---
schema_version: "secwatch.filing_event.v1"
accession: "0000109380-25-000094"
form_type: "8-K"
ticker: "ZION"
cik: "0000109380"
company_name: "ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/"
filed_at: "2025-07-21T23:59:59+00:00"
generated_at: "2026-05-18T04:56:29.300873+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Zions Q2 2025 EPS $1.63 vs $1.28 a year ago; NIM expands to 3.17%

## Summary
- Net earnings $243M ($1.63 diluted EPS) up 28% YoY vs $190M ($1.28).
- Net interest margin 3.17% vs 2.98% a year ago; net interest income $648M +9%.
- Pre-provision net revenue $324M +17%; adjusted PPNR $316M +14% YoY.
- Loans and leases $60.8B +4% YoY; deposits flat at $73.8B; CET1 ratio 11.0%.
- Net charge-offs only 0.07% annualized; provision for credit losses -$1M.

## SEC filing metadata
- accession: 0000109380-25-000094
- form_type: 8-K
- ticker: ZION
- cik: 0000109380
- company_name: ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
- filed_at: 2025-07-21T23:59:59+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/109380/000010938025000094/0000109380-25-000094-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/109380/000010938025000094/zion-20250721.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-25-000094
- JSON: https://secwatch.observer/filing/0000109380-25-000094.json
- Plain text: https://secwatch.observer/filing/0000109380-25-000094.txt

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