secwatch / observer

8-K filed October 20, 2025, 7:59 PM ET ticker ZION CIK 0000109380

earnings confidence high sentiment negative materiality 0.70

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.

item 2.02 item 9.01

Machine-readable event card

schema_version: secwatch.filing_event.v1
accession: 0000109380-25-000124
form_type: 8-K
ticker: ZION
cik: 0000109380
company_name: ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
filed_at: 2025-10-20T23:59:59+00:00
discovered_at: 2026-05-14T18:02:38.775927+00:00
generated_at: 2026-05-17T03:11:15.441213+00:00
sec_items: ["2.02", "9.01"]
event_type: earnings
sentiment: negative
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: high
secwatch_canonical_url: https://secwatch.observer/filing/0000109380-25-000124
json_url: https://secwatch.observer/filing/0000109380-25-000124.json
markdown_url: https://secwatch.observer/filing/0000109380-25-000124.md
text_url: https://secwatch.observer/filing/0000109380-25-000124.txt
edgar_index_url: https://www.sec.gov/Archives/edgar/data/109380/000010938025000124/0000109380-25-000124-index.htm
edgar_primary_document_url: https://www.sec.gov/Archives/edgar/data/109380/000010938025000124/zion-20251020.htm
generated_by_model: deepseek-v4-flash:cloud@v2
review_status: machine_generated
human_reviewed: false
corrected: false
correction_note: null
correction_timestamp: null
superseded_by: null

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