10-K – 2026-02-24 – zions-20251231.htm

zions-20251231 false 2025 FY 0000109380 http://fasb.org/us-gaap/2025#AccountingStandardsUpdate202202Member http://fasb.org/us-gaap/2025#OtherAssets http://fasb.org/us-gaap/2025#OtherLiabilities http://fasb.org/us-gaap/2025#OtherAssets http://fasb.org/us-gaap/2025#OtherLiabilities http://fasb.org/us-gaap/2025#OtherAssets http://fasb.org/us-gaap/2025#OtherAssets http://fasb.org/us-gaap/2025#OtherAssets http://fasb.org/us-gaap/2025#OtherAssets http://fasb.org/us-gaap/2025#PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization http://fasb.org/us-gaap/2025#PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization http://fasb.org/us-gaap/2025#OtherLiabilities http://fasb.org/us-gaap/2025#OtherLiabilities http://fasb.org/us-gaap/2025#LongTermDebt http://fasb.org/us-gaap/2025#LongTermDebt P3Y P3Y 0.025 iso4217:USD xbrli:shares iso4217:USD xbrli:shares zions:state zions:segment xbrli:pure zions:security zions:branch zions:case zions:investment 0000109380 2025-01-01 2025-12-31 0000109380 us-gaap:CommonStockMember 2025-01-01 2025-12-31 0000109380 zions:SeriesAFloatingRateNonCumulativePerpetualPreferredStockMember 2025-01-01 2025-12-31 0000109380 2025-06-30 0000109380 2026-02-09 0000109380 2025-12-31 0000109380 2024-12-31 0000109380 2024-01-01 2024-12-31 0000109380 2023-01-01 2023-12-31 0000109380 us-gaap:PreferredStockMember 2022-12-31 0000109380 us-gaap:CommonStockMember 2022-12-31 0000109380 us-gaap:CommonStockIncludingAdditionalPaidInCapitalMember 2022-12-31 0000109380 us-gaap:RetainedEarningsMember 2022-12-31 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2022-12-31 0000109380 2022-12-31 0000109380 us-gaap:RetainedEarningsMember 2023-01-01 2023-12-31 0000109380 2022-01-01 2022-12-31 0000109380 srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember us-gaap:RetainedEarningsMember 2022-12-31 0000109380 srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember 2022-12-31 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2023-01-01 2023-12-31 0000109380 us-gaap:CommonStockMember 2023-01-01 2023-12-31 0000109380 us-gaap:CommonStockIncludingAdditionalPaidInCapitalMember 2023-01-01 2023-12-31 0000109380 us-gaap:PreferredStockMember 2023-12-31 0000109380 us-gaap:CommonStockMember 2023-12-31 0000109380 us-gaap:CommonStockIncludingAdditionalPaidInCapitalMember 2023-12-31 0000109380 us-gaap:RetainedEarningsMember 2023-12-31 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2023-12-31 0000109380 2023-12-31 0000109380 us-gaap:RetainedEarningsMember 2024-01-01 2024-12-31 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommonStockMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommonStockIncludingAdditionalPaidInCapitalMember 2024-01-01 2024-12-31 0000109380 us-gaap:PreferredStockMember 2024-01-01 2024-12-31 0000109380 us-gaap:PreferredStockMember 2024-12-31 0000109380 us-gaap:CommonStockMember 2024-12-31 0000109380 us-gaap:CommonStockIncludingAdditionalPaidInCapitalMember 2024-12-31 0000109380 us-gaap:RetainedEarningsMember 2024-12-31 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-12-31 0000109380 us-gaap:RetainedEarningsMember 2025-01-01 2025-12-31 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommonStockMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommonStockIncludingAdditionalPaidInCapitalMember 2025-01-01 2025-12-31 0000109380 us-gaap:PreferredStockMember 2025-12-31 0000109380 us-gaap:CommonStockMember 2025-12-31 0000109380 us-gaap:CommonStockIncludingAdditionalPaidInCapitalMember 2025-12-31 0000109380 us-gaap:RetainedEarningsMember 2025-12-31 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-12-31 0000109380 zions:SubordinatedNotesInterestRate4.48PercentMember us-gaap:SubordinatedDebtMember us-gaap:SubsequentEventMember 2026-02-04 0000109380 srt:MaximumMember 2025-01-01 2025-12-31 0000109380 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000109380 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000109380 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000109380 us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0000109380 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000109380 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000109380 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000109380 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0000109380 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000109380 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000109380 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000109380 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0000109380 zions:BankownedlifeinsuranceMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000109380 zions:BankownedlifeinsuranceMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000109380 zions:BankownedlifeinsuranceMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000109380 zions:BankownedlifeinsuranceMember us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0000109380 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000109380 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000109380 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0000109380 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000109380 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000109380 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0000109380 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000109380 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000109380 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0000109380 zions:BankownedlifeinsuranceMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000109380 zions:BankownedlifeinsuranceMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000109380 zions:BankownedlifeinsuranceMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 zions:BankownedlifeinsuranceMember us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0000109380 zions:LoansHeldForSaleMember us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0000109380 zions:LoansHeldForSaleMember us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0000109380 us-gaap:FairValueMeasurementsRecurringMember 2025-01-01 2025-12-31 0000109380 us-gaap:FairValueMeasurementsRecurringMember 2024-01-01 2024-12-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2023-12-31 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2023-12-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2022-12-31 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2022-12-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-01-01 2025-12-31 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-01-01 2025-12-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2024-01-01 2024-12-31 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2024-01-01 2024-12-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2023-01-01 2023-12-31 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2023-01-01 2023-12-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000109380 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-01-01 2025-12-31 0000109380 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2024-01-01 2024-12-31 0000109380 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2023-01-01 2023-12-31 0000109380 zions:CollateralDependentLoansMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000109380 zions:CollateralDependentLoansMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2025-01-01 2025-12-31 0000109380 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000109380 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000109380 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000109380 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000109380 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000109380 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000109380 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:AssetPledgedAsCollateralMember 2025-12-31 0000109380 us-gaap:AssetPledgedAsCollateralMember 2024-12-31 0000109380 us-gaap:USTreasurySecuritiesMember 2025-12-31 0000109380 us-gaap:AgencySecuritiesMember 2025-12-31 0000109380 zions:AgencyGuaranteedMortgageBackedSecuritiesMember 2025-12-31 0000109380 zions:SmallBusinessAdministrationLoanBackedSecuritiesMember 2025-12-31 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember 2025-12-31 0000109380 zions:AvailableforsaleOtherdebtsecuritiesMember 2025-12-31 0000109380 us-gaap:USTreasurySecuritiesMember 2024-12-31 0000109380 us-gaap:AgencySecuritiesMember 2024-12-31 0000109380 zions:AgencyGuaranteedMortgageBackedSecuritiesMember 2024-12-31 0000109380 zions:SmallBusinessAdministrationLoanBackedSecuritiesMember 2024-12-31 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember 2024-12-31 0000109380 zions:AvailableforsaleOtherdebtsecuritiesMember 2024-12-31 0000109380 zions:AvailableForSaleUnrealizedGainsOtherMember srt:MaximumMember 2024-12-31 0000109380 zions:OtherDebtSecuritiesAvailableForSaleMember 2025-12-31 0000109380 zions:TaxableMember 2025-01-01 2025-12-31 0000109380 zions:NontaxableMember 2025-01-01 2025-12-31 0000109380 zions:TaxableMember 2024-01-01 2024-12-31 0000109380 zions:NontaxableMember 2024-01-01 2024-12-31 0000109380 zions:TaxableMember 2023-01-01 2023-12-31 0000109380 zions:NontaxableMember 2023-01-01 2023-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:LandAcquisitionAndDevelopmentMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:LandAcquisitionAndDevelopmentMember 2024-12-31 0000109380 us-gaap:AssetPledgedAsCollateralWithoutRightMember 2025-12-31 0000109380 us-gaap:AssetPledgedAsCollateralWithoutRightMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ClosedEndConsumerLoanMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember 2023-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2023-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2023-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:FinancialAsset30To89DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancialAssetPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:FinancialAsset30To89DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancialAssetPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember zions:FinancialAsset30To89DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancialAssetPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:FinancialAsset30To89DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancialAssetPastDueMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:FinancialAsset30To89DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancialAssetPastDueMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:FinancialAsset30To89DaysPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancialAssetPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember zions:FinancialAsset30To89DaysPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancialAssetPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember zions:FinancialAsset30To89DaysPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:FinancialAssetPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember zions:FinancialAsset30To89DaysPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:FinancialAssetPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember zions:FinancialAsset30To89DaysPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancialAssetPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-12-31 0000109380 us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0000109380 zions:FinancialAsset30To89DaysPastDueMember 2025-12-31 0000109380 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0000109380 us-gaap:FinancialAssetPastDueMember 2025-12-31 0000109380 us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:FinancialAsset30To89DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:FinancialAsset30To89DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember zions:FinancialAsset30To89DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:FinancialAsset30To89DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:FinancialAsset30To89DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:FinancialAsset30To89DaysPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember zions:FinancialAsset30To89DaysPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember zions:FinancialAsset30To89DaysPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember zions:FinancialAsset30To89DaysPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember zions:FinancialAsset30To89DaysPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2024-12-31 0000109380 us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0000109380 zions:FinancialAsset30To89DaysPastDueMember 2024-12-31 0000109380 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0000109380 us-gaap:FinancialAssetPastDueMember 2024-12-31 0000109380 us-gaap:FinancingReceivables1To29DaysPastDueMember 2024-12-31 0000109380 us-gaap:DoubtfulMember 2025-12-31 0000109380 us-gaap:DoubtfulMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PassMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:SpecialMentionMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:AccruingSubstandardMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:NonaccrualMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PassMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:SpecialMentionMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:AccruingSubstandardMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:NonaccrualMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:PassMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:SpecialMentionMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember zions:AccruingSubstandardMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember zions:NonaccrualMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:PassMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:SpecialMentionMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember zions:AccruingSubstandardMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember zions:NonaccrualMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PassMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:SpecialMentionMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:AccruingSubstandardMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:NonaccrualMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PassMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:SpecialMentionMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:AccruingSubstandardMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:NonaccrualMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PassMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:SpecialMentionMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:AccruingSubstandardMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:NonaccrualMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:PassMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:SpecialMentionMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember zions:AccruingSubstandardMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember zions:NonaccrualMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:PassMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:SpecialMentionMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember zions:AccruingSubstandardMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember zions:NonaccrualMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:PassMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:SpecialMentionMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember zions:AccruingSubstandardMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember zions:NonaccrualMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:PassMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:SpecialMentionMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember zions:AccruingSubstandardMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember zions:NonaccrualMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PassMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:SpecialMentionMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:AccruingSubstandardMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:NonaccrualMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PassMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:SpecialMentionMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:AccruingSubstandardMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:NonaccrualMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:PassMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:SpecialMentionMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember zions:AccruingSubstandardMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember zions:NonaccrualMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:PassMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:SpecialMentionMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember zions:AccruingSubstandardMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember zions:NonaccrualMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PassMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:SpecialMentionMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:AccruingSubstandardMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:NonaccrualMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PassMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:SpecialMentionMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:AccruingSubstandardMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:NonaccrualMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PassMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:SpecialMentionMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:AccruingSubstandardMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:NonaccrualMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:PassMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:SpecialMentionMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember zions:AccruingSubstandardMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember zions:NonaccrualMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:PassMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:SpecialMentionMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember zions:AccruingSubstandardMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember zions:NonaccrualMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:PassMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:SpecialMentionMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember zions:AccruingSubstandardMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember zions:NonaccrualMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:PassMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:SpecialMentionMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember zions:AccruingSubstandardMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember zions:NonaccrualMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember 2024-01-01 2024-12-31 0000109380 us-gaap:PaymentDeferralMember 2025-01-01 2025-12-31 0000109380 us-gaap:PaymentDeferralMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PaymentDeferralMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:MultipleModificationTypesMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PaymentDeferralMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:MultipleModificationTypesMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MultipleModificationTypesMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PaymentDeferralMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:MultipleModificationTypesMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PaymentDeferralMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:MultipleModificationTypesMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:MultipleModificationTypesMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PaymentDeferralMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:MultipleModificationTypesMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:PaymentDeferralMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember zions:MultipleModificationTypesMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:PaymentDeferralMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember zions:MultipleModificationTypesMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-01-01 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:MultipleModificationTypesMember 2025-01-01 2025-12-31 0000109380 us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-12-31 0000109380 us-gaap:ExtendedMaturityMember 2025-01-01 2025-12-31 0000109380 us-gaap:PrincipalForgivenessMember 2025-01-01 2025-12-31 0000109380 zions:MultipleModificationTypesMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PaymentDeferralMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:MultipleModificationTypesMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PaymentDeferralMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:MultipleModificationTypesMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:PaymentDeferralMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember zions:MultipleModificationTypesMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MultipleModificationTypesMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PaymentDeferralMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:MultipleModificationTypesMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PaymentDeferralMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:MultipleModificationTypesMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:MultipleModificationTypesMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PaymentDeferralMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:MultipleModificationTypesMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:PaymentDeferralMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember zions:MultipleModificationTypesMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:PaymentDeferralMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember zions:MultipleModificationTypesMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:PaymentDeferralMember 2024-01-01 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:MultipleModificationTypesMember 2024-01-01 2024-12-31 0000109380 us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-12-31 0000109380 us-gaap:ExtendedMaturityMember 2024-01-01 2024-12-31 0000109380 us-gaap:PrincipalForgivenessMember 2024-01-01 2024-12-31 0000109380 zions:MultipleModificationTypesMember 2024-01-01 2024-12-31 0000109380 us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-01-01 2025-12-31 0000109380 us-gaap:ExtendedMaturityAndInterestRateReductionMember 2024-01-01 2024-12-31 0000109380 srt:MaximumMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-12-31 0000109380 srt:MaximumMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:SingleFamilyResidentialMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:AgricultureProductionAndIndustrialBuildingsMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember zions:MultifamilyApartmentsMember 2025-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember srt:OfficeBuildingMember 2025-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:SingleFamilyResidentialMember 2025-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:RetailFacilityMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember zions:MultifamilyApartmentsMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember srt:OfficeBuildingMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:SingleFamilyResidentialMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember zions:SingleFamilyResidentialMember 2024-12-31 0000109380 us-gaap:SecuritiesSoldUnderAgreementsToRepurchaseMember us-gaap:AssetPledgedAsCollateralMember 2025-12-31 0000109380 us-gaap:USTreasurySecuritiesMember us-gaap:SecuritiesSoldUnderAgreementsToRepurchaseMember us-gaap:AssetPledgedAsCollateralMember 2025-12-31 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-12-31 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:OtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-12-31 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-12-31 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2024-12-31 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:OtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2024-12-31 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2024-12-31 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-12-31 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:OtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-12-31 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-12-31 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2024-12-31 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:OtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2024-12-31 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2024-12-31 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-12-31 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:OtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-12-31 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-12-31 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-12-31 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:OtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-12-31 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-12-31 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-12-31 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:OtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-12-31 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-12-31 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-12-31 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:OtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-12-31 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-12-31 0000109380 us-gaap:DesignatedAsHedgingInstrumentMember 2025-12-31 0000109380 us-gaap:OtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember 2025-12-31 0000109380 us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember 2025-12-31 0000109380 us-gaap:DesignatedAsHedgingInstrumentMember 2024-12-31 0000109380 us-gaap:OtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember 2024-12-31 0000109380 us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember 2024-12-31 0000109380 zions:InterestRateSwapsForCustomersMember us-gaap:NondesignatedMember 2025-12-31 0000109380 zions:InterestRateSwapsForCustomersMember us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2025-12-31 0000109380 zions:InterestRateSwapsForCustomersMember us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2025-12-31 0000109380 zions:InterestRateSwapsForCustomersMember us-gaap:NondesignatedMember 2024-12-31 0000109380 zions:InterestRateSwapsForCustomersMember us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2024-12-31 0000109380 zions:InterestRateSwapsForCustomersMember us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2024-12-31 0000109380 us-gaap:CommodityContractMember us-gaap:NondesignatedMember 2025-12-31 0000109380 us-gaap:CommodityContractMember us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2025-12-31 0000109380 us-gaap:CommodityContractMember us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2025-12-31 0000109380 us-gaap:CommodityContractMember us-gaap:NondesignatedMember 2024-12-31 0000109380 us-gaap:CommodityContractMember us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2024-12-31 0000109380 us-gaap:CommodityContractMember us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2024-12-31 0000109380 us-gaap:OtherContractMember us-gaap:NondesignatedMember 2025-12-31 0000109380 us-gaap:OtherContractMember us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2025-12-31 0000109380 us-gaap:OtherContractMember us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2025-12-31 0000109380 us-gaap:OtherContractMember us-gaap:NondesignatedMember 2024-12-31 0000109380 us-gaap:OtherContractMember us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2024-12-31 0000109380 us-gaap:OtherContractMember us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2024-12-31 0000109380 us-gaap:ForeignExchangeContractMember us-gaap:NondesignatedMember 2025-12-31 0000109380 us-gaap:ForeignExchangeContractMember us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2025-12-31 0000109380 us-gaap:ForeignExchangeContractMember us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2025-12-31 0000109380 us-gaap:ForeignExchangeContractMember us-gaap:NondesignatedMember 2024-12-31 0000109380 us-gaap:ForeignExchangeContractMember us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2024-12-31 0000109380 us-gaap:ForeignExchangeContractMember us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2024-12-31 0000109380 zions:PurchasedCreditDerivativeMember us-gaap:NondesignatedMember 2025-12-31 0000109380 zions:PurchasedCreditDerivativeMember us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2025-12-31 0000109380 zions:PurchasedCreditDerivativeMember us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2025-12-31 0000109380 zions:PurchasedCreditDerivativeMember us-gaap:NondesignatedMember 2024-12-31 0000109380 zions:PurchasedCreditDerivativeMember us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2024-12-31 0000109380 zions:PurchasedCreditDerivativeMember us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2024-12-31 0000109380 us-gaap:NondesignatedMember 2025-12-31 0000109380 us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2025-12-31 0000109380 us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2025-12-31 0000109380 us-gaap:NondesignatedMember 2024-12-31 0000109380 us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2024-12-31 0000109380 us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2024-12-31 0000109380 us-gaap:OtherAssetsMember 2025-12-31 0000109380 us-gaap:OtherLiabilitiesMember 2025-12-31 0000109380 us-gaap:OtherAssetsMember 2024-12-31 0000109380 us-gaap:OtherLiabilitiesMember 2024-12-31 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-01-01 2025-12-31 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-01-01 2025-12-31 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-01-01 2025-12-31 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-01-01 2025-12-31 0000109380 us-gaap:DesignatedAsHedgingInstrumentMember 2025-01-01 2025-12-31 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2024-01-01 2024-12-31 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2024-01-01 2024-12-31 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-01-01 2024-12-31 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-01-01 2024-12-31 0000109380 us-gaap:DesignatedAsHedgingInstrumentMember 2024-01-01 2024-12-31 0000109380 us-gaap:FairValueHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember 2025-12-31 0000109380 us-gaap:FairValueHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember 2024-12-31 0000109380 us-gaap:CashFlowHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember 2025-12-31 0000109380 us-gaap:CashFlowHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember 2024-12-31 0000109380 zions:InterestRateSwapsForCustomersMember us-gaap:NondesignatedMember 2025-01-01 2025-12-31 0000109380 zions:InterestRateSwapsForCustomersMember us-gaap:NondesignatedMember 2024-01-01 2024-12-31 0000109380 us-gaap:CommodityContractMember us-gaap:NondesignatedMember 2025-01-01 2025-12-31 0000109380 us-gaap:CommodityContractMember us-gaap:NondesignatedMember 2024-01-01 2024-12-31 0000109380 us-gaap:OtherContractMember us-gaap:NondesignatedMember 2025-01-01 2025-12-31 0000109380 us-gaap:OtherContractMember us-gaap:NondesignatedMember 2024-01-01 2024-12-31 0000109380 us-gaap:ForeignExchangeContractMember us-gaap:NondesignatedMember 2025-01-01 2025-12-31 0000109380 us-gaap:ForeignExchangeContractMember us-gaap:NondesignatedMember 2024-01-01 2024-12-31 0000109380 zions:PurchasedCreditDerivativeMember us-gaap:NondesignatedMember 2025-01-01 2025-12-31 0000109380 zions:PurchasedCreditDerivativeMember us-gaap:NondesignatedMember 2024-01-01 2024-12-31 0000109380 us-gaap:NondesignatedMember 2025-01-01 2025-12-31 0000109380 us-gaap:NondesignatedMember 2024-01-01 2024-12-31 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:FairValueHedgingMember 2025-01-01 2025-12-31 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:FairValueHedgingMember 2024-01-01 2024-12-31 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:FairValueHedgingMember 2025-01-01 2025-12-31 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:FairValueHedgingMember 2024-01-01 2024-12-31 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:FairValueHedgingMember 2025-12-31 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:FairValueHedgingMember 2024-12-31 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:FairValueHedgingMember 2025-12-31 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:FairValueHedgingMember 2024-12-31 0000109380 us-gaap:FairValueHedgingMember 2025-12-31 0000109380 srt:MinimumMember us-gaap:BuildingMember 2025-12-31 0000109380 srt:MaximumMember us-gaap:BuildingMember 2025-12-31 0000109380 srt:MinimumMember us-gaap:FurnitureAndFixturesMember 2025-12-31 0000109380 srt:MaximumMember us-gaap:FurnitureAndFixturesMember 2025-12-31 0000109380 srt:MinimumMember us-gaap:SoftwareAndSoftwareDevelopmentCostsMember 2025-12-31 0000109380 srt:MaximumMember us-gaap:SoftwareAndSoftwareDevelopmentCostsMember 2025-12-31 0000109380 zions:AmegyCorporationSegmentMember 2025-12-31 0000109380 zions:AmegyCorporationSegmentMember 2024-12-31 0000109380 zions:CaliforniaBankAndTrustSegmentMember 2025-12-31 0000109380 zions:CaliforniaBankAndTrustSegmentMember 2024-12-31 0000109380 zions:ZionsBankSegmentMember 2025-12-31 0000109380 zions:ZionsBankSegmentMember 2024-12-31 0000109380 zions:NevadaStateBankSegmentMember 2025-12-31 0000109380 zions:NevadaStateBankSegmentMember 2024-12-31 0000109380 zions:FirstBankCoachellaValleyBranchesMember 2025-03-16 2025-03-31 0000109380 us-gaap:FederalHomeLoanBankAdvancesMember 2025-01-01 2025-12-31 0000109380 us-gaap:FederalHomeLoanBankAdvancesMember 2024-01-01 2024-12-31 0000109380 us-gaap:FederalHomeLoanBankAdvancesMember 2025-12-31 0000109380 us-gaap:FederalHomeLoanBankAdvancesMember 2024-12-31 0000109380 us-gaap:FederalFundsPurchasedMember 2025-12-31 0000109380 us-gaap:FederalFundsPurchasedMember 2024-12-31 0000109380 us-gaap:SecuritiesSoldUnderAgreementsToRepurchaseMember 2025-12-31 0000109380 us-gaap:SecuritiesSoldUnderAgreementsToRepurchaseMember 2024-12-31 0000109380 zions:SwapMarginCollateralMember 2025-12-31 0000109380 zions:SwapMarginCollateralMember 2024-12-31 0000109380 us-gaap:FederalReserveBankAdvancesMember 2025-12-31 0000109380 us-gaap:FederalReserveBankAdvancesMember 2024-12-31 0000109380 us-gaap:FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseMember 2025-01-01 2025-12-31 0000109380 zions:SeniorNotesInterestRate4.70PercentMember 2025-12-31 0000109380 zions:SeniorNotesInterestRate4.70PercentMember 2025-09-30 0000109380 zions:SubordinatedNotesInterestRate6.82PercentMember 2025-12-31 0000109380 zions:SubordinatedNotesInterestRate325PercentMember 2025-12-31 0000109380 zions:SubordinatedNotesInterestRate325PercentMember us-gaap:SubordinatedDebtMember 2025-12-31 0000109380 zions:SubordinatedNotesInterestRate6.82PercentMember us-gaap:SubordinatedDebtMember 2025-12-31 0000109380 zions:SubordinatedNotesInterestRate6.82PercentMember us-gaap:SubordinatedDebtMember 2025-01-01 2025-12-31 0000109380 zions:SeniorNotesInterestRate4.70PercentMember us-gaap:SeniorDebtObligationsMember 2025-12-31 0000109380 zions:SeniorNotesInterestRate4.70PercentMember us-gaap:SeniorDebtObligationsMember 2025-01-01 2025-12-31 0000109380 zions:SubordinatedNotesInterestRate4.48PercentMember srt:ScenarioForecastMember us-gaap:SubordinatedDebtMember us-gaap:SubsequentEventMember 2028-02-09 2028-02-09 0000109380 us-gaap:SubordinatedDebtMember 2025-12-31 0000109380 us-gaap:SeniorDebtObligationsMember 2025-12-31 0000109380 us-gaap:SeriesAPreferredStockMember 2025-12-31 0000109380 us-gaap:SeriesAPreferredStockMember 2024-12-31 0000109380 us-gaap:SeriesAPreferredStockMember 2025-01-01 2025-12-31 0000109380 2025-02-28 0000109380 2024-02-29 0000109380 zions:ShareRepurchaseProgramPubliclyAnnouncedMember 2025-01-01 2025-12-31 0000109380 zions:ShareRepurchaseProgramStockCompensationPlanMember 2025-01-01 2025-12-31 0000109380 zions:ShareRepurchaseProgramPubliclyAnnouncedMember 2024-01-01 2024-12-31 0000109380 zions:ShareRepurchaseProgramStockCompensationPlanMember 2024-01-01 2024-12-31 0000109380 us-gaap:SubsequentEventMember 2026-01-31 0000109380 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2024-12-31 0000109380 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2024-12-31 0000109380 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2024-12-31 0000109380 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-01-01 2025-12-31 0000109380 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-01-01 2025-12-31 0000109380 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-12-31 0000109380 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-12-31 0000109380 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2025-12-31 0000109380 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2023-12-31 0000109380 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2023-12-31 0000109380 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2023-12-31 0000109380 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2024-01-01 2024-12-31 0000109380 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2024-01-01 2024-12-31 0000109380 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-01-01 2025-12-31 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2024-01-01 2024-12-31 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2023-01-01 2023-12-31 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-01-01 2025-12-31 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2024-01-01 2024-12-31 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2023-01-01 2023-12-31 0000109380 us-gaap:StandbyLettersOfCreditMember 2025-12-31 0000109380 us-gaap:StandbyLettersOfCreditMember 2024-12-31 0000109380 us-gaap:PerformanceGuaranteeMember 2025-12-31 0000109380 us-gaap:PerformanceGuaranteeMember 2024-12-31 0000109380 srt:MinimumMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:ZionsBankSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:ZionsBankSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:ZionsBankSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CaliforniaBankAndTrustSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:AmegyCorporationSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:AmegyCorporationSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:AmegyCorporationSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:ZionsBankSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:ZionsBankSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:ZionsBankSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CaliforniaBankAndTrustSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:AmegyCorporationSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:AmegyCorporationSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:AmegyCorporationSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:ZionsBankSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:ZionsBankSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:ZionsBankSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CaliforniaBankAndTrustSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:AmegyCorporationSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:AmegyCorporationSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:AmegyCorporationSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsFeesMember zions:ZionsBankSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsFeesMember zions:ZionsBankSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsFeesMember zions:ZionsBankSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsFeesMember zions:CaliforniaBankAndTrustSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsFeesMember zions:AmegyCorporationSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsFeesMember zions:AmegyCorporationSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsFeesMember zions:AmegyCorporationSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:ZionsBankSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:ZionsBankSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:ZionsBankSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CaliforniaBankAndTrustSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:AmegyCorporationSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:AmegyCorporationSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:AmegyCorporationSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:ZionsBankSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:ZionsBankSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:ZionsBankSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CaliforniaBankAndTrustSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:AmegyCorporationSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:AmegyCorporationSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:AmegyCorporationSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ZionsBankSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ZionsBankSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ZionsBankSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:CaliforniaBankAndTrustSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:CaliforniaBankAndTrustSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:CaliforniaBankAndTrustSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:AmegyCorporationSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:AmegyCorporationSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:AmegyCorporationSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NationalBankOfArizonaSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NationalBankOfArizonaSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NationalBankOfArizonaSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NevadaStateBankSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NevadaStateBankSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NevadaStateBankSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:VectraBankColoradoSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:VectraBankColoradoSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:VectraBankColoradoSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NationalBankOfArizonaSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NationalBankOfArizonaSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NationalBankOfArizonaSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NevadaStateBankSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NevadaStateBankSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NevadaStateBankSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:VectraBankColoradoSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:VectraBankColoradoSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:VectraBankColoradoSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NationalBankOfArizonaSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NationalBankOfArizonaSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NationalBankOfArizonaSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NevadaStateBankSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NevadaStateBankSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NevadaStateBankSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:VectraBankColoradoSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:VectraBankColoradoSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:VectraBankColoradoSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsFeesMember zions:NationalBankOfArizonaSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsFeesMember zions:NationalBankOfArizonaSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsFeesMember zions:NationalBankOfArizonaSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsFeesMember zions:NevadaStateBankSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsFeesMember zions:NevadaStateBankSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsFeesMember zions:NevadaStateBankSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsFeesMember zions:VectraBankColoradoSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsFeesMember zions:VectraBankColoradoSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsFeesMember zions:VectraBankColoradoSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NationalBankOfArizonaSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NationalBankOfArizonaSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NationalBankOfArizonaSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NevadaStateBankSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NevadaStateBankSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NevadaStateBankSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:VectraBankColoradoSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:VectraBankColoradoSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:VectraBankColoradoSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NationalBankOfArizonaSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NationalBankOfArizonaSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NationalBankOfArizonaSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NevadaStateBankSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NevadaStateBankSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NevadaStateBankSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:VectraBankColoradoSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:VectraBankColoradoSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:VectraBankColoradoSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:NationalBankOfArizonaSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:NationalBankOfArizonaSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:NationalBankOfArizonaSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:NevadaStateBankSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:NevadaStateBankSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:NevadaStateBankSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:VectraBankColoradoSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:VectraBankColoradoSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:VectraBankColoradoSegmentMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CommerceBankOfWashingtonSegmentMember 2023-01-01 2023-12-31 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCommercialAccountFeesMember 2025-01-01 2025-12-31 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCommercialAccountFeesMember 2024-01-01 2024-12-31 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCommercialAccountFeesMember 2023-01-01 2023-12-31 0000109380 zions:ProductsAndServicesCommercialAccountFeesMember 2025-01-01 2025-12-31 0000109380 zions:ProductsAndServicesCommercialAccountFeesMember 2024-01-01 2024-12-31 0000109380 zions:ProductsAndServicesCommercialAccountFeesMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CommerceBankOfWashingtonSegmentMember 2023-01-01 2023-12-31 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCardFeesMember 2025-01-01 2025-12-31 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCardFeesMember 2024-01-01 2024-12-31 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCardFeesMember 2023-01-01 2023-12-31 0000109380 zions:ProductsAndServicesCardFeesMember 2025-01-01 2025-12-31 0000109380 zions:ProductsAndServicesCardFeesMember 2024-01-01 2024-12-31 0000109380 zions:ProductsAndServicesCardFeesMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CommerceBankOfWashingtonSegmentMember 2023-01-01 2023-12-31 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2025-01-01 2025-12-31 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2024-01-01 2024-12-31 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2023-01-01 2023-12-31 0000109380 zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2025-01-01 2025-12-31 0000109380 zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2024-01-01 2024-12-31 0000109380 zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsFeesMember zions:CommerceBankOfWashingtonSegmentMember 2023-01-01 2023-12-31 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCapitalMarketsFeesMember 2025-01-01 2025-12-31 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCapitalMarketsFeesMember 2024-01-01 2024-12-31 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCapitalMarketsFeesMember 2023-01-01 2023-12-31 0000109380 zions:ProductsAndServicesCapitalMarketsFeesMember 2025-01-01 2025-12-31 0000109380 zions:ProductsAndServicesCapitalMarketsFeesMember 2024-01-01 2024-12-31 0000109380 zions:ProductsAndServicesCapitalMarketsFeesMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CommerceBankOfWashingtonSegmentMember 2023-01-01 2023-12-31 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesWealthManagementFeesMember 2025-01-01 2025-12-31 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesWealthManagementFeesMember 2024-01-01 2024-12-31 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesWealthManagementFeesMember 2023-01-01 2023-12-31 0000109380 zions:ProductsAndServicesWealthManagementFeesMember 2025-01-01 2025-12-31 0000109380 zions:ProductsAndServicesWealthManagementFeesMember 2024-01-01 2024-12-31 0000109380 zions:ProductsAndServicesWealthManagementFeesMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CommerceBankOfWashingtonSegmentMember 2023-01-01 2023-12-31 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2025-01-01 2025-12-31 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2024-01-01 2024-12-31 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2023-01-01 2023-12-31 0000109380 zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2025-01-01 2025-12-31 0000109380 zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2024-01-01 2024-12-31 0000109380 zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2023-01-01 2023-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:CommerceBankOfWashingtonSegmentMember 2025-01-01 2025-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:CommerceBankOfWashingtonSegmentMember 2024-01-01 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:CommerceBankOfWashingtonSegmentMember 2023-01-01 2023-12-31 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember 2025-01-01 2025-12-31 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember 2024-01-01 2024-12-31 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember 2023-01-01 2023-12-31 0000109380 zions:DefinedContributionPlanMatchingTrancheOneMember 2025-01-01 2025-12-31 0000109380 zions:DefinedContributionPlanMatchingTrancheTwoMember 2025-01-01 2025-12-31 0000109380 srt:MinimumMember 2025-12-31 0000109380 srt:MaximumMember 2025-12-31 0000109380 us-gaap:SupplementalEmployeeRetirementPlanDefinedBenefitMember 2025-12-31 0000109380 us-gaap:SupplementalEmployeeRetirementPlanDefinedBenefitMember 2024-12-31 0000109380 us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember 2024-12-31 0000109380 us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember 2025-12-31 0000109380 us-gaap:EmployeeStockOptionMember 2025-01-01 2025-12-31 0000109380 zions:ExercisePriceRangeFourPointOneFiveToNineteenPointNineNineMember 2025-01-01 2025-12-31 0000109380 zions:ExercisePriceRangeFourPointOneFiveToNineteenPointNineNineMember 2025-12-31 0000109380 zions:ExercisePriceRangeFortyPointZeroZeroToFortyFourPointNineNineMember 2025-01-01 2025-12-31 0000109380 zions:ExercisePriceRangeFortyPointZeroZeroToFortyFourPointNineNineMember 2025-12-31 0000109380 zions:ExercisePriceRangeFortyFivePointZeroZeroToFortyNinePointNineNineMember 2025-01-01 2025-12-31 0000109380 zions:ExercisePriceRangeFortyFivePointZeroZeroToFortyNinePointNineNineMember 2025-12-31 0000109380 zions:ExercisePriceRangeFiftyPointZeroZeroToFiftyNinePointNineNineMember 2025-01-01 2025-12-31 0000109380 zions:ExercisePriceRangeFiftyPointZeroZeroToFiftyNinePointNineNineMember 2025-12-31 0000109380 zions:ExercisePriceRangeSixtyPointZeroZeroToSeventyThreePointTwoTwoMember 2025-01-01 2025-12-31 0000109380 zions:ExercisePriceRangeSixtyPointZeroZeroToSeventyThreePointTwoTwoMember 2025-12-31 0000109380 us-gaap:RestrictedStockMember 2025-01-01 2025-12-31 0000109380 us-gaap:RestrictedStockUnitsRSUMember 2025-12-31 0000109380 us-gaap:RestrictedStockUnitsRSUMember 2025-01-01 2025-12-31 0000109380 srt:DirectorMember us-gaap:RestrictedStockUnitsRSUMember 2025-01-01 2025-12-31 0000109380 srt:DirectorMember us-gaap:RestrictedStockUnitsRSUMember 2024-01-01 2024-12-31 0000109380 srt:DirectorMember us-gaap:RestrictedStockUnitsRSUMember 2023-01-01 2023-12-31 0000109380 us-gaap:RestrictedStockMember 2022-12-31 0000109380 us-gaap:RestrictedStockMember 2023-01-01 2023-12-31 0000109380 us-gaap:RestrictedStockMember 2023-12-31 0000109380 us-gaap:RestrictedStockMember 2024-01-01 2024-12-31 0000109380 us-gaap:RestrictedStockMember 2024-12-31 0000109380 us-gaap:RestrictedStockMember 2025-12-31 0000109380 us-gaap:RestrictedStockUnitsRSUMember 2022-12-31 0000109380 us-gaap:RestrictedStockUnitsRSUMember 2023-01-01 2023-12-31 0000109380 us-gaap:RestrictedStockUnitsRSUMember 2023-12-31 0000109380 us-gaap:RestrictedStockUnitsRSUMember 2024-01-01 2024-12-31 0000109380 us-gaap:RestrictedStockUnitsRSUMember 2024-12-31 0000109380 stpr:CA 2025-01-01 2025-12-31 0000109380 stpr:CA 2024-01-01 2024-12-31 0000109380 stpr:CA 2023-01-01 2023-12-31 0000109380 stpr:UT 2025-01-01 2025-12-31 0000109380 stpr:UT 2024-01-01 2024-12-31 0000109380 stpr:UT 2023-01-01 2023-12-31 0000109380 us-gaap:StateAndLocalTaxJurisdictionOtherMember 2025-01-01 2025-12-31 0000109380 us-gaap:StateAndLocalTaxJurisdictionOtherMember 2024-01-01 2024-12-31 0000109380 us-gaap:StateAndLocalTaxJurisdictionOtherMember 2023-01-01 2023-12-31 0000109380 zions:RestrictedStockAndRestrictedStockUnitsRSUsMember 2025-01-01 2025-12-31 0000109380 zions:RestrictedStockAndRestrictedStockUnitsRSUsMember 2024-01-01 2024-12-31 0000109380 zions:RestrictedStockAndRestrictedStockUnitsRSUsMember 2023-01-01 2023-12-31 0000109380 us-gaap:EmployeeStockOptionMember 2025-01-01 2025-12-31 0000109380 us-gaap:EmployeeStockOptionMember 2024-01-01 2024-12-31 0000109380 us-gaap:EmployeeStockOptionMember 2023-01-01 2023-12-31 0000109380 stpr:UT zions:ZionsBankSegmentMember 2025-12-31 0000109380 stpr:ID zions:ZionsBankSegmentMember 2025-12-31 0000109380 stpr:WY zions:ZionsBankSegmentMember 2025-12-31 0000109380 stpr:CA zions:CaliforniaBankAndTrustSegmentMember 2025-12-31 0000109380 stpr:TX zions:AmegyCorporationSegmentMember 2025-12-31 0000109380 stpr:AZ zions:NationalBankOfArizonaSegmentMember 2025-12-31 0000109380 stpr:NV zions:NevadaStateBankSegmentMember 2025-12-31 0000109380 stpr:CO zions:VectraBankColoradoSegmentMember 2025-12-31 0000109380 stpr:NM zions:VectraBankColoradoSegmentMember 2025-12-31 0000109380 stpr:WA zions:CommerceBankOfWashingtonSegmentMember 2025-12-31 0000109380 stpr:OR zions:CommerceBankOfWashingtonSegmentMember 2025-12-31 0000109380 zions:FirstBankCoachellaValleyBranchesMember 2025-03-31 0000109380 2025-10-01 2025-12-31 0000109380 2025-07-01 2025-09-30 0000109380 2025-04-01 2025-06-30 0000109380 2025-01-01 2025-03-31 0000109380 2024-10-01 2024-12-31 0000109380 2024-07-01 2024-09-30 0000109380 2024-04-01 2024-06-30 0000109380 2024-01-01 2024-03-31

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 , 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 of America
87-0189025
(State or other jurisdiction of
incorporation or organization) (IRS Employer
Identification Number)
One South Main , Salt Lake City, Utah
84133-1109
(Address of principal executive offices) (Zip Code)

Registrant’s telephone number, including area code: ( 801 ) 844-7637
Securities registered pursuant to Section 12(b) of the Act:
Title of Each Class Trading Symbols Name of Each Exchange on Which Registered
Common Stock, par value $0.001
ZION The NASDAQ Stock Market LLC
Depositary Shares each representing a 1/40th ownership interest in a share of:
Series A Floating-Rate Non-Cumulative Perpetual Preferred Stock
ZIONP The NASDAQ Stock Market LLC

Securities registered pursuant to Section 12(g) of the Act: None.
• Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ý No ¨
• Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes ¨ No ý
• Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ý No ¨
• Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ý No ¨
• Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
Large accelerated filer ý Accelerated filer ☐ Non-accelerated filer ☐ Smaller reporting company ☐ Emerging growth company ☐
• If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨
• Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. ý
• If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements. ☐
• Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b). ☐
• Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ¨ No ý
Aggregate Market Value of Common Stock Held by Non-affiliates at June 30, 2025: $ 7,521,166,801
Number of Common Shares Outstanding at February 9, 2026: 147,888,829 shares
Number of Registered Common Shareholders at February 9, 2026: 3,313 shareholders
Documents Incorporated by Reference:
Part III: Items 10-14 — Proxy Statement for the 2026 Annual Meeting of Shareholders to be held May 1, 2026.
1

ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

TABLE OF CONTENTS

PART I

Item 1.
Business
5

Item 1A.
Risk Factors
14

Item 1B.
Unresolved Staff Comments
26

Item 1C.
Cybersecurity
26

Item 2.
Properties
28

Item 3.
Legal Proceedings
28

Item 4.
Mine Safety Disclosures
28

PART II

Item 5.
Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities
28

Item 6.
Reserved
30

Item 7.
Management’s Discussion and Analysis of Financial Condition and Results of Operations
30

Item 7A.
Quantitative and Qualitative Disclosures About Market Risk
86

Item 8.
Financial Statements and Supplementary Data
86

Item 9.
Changes in and Disagreements with Accountants on Accounting and Financial Disclosure
154

Item 9A.
Controls and Procedures
154

Item 9B.
Other Information
155

Item 9C.
Disclosure Regarding Foreign Jurisdictions that Prevent Inspections
155

PART III

Item 10.
Directors, Executive Officers , and Corporate Governance
155

Item 11.
Executive Compensation
155

Item 12.
Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters
155

Item 13.
Certain Relationships and Related Transactions, and Director Independence
155

Item 14.
Principal Account ant Fees and Services
156

PART IV

Item 15.
Exhibits and Financial Statement Schedules
156

Item 16.
Form 10-K Summary
160

Signatures
161

2

Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

GLOSSARY OF ACRONYMS AND ABBREVIATIONS

ACL Allowance for Credit Losses Fintech Financial Technology Company
AFS Available-for-Sale FRB Federal Reserve Board
AI Artificial Intelligence FX Foreign Exchange
ALCO Asset Liability Committee GAAP Generally Accepted Accounting Principles
ALLL Allowance for Loan and Lease Losses GCF General Collateral Funding
Amegy Amegy Bank, a division of Zions Bancorporation, National Association HECL Home Equity Credit Line
AML Anti-Money Laundering HTM Held-to-Maturity
AOCI Accumulated Other Comprehensive Income IPO Initial Public Offering
ASC Accounting Standards Codification IRS Internal Revenue Service
ASU Accounting Standards Update ISDA International Swaps and Derivative Association
ATM Automated Teller Machine KBW Keefe, Bruyette & Woods, Inc.
BOLI Bank-Owned Life Insurance KRX KBW Regional Bank Index
bps Basis Points LEED Leadership in Energy and Environmental Design
BSA Bank Secrecy Act LTV Loan-to-Value
CB&T California Bank & Trust, a division of Zions Bancorporation, National Association MD&A Management’s Discussion and Analysis
CET1 Common Equity Tier 1 NASDAQ National Association of Securities Dealers Automated Quotations
CFPB Consumer Financial Protection Bureau NBAZ National Bank of Arizona, a division of Zions Bancorporation, National Association
CIRCIA Cyber Incident Reporting for Critical Infrastructure Act NDFI Nondepository Financial Institution
CISA Cybersecurity and Infrastructure Agency NIM Net Interest Margin
CISO Chief Information Security Officer NM Not Meaningful
CLTV Combined Loan-to-Value Ratio NSB Nevada State Bank, a division of Zions Bancorporation, National Association
CMC Capital Management Committee OCC Office of the Comptroller of the Currency
CODM Chief Operating Decision Maker OCI Other Comprehensive Income
COSO Committee of Sponsoring Organizations of the Treadway Commission OREO Other Real Estate Owned
CRA Community Reinvestment Act PCAOB Public Company Accounting Oversight Board
CRE Commercial Real Estate PCD Purchase Credit Deteriorated
CSA Credit Support Annex PEI Private Equity Investment
CSV Cash Surrender Value PPNR Pre-provision Net Revenue
CVA Credit Valuation Adjustment ROC Risk Oversight Committee
DTA Deferred Tax Asset ROU Right-of-Use
DTL Deferred Tax Liability RSU Restricted Stock Unit
EaR Earnings at Risk RULC Reserve for Unfunded Lending Commitments
EPS Earnings per Share S&P Standard and Poor’s
ERM Enterprise Risk Management SBA U.S. Small Business Administration
ERMC Enterprise Risk Management Committee SBIC Small Business Investment Company
ETO Enterprise and Technology Operations SEC Securities and Exchange Commission
EVE Economic Value of Equity SOFR Secured Overnight Financing Rate
FAMC Federal Agricultural Mortgage Corporation, or “Farmer Mac” TCBW The Commerce Bank of Washington, a division of Zions Bancorporation, National Association
FDIC Federal Deposit Insurance Corporation U.S. United States
FDICIA Federal Deposit Insurance Corporation Improvement Act Vectra Vectra Bank Colorado, a division of Zions Bancorporation, National Association
FHLB Federal Home Loan Bank VIE Variable Interest Entity
FICO Fair Isaac Corporation Zions Bank Zions Bank, a division of Zions Bancorporation, National Association

3

Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

PART I

FORWARD-LOOKING INFORMATION
This annual report contains “forward-looking statements” as defined under the Private Securities Litigation Reform Act of 1995. These statements reflect management’s current expectations and assumptions regarding future events and outcomes. However, they are inherently subject to known and unknown risks, uncertainties, and other factors that could cause actual results, performances, achievements, industry developments, or regulatory outcomes to differ materially from those expressed or implied. Forward-looking statements may include, among others:
• Statements concerning the beliefs, plans, objectives, goals, targets, commitments, designs, guidelines, expectations, anticipations, and future financial condition, operating results, and performance of Zions Bancorporation, National Association, and its subsidiaries (collectively “Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” “us”); and
• Statements preceded or followed by, or that include, terminology such as “may,” “might,” “can,” “continue,” “could,” “should,” “would,” “believe,” “anticipate,” “estimate,” “forecast,” “expect,” “intend,” “target,” “commit,” “design,” “plan,” “project,” “will,” or similar words and expressions, including their negative forms.
Forward-looking statements are not guarantees and should not be relied upon as representing management’s views as of any subsequent date. Actual results and outcomes may differ materially from those presented. Although the following list is not comprehensive, key factors that may cause material differences include:
• The quality and composition of our loan and investment securities portfolios and the quality and composition of our deposits;
• Changes in general industry, political, and economic conditions, including increases in the national debt, elevated or persistent inflation, economic slowdowns or recessions, and other macroeconomic challenges; changes in interest rates or reference rates, which could negatively impact our revenues and expenses, the valuation and performance of our assets and liabilities, and the availability and cost of capital and liquidity;
• Political developments, including government shutdowns and other significant disruptions and changes in the funding, size, scope, and effectiveness of the government and its agencies and services;
• The effects of newly enacted and proposed regulations affecting us and the banking industry, as well as changes and uncertainties in the interpretation, enforcement, and applicability of laws and fiscal, monetary, regulatory, trade, and tax policies;
• Actions taken by governments, agencies, central banks, and similar organizations, including those that result in decreases in revenue, increases in regulatory bank fees, insurance assessments, and capital standards; and other regulatory requirements;
• Evolving trade policies and disputes, such as proposed and implemented tariffs and resulting market volatility and uncertainty, including the effects on supply chains, expenses, and revenues for both us and our customers;
• Judicial, regulatory and administrative inquiries, investigations, examinations or proceedings and the outcomes thereof that create uncertainty for, or are adverse to, us or the banking industry;
• Changes in our credit ratings;
• The growing presence of credit unions, financial technology companies (“fintechs”), and other emerging competitors within the financial services industry, including in the markets in which we operate;
• Our ability to innovate and address competitive pressures and other factors that may affect aspects of our business, such as pricing, the relevance of and demand for our products and services, and our ability to recruit and retain talent;
• The potential for both positive and disruptive impacts of emerging technologies, including stablecoins and other digital currencies, tokenized deposits, blockchain, artificial intelligence (“AI”), quantum computing, and related innovations affecting both us and the banking industry;
4

Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

• Our ability to complete projects and initiatives and execute our strategic plans, manage our risks, control compensation and other expenses, and achieve our business objectives;
• Our ability to develop and maintain technology and information security systems, along with effective controls designed to guard against fraud, cybersecurity, and privacy risks and related incidents, particularly given the accelerating pace at which threat actors are developing and deploying increasingly sophisticated and targeted tactics against the financial services industry;
• The occurrence of fraud, theft, or other forms of misconduct perpetrated by external parties, including customers and business partners, or by our own employees;
• Our ability to provide adequate oversight of our suppliers to help us prevent or mitigate effects upon us and our customers of inadequate performance, systems failures, or cyber and other incidents by, or affecting, third parties upon whom we rely for the delivery of various products and services;
• The effects of wars, geopolitical conflicts, and other local, national, or international disasters, crises, or conflicts that may occur in the future;
• Natural disasters, pandemics, wildfires, catastrophic events, and other emergencies and incidents, and their impact on our operations, our customers’ business, and the communities we serve, including the increasing difficulty and expense of obtaining property, auto, business, and other insurance products;
• Diverging and evolving policy, legal, regulatory, and political developments—combined with differing stakeholder perspectives related to governance, environmental, and social matters—may subject us to potentially conflicting requirements and expectations;
• Securities and capital markets behavior, including volatility and changes in market liquidity and our ability to raise capital;
• The possibility that our recorded goodwill could become impaired, which may have an adverse impact on our earnings and shareholders’ equity;
• The impact of bank closures or adverse developments at other banks on general investor sentiment regarding the stability and liquidity of banks;
• Adverse news and other expressions of negative public opinion—whether directed at us, other financial institutions, the banking industry, or the broader market—that may adversely affect our reputation and the industry more broadly; and
• Other assumptions, risks, or uncertainties described in this annual report, including in Part I, Item 1A. Risk Factors, and other Securities and Exchange Commission (“SEC”) filings.
We caution against placing undue reliance on forward-looking statements, as they reflect our views only as of the date they are issued. Except as required by law, we expressly disclaim any obligation to update any factors or publicly announce revisions to forward-looking statements to reflect future events or developments.

ITEM 1. BUSINESS
DESCRIPTION OF BUSINESS
Zions Bancorporation, National Association (“Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” “us”) is a bank headquartered in Salt Lake City, Utah, with annual net revenue (net interest income and noninterest income) of $3.4 billion in 2025, and total assets of approximately $89 billion at December 31, 2025. We provide a wide range of banking products and related services, primarily in 11 Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. At December 31, 2025, we had more than one million customers, served through 407 branches and various online, mobile, and digital channels, and we had 9,195 full-time equivalent employees.
Our operations are organized principally through seven separately managed, geographically defined bank divisions, which we refer to as “affiliates,” or “affiliate banks,” each operating under its own local brand and management team: Zions Bank; California Bank & Trust (“CB&T”); Amegy Bank (“Amegy”); National Bank of Arizona (“NBAZ”); Nevada State Bank (“NSB”); Vectra Bank Colorado (“Vectra”); and The Commerce Bank of
5

Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

Washington (“TCBW”), which also operates as The Commerce Bank of Oregon in Oregon. These affiliate banks constitute our primary operating segments.
We emphasize local authority and accountability, including locally informed pricing and product customization, to maximize customer satisfaction, strengthen community relationships, and improve profitability and shareholder returns.
The affiliate banks are supported by an enterprise-level segment—referred to as the “Other” segment— which provides governance and risk oversight, capital allocation, and strategic objectives, and includes centralized technology infrastructure, back-office operations, and certain business lines that are not managed through the affiliate structure. For more information about our segments, see “Operating Segment Results” in Management’s Discussion and Analysis (“MD&A”) on page 45 and Note 22 of the Notes to Consolidated Financial Statements.

PRODUCTS AND SERVICES
We strive to cultivate enduring relationships with our customers by offering competitive products and delivering high-quality service. Establishing and maintaining these relationships is fundamental to understanding and fulfilling our customers’ evolving needs. Our portfolio of products and services—whether provided through digital platforms or traditional channels—include the following:
Commercial and Small Business Banking
We support a broad range of commercial customers, primarily small- and medium-sized businesses. Our suite of products and services includes:
• Commercial, industrial, and owner-occupied lending and leasing, including SBA 7(a) and 504 lending programs
• Municipal and public finance services
• Depository account and cash management services
• Commercial and small business credit cards, along with merchant processing services
• Corporate trust services
• Correspondent banking and international lending services
Capital Markets and Investment Banking
We offer customized financing solutions to help customers raise capital efficiently, execute strategic transactions, and manage exposure to financial markets. Our capital markets offerings include:
• Loan syndication and private credit placement services
• Interest rate and commodities risk management and foreign exchange services
• Fixed income and equity securities underwriting
• Mergers and acquisitions advisory services
• Strategic advisory and capital raising services
• Commercial mortgage-backed securities conduit lending
• Power and project finance solutions
Commercial Real Estate (“CRE”) Lending
We offer financing solutions secured by commercial real estate, serving a broad spectrum of borrowers. Our products include:
• Term and construction/land development financing, including, but not limited to, the following collateral types:
◦ Multifamily, industrial, retail, and office properties
◦ Residential single-family, community development, and affordable housing projects
6

Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

Retail Banking
We provide a wide range of quality retail banking products and services, including:
• Residential mortgage lending
• Home equity lines of credit
• Personal lines of credit and installment loans
• Depository account services
• Consumer credit cards
• Personal trust services
Wealth Management
Our wealth management solutions are designed to provide planning-driven strategies, personalized advisory services, and sophisticated asset management capabilities. Services primarily include:
• Investment management
• Fiduciary and estate planning
• Advanced business succession and estate planning solutions

COMPETITION
We operate in a highly competitive environment. Our primary competitors for loans, deposits, and other banking services generally include commercial banks, credit unions, fintechs, and private credit or debt funds. Many of these financial institutions lack a physical presence within our geographic footprint, but actively pursue business through digital channels and other remote means. Credit unions, however, are particularly prominent, active, and competitive within several of our footprint states, including Utah and Idaho, which heightens local competition for customers and deposits.
Additional competition arises from finance companies, mutual fund providers, insurance companies, brokerage firms, securities dealers, investment banks, nondepository financial institutions (“NDFIs”), and other nontraditional financial institutions. Many of these competitors operate under fewer regulatory constraints and possess greater capabilities to develop, deploy, and deliver innovative financial products, services, and technologies. They may also benefit from lower operating costs, tax advantages, and reduced regulatory burdens.
The financial services industry is experiencing rapid technological transformation, marked by the continual introduction of new technology-driven products and services. These innovations include advanced methods for customers to make payments and manage accounts, such as mobile payment solutions, digital wallets, and digital assets.
Our competitive strengths lie in the quality of service we provide, our deep understanding of the local communities we serve, the accessibility of our branch and office network, the breadth of our products and services offerings, and the strength of our customer relationships. We strive to compete effectively in these areas to remain successful.
SUPERVISION AND REGULATION
The banking and financial services industry in which we operate is highly regulated. These regulations are designed to promote the safety, soundness, and stability of financial institutions, while safeguarding the interests of customers, depositors, communities, the Deposit Insurance Fund, and the broader financial system. These regulations are generally not intended to protect shareholders, investors, or non-depositor creditors.
Federal banking laws and regulations grant regulatory agencies broad authority to supervise and influence many aspects of the financial services industry. Furthermore, changes to applicable laws or regulations—along with the manner in which they are interpreted, implemented, or enforced—are inherently unpredictable and could materially impact our operations and financial performance.
7

Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

General
We are governed by the National Bank Act and other statutes applicable to national banks, and we are subject to the regulatory oversight of the Office of the Comptroller of the Currency (“OCC”), the Consumer Financial Protection Bureau (“CFPB”), and the Federal Deposit Insurance Corporation (“FDIC”). Additionally, the Bank and certain of our subsidiaries are regulated by various other federal and state agencies, each of which may exercise significant supervisory and examination authority over our operations. For example, the Bank's investment advisory subsidiary, our broker-dealer operations, and certain capital markets activities are subject to regulation by the SEC. Our brokerage subsidiary is further subject to regulation by the Financial Industry Regulatory Authority, and state securities regulators.
The National Bank Act
Our corporate governance is primarily subject to the National Bank Act and related regulations administered by the OCC. As a national bank, we are not directly governed by the Securities Act of 1933 (“Securities Act”) with respect to securities matters; instead, we comply with OCC regulations that establish requirements for securities offerings and related reporting obligations.
Our common stock and certain other securities are registered under the Securities Exchange Act of 1934 (“Exchange Act”), which authorizes the OCC to administer and enforce specific provisions of the Exchange Act applicable to national banks. Notwithstanding this regulatory framework, we voluntarily submit filings required under the Exchange Act to the SEC. The statutory and regulatory frameworks applicable to us as a national bank are comparatively less developed than the corporate and securities law frameworks that govern many other publicly traded companies.
Capital Standards – Basel III Framework
We are subject to regulatory capital standards, including risk-based capital requirements established by the OCC under the Basel III framework. At December 31, 2025, we exceeded all capital adequacy requirements under the Basel III capital framework, which includes specific risk-based capital ratio requirements prescribed by the OCC. The Basel III capital rules define the components of regulatory capital and incorporate factors such as risk weightings that influence capital ratio calculations for banking institutions.
Under the Basel III capital rules, we are required to maintain minimum capital ratios, along with a 2.5% capital conservation buffer intended to absorb losses during periods of economic stress. This buffer is composed entirely of common equity Tier 1 (“CET1”). Financial institutions with CET1 ratios above the minimum but below the buffer threshold are subject to limitations on dividend distributions, equity repurchases, and discretionary compensation. The extent of these restrictions is determined by the size of the shortfall and the institution’s “eligible retained income,” defined as the greater of (1) net income over the preceding four quarters, adjusted for distributions and related tax effects not reflected in net income, or (2) the average net income over the same four-quarter period.
For more information about our capital ratios, see “Capital Management” in MD&A on page 80.
Prompt Corrective Action
The Federal Deposit Insurance Corporation Improvement Act (“FDICIA”) requires that each federal banking agency take prompt corrective action to address deficiencies in insured depository institutions, particularly those that fall below established minimum capital ratio thresholds. Under FDICIA, the FDIC has implemented regulations that classify insured depository institutions into five capital categories based on their capital ratios: (1) well capitalized, (2) adequately capitalized, (3) undercapitalized, (4) significantly undercapitalized, and (5) critically undercapitalized.
Under the prompt corrective action provisions of FDICIA, as amended by the Basel III capital framework, an insured depository institution is generally considered well capitalized if it maintains a:
• CET1 capital ratio of at least 6.5%
• Tier 1 risk-based capital ratio of at least 8%
• Total risk-based capital ratio of at least 10%
• Tier 1 leverage ratio of at least 5%.
8

Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

Conversely, an insured depository institution is generally deemed undercapitalized if it has a:
• CET1 capital ratio below 4.5%
• Tier 1 risk-based capital ratio below 6%
• Total risk-based capital ratio below 8%
• Tier 1 leverage ratio below 4%.
Institutions classified as well capitalized, adequately capitalized, or undercapitalized, may also be reclassified to a lower capital category if the appropriate federal banking regulator determines—after providing notice and an opportunity for a hearing—that the institution is operating in an unsafe or unsound condition, or engaging in unsafe or unsound practices.
Each successive lower capital classification imposes increasingly more stringent restrictions and prohibitions. These may include limitations on asset growth, interest rates paid on deposits, the acceptance of brokered deposits, and dividend payments. Institutions that fall into any undercapitalized category are required to submit a capital restoration plan to their federal banking regulator.
At December 31, 2025, all of our capital amounts and ratios exceeded the thresholds required to be considered “well-capitalized” under the prompt corrective action framework. The following schedule presents minimum capital ratio requirements, the capital conservation buffer, our capital ratios at December 31, 2025, and the thresholds required to be considered well capitalized:
MINIMUM CAPITAL RATIO AND CAPITAL CONSERVATION BUFFER REQUIREMENTS

December 31, 2025
Minimum capital requirement Capital conservation buffer Minimum capital ratio requirement with capital conservation buffer Current capital
ratio Minimum requirement to be “well capitalized”

CET1 to risk-weighted assets 4.5% 2.5% 7.0% 11.5% 6.5%
Tier 1 risk-based capital (i.e., CET1 plus additional Tier 1 capital) to risk-weighted assets
6.0% 2.5% 8.5% 11.6% 8.0%
Total risk-based capital (i.e., Tier 1 capital plus Tier 2 capital) to risk-weighted assets
8.0% 2.5% 10.5% 13.8% 10.0%
Tier 1 leverage ratio (i.e., Tier 1 risk-based capital) to average consolidated assets
4.0% N/A 4.0% 9.0% 5.0%

Regulatory Developments
Basel III Endgame
In July 2023, federal banking regulators issued a proposal to implement the Basel Committee on Banking Supervision’s finalized post-crisis regulatory capital reforms. Commonly referred to as the “Basel III Endgame,” this proposal would significantly revise capital requirements for large banking organizations, defined as those with total assets of $100 billion or more. At December 31, 2025, we had $89.0 billion in total assets and do not yet meet the definition of a large banking organization. The Federal Reserve has indicated its intention to collaborate with other federal banking regulators on a revised proposal in 2026. The timing, substance, and potential impact of any re-proposal remain uncertain.
Long-term Debt
In August 2023, federal banking regulators issued a proposal to expand the long-term debt requirement to include all banks with total assets of $100 billion or more. Under the proposed rule, these banks would be required to maintain an outstanding amount of eligible long-term debt equal to the greatest of: (1) 6% of total risk-weighted assets, (2) 2.5% of total leverage exposure, or (3) 3.5% of average total assets. If our total assets were to reach
9

Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

$100 billion or more, we would have a three-year implementation period to issue the necessary debt and comply with other requirements. The timing and structure of any final rule implementing these requirements remain uncertain.
Heightened Standards
In December 2025, the OCC proposed raising the asset threshold at which its “Heightened Standards” for safety and soundness apply—from $50 billion to $700 billion in total consolidated assets. If adopted as proposed, the Bank would no longer be subject to the Heightened Standards, including the prescriptive requirements governing covered banks’ risk governance frameworks and related activities.
Capital Planning and Stress Testing
We utilize stress testing as an important tool for informing decisions regarding the appropriate level of capital to maintain under adverse economic conditions. These tests are based on hypothetical scenarios that reflect a severity comparable to those published by the Federal Reserve Board (“FRB”). Our most recent internal stress test incorporated assumptions including:
• Rising unemployment rates
• Declining CRE values
• Higher losses on consumer loans driven by falling residential property prices
• Increased credit losses on commercial loans due to deteriorating asset values and reduced economic activity
• Additional disruptions across economic, financial, and social domains.
The results of this stress test demonstrated that, under these hypothetical conditions, we would continue to maintain capital ratios above the regulatory minimum requirements and the capital conservation buffer throughout a nine-quarter stress horizon.
Liquidity
We utilize internal liquidity stress testing as a key mechanism for establishing and managing liquidity guidelines. These guidelines address the composition of investment securities and other liquid assets, the availability of contingency funding, the concentration of funding sources, and the maturity structure of liabilities.
At December 31, 2025, our available liquidity sources exceeded the level of uninsured deposits, without requiring the sale of any investment securities. We continue to actively manage our deposit portfolio and associated funding costs in response to changes in the interest rate environment. For more information about our liquidity profile, see “Liquidity Risk Management” in MD&A on page 75.
Financial Privacy and Cybersecurity
Federal legislation and regulatory frameworks have established comprehensive requirements governing the use and protection of consumer information by banks and other financial institutions. The Gramm-Leach-Bliley Act and related regulations, among other provisions, restrict the disclosure of nonpublic personal information to unaffiliated third parties, require financial institutions to provide clear privacy notices to consumers and, in certain cases, offer consumers certain rights to opt out of specific disclosures. Additionally, these regulations require the implementation of a comprehensive cybersecurity program incorporating administrative, technical, and physical safeguards to ensure the security and confidentiality of customer records and information.
We are also subject to United States (“U.S.”) federal regulations issued by federal banking regulators that require, among other things, banking organizations to notify their primary regulator as soon as possible, and no later than 36 hours, after identifying a “computer-security incident” that has materially disrupted or degraded—or is reasonably likely to materially disrupt or degrade—operations in a manner that could jeopardize the organization's viability, prevent customers from accessing deposit and other accounts, result in a material loss of revenue, profit or franchise value, or pose a threat to the stability of the U.S. financial sector. In addition, federal banking regulators, the SEC,
10

Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

and related self-regulatory organizations regularly issue guidance intended to strengthen cybersecurity risk management across financial institutions.
Under the Fair Credit Reporting Act, consumers have the right to restrict the sharing of certain information—such as credit report details and financial data collected through applications—among affiliated companies when such information is used to determine eligibility for financial products or services. Additionally, U.S. federal and state laws and regulations allow consumers to direct financial institutions not to share information regarding their transactions and experiences with affiliates or non-affiliates for marketing or non-marketing purposes. We, along with our nonbanking subsidiaries, are also subject to rules and regulations issued by the Federal Trade Commission that prohibit unfair or deceptive acts and practices, including those related to privacy and cybersecurity.
In recent years, both federal and state regulators have increased efforts to implement and enforce privacy and cybersecurity standards and regulations. For example, the Cyber Incident Reporting for Critical Infrastructure Act (“CIRCIA”), will—once rulemaking is finalized—require certain companies to report significant cyber incidents to the Cybersecurity and Infrastructure Agency (“CISA”) within 72 hours of reasonably determining that an incident has occurred, and within 24 hours of making any ransom payment resulting from a ransomware attack. On April 4, 2024, the CISA proposed a rule under the CIRCIA to clarify the scope of reportable cyber incidents and to define covered entities, expressly including financial services companies that are already required to report cyber incidents to their primary federal regulators. Although CIRCIA initially required CISA to finalize its regulations by October 4, 2025, the deadline has been extended to May 2026.
Concurrently, a growing number of states—including those in which we operate—have enacted or are considering legislation, such as the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020, which enhances consumer privacy rights, mandates data breach notifications, and requires certain financial institutions to establish robust and prescriptive cybersecurity programs. In addition, laws in all 50 U.S. states require businesses to notify consumers under certain circumstances when personal information has been compromised due to a data breach. Moreover, the U.S. Congress has considered—and is likely to continue considering—additional privacy and cybersecurity legislation that could apply to us if enacted.
The regulatory landscape surrounding privacy and cybersecurity continues to evolve rapidly and remains a key area of focus for lawmakers and financial banking regulators at both the state and federal levels.
Open Banking
In October 2024, the CFPB issued a final rule under Section 1033 of the Dodd-Frank Act, establishing new data access requirements applicable to various entities within the financial services ecosystem—including financial institutions, data aggregators, and third-party providers authorized by consumers to access financial information on their behalf. Among other provisions, the rule requires certain entities, including the Bank, to provide consumers, upon request, with access to information in their possession or control related to consumer financial products or services obtained from the Bank. The current compliance deadline for a bank of our size is April 1, 2027. We are taking steps to achieve compliance by the deadline; however, the rule is currently subject to litigation, which has been stayed while the CFPB considers revisions to or replacement of the final rule.
Resolution and Recovery Planning
The FDIC requires banks with total assets of $100 billion or more that are not affiliates of U.S. global systemically important banking organizations to submit comprehensive resolution plans, including an identified resolution strategy, every three years. Banks with total assets between $50 billion and $100 billion, including us, are required to provide more limited information every three years. Additionally, the FDIC requires that these banks submit interim supplemental information regarding resolution planning during off-cycle years. We completed and submitted our initial informational filing on October 1, 2025.
11

Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

Other Regulations and Proposals
We are subject to a wide range of requirements and restrictions under both federal and state laws. These regulatory frameworks and legislative proposals encompass, but are not limited to, the following areas:
• Limitations on Dividends Payable to Shareholders — Our ability to declare and pay dividends on both common and preferred stock is subject to regulatory restrictions. For further details, see Note 15 of the Notes to Consolidated Financial Statements.
• Safety and Soundness Standards — Prescribed in FDICIA, these standards relate to internal controls, information systems, internal audit functions, loan documentation, credit underwriting practices, interest rate risk management, asset growth, executive compensation, and other operational and management standards deemed appropriate by federal banking regulators.
• Safety and Soundness Enforcement — In October 2025, the FDIC and OCC issued a proposed rule that would define the term “unsafe or unsound practice” for purposes of their enforcement authority under the Federal Deposit Insurance Act. The proposed definition focuses on whether a practice is likely to materially harm—or has already materially harmed—the financial condition of an institution.
• Approval of Acquisitions and Restrictions on Other Activities — The National Bank Act requires regulatory and shareholder approval for mergers involving national and state banks. The Act prohibits direct mergers between national banks and unaffiliated nonbank entities. Additional laws and regulations governing national banks impose similar requirements on acquisitions and permissible activities. See further discussion in “Risk Factors.”
• Limits on Interchange Fees — Under the Dodd-Frank Act, interchange fees for electronic debit transactions must be reasonable and proportionate to transaction processing costs. In October 2023, the Federal Reserve proposed amendments to Regulation II that would reduce the maximum allowable debit interchange fee by nearly 30% and implement a biennial review of the fee cap without public comment. This proposal is currently subject to litigation, which may impact its implementation. If enacted as proposed, the revised regulation could reduce our annual fee income by approximately $10 million or more.
• Limitations on Loans — Regulations impose restrictions on the aggregate dollar amount of loans that may be extended to a single borrower and its affiliates.
• Limitations on Transactions with Affiliates — Federal laws limit the nature and extent of transactions between banks and their affiliates to mitigate conflicts of interest and ensure financial stability.
• Limitations on Investments and Securities Activities — Restrictions apply to the types and amounts of permissible investments; banks may also face limitations on underwriting certain securities, including common equity.
• Branch Operations — Opening and closing branch locations is subject to regulatory approval and procedural requirements.
• Consumer Protection Laws — A number of federal and state consumer protection laws—including fair lending and truth in lending laws—provide equitable access to credit and safeguard consumers in financial transactions. As a bank with total assets exceeding $10 billion, we are subject to examination and primary enforcement authority with respect to consumer financial laws by the CFPB, which holds broad rulemaking, supervisory, and enforcement authority. These regulations often impact revenue and shareholder returns.
• Community Reinvestment Act (“CRA”) — The CRA requires banks to help meet the credit needs of the communities they serve, especially low- and moderate-income individuals. Noncompliance may result in supervisory consequences, including the denial of applications to establish or relocate branches, add subsidiaries or affiliates, or pursue mergers and acquisitions. In October 2023, federal banking regulators implemented substantial revisions to the CRA evaluation framework, making compliance more challenging. However, in July 2025, the regulators issued a joint notice of proposed rulemaking to rescind the October 2023 final rule and revert to the prior CRA framework. The earlier framework currently remains in effect due to a preliminary injunction that stayed implementation of the October 2023 rule.
• Compensation Requirements — Regulations govern the structure, timing, and documentation of incentive compensation for executives and other key personnel. These include requirements related to deferral, risk-balancing, governance, and clawback provisions—such as those under the SEC’s pay versus performance
12

Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

disclosure rules. Deficiencies in compensation practices may influence supervisory ratings and affect our ability to pursue acquisitions or other strategic activities and may result in regulatory enforcement actions.
• Anti-Money Laundering (“AML”) Regulations — We are subject to the Bank Secrecy Act (“BSA”), Title III of the Uniting and Strengthening of America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (“USA Patriot Act”), and other federal laws aimed at preventing money laundering, terrorist financing, and other illicit activities. These laws require financial institutions to maintain robust policies, procedures, and controls to detect and report suspicious activity. Regulatory agencies possess broad enforcement authority, including the ability to impose significant civil and criminal penalties, restitution orders, and cease-and-desist directives under AML, BSA, and Office of Foreign Assets Control regulations.
• Tax laws — We are subject to U.S. federal, state, and applicable local tax laws governing our operations.
We are subject to the Sarbanes-Oxley Act of 2002, certain provisions of the Dodd-Frank Act, and other applicable federal and state laws and regulations. These frameworks govern critical aspects of corporate operations, including corporate governance, auditing and accounting practices, internal controls over financial reporting, and the timely and comprehensive disclosure of material corporate information.
We actively monitor emerging developments in sustainability standards, including federal and state regulations, as well as evolving expectations from our stakeholders. We strive to enhance our operations through the integration of sustainable practices that we believe deliver long-term value for our investors, customers, employees, and the communities we serve. Examples of these initiatives include:
• Development of a Leadership in Energy and Environmental Design (“LEED”) Platinum-certified technology campus and other LEED-certified facilities
• Implementation of water conservation systems
• Adoption of remote deposit capture and electronic forms and signatures
• Financing renewable energy and energy efficiency projects
• Subsidizing employee use of public transportation
Compliance with laws and regulations such as California's Climate Corporate Data Accountability Act (SB 253)—which requires public reporting of direct and indirect greenhouse gas emissions—is expected to continue increasing operational costs and may present challenges due to potential conflicts with other state and federal requirements or restrictions on business activities in certain jurisdictions.
Corporate Governance
Our Board of Directors (“Board”) provides oversight of management’s implementation of a comprehensive corporate governance and risk management framework. This framework is supported by a robust set of policies, guidelines, and committee charters designed to promote ethical conduct, accountability, and effective oversight. Key components include:
• Corporate Governance Guidelines
• Code of Business Conduct and Ethics for Employees
• Code of Ethics for Directors
• Risk Management Framework
• Related Party Transactions Policy
• Incentive Compensation Recoupment and Clawback Policies
• Stock Ownership and Retention Guidelines
• Insider Trading Policy
• Charters for the Audit, Risk Oversight, Compensation, and Nominating and Corporate Governance Committees
Additional information regarding our corporate governance practices is available on our website at www.zionsbancorporation.com. The website is not incorporated by reference into this Form 10-K.
13

Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

HUMAN CAPITAL MANAGEMENT
We are committed to providing our employees with opportunities for growth, development, and leadership, while recognizing and rewarding their contributions to our collective success. Our ongoing efforts to strengthen our brand presence in the markets we serve are designed to attract and retain a high-performing workforce, which is an essential driver of our long-term success and value creation for our investors. The following strategic objectives and initiatives are integral to our human capital management efforts:
Cultivating an environment where everyone is respected and valued
We are committed to fostering a workplace where every individual is respected, valued, and empowered to succeed. Our organization prioritizes employee growth, development, and leadership potential, providing opportunities that are based on merit, qualifications, and abilities. We strive to maintain a workplace where everyone is treated with fairness and mutual respect, reinforcing our belief that every individual matters.
Attracting, developing, and retaining talent for long-term success
We are focused on attracting, developing, and retaining highly qualified individuals who reflect the diverse markets we serve. To achieve this, we prioritize three areas: (1) recruiting top talent, (2) fostering career growth and professional development, and (3) proactively building a pipeline for future leadership opportunities. As part of this strategy, we continuously evaluate emerging skill requirements to help keep our workforce equipped to meet evolving demands.
Recognizing the competitive nature of today's labor market, we actively monitor key metrics related to recruitment and retention. These insights inform our decisions on compensation and work arrangements, helping us remain responsive to the workforce environment and well-positioned for long-term success.
Aligned with our strategic objectives, we invest in employee training and development, offering access to a comprehensive suite of tools and resources designed to enhance capabilities. Our enterprise-wide learning platform offers more than 20,000 programs and resources—including digital courses and structured learning paths—enabling employees to tailor development plans to their individual goals. Our talent development framework emphasizes a balanced approach that integrates education, hands-on experience, and exposure to a broad range of job functions.
Recognizing, engaging, and rewarding our employees
Our comprehensive rewards and recognition programs are designed to acknowledge exceptional performance, strengthen employee retention, and enhance the overall employee experience through meaningful recognition and opportunities for advancement. We provide performance-based incentives to individuals who demonstrate accountability and contribute to the achievement of business objectives while maintaining a strong risk management framework.

ITEM 1A. RISK FACTORS
Our ability to generate revenue and expand our business is inherently linked to the prudent and strategic management of risk. These risks are comprehensively defined within our Risk Management Framework, which serves as the foundation for our enterprise-wide approach to risk oversight.
To promote effective governance, the Board has established several specialized committees: the Audit Committee, the Compensation Committee, and the Risk Oversight Committee (“ROC”). Additionally, the Enterprise Risk Management Committee (“ERMC”), chaired by the Chief Risk Officer and comprised of senior management, is responsible for implementing and maintaining the Risk Management Framework. These committees collectively oversee various risk categories, as defined in our risk taxonomy. These include credit risk, interest rate and market risk, liquidity risk, strategic and business risk, operational risk, technology risk, cybersecurity risk, capital/financial reporting risk, legal/compliance risk (including regulatory risk), and reputational risk.
14

Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

In the “Risk Management” section in MD&A on page 56, we describe certain policies, procedures, and internal controls designed to identify, assess, and manage these risks. However, despite these measures, we cannot guarantee that all risks will be effectively prevented or mitigated, nor can we eliminate their potential impact on our operations or financial performance.
Although not comprehensive, the following sections outline the significant risk factors that could affect our business.
CREDIT RISK
Credit quality has negatively impacted our performance in the past and may continue to do so in the future.
Credit risk is one of our most significant risks. Adverse macroeconomic conditions—such as rising or persistently elevated interest rates, heightened market volatility, or a weakening U.S. economy at both the national and local markets in which we operate—could result in, among other things, deterioration in credit quality and reduced credit demand. These developments may adversely impact income generated from our loan and investment portfolios, lead to increased charge-offs, and require higher provisions for credit losses. For example, we recently incurred significant credit losses in connection with revolving lines of credit extended to two related commercial borrowers to finance the origination and purchase of commercial and residential mortgages.
We have a concentration of risk associated with certain counterparties, which may present unique risk characteristics that could adversely impact our financial results.
Exposure to concentrations of risk among counterparties may have an adverse effect on our financial performance. Similar risk profiles across our loan and investment securities portfolios could pose additional credit risk. Additionally, concentrations involving counterparties in derivative or securities financing transactions may heighten this exposure, increasing our vulnerability to adverse developments affecting those entities.
We have a concentration of risk within our loan portfolio, including, but not limited to, loans secured by real estate, oil and gas-related lending, and leveraged and enterprise value lending. These loan types carry unique risk characteristics that could adversely impact our financial results.
We engage in CRE term and construction lending, primarily within our Western U.S. footprint. Certain CRE collateral types—particularly multifamily, industrial, and office properties—currently face elevated vacancy rates, declining property valuations, rent concessions, and increased operating costs. These market dynamics could lead to higher levels of loan delinquencies and defaults.
Additionally, our portfolio includes oil and gas-related lending, as well as leveraged and enterprise value loans across our geographic footprint. These exposures carry distinct risks, including regulatory and societal responses to environmental and climate-related concerns, commodity price volatility, and the potential for significant and sustained declines in collateral values and sector activity. Adverse developments in these portfolios could result in increased credit losses and reduced loan demand, negatively impacting both our financial performance and that of our customers.
Our business performance is highly correlated with local economic conditions in specific geographic regions of the U.S.
We operate through seven separately managed affiliate banks across our Western U.S. footprint. At December 31, 2025, our banking operations in Utah, Idaho, Texas, and California represented 77% of our commercial lending portfolio, 72% of our CRE lending portfolio, and 71% of our consumer lending portfolio.
This geographic concentration results in our financial performance being closely tied to economic conditions within these key markets. Accordingly, any adverse developments—such as economic downturns, climate-related disruptions, or natural disasters—could disproportionately affect these states, leading to higher credit losses and materially impacting our overall business operations and financial results.
For further details regarding our industry-specific lending exposures and credit risk management practices, see “Credit Risk Management” in MD&A on page 56.
15

Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

INTEREST RATE AND MARKET RISK
Adverse economic conditions could negatively affect our performance and overall financial condition.
Adverse economic conditions present significant risks to our business, potentially impacting our loan and investment portfolios, capital adequacy, operating results, and overall financial condition. A slowing economy—combined with inflationary pressures, changes in monetary and fiscal policy, fluctuating interest rates, and declining valuations of fixed-rate assets—can amplify these risks.
Additionally, external factors such as tariffs, export controls, sanctions, restrictive immigration policies, elevated unemployment, civil unrest, and other political or trade-related developments affecting domestic and global markets may heighten economic uncertainty. Collectively, these conditions could lead to reduced loan demand, higher credit losses, and lower fee income, among other adverse effects.
Failure to adequately manage interest rate risk could have a material adverse impact on our financial results.
Net interest income represents the largest component of our total revenue, and its performance is subject to a variety of external factors that can significantly influence the interest rate environment. These factors include changes in prevailing market interest rates, competitive pricing pressures for loans and deposits, unfavorable shifts in the composition of deposits and other funding sources, and volatility in interest rates driven by broader economic conditions and policy decisions by governmental and regulatory agencies—particularly the FRB. The FRB’s reduction of the federal funds rate in 2025, for example, introduced additional uncertainty into market expectations and contributed to heightened volatility in asset pricing, funding costs, and customer behavior.
A substantial portion of our balance sheet is sensitive to interest rate fluctuations. Disparities in rate sensitivity between assets and liabilities may result in unanticipated changes in their valuations, as well as related income and expense levels. Customer behavior can also significantly impact asset and liability outcomes; for instance, customers may choose to withdraw deposits or prepay loans, which can materially affect our expected cash flows. This risk has been heightened by technological advancements that enable deposits to be transferred electronically with greater ease and speed.
For more information on our approach to managing interest rate risk and market risk, see “Interest Rate and Market Risk Management” in MD&A on page 72.
LIQUIDITY RISK
Fluctuations in the availability and sources of liquidity and capital could restrict our operational flexibility and constrain future growth opportunities.
Our primary source of liquidity is customer deposits, which can be influenced by market-related forces such as increased competition, the adoption of emerging technologies—including stablecoins and tokenized deposits—and various other external factors. If we are unable to fund assets through customer deposits or access alternative funding sources on favorable terms—or if we encounter rising borrowing costs, increased FDIC insurance assessments, or are unable to manage liquidity effectively—our liquidity position, operating margins, financial condition, and overall financial performance could be materially and adversely affected.
We also rely on our investment securities portfolio as a source of contingent liquidity through cash flows, maturities, and secured borrowing capacity. The portfolio consists of instruments that can be readily pledged or converted to cash and is managed to support our asset‑liability profile by helping to mitigate interest rate mismatches between loans and deposits. Any unexpected changes in portfolio runoff, market valuations, or the availability of secured borrowing markets could adversely affect our liquidity position and the effectiveness of our asset‑liability management strategies.
The Federal Reserve’s monetary policy decisions, along with broader economic conditions, may continue to influence our liquidity position and related risk management strategies. The Federal Home Loan Bank (“FHLB”) system and Federal Reserve remain significant sources of supplementary liquidity and funding. However, access to FHLB advances is subject to specific eligibility requirements and conditions, and such funding may not always be
16

Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES