---
schema_version: "secwatch.filing_event.v1"
accession: "0000109380-25-000060"
form_type: "8-K"
ticker: "ZION"
cik: "0000109380"
company_name: "ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/"
filed_at: "2025-04-21T23:59:59+00:00"
generated_at: "2026-05-23T09:57:36.826305+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Zions Q1 net income up 18% YoY to $169M, NIM expands 16bps

## Summary
- Net earnings $169M, diluted EPS $1.13 vs $143M/$0.96 in Q1 2024.
- Net interest margin 3.10% (+16bps YoY); net interest income $624M (+6%).
- Adjusted PPNR $267M, up 10% YoY; noninterest expense $538M, up 2%.
- Classified loans jumped to $2.9B (4.8% of loans) from $966M (1.7%) a year ago.
- Completed branch acquisition from FirstBank adding ~$630M deposits; $16M tax charge from state law change.

## SEC filing metadata
- accession: 0000109380-25-000060
- form_type: 8-K
- ticker: ZION
- cik: 0000109380
- company_name: ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
- filed_at: 2025-04-21T23:59:59+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/109380/000010938025000060/0000109380-25-000060-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/109380/000010938025000060/zion-20250421.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-25-000060
- JSON: https://secwatch.observer/filing/0000109380-25-000060.json
- Plain text: https://secwatch.observer/filing/0000109380-25-000060.txt

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