---
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"
generated_at: "2026-07-20T20:07:21.015605+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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).

## SEC filing metadata
- 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
- 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/109380/000010938026000103/0000109380-26-000103-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/109380/000010938026000103/zion-20260720.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-26-000103
- JSON: https://secwatch.observer/filing/0000109380-26-000103.json
- Plain text: https://secwatch.observer/filing/0000109380-26-000103.txt

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