---
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"
generated_at: "2026-05-17T03:11:15.441213+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/109380/000010938025000124/0000109380-25-000124-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/109380/000010938025000124/zion-20251020.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-25-000124
- JSON: https://secwatch.observer/filing/0000109380-25-000124.json
- Plain text: https://secwatch.observer/filing/0000109380-25-000124.txt

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