---
schema_version: "secwatch.filing_event.v1"
accession: "0000109380-25-000009"
form_type: "8-K"
ticker: "ZION"
cik: "0000109380"
company_name: "ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/"
filed_at: "2025-01-21T23:59:59+00:00"
generated_at: "2026-05-27T21:52:22.592226+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Zions Q4 2024 EPS $1.34 vs $0.78 YoY; NIM improves to 3.05% but classified loans surge

## Summary
- Q4 net earnings $200M, diluted EPS $1.34, up from $116M / $0.78 in Q4 2023.
- Net interest margin 3.05% versus 2.91% a year ago; net interest income up 8% to $627M.
- Pre-provision net revenue $323M (+102%); adjusted PPNR $312M (+19%).
- Annualized net loan charge-off ratio 0.24% (0.06% a year ago); provision for credit losses $41M vs <$1M.
- Classified loans $2.9B (4.8% of loans) vs $825M (1.4%); nonperforming assets $298M, up 31%.

## SEC filing metadata
- accession: 0000109380-25-000009
- form_type: 8-K
- ticker: ZION
- cik: 0000109380
- company_name: ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
- filed_at: 2025-01-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/109380/000010938025000009/0000109380-25-000009-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/109380/000010938025000009/zion-20250121.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-25-000009
- JSON: https://secwatch.observer/filing/0000109380-25-000009.json
- Plain text: https://secwatch.observer/filing/0000109380-25-000009.txt

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