secwatch.observer — SEC 8-K summary
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Issuer:     ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION)
CIK:        0000109380
Form:       8-K
Filed at:   2025-10-20T23:59:59+00:00
Accession:  0000109380-25-000124
Event type: earnings
Sentiment:  negative
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/109380/000010938025000124/0000109380-25-000124-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/109380/000010938025000124/zion-20251020.htm
  HTML page:      https://secwatch.observer/filing/0000109380-25-000124

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