---
schema_version: "secwatch.filing_event.v1"
accession: "0000109380-26-000063"
form_type: "8-K"
ticker: "ZION"
cik: "0000109380"
company_name: "ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/"
filed_at: "2026-04-20T23:59:59+00:00"
generated_at: "2026-05-15T05:16:37.564280+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Zions Bancorp Q1 2026 EPS $1.56 up 38% YoY; announces acquisition of Basis Multifamily agency lending business

## Summary
- Diluted EPS $1.56 vs $1.13 YoY; net earnings $232M up from $169M.
- Adjusted PPNR $301M, up 13% YoY; customer-related noninterest income $172M, up 9%.
- Net interest margin 3.27%, up from 3.10% YoY; loans and leases $61.3B, up 2%.
- Credit quality: net charge-offs annualized 0.03%, classified loans down 19% YoY to $2.3B.
- Reached agreement to acquire Basis Multifamily Finance agency lending business, adding Fannie Mae/Freddie Mac programs.

## SEC filing metadata
- accession: 0000109380-26-000063
- form_type: 8-K
- ticker: ZION
- cik: 0000109380
- company_name: ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
- filed_at: 2026-04-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/109380/000010938026000063/0000109380-26-000063-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/109380/000010938026000063/zion-20260420.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-26-000063
- JSON: https://secwatch.observer/filing/0000109380-26-000063.json
- Plain text: https://secwatch.observer/filing/0000109380-26-000063.txt

## Source-grounded claims
- claim_id: 37b0a6e9c72ad3a4c3d7892e602aea63540f84f0
  claim: ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ reported quarter ended March 31, 2026 results: net income $232 million, EPS $1.56.
  evidence_excerpt: Zions Bancorporation, N.A. reports 1Q26 Net Earnings of $232 million, diluted EPS of $1.56 compared with 1Q25 Net Earnings of $169 million, diluted EPS of $1.13, and 4Q25 Net Earnings of $262 million, diluted EPS of $1.76
  evidence_url: https://www.sec.gov/Archives/edgar/data/109380/000010938026000063/0000109380-26-000063-index.htm

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