Zions Earnings Reports

Zions Bancorporation delivered solid results in Q3 2025, with revenue of $861 million and net income of $221 million. Net interest margin expanded for the seventh consecutive quarter, and deposits increased. However, earnings were adversely affected by a $50 million charge-off from two commercial loans.

Zions Bancorporation delivered solid Q2 2025 results with higher net interest income, improved efficiency ratio, and robust loan growth, while maintaining strong credit quality.

Zions Bancorporation posted solid Q1 2025 results with $169M in net income and a notable 18% YoY increase in EPS. The results were impacted by a tax-related charge but benefited from a stronger net interest margin and strategic branch acquisitions.

Zions Bancorporation reported a strong fourth quarter with net earnings of $200 million and diluted EPS of $1.34. The company saw improvements in net interest income, operating performance, and customer-related noninterest income. Loan losses were higher, but nonperforming loans decreased relative to the third quarter.

Zions Bancorporation reported net earnings of $204 million, or $1.37 per diluted share, for the third quarter of 2024. The net interest margin strengthened to 3.03%, and operating costs increased modestly. Classified loans increased, but credit losses remained low.

Zions Bancorporation, N.A. reported second quarter 2024 net earnings of $190 million, with diluted EPS of $1.28. The net interest margin was 2.98%, and the estimated Common Equity Tier 1 ratio was 10.6%.

Zions Bancorporation reported a decrease in net earnings and net interest income compared to the previous year, reflecting the adverse impact of bank failures. However, there was incremental improvement in net interest margin and earning asset growth. The conversion of deposit accounts at Amegy Bank and Nevada State Bank to the new TCS BaNCS™ platform was completed.

Zions Bancorporation reported Q4 2023 net earnings of $116 million, with a diluted EPS of $0.78. The results reflect the bank's resilience, with customer deposit growth, loan growth, a stable net interest margin, and a strengthened capital position. Operating expenses were well-managed, excluding a one-time FDIC special assessment. The bank's loan portfolio exhibited strong credit quality.

Zions Bancorporation reported a net income of $168 million and diluted EPS of $1.13 for the third quarter of 2023. The net interest margin was 2.93%, and the estimated CET1 capital ratio was 10.2%. Customer deposits increased by 5% over the past three months.

Zions Bancorporation, N.A. reported second quarter 2023 financial results, with net earnings of $166 million and diluted EPS of $1.11. The results reflect a rebound in customer deposits and stable net interest income, offset by higher costs of funds. Credit quality remained strong, with reductions in nonperforming and classified loans.

Zions Bancorporation reported a net earnings increase to $198 million, with diluted EPS of $1.33, driven by a 25% increase in net interest income. The bank's NIM rose to 3.33%, while deposits decreased by 16%.

Zions Bancorporation, N.A. reported strong Q4 2022 financial results with net earnings of $277 million and diluted EPS of $1.84. The company saw an increase in net interest income and net interest margin. Solid loan growth and exceptional credit quality also contributed to the positive results.

Zions Bancorporation, N.A. reported third quarter 2022 net earnings of $211 million, with diluted EPS of $1.40. The net interest margin was 3.24%.

Zions Bancorporation, N.A. reported second quarter 2022 net earnings of $195 million, with diluted EPS of $1.29. Net interest income was $593 million, up 7%, and NIM was 2.87%. Loans and leases were $52.4 billion, up 2%, and excluding PPP loans, loans and leases were up 10%. The estimated CET1 capital ratio was 9.9%.

Zions Bancorporation, N.A. reported first quarter 2022 net earnings of $195 million, with diluted EPS of $1.27. Net interest income remained relatively stable at $544 million, while the net interest margin was 2.60%. Loans and leases decreased by $2.2 billion, but excluding PPP loans, they increased by $3.2 billion.

Zions Bancorporation reported Q4 2021 net earnings of $207 million, with diluted EPS of $1.34. Net interest income was $553 million. Loans and leases were $50.9 billion, and deposits reached $82.8 billion. Credit quality remained strong, with a 0.01% annualized net charge-off rate.

Zions Bancorporation reported a solid third quarter with net earnings of $234 million and diluted EPS of $1.45. The company saw stable net interest income, strong deposit growth, and positive credit outcomes. Loan growth, excluding PPP loans, was encouraging.

Zions Bancorporation, N.A. reported a strong second quarter in 2021, with net earnings of $345 million and a diluted EPS of $2.08. Credit performance was notably strong, with modest net recoveries on loans. The company released over $120 million of its allowance for credit losses due to the belief that future losses will be significantly less than previously expected. Deposits continued to grow, and the CET1 ratio reached 11.3%.

Zions Bancorporation reported a net earnings of $314 million and diluted EPS of $1.90 for Q1 2021. The results reflect an improving credit environment and outlook, which resulted in minimal net charge-offs and a substantial reversal of loan loss provisions.

Zions Bancorporation reported a strong fourth quarter with net earnings of $275 million, resulting in a diluted EPS of $1.66. The quarter was characterized by stable revenue, solid credit results, and very low net loan losses. Deposits continued to exhibit strong growth, and the CET1 ratio increased to 10.8%.

Zions Bancorporation reported third quarter net earnings of $167 million, with diluted EPS of $1.01. Net interest income was $555 million, and the net interest margin was 3.06%. Deposits increased by $11.0 billion, or 20%, to $67.1 billion.

Zions Bancorporation reported net earnings of $57 million, or $0.34 per diluted share, for the second quarter of 2020, compared to $189 million, or $0.99 per diluted share, for the same period in 2019. The decrease was primarily due to a decrease in net interest income and an increase in the provision for credit losses.

Zions Bancorporation, N.A. reported first quarter 2020 net earnings of $6 million, a significant decrease compared to $205 million in the same quarter of the previous year. Diluted EPS also declined to $0.04 from $1.04 year-over-year. The decrease was primarily due to a substantial increase in the provision for credit losses, driven by the anticipated economic downturn related to the effects of COVID-19. Despite the earnings decline, the bank highlighted well-controlled operating expenses and a relatively resilient net interest margin.

Zions Bancorporation reported Q4 2019 net earnings of $174 million, with diluted EPS of $0.97. Results were impacted by flat loan volumes and severance and restructuring charges. The company saw strong growth in average deposit balances and relative stability in net interest margin.