{"schema_version":"secwatch.filing_event.v1","accession":"0000109380-26-000103","form_type":"8-K","ticker":"ZION","cik":"0000109380","company_name":"ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/","filed_at":"2026-07-20T20:05:38+00:00","discovered_at":"2026-07-20T20:07:02.458169+00:00","generated_at":"2026-07-20T20:07:21.015605+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Zions Bancorp 2Q26 EPS $3.05 ($1.74 adjusted) vs $1.63; NIM expands to 3.27%","bullets":["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)."],"urls":{"canonical":"https://secwatch.observer/filing/0000109380-26-000103","json":"https://secwatch.observer/filing/0000109380-26-000103.json","markdown":"https://secwatch.observer/filing/0000109380-26-000103.md","text":"https://secwatch.observer/filing/0000109380-26-000103.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/109380/000010938026000103/0000109380-26-000103-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/109380/000010938026000103/zion-20260720.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-20T20:07:21.015605+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}