---
schema_version: "secwatch.filing_event.v1"
accession: "0000109380-24-000131"
form_type: "8-K"
ticker: "ZION"
cik: "0000109380"
company_name: "ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/"
filed_at: "2024-10-21T23:59:59+00:00"
generated_at: "2026-05-30T12:15:30.781969+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Zions Q3 EPS $1.37 up 21% YoY; NIM 3.03%; classified loans rise 66%; to buy 4 branches

## Summary
- Net earnings $204M, diluted EPS $1.37, up from $168M ($1.13) a year ago.
- Net interest margin improved to 3.03% from 2.93%; net interest income $620M up 6%.
- Agreed to purchase four FirstBank branches in Coachella Valley with ~$730M deposits and $420M loans.
- Classified loans surged 66% QoQ to $2.1B (3.55% of loans); net charge-offs remained low at 0.02%.
- Estimated CET1 ratio improved to 10.7% from 10.2%; tangible common equity grew 28% YoY.

## SEC filing metadata
- accession: 0000109380-24-000131
- form_type: 8-K
- ticker: ZION
- cik: 0000109380
- company_name: ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
- filed_at: 2024-10-21T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- 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/109380/000010938024000131/0000109380-24-000131-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/109380/000010938024000131/zion-20241021.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-24-000131
- JSON: https://secwatch.observer/filing/0000109380-24-000131.json
- Plain text: https://secwatch.observer/filing/0000109380-24-000131.txt

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