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Jun 30, 2025
Zions Q2 2025 Earnings Report
Zions reported improved earnings, higher net interest margin, and strong loan growth in Q2 2025.
Key Takeaways
Zions Bancorporation delivered solid Q2 2025 results with higher net interest income, improved efficiency ratio, and robust loan growth, while maintaining strong credit quality.
Net income rose to $243 million, up 28% year-over-year
EPS increased to $1.63 from $1.28 a year ago
Net interest margin expanded to 3.17%, the sixth consecutive quarterly increase
Average loans grew to $60.5 billion, supported by strong commercial lending
Forward Guidance
Management expects continued loan growth, improved net interest income, and higher customer-related fee income, with some pressure on expenses due to investments.
Positive Outlook
- Commercial loans expected to lead growth
- Net interest income to improve with loan and deposit growth
- Customer-related noninterest income to grow broadly
- Capital markets expected to contribute strongly
- Positive operating leverage anticipated despite higher costs
Challenges Ahead
- Technology costs to increase
- Marketing expenses to rise
- Continued investments in revenue-generating businesses to pressure noninterest expense
- Possible deposit outflows affecting funding mix
- Interest rate environment could temper net interest income growth
Historical Earnings Impact
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Avg. Return Before/After Earnings
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