ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/

For the period ended Sep 30, 2026. Filed Nov 5, 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.

Sep 30, 2026 · Filed Nov 5, 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 EndedSeptember 30,		Nine Months EndedSeptember 30,
(In millions, except shares and per share amounts)	2026	2025	2026	2025
Interest income:
Interest and fees on loans	$877	$898	$2,577	$2,623
Interest on money market investments	53	41	135	144
Interest on securities	116	125	349	376
Total interest income	1,046	1,064	3,061	3,143
Interest expense:
Interest on deposits	313	313	869	951
Interest on short- and long-term borrowings	49	79	169	248
Total interest expense	362	392	1,038	1,199
Net interest income	684	672	2,023	1,944
Provision for credit losses:
Provision for loan and lease losses	(14)	45	(17)	65
Provision for unfunded lending commitments	6	4	5	1
Total provision for credit losses	(8)	49	(12)	66
Net interest income after provision for credit losses	692	623	2,035	1,878
Noninterest income:
Commercial account fees	49	47	146	138
Card fees	25	24	71	71
Retail and business banking fees	21	19	61	55
Loan-related fees and income	20	20	65	56
Capital markets fees and income	46	24	110	79
Wealth management fees	16	14	47	43
Other customer-related fees	15	15	46	43
Customer-related noninterest income	192	163	546	485
Dividends and other income	9	15	30	34
Securities gains (losses), net	(4)	11	268	31
Total noninterest income	197	189	844	550
Noninterest expense:
Salaries and employee benefits	345	337	1,050	1,015
Technology, telecom, and information processing	76	70	222	205
Occupancy and equipment, net	43	42	128	123
Professional and legal services	20	14	62	40
Marketing and business development	14	11	41	34
Deposit insurance and regulatory expense	12	16	34	58
Credit-related expense	8	6	23	18
Other real estate expense, net	1	—	2	—
Other	34	31	104	99
Total noninterest expense	553	527	1,666	1,592
Income before income taxes	336	285	1,213	836
Income taxes	73	63	264	200
Net income	263	222	949	636
Preferred stock dividends	(1)	(1)	(3)	(3)
Net earnings applicable to common shareholders	$262	$221	$946	$633
Weighted average common shares outstanding during the period:
Basic shares (in thousands)	144,984	147,045	146,009	147,136
Diluted shares (in thousands)	145,088	147,125	146,104	147,175
Net earnings per common share:
Basic	$1.78	$1.48	$6.40	$4.25
Diluted	1.78	1.48	6.39	4.25

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.