{"schema_version":"secwatch.filing_event.v1","accession":"0000109380-24-000092","form_type":"8-K","ticker":"ZION","cik":"0000109380","company_name":"ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/","filed_at":"2024-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:17.256387+00:00","generated_at":"2026-06-03T13:27:56.138731+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Zions Q1 net earnings $143M ($0.96 EPS) vs $198M ($1.33 EPS) YoY; NIM 2.94%","bullets":["Net earnings $143M, diluted EPS $0.96, compared with $198M and $1.33 in 1Q23.","Net interest income $586M (-14% YoY); NIM 2.94% vs 3.33% a year ago.","Provision for credit losses $13M, down from $45M; net charge-offs annualized 0.04%.","Loans and leases $58.1B (+3%); total deposits $74.2B (+7%); CET1 ratio 10.4% vs 9.9%.","Completed core conversion for Amegy Bank and Nevada State Bank to TCS BaNCS platform; rest later summer."],"urls":{"canonical":"https://secwatch.observer/filing/0000109380-24-000092","json":"https://secwatch.observer/filing/0000109380-24-000092.json","markdown":"https://secwatch.observer/filing/0000109380-24-000092.md","text":"https://secwatch.observer/filing/0000109380-24-000092.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/109380/000010938024000092/0000109380-24-000092-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/109380/000010938024000092/zion-20240422.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T13:27:56.138731+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":"074ea421ca6525ac0491b3c39032fbb2742199b6","claim":"ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ reported financial results for the quarter ended March 31, 2024.","evidence_excerpt":"On April 22, 2024, Zions Bancorporation, National Association (“the Bank”) announced its financial results for the quarter ended March 31, 2024","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/109380/000010938024000092/0000109380-24-000092-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2024"},{"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"}