secwatch.observer — SEC 8-K summary
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Issuer:     ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION)
CIK:        0000109380
Form:       8-K
Filed at:   2026-10-19T20:06:35+00:00
Accession:  0000109380-26-000125
Event type: earnings
Sentiment:  neutral
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4.1-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/109380/000010938026000125/0000109380-26-000125-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/109380/000010938026000125/zion-20261019.htm
  HTML page:      https://secwatch.observer/filing/0000109380-26-000125

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer