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 ...

Zions Bancorporation, N.A. One South Main Salt Lake City, UT 84133 January 21, 2025 www.zionsbancorporation.com Fourth Quarter 2024 Financial Results: FOR IMMEDIATE RELEASE Investor Contact: Shannon Drage (801) 844-8208 Media Contact: Rob Brough (801) 844-7979 Zions Bancorporation, N.A. reports: 4Q24 Net Earnings of $200 million, diluted EPS of $1.34 compared with 4Q23 Net Earnings of $116 million, diluted EPS of $0.78, and 3Q24 Net Earnings of $204 million, diluted EPS of $1.37 | | | FOURTH QUARTER | | RES ...

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 September 30, 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 St ...

Zions Bancorporation, N.A. One South Main Salt Lake City, UT 84133 October 21, 2024 www.zionsbancorporation.com Third Quarter 2024 Financial Results: FOR IMMEDIATE RELEASE Investor Contact: Shannon Drage (801) 844-8208 Media Contact: Rob Brough (801) 844-7979 Zions Bancorporation, N.A. reports: 3Q24 Net Earnings of $204 million, diluted EPS of $1.37 compared with 3Q23 Net Earnings of $168 million, diluted EPS of $1.13, and 2Q24 Net Earnings of $190 million, diluted EPS of $1.28 THIRD QUARTER RESULTS | $1.37 ...

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, 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 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q Registrant's telephone number, including area code: (801) 844-8208 ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 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 ( ...