---
schema_version: "secwatch.filing_event.v1"
accession: "0000109380-24-000119"
form_type: "8-K"
ticker: "ZION"
cik: "0000109380"
company_name: "ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/"
filed_at: "2024-07-22T23:59:59+00:00"
generated_at: "2026-05-31T18:26:39.264264+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Zions Bancorp Q2 net earnings $190M, diluted EPS $1.28; NIM expands to 2.98%

## Summary
- Net earnings $190M ($1.28 diluted EPS) vs $166M ($1.11) in Q2 2023; revenue/net interest income $597M, up 1%.
- Net interest margin 2.98%, up from 2.92% a year ago; estimated CET1 ratio improved to 10.6% from 10.0%.
- Loans and leases $58.4B, up 3%; provision for credit losses only $5M (vs $46M); net charge-offs annualized 0.10%.
- Nonperforming assets rose to $265M (0.45% of loans) from $164M (0.29%); customer deposits $69.5B, up 5%.
- Completed FutureCore core processing system conversion; tangible book value per share up 20% YoY.

## SEC filing metadata
- accession: 0000109380-24-000119
- form_type: 8-K
- ticker: ZION
- cik: 0000109380
- company_name: ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
- filed_at: 2024-07-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/109380/000010938024000119/0000109380-24-000119-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/109380/000010938024000119/zion-20240722.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-24-000119
- JSON: https://secwatch.observer/filing/0000109380-24-000119.json
- Plain text: https://secwatch.observer/filing/0000109380-24-000119.txt

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