---
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"
generated_at: "2026-06-06T20:28:31.552309+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Zions Bancorp Q4 net earnings $116M, EPS $0.78 down 58% YoY; NIM stable at 2.91%

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-24-000009
- JSON: https://secwatch.observer/filing/0000109380-24-000009.json
- Plain text: https://secwatch.observer/filing/0000109380-24-000009.txt

## Key facts
- Earnings Releases
  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.
  - Period: the quarter ended December 31, 2023
  - Net income: Net Earnings of $116 million
  - EPS: diluted EPS of $0.78
  - Result: reported results
  source text: Zions Bancorporation, N.A. reports: 4Q23 Net Earnings of $116 million, diluted EPS of $0.78
  evidence_url: https://www.sec.gov/Archives/edgar/data/109380/000010938024000009/0000109380-24-000009-index.htm

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