secwatch.observer — SEC 8-K summary
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Issuer:     ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION)
CIK:        0000109380
Form:       8-K
Filed at:   2026-01-20T23:59:59+00:00
Accession:  0000109380-26-000009
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Zions Bancorp 4Q25 EPS $1.76 vs $1.34 YoY; NIM expands to 3.31%
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- Net earnings $262M, diluted EPS $1.76; up 31% from $1.34 in 4Q24.
- Net interest margin 3.31% vs 3.05% a year ago; net interest income up 9% to $683M.
- Estimated CET1 ratio strengthened to 11.5% from 10.9%; tangible book value per share up 21% to $40.79.
- Annualized net charge-offs just 0.05% of loans; provision for credit losses $6M vs $41M.
- Full-year 2025 diluted EPS $6.01, up 21% from $4.95; adjusted PPNR rose 6% to $331M in Q4.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/109380/000010938026000009/0000109380-26-000009-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/109380/000010938026000009/zion-20260120.htm
  HTML page:      https://secwatch.observer/filing/0000109380-26-000009

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