ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/

For the period ended Jun 30, 2025. Filed Aug 7, 2025.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Jun 30, 2025 · Filed Aug 7, 2025

ZION$66.32+0.1%Stored close · as of Nov 10, 2026

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Contents

Consolidated Statements of Income

(Unaudited)	Three Months EndedJune 30,		Six Months EndedJune 30,
(In millions, except shares and per share amounts)	2025	2024	2025	2024
Interest income:
Interest and fees on loans	$875	$877	$1,725	$1,742
Interest on money market investments	50	56	103	103
Interest on securities	126	140	251	282
Total interest income	1,051	1,073	2,079	2,127
Interest expense:
Interest on deposits	312	390	638	766
Interest on short- and long-term borrowings	91	86	169	178
Total interest expense	403	476	807	944
Net interest income	648	597	1,272	1,183
Provision for credit losses:
Provision for loan and lease losses	3	12	20	33
Provision for unfunded lending commitments	(4)	(7)	(3)	(15)
Total provision for credit losses	(1)	5	17	18
Net interest income after provision for credit losses	649	592	1,255	1,165
Noninterest income:
Commercial account fees	46	45	91	89
Card fees	24	25	47	48
Retail and business banking fees	19	16	36	32
Loan-related fees and income	19	18	36	33
Capital markets fees and income	28	20	55	45
Wealth management fees	14	15	29	30
Other customer-related fees	14	14	28	28
Customer-related noninterest income	164	153	322	305
Dividends and other income	12	22	19	28
Securities gains (losses), net	14	4	20	2
Total noninterest income	190	179	361	335
Noninterest expense:
Salaries and employee benefits	336	318	678	649
Technology, telecom, and information processing	65	66	135	128
Occupancy and equipment, net	40	40	81	79
Professional and legal services	13	17	26	33
Marketing and business development	12	13	23	23
Deposit insurance and regulatory expense	20	21	42	55
Credit-related expense	6	6	12	13
Other real estate expense, net	—	(1)	—	(1)
Other	35	29	68	56
Total noninterest expense	527	509	1,065	1,035
Income before income taxes	312	262	551	465
Income taxes	68	61	137	111
Net income	244	201	414	354
Preferred stock dividends	(1)	(11)	(2)	(21)
Net earnings applicable to common shareholders	$243	$190	$412	$333
Weighted average common shares outstanding during the period:
Basic shares (in thousands)	147,044	147,115	147,182	147,227
Diluted shares (in thousands)	147,053	147,120	147,210	147,231
Net earnings per common share:
Basic	$1.63	$1.28	$2.77	$2.24
Diluted	1.63	1.28	2.77	2.24

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.