ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
For the period ended Sep 30, 2025. Filed Nov 6, 2025.
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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.
Sep 30, 2025 · Filed Nov 6, 2025
ZION$66.32+0.1%Stored close · as of Nov 10, 2026
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Consolidated Statements of Cash Flows
| (In millions) | Nine Months EndedSeptember 30, | |
|---|---|---|
| 2025 | 2024 | |
| CASH FLOWS FROM OPERATING ACTIVITIES | ||
| Net income for the period | $636 | $568 |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||
| Provision for credit losses | 66 | 31 |
| Depreciation and amortization | 87 | 95 |
| Share-based compensation | 29 | 28 |
| Deferred income tax expense | 40 | 3 |
| Net increase in trading securities | (99) | (20) |
| Net decrease (increase) in loans held for sale | (79) | 2 |
| Change in other liabilities | (114) | (188) |
| Change in other assets | 46 | 136 |
| Other, net | (57) | (24) |
| Net cash provided by operating activities | 555 | 631 |
| CASH FLOWS FROM INVESTING ACTIVITIES | ||
| Net decrease in money market investments | 900 | 186 |
| Proceeds from maturities and paydowns of investment securities held-to-maturity | 814 | 776 |
| Purchases of investment securities held-to-maturity | (27) | (62) |
| Proceeds from sales, maturities, and paydowns of investment securities available-for-sale | 1,279 | 1,527 |
| Purchases of investment securities available-for-sale | (1,082) | (528) |
| Net change in loans and leases | (555) | (1,130) |
| Purchases and sales of other noninterest-bearing investments | (36) | 21 |
| Purchases of premises and equipment | (83) | (69) |
| Acquisition of California branches, net of cash acquired | 191 | — |
| Other, net | (12) | 5 |
| Net cash provided by investing activities | 1,389 | 726 |
| CASH FLOWS FROM FINANCING ACTIVITIES | ||
| Net increase (decrease) in deposits | (2,003) | 757 |
| Net change in short-term borrowed funds | (75) | (1,460) |
| Proceeds from the issuance of long-term debt | 498 | — |
| Proceeds from the issuance of common stock | 6 | 1 |
| Dividends paid on common and preferred stock | (199) | (215) |
| Bank common stock repurchased | (41) | (35) |
| Other, net | (10) | (7) |
| Net cash used in financing activities | (1,824) | (959) |
| Net increase in cash and due from banks | 120 | 398 |
| Cash and due from banks at beginning of period | 651 | 716 |
| Cash and due from banks at end of period | $771 | $1,114 |
| Cash paid for interest | $1,202 | $1,423 |
| Net cash paid for income taxes | 173 | 131 |
| Noncash activities: | ||
| Loans held for investment reclassified to loans held for sale, net | 106 | 144 |
| Deposits acquired in purchase of California branches (at time of purchase) | 657 | — |
| Loans acquired in purchase of California branches, net (at time of purchase) | 423 | — |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.