ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/

For the period ended Jun 30, 2026. Filed Aug 6, 2026.

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, 2026 · Filed Aug 6, 2026

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)	2026	2025	2026	2025
Interest income:
Interest and fees on loans	$859	$875	$1,700	$1,725
Interest on money market investments	43	50	82	103
Interest on securities	117	126	233	251
Total interest income	1,019	1,051	2,015	2,079
Interest expense:
Interest on deposits	281	312	556	638
Interest on short- and long-term borrowings	61	91	120	169
Total interest expense	342	403	676	807
Net interest income	677	648	1,339	1,272
Provision for credit losses:
Provision for loan and lease losses	4	3	(3)	20
Provision for unfunded lending commitments	(1)	(4)	(1)	(3)
Total provision for credit losses	3	(1)	(4)	17
Net interest income after provision for credit losses	674	649	1,343	1,255
Noninterest income:
Commercial account fees	49	46	97	91
Card fees	24	24	46	47
Retail and business banking fees	20	19	40	36
Loan-related fees and income	22	19	45	36
Capital markets fees and income	36	28	64	55
Wealth management fees	15	14	31	29
Other customer-related fees	16	14	31	28
Customer-related noninterest income	182	164	354	322
Dividends and other income	9	12	21	19
Securities gains (losses), net	269	14	272	20
Total noninterest income	460	190	647	361
Noninterest expense:
Salaries and employee benefits	344	336	705	678
Technology, telecom, and information processing	72	65	146	135
Occupancy and equipment, net	44	40	85	81
Professional and legal services	22	13	42	26
Marketing and business development	14	12	27	23
Deposit insurance and regulatory expense	7	20	22	42
Credit-related expense	10	6	15	12
Other real estate expense, net	1	—	1	—
Other	37	35	70	68
Total noninterest expense	551	527	1,113	1,065
Income before income taxes	583	312	877	551
Income taxes	130	68	191	137
Net income	453	244	686	414
Preferred stock dividends	(1)	(1)	(2)	(2)
Net earnings applicable to common shareholders	$452	$243	$684	$412
Weighted average common shares outstanding during the period:
Basic shares (in thousands)	146,117	147,044	146,529	147,182
Diluted shares (in thousands)	146,210	147,053	146,621	147,210
Net earnings per common share:
Basic	$3.05	$1.63	$4.61	$2.77
Diluted	3.05	1.63	4.61	2.77

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.