ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/

For the period ended Sep 30, 2025. Filed Nov 6, 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.

Sep 30, 2025 · Filed Nov 6, 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 EndedSeptember 30,		Nine Months EndedSeptember 30,
(In millions, except shares and per share amounts)	2025	2024	2025	2024
Interest income:
Interest and fees on loans	$898	$899	$2,623	$2,641
Interest on money market investments	41	67	144	170
Interest on securities	125	138	376	420
Total interest income	1,064	1,104	3,143	3,231
Interest expense:
Interest on deposits	313	403	951	1,169
Interest on short- and long-term borrowings	79	81	248	259
Total interest expense	392	484	1,199	1,428
Net interest income	672	620	1,944	1,803
Provision for credit losses:
Provision for loan and lease losses	45	1	65	34
Provision for unfunded lending commitments	4	12	1	(3)
Total provision for credit losses	49	13	66	31
Net interest income after provision for credit losses	623	607	1,878	1,772
Noninterest income:
Commercial account fees	47	46	138	135
Card fees	24	24	71	72
Retail and business banking fees	19	18	55	50
Loan-related fees and income	20	17	56	50
Capital markets fees and income	24	25	79	70
Wealth management fees	14	14	43	44
Other customer-related fees	15	14	43	42
Customer-related noninterest income	163	158	485	463
Dividends and other income	15	5	34	33
Securities gains (losses), net	11	9	31	11
Total noninterest income	189	172	550	507
Noninterest expense:
Salaries and employee benefits	337	317	1,015	966
Technology, telecom, and information processing	70	66	205	194
Occupancy and equipment, net	42	40	123	119
Professional and legal services	14	14	40	47
Marketing and business development	11	12	34	35
Deposit insurance and regulatory expense	16	19	58	74
Credit-related expense	6	6	18	19
Other real estate expense, net	—	—	—	(1)
Other	31	28	99	84
Total noninterest expense	527	502	1,592	1,537
Income before income taxes	285	277	836	742
Income taxes	63	63	200	174
Net income	222	214	636	568
Preferred stock dividends	(1)	(10)	(3)	(31)
Net earnings applicable to common shareholders	$221	$204	$633	$537
Weighted average common shares outstanding during the period:
Basic shares (in thousands)	147,045	147,138	147,136	147,197
Diluted shares (in thousands)	147,125	147,150	147,175	147,202
Net earnings per common share:
Basic	$1.48	$1.37	$4.25	$3.61
Diluted	1.48	1.37	4.25	3.61

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.