{"schema_version":"secwatch.filing_event.v1","accession":"0000109380-26-000125","form_type":"8-K","ticker":"ZION","cik":"0000109380","company_name":"ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/","filed_at":"2026-10-19T20:06:35+00:00","discovered_at":"2026-10-19T20:08:00.976971+00:00","generated_at":"2026-10-19T20:08:32.744475+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Zions 3Q26 EPS $1.78 vs $1.48 a year ago; net earnings $262M, down from $452M in 2Q","bullets":["Net interest income was $684M, up 2% YoY; NIM 3.23% vs 3.28% a year earlier.","Provision for credit losses was an $8M benefit vs $49M expense; net charge-offs $3M vs $56M (0.02% vs 0.37%).","PPNR $340M, down 1%; customer-related noninterest income $192M, up 18% ($182M adjusted, up 5%); noninterest expense $553M, up 5%.","Loans $62.5B, up 4%; customer deposits $74.5B, up 5%; CET1 11.8% vs 11.3%; TBVPS $43.50, up 13%.","Completed Basis Multifamily Finance acquisition in July 2026; net CVA gain $10M, or $0.05 per share."],"urls":{"canonical":"https://secwatch.observer/filing/0000109380-26-000125","json":"https://secwatch.observer/filing/0000109380-26-000125.json","markdown":"https://secwatch.observer/filing/0000109380-26-000125.md","text":"https://secwatch.observer/filing/0000109380-26-000125.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/109380/000010938026000125/0000109380-26-000125-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/109380/000010938026000125/zion-20261019.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-19T20:08:32.744475+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"}