secwatch.observer — SEC 8-K summary
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Issuer:     ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION)
CIK:        0000109380
Form:       8-K
Filed at:   2025-07-21T23:59:59+00:00
Accession:  0000109380-25-000094
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/109380/000010938025000094/0000109380-25-000094-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/109380/000010938025000094/zion-20250721.htm
  HTML page:      https://secwatch.observer/filing/0000109380-25-000094

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer