---
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"
generated_at: "2026-06-03T13:27:56.138731+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Zions Q1 net earnings $143M ($0.96 EPS) vs $198M ($1.33 EPS) YoY; NIM 2.94%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-24-000092
- JSON: https://secwatch.observer/filing/0000109380-24-000092.json
- Plain text: https://secwatch.observer/filing/0000109380-24-000092.txt

## Key facts
- Earnings Releases
  ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ reported financial results for the quarter ended March 31, 2024.
  - Period: the quarter ended March 31, 2024
  - Result: reported results
  source text: On April 22, 2024, Zions Bancorporation, National Association (“the Bank”) announced its financial results for the quarter ended March 31, 2024
  evidence_url: https://www.sec.gov/Archives/edgar/data/109380/000010938024000092/0000109380-24-000092-index.htm

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