New York, New York--(Newsfile Corp. - November 7, 2025) - WHY: Rosen Law Firm, a global investor rights law firm, continues to investigate potential securities claims on behalf of shareholders of Zions Bancorporation, N.A. (NASDAQ: ZION) (NASDAQ: ZIONP) resulting from allegations that Zions Bancorporation may have issued materially misleading business information to the investing public.SO WHAT: If you purchased Zions Bancorporation securities you may be entitled to compensation without payment of any out ...

Financial Performance - Net earnings applicable to common shareholders increased, with diluted EPS rising to $1.48 from $1.37 in the third quarter of 2024, reflecting higher net interest income and noninterest income [19]. - Net income for Q3 2025 reached $222 million, a 3.7% increase from $214 million in Q3 2024 [199]. - Net income for the nine months ended September 30, 2025, was $636 million, an increase of 12% compared to $568 million in 2024 [202]. - Basic earnings per share for Q3 2025 were $1.48, up from $1.37 in Q3 2024, reflecting a growth of 8% [198]. - Comprehensive income for Q3 2025 was $330 million, down from $427 million in Q3 2024, indicating a decrease of 22.7% [199]. Interest Income and Expenses - Total interest income for the third quarter was $1,064 million, down $40 million, or 4%, from the previous year [22]. - Total interest expense decreased by $92 million, or 19%, resulting in net interest income of $672 million [22]. - Net interest income (GAAP) for the three months ended September 30, 2025, was $672 million, compared to $620 million for the same period in 2024, representing an 8.4% increase [195]. - Net interest income after provision for credit losses increased to $623 million in Q3 2025, compared to $607 million in Q3 2024, reflecting a growth of 2.6% [198]. Noninterest Income - Customer-related noninterest income increased by $5 million, or 3%, driven by higher loan-related fees, despite an $11 million net credit valuation adjustment loss [20]. - Noninterest income for Q3 2025 was $189 million, up 9.9% from $172 million in Q3 2024 [198]. - Noncustomer-related noninterest income increased by $12 million, or 86%, primarily due to higher dividends and a gain on the sale of a bank-owned property [23]. - Total noninterest income for the nine months ended September 30, 2025, was $550 million, an increase of $43 million, or 8%, compared to the same period in 2024 [57]. Credit Losses and Provisions - The provision for credit losses was $60 million, primarily related to two commercial borrowers, with $50 million charged off and a full reserve established for the remaining $10 million [20]. - The provision for credit losses was $49 million in Q3 2025, compared to $13 million in Q3 2024, primarily due to credit losses from two related commercial loans [53]. - Provision for credit losses increased to $66 million in 2025 from $31 million in 2024, indicating a rise in expected credit losses [202]. - The allowance for credit losses (ACL) was $725 million as of September 30, 2025, down from $736 million a year earlier, reflecting lower reserves for commercial real estate risks [47]. Loans and Leases - Total loans and leases increased by $1.4 billion, or 2%, driven by growth in the consumer 1-4 family residential mortgage and commercial and industrial loan portfolios [23]. - Average loans and leases increased by $2.1 billion, or 4%, to $60.8 billion, primarily due to growth in average consumer and commercial loans [34]. - The loan and lease portfolio increased by $892 million, or 2%, to $60,302 million at September 30, 2025, driven by growth in consumer 1-4 family residential mortgages, commercial and industrial loans, and term commercial real estate loans [81]. - The net loan and lease charge-offs totaled $56 million, or 0.37% of average loans and leases annualized, compared to $3 million, or 0.02%, in the prior year quarter [23]. Deposits and Borrowings - Total deposits decreased by $840 million, or 1%, with a notable reduction in interest-bearing deposits due to product migration [23]. - Total deposits declined by $1.3 billion, or 2%, to $74,878 million, primarily due to a migration of consumer interest-bearing products to noninterest-bearing offerings [87]. - Total borrowed funds increased by $1.8 billion, or 51%, compared to the prior year quarter, driven by higher levels of long-term debt and short-term advances from the FHLB [23]. - The loan-to-deposit ratio increased to 81% at September 30, 2025, compared to 78% at December 31, 2024 [88]. Efficiency and Cost Management - The efficiency ratio improved, indicating better cost management and operational efficiency [19]. - Noninterest expense increased by $25 million, or 5%, compared to the prior year quarter, with salaries and employee benefits rising by $20 million due to higher severance and base salaries [62]. - Adjusted noninterest expense increased by $21 million, or 4%, with an efficiency ratio improving to 59.6% from 62.5% as adjusted pre-provision net revenue increased by $53 million, or 18% [63]. - The efficiency ratio (non-GAAP) improved to 59.6% for the three months ended September 30, 2025, from 62.5% in the same period last year [195]. Capital and Shareholder Equity - Total shareholders' equity rose by $741 million, or 12%, to $6.9 billion at September 30, 2025, compared to $6.1 billion at December 31, 2024 [180]. - As of September 30, 2025, common equity tier 1 (CET1) capital totaled $7.7 billion, a 7% increase from $7.2 billion in the prior year [187]. - The CET1 capital ratio improved to 11.3%, compared to 10.7% in the previous year [187]. - Tangible book value per common share increased by $5.52, or 17%, to $38.64, primarily due to increased retained earnings and reduced unrealized losses [187]. Investment and Securities - The amortized cost of total investment securities declined by $832 million, or 4%, from December 31, 2024, primarily due to principal reductions, net of reinvestments [72]. - Total investment securities amounted to $20.935 billion as of September 30, 2025, with a fair value of $18.276 billion [72]. - The estimated duration of the investment securities portfolio was 3.7 years, compared to 3.4 years at December 31, 2024, reflecting revised prepayment assumptions [70]. Risk Management and Interest Rate Sensitivity - The company actively manages interest rate risk through a combination of interest rate swaps and investments in fixed-rate securities [147]. - The Earnings at Risk (EaR) analysis showed a potential decrease in net interest income of 9.7% under a -200 bps rate shift scenario as of September 30, 2025 [157]. - The projected latent interest rate sensitivity is expected to increase net interest income by approximately 8.0% in Q3 2026 compared to Q3 2025 [161]. - Under a parallel interest rate shock of +/- 100 bps, cumulative net interest income sensitivity is projected to range between -1.9% and 4.7% [162].

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Zions Bancorporation, N.A. One South Main Salt Lake City, UT 84133 October 20, 2025 www.zionsbancorporation.com Third Quarter 2025 Financial Results: FOR IMMEDIATE RELEASE Investor Contact: Shannon Drage (801) 844-8208 Media Contact: Jennifer Johnston (801) 844-7112 Zions Bancorporation, N.A. reports 3Q25 Net Earnings of $221 million, diluted EPS of $1.48 compared with 3Q24 Net Earnings of $204 million, diluted EPS of $1.37, and 2Q25 Net Earnings of $243 million, diluted EPS of $1.63 THIRD QUARTER RESULTS | ...

Group 1 - The company is focused on the western part of the country and primarily serves small business customers [1] - There is a cautious outlook regarding the impact of elevated inflation, higher interest rates, and tariff uncertainty on borrowers [2] - Despite concerns, the current business environment remains reasonably stable, with ongoing customer engagement [3]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ COMMISSION FILE NUMBER 001-12307 ZIONS BANCORPORATION, NATIONAL ASSOCIATION (Exact name of registrant as specified in its charter) United States ...

Zions Bancorporation, N.A. One South Main Salt Lake City, UT 84133 July 21, 2025 www.zionsbancorporation.com Second Quarter 2025 Financial Results: FOR IMMEDIATE RELEASE Investor Contact: Shannon Drage (801) 844-8208 Media Contact: Jennifer Johnston (801) 844-7112 Zions Bancorporation, N.A. reports: 2Q25 Net Earnings of $243 million, diluted EPS of $1.63 compared with 2Q24 Net Earnings of $190 million, diluted EPS of $1.28, and 1Q25 Net Earnings of $169 million, diluted EPS of $1.13 SECOND QUARTER RESULTS | ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 COMMISSION FILE NUMBER 001-12307 ZIONS BANCORPORATION, NATIONAL ASSOCIATION (Exact name of registrant as specified in its charter) United States of America 87-0189025 (State or other jurisdiction of incorporation or organization) One South Main Salt Lake City, Utah 84133-1109 (Address of principal executive offices) (Zip Code) FORM 10-Q (I.R.S. Employer Identification No.) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURI ...

Financial Performance - Net earnings for Q1 2025 were $169 million, with diluted EPS of $1.13, an increase of 18% compared to Q1 2024's net earnings of $143 million and diluted EPS of $0.96[2]. - Net income for Q1 2025 was $170 million, down from $216 million in Q4 2024, indicating a decrease of 21.3%[39]. - Adjusted net earnings applicable to common shareholders for Q1 2025 were $170 million, compared to $201 million in Q4 2024[49]. - Basic earnings per share for Q1 2025 was $1.13, down from $1.34 in Q4 2024, reflecting a decrease of 15.7%[39]. - Total shareholders' equity increased to $6.327 billion in Q1 2025, up 3% from $6.124 billion in Q4 2024 and up 9% from $5.829 billion in Q1 2024[27]. - Total shareholders' equity (GAAP) rose to $6,327 million in Q1 2025, up from $6,124 million in Q4 2024[52]. Revenue and Income Sources - Net interest income rose to $624 million, up 6% year-over-year, with a net interest margin (NIM) of 3.10%, compared to 2.94% in Q1 2024[4]. - Total interest income for Q1 2025 was $1,028 million, a decrease of 3.2% from $1,062 million in Q4 2024[39]. - Customer-related noninterest income grew by $6 million, or 4%, driven by higher loan-related fees and improved capital markets fees[14]. - Total noninterest income for Q1 2025 was $171 million, a decrease from $193 million in Q4 2024, representing a decline of 11.4%[39]. Loan and Deposit Metrics - Total loans and leases increased to $59.9 billion, a 3% rise from the previous year[4]. - Total deposits reached $75.7 billion, up 2%, with customer deposits (excluding brokered deposits) at $70.9 billion, a 1% increase[4]. - The loan-to-deposit ratio was 79%, compared to 78% in the prior year quarter[25]. - Total loans and leases increased to $59,941 million in Q1 2025, compared to $59,410 million in Q4 2024, representing a growth of 0.9%[40]. Asset Quality and Credit Losses - Nonperforming assets were stable at $307 million, or 0.51% of loans and leases, compared to 0.44% in the prior year[4]. - The provision for credit losses was $18 million, a decrease of $23 million, or 56%, compared to the prior year quarter[21]. - The provision for loan losses was $17 million for the three months ended March 31, 2025, compared to $38 million in Q4 2024, reflecting a significant decrease of 55.26%[42]. - Nonaccrual loans totaled $305 million as of March 31, 2025, an increase from $297 million at the end of 2024, representing a 2.69% increase[43]. Capital and Equity - The estimated common equity tier 1 (CET1) capital ratio improved to 10.8%, compared to 10.4% in the previous year[4]. - Estimated common equity tier 1 (CET1) capital increased by 7% to $7.4 billion, with a CET1 capital ratio of 10.8%, up from 10.4% in the prior year[30]. - Retained earnings rose by $512 million, reaching $6.805 billion in Q1 2025, compared to $6.293 billion in Q1 2024, reflecting an 8% increase[27]. - Tangible book value per common share increased to $34.95, compared to $29.34 in the previous year, driven by higher retained earnings and reduced unrealized losses[30]. Efficiency and Expenses - The efficiency ratio improved to 66.6%, compared to 67.9%, as adjusted taxable-equivalent revenue growth outpaced adjusted noninterest expense growth[17]. - Noninterest expense increased by $12 million, or 2%, year-over-year, with salaries and employee benefits rising by $11 million due to higher incentive compensation and severance expenses[16]. - The efficiency ratio increased to 66.6% from 62.0% in the previous quarter, indicating higher noninterest expenses relative to income[37]. Shareholder Returns - Common dividends paid were $65 million in Q1 2025, up from $61 million in Q1 2024, reflecting a 7% increase[27]. - The company repurchased 0.8 million common shares for $41 million in Q1 2025, compared to 0.9 million shares for $35 million in the same period last year[28].

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ COMMISSION FILE NUMBER 001-12307 ZIONS BANCORPORATION, NATIONAL ASSOCIATION (Exact name of registrant as specified in its charter) United States of A ...