---
schema_version: "secwatch.filing_event.v1"
accession: "0000109380-25-000118"
form_type: "8-K"
ticker: "ZION"
cik: "0000109380"
company_name: "ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/"
filed_at: "2025-10-15T23:59:59+00:00"
generated_at: "2026-05-17T03:40:51.575358+00:00"
event_type: "other_material"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Zions Bancorporation takes $60M provision, $50M charge-off on two commercial loans due to apparent fraud

## Summary
- Bank took $60M provision and $50M charge-off on two commercial loans in Q3 2025 due to apparent misrepresentations and defaults.
- Loans were extended by California Bank & Trust division; obligors have not responded to demands and notices.
- Bank commenced lawsuit in California against guarantors (Obligors) for full recovery of outstanding amounts.
- Bank believes situation is isolated and plans to engage counsel for independent review.

## SEC filing metadata
- accession: 0000109380-25-000118
- form_type: 8-K
- ticker: ZION
- cik: 0000109380
- company_name: ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
- filed_at: 2025-10-15T23:59:59+00:00
- event_type: other_material
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/109380/000010938025000118/0000109380-25-000118-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/109380/000010938025000118/zion-20251015.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-25-000118
- JSON: https://secwatch.observer/filing/0000109380-25-000118.json
- Plain text: https://secwatch.observer/filing/0000109380-25-000118.txt

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