Zions Bancorp 2Q26 EPS $3.05 ($1.74 adjusted) vs $1.63; NIM expands to 3.27%

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/

Net earnings $452M, diluted EPS $3.05; adjusted EPS $1.74 vs $1.58 prior year.
Net interest income $677M (+4% YoY); NIM 3.27% vs 3.17%.
Customer-related noninterest income $182M (+11% YoY) driven by capital markets.
CET1 ratio 11.8% (vs 11.0%); tangible book value per share $44.74 (+22%).
Notable items: $215M gain on Visa Class B-1 sale ($1.12/sh) and $37M SBIC gains ($0.19/sh).

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