57.8B (+4% YoY); deposits $75.0B (+5%); estimated CET1 ratio 10.3% vs 9.8%.","Annualized net charge-offs 0.06%; nonperforming assets rose to $228M (0.39% of loans)."],"urls":{"canonical":"https://secwatch.observer/filing/0000109380-24-000009","json":"https://secwatch.observer/filing/0000109380-24-000009.json","markdown":"https://secwatch.observer/filing/0000109380-24-000009.md","text":"https://secwatch.observer/filing/0000109380-24-000009.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/109380/000010938024000009/0000109380-24-000009-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/109380/000010938024000009/zion-20240122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T20:28:31.552309+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":"de789538a6d56a1b0284bed31cc765dcbe7768fa","claim":"ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ reported the quarter ended December 31, 2023 results: net income Net Earnings of $116 million, EPS diluted EPS of $0.78.","evidence_excerpt":"Zions Bancorporation, N.A. reports: 4Q23 Net Earnings of $116 million, diluted EPS of $0.78","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/109380/000010938024000009/0000109380-24-000009-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2023"},{"label":"Net income","value":"Net Earnings of $116 million"},{"label":"EPS","value":"diluted EPS of $0.78"},{"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"}