---
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"
generated_at: "2026-10-19T20:08:32.744475+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Zions 3Q26 EPS $1.78 vs $1.48 a year ago; net earnings $262M, down from $452M in 2Q

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-26-000125
- JSON: https://secwatch.observer/filing/0000109380-26-000125.json
- Plain text: https://secwatch.observer/filing/0000109380-26-000125.txt

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