Core Viewpoint - Rosen Law Firm is investigating potential securities claims on behalf of shareholders of Zions Bancorporation due to allegations of materially misleading business information issued by the company [1][2]. Group 1: Legal Action and Investor Rights - Investors who purchased Zions Bancorporation securities may be entitled to compensation through a class action lawsuit without any out-of-pocket fees [2]. - The Rosen Law Firm is preparing a class action to seek recovery of investor losses related to the alleged misleading information [2]. Group 2: Financial Impact and Company Disclosure - On October 15, 2025, Zions Bancorporation announced a $50 million charge-off for a loan due to misrepresentations and defaults by borrowers, prompting an independent review [3]. - Following this announcement, Zions Bancorporation's common stock experienced a decline of 13.14% on October 16, 2025 [4]. Group 3: Rosen Law Firm's Credentials - The Rosen Law Firm has a strong track record in securities class actions, having achieved significant settlements, including the largest against a Chinese company [5]. - The firm has been consistently ranked among the top firms for securities class action settlements and has recovered hundreds of millions for investors [5].

Core Viewpoint - Rosen Law Firm is investigating potential securities claims on behalf of shareholders of Zions Bancorporation due to allegations of materially misleading business information issued to the public [1] Group 1: Legal Action and Investor Rights - Investors who purchased Zions Bancorporation securities may be entitled to compensation through a class action lawsuit without any out-of-pocket fees [2] - The Rosen Law Firm is preparing a class action to seek recovery of investor losses [2] Group 2: Financial Disclosure and Impact - On October 15, 2025, Zions Bancorporation announced a $50 million charge-off related to a loan from its subsidiary, California Bank & Trust, due to misrepresentations and contractual defaults [3] - Following this announcement, Zions Bancorporation's common stock experienced a decline of 13.14% on October 16, 2025 [4] Group 3: Rosen Law Firm's Credentials - The Rosen Law Firm has a strong track record in securities class actions, having achieved significant settlements and recognition in the field [5] - The firm has recovered hundreds of millions of dollars for investors, including over $438 million in 2019 alone [5]

Core Viewpoint - Rosen Law Firm is investigating potential securities claims on behalf of shareholders of Zions Bancorporation due to allegations of materially misleading business information issued to the public [1] Group 1: Legal Action and Investor Rights - Investors who purchased Zions Bancorporation securities may be entitled to compensation through a class action lawsuit without any out-of-pocket fees [2] - The Rosen Law Firm is preparing a class action to seek recovery of investor losses [2] Group 2: Financial Impact and Company Disclosure - On October 15, 2025, Zions Bancorporation announced a $50 million charge-off related to a loan from its subsidiary, California Bank & Trust, due to misrepresentations and contractual defaults [3] - Following this announcement, Zions Bancorporation's common stock experienced a decline of 13.14% on October 16, 2025 [4] Group 3: Rosen Law Firm's Credentials - The Rosen Law Firm has a strong track record in securities class actions, having achieved significant settlements, including the largest against a Chinese company [5] - The firm has been consistently ranked among the top firms for securities class action settlements and has recovered hundreds of millions for investors [5]

Core Viewpoint - Rosen Law Firm is investigating potential securities claims on behalf of shareholders of Zions Bancorporation due to allegations of materially misleading business information issued by the company [1] Group 1: Legal Actions and Investigations - Shareholders who purchased Zions Bancorporation securities may be entitled to compensation through a class action lawsuit without any out-of-pocket fees [2] - Zions Bancorporation announced a $50 million charge-off related to a loan underwritten by its subsidiary, California Bank & Trust, citing misrepresentations and contractual defaults [3] - An independent review of the matter will be coordinated by Zions Bancorporation with legal counsel [3] Group 2: Market Reaction - Following the announcement of the charge-off, Zions Bancorporation's common stock experienced a decline of 13.14% on October 16, 2025 [4] Group 3: Rosen Law Firm's Credentials - Rosen Law Firm has a strong track record in securities class actions, having achieved significant settlements and recognition in the field [5] - The firm has recovered hundreds of millions of dollars for investors, including over $438 million in 2019 alone [5]

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].

Group 1 - The article does not provide any relevant content regarding company or industry insights [1]

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 | ...