Zions 3Q25 EPS $1.48 vs $1.37 YoY; NIM expands to 3.28%; $50M charge-off from two loans

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/

2025-Q3 EPS reported $4.25 revenue$485,000,000

Net earnings $221M, diluted EPS $1.48, up from $204M, $1.37 YoY; adjusted PPNR $352M (+18%).
Net interest margin 3.28% vs 3.03% YoY; loans $60.3B (+2%), deposits $74.9B (-1%).
Net charge-offs $56M including $50M from two related C&I loans; provision for credit losses $49M.
CEO states legal action initiated to recover amounts from guarantors of charged-off loans.
Estimated CET1 ratio 11.3% vs 10.7% a year ago; tangible book value per share +17% YoY.

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