SEC EDGAR · 10-Q
10-Q – 2025-08-07 – zions-20250630.htm
391172 tecken · 3 HTML-del(ar)
Automatiskt nyckeltalsindex
Detta är sökträffar och textkontext, inte verifierade eller normaliserade redovisningsvärden.
Omsättning
- Item 2. Unregistered Sales of Equity Securities and Use of Proceeds | 90
- CRE Commercial Real Estate PEI Private Equity Investment | CVA Credit Valuation Adjustment PPNR Pre-provision Net Revenue | DTA Deferred Tax Asset ROU Right-of-Use
- • 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;
- Executive Summary | Our financial performance in the second quarter of 2025, relative to the prior year period, reflected solid growth in net earnings, diluted earnings per share (“EPS”), and adjusted pre-provision net revenue (“PPNR”). Diluted EPS increased to $1.63, compared with $1.28 in the second quarter of 2024, as higher net interest income and noninterest income, along with a lower provision for credit losses, were partially offset by increased noninterest expense. | • Net interest income increased $51 million, or 9%, compared with the prior year period, primarily due to lower funding costs and an increase in average interest-earning assets. As a result, the net interest margin improved to 3.17%, compared with 2.98%.
- Net interest income accounted for 77% of total net revenue (sum of net interest income plus noninterest income) in both the second quarters of 2025 and 2024. It increased $51 million, or 9%, for the three months ended June 30, 2025, relative to the same prior year period. This increase was primarily due to lower funding costs and growth in average interest-earning assets. As a result, the net interest margin improved to 3.17%, compared with 2.98%. | The following chart presents the changes in yields on average interest-earning assets:
- Noninterest Income | Noninterest income is comprised of revenue generated from products and services that typically do not bear an associated interest rate or yield. It is categorized as either customer-related or noncustomer-related. Customer-related noninterest income excludes items such as securities gains and losses, dividends, and insurance-related income. | Noninterest income accounted for 23% of total net revenue (sum of net interest income plus noninterest income) in both the second quarters of 2025 and 2024. It increased $11 million, or 6%, for the three months ended June 30, and $26 million, or 8%, for the six months ended June 30, 2025, relative to the same prior year period. The following schedule presents a comparison of the major components of noninterest income:
- Noninterest income is comprised of revenue generated from products and services that typically do not bear an associated interest rate or yield. It is categorized as either customer-related or noncustomer-related. Customer-related noninterest income excludes items such as securities gains and losses, dividends, and insurance-related income. | Noninterest income accounted for 23% of total net revenue (sum of net interest income plus noninterest income) in both the second quarters of 2025 and 2024. It increased $11 million, or 6%, for the three months ended June 30, and $26 million, or 8%, for the six months ended June 30, 2025, relative to the same prior year period. The following schedule presents a comparison of the major components of noninterest income: | NONINTEREST INCOME
- Noninterest expense increased $18 million, or 4%, relative to the prior year quarter. Salaries and employee benefits expense increased $18 million, primarily due to higher incentive compensation accruals as a result of improved profitability. Other noninterest expense increased $6 million, largely driven by increases in certain legal reserves and the success fee accrual associated with the IPO of the previously discussed SBIC investment. These increases were partially offset by a $4 million decl | Adjusted noninterest expense increased $15 million, or 3%. The efficiency ratio improved to 62.2%, compared with 64.5%, reflecting positive operating leverage as adjusted pre-provision net revenue increased $38 million, or 14%. For more information on non-GAAP financial measures, see page 40. | For the six months ended June 30, 2025, noninterest expense increased $30 million, or 3%, relative to the same prior year period. Salaries and employee benefits expense increased $29 million, primarily due to higher incentive compensation accruals and increased benefits and severance-related expenses. Other noninterest expense increased $12 million, partly due to a $3 million impairment of certain long-lived assets, in addition to items previously discussed. Technology, telecom, and information
Periodens resultat
- 1 Includes amounts related to common shares acquired through our publicly announced plans and those acquired in connection with our stock compensation plan. These shares were acquired from employees to cover their payroll taxes and stock option exercise costs upon the exercise of stock options. | Pursuant to the OCC’s “Earnings Limitation Rule,” dividend payments are limited to the sum of net income for the current fiscal year and retained earnings for the two preceding years, unless prior approval is obtained from the
- Income taxes 68 61 137 111 | Net income 244 201 414 354
- Net income for the period $ 244 $ 201 $ 414 $ 354 | Other comprehensive income, net of tax:
- Balance at March 31, 2025 $ 66 147,567 $ 1,706 $ 6,805 $ ( 2,250 ) $ 6,327 | Net income for the period — — — 244 — 244 | Other comprehensive income, net of tax
- Balance at March 31, 2024 $ 440 147,653 $ 1,705 $ 6,293 $ ( 2,609 ) $ 5,829 | Net income for the period — — — 201 — 201 | Other comprehensive income, net of tax
- Balance at December 31, 2024 $ 66 147,871 $ 1,737 $ 6,701 $ ( 2,380 ) $ 6,124 | Net income for the period — — — 414 — 414 | Other comprehensive income, net of tax
- Balance at December 31, 2023 $ 440 148,153 $ 1,731 $ 6,212 $ ( 2,692 ) $ 5,691 | Net income for the period — — — 354 — 354 | Other comprehensive income, net of tax
- CASH FLOWS FROM OPERATING ACTIVITIES | Net income for the period $ 414 $ 354 | Adjustments to reconcile net income to net cash provided by operating activities:
Resultat per aktie
- EaR Earnings at Risk S&P Standard & Poor's | EPS Earnings per Share SBA U.S. Small Business Administration | EVE Economic Value of Equity SBIC Small Business Investment Company
- Net Earnings Applicable to Common Shareholders | (in millions) Diluted EPS Adjusted PPNR | (in millions) 1
- Executive Summary | Our financial performance in the second quarter of 2025, relative to the prior year period, reflected solid growth in net earnings, diluted earnings per share (“EPS”), and adjusted pre-provision net revenue (“PPNR”). Diluted EPS increased to $1.63, compared with $1.28 in the second quarter of 2024, as higher net interest income and noninterest income, along with a lower provision for credit losses, were partially offset by increased noninterest expense. | • Net interest income increased $51 million, or 9%, compared with the prior year period, primarily due to lower funding costs and an increase in average interest-earning assets. As a result, the net interest margin improved to 3.17%, compared with 2.98%.
- The following schedule presents the weighted average stock awards that were anti-dilutive and not included in the calculation of diluted earnings per share:
Kassaflöde
- Term CRE loans typically mature within three to seven years and may include full, partial, and non-recourse guarantee structures. Standard term CRE loan structures feature annually tested operating covenants that require loan rebalancing based on minimum debt service coverage, debt yield, or loan-to-value (“LTV”) ratios. Construction and land development loans generally mature in 18 to 36 months and contain full or partial recourse guarantee structures, with one- to five-year extension options o | Underwriting for commercial properties primarily focuses on the economic viability of the project, with significant consideration given to the creditworthiness and experience of the sponsor. We generally require that the owner’s equity be invested prior to any advances. Loan agreements often include remargining requirements (equity infusions required upon a decline in the value or cash flow of the collateral) and sponsor guarantees.
- As previously disclosed, we utilize derivative instruments to manage interest rate risk. The following schedule presents derivatives designated in qualifying hedging relationships at June 30, 2025. It includes the average outstanding derivative notional amounts for each reporting period presented and the weighted-average fixed rates paid or received across cash flow and fair value hedge categories. For more information regarding our hedge accounting strategies and the impact of these hedging rel
- (Dollar amounts in millions) Third Quarter Fourth Quarter First Quarter Second Quarter Third Quarter Fourth Quarter First Quarter Second Quarter | Cash flow hedges | Cash flow hedges of assets 1
- Cash flow hedges | Cash flow hedges of assets 1
- 1 Cash flow hedges of assets consist of receive-fixed swaps hedging pools of floating-rate loans. | 2 Fair value debt hedges consist of receive-fixed swaps that hedge fixed-rate subordinated debt.
- 3 Fair value asset hedges consist of pay-fixed swaps that hedge fixed-rate AFS securities and fixed-rate commercial loans. | At June 30, 2025, we had $60 million of net losses deferred in accumulated other comprehensive income (“AOCI”) related to terminated cash flow hedges. These deferred amounts are amortized into interest income on a straight-line basis over the original maturity periods of the respective hedges, provided the forecasted transactions are expected to occur. For more information regarding amounts deferred in AOCI from terminated cash flow hedges, see “Interest Rate and Market Risk Management” in our 2 | Earnings at Risk (EaR) and Economic Value of Equity (EVE)
- Emergent interest rate sensitivity reflects the projected, incremental changes in net interest income resulting from future interest rate movements, measured relative to the latent level of net interest income. Assuming interest rates follow the forward curve as of July 9, 2025, emergent sensitivity is modeled to reduce net interest income by approximately 5.8% from the latent level, yielding a cumulative increase of 4.1% in net interest income. Under a parallel interest rate shock of +/- 100 bp | Our strategic focus on business banking plays a significant role in our asset-liability management approach. At June 30, 2025, $28.9 billion of commercial and CRE loans were scheduled to reprice within the next six months. To manage the interest rate exposure associated with these variable-rate loans, we executed $750 million in cash flow hedges by receiving fixed rates through interest rate swaps. Additionally, at June 30, 2025, $4.4 billion in variable-rate consumer loans were also scheduled t | Fixed Income
- We are subject to market risk arising from fluctuations in the fair value of financial instruments, including trading securities and interest rate swaps used to hedge interest rate exposure. Our underwriting activities include municipal and corporate securities, and we actively trade in municipal, agency, and U.S. Treasury securities. These activities expose us to potential losses resulting from adverse price movements in fixed-income markets. | Changes in the fair value of AFS securities and interest rate swaps that qualify as cash flow hedges are recognized in AOCI each reporting period. For additional information on investment securities and AOCI, refer to the “Capital Management” section on page 38. For more information on the accounting treatment of investment securities, see Note 5 of the Notes to Consolidated Financial Statements.
Nettoskuld
- Net income for the period $ 414 $ 354 | Adjustments to reconcile net income to net cash provided by operating activities:
- ( 33 ) ( 14 ) | Net cash provided by operating activities 117 512 | CASH FLOWS FROM INVESTING ACTIVITIES
- ( 12 ) 7 | Net cash provided by (used in) investing activities 1,030 ( 407 ) | CASH FLOWS FROM FINANCING ACTIVITIES
- Other, net ( 10 ) ( 6 ) | Net cash used in financing activities ( 1,018 ) ( 104 ) | Net increase in cash and due from banks 129 1
- Cash paid for interest $ 829 $ 940 | Net cash paid for income taxes 114 90 | Noncash activities:
Eget kapital
- Consolidated Statements of Changes in Shareholders’ Equity | 45
- • 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; and
- Total assets $ 89,985 $ 88,572 | LIABILITIES AND SHAREHOLDERS’ EQUITY | Interest-bearing deposits:
- Total liabilities 83,562 82,682 | Shareholders’ equity: | Preferred equity 66 440
- Common equity 6,357 5,450 | Total shareholders’ equity 6,423 5,890 | Total liabilities and shareholders’ equity $ 89,985 $ 88,572
- Total shareholders’ equity 6,423 5,890 | Total liabilities and shareholders’ equity $ 89,985 $ 88,572 | Spread on average interest-bearing funds 2.29 % 1.88 %
- Total assets $ 89,716 $ 88,271 | LIABILITIES AND SHAREHOLDERS’ EQUITY | Interest-bearing deposits:
- Total liabilities 83,380 82,461 | Shareholders’ equity: | Preferred equity 66 440
Antal aktier
- • Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ¨ No ý | • Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date. | Number of common shares outstanding at July 31, 2025: 147,623,797 shares
- • Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date. | Number of common shares outstanding at July 31, 2025: 147,623,797 shares
- Total shareholders’ equity increased $472 million, or 8%, to $6.6 billion at June 30, 2025, compared with $6.1 billion at December 31, 2024. Common stock and additional paid-in capital decreased $24 million, primarily due to common stock repurchases. During the first quarter of 2025, we repurchased 0.8 million common shares outstanding for $41 million, which includes common shares acquired through our publicly announced plans and those acquired in connection with our stock compensation plan. | At June 30, 2025, the AOCI balance reflected a net loss of $2.2 billion, primarily attributable to a decline in the fair value of fixed-rate AFS securities driven by changes in interest rates. This amount includes $1.7 billion ($1.3 billion after tax) of unrealized losses associated with securities previously transferred from AFS to held-to-maturity (“HTM”). Compared with December 31, 2024, AOCI improved $216 million, primarily due to $92 million related to paydowns on AFS securities, and $90 mi
- Total capital distributed to preferred and common shareholders $ 65 $ 72 $ 172 $ 178 | Weighted average diluted common shares outstanding (in thousands) | 147,053 147,120 147,210 147,231
- 147,053 147,120 147,210 147,231 | Common shares outstanding, at period end (in thousands) 147,603 147,684 147,603 147,684
- Tangible assets (non-GAAP) (c) $ 87,797 $ 86,888 $ 86,551 | Common shares outstanding (in thousands) (d) 147,603 147,567 147,684 | Tangible equity ratio (non-GAAP) (a/c) 6.3 % 6.0 % 5.7 %
- Net earnings applicable to common shareholders $ 243 $ 190 $ 412 $ 333 | Weighted average common shares outstanding during the period: | Basic shares (in thousands) 147,044 147,115 147,182 147,227
- Total earnings applicable to common shares $ 240 $ 189 $ 407 $ 330 | Weighted average common shares outstanding (in thousands) 147,044 147,115 147,182 147,227 | Net earnings per common share $ 1.63 $ 1.28 $ 2.77 $ 2.24
Antal anställda
- 1 Includes amounts related to common shares acquired through our publicly announced plans and those acquired in connection with our stock compensation plan. These shares were acquired from employees to cover their payroll taxes and stock option exercise costs upon the exercise of stock options. | Pursuant to the OCC’s “Earnings Limitation Rule,” dividend payments are limited to the sum of net income for the current fiscal year and retained earnings for the two preceding years, unless prior approval is obtained from the
- • Cayon and Reesor v. Zions Bancorporation, N.A. is an arbitration matter pending before Judicial Arbitration and Mediation Services. The claimants have asserted claims for unpaid overtime, meal and rest break violations, and failure to reimburse work-related expenses. They have also initiated a related action under the California Private Attorneys General Act. The arbitration is in the discovery phase, with a final hearing scheduled for February 2026. | • Carlson v. Zions Bancorporation, N.A. is a putative class action case pending in the Superior Court of San Diego County, California. Plaintiff has asserted violations of California law for alleged non-payment of certain work-related expenses incurred by company employees. Plaintiff has also initiated a related action under the California Private Attorneys General Act. The putative class action is in the discovery phase, with trial set for February 2026. | 81
Fulltext
Dokumentet är delat för att hålla varje sida lätt att hämta. Del 1 · Del 2 · Del 3
zions-20250630 false 2025 Q2 12/31 0000109380 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#LongTermDebtAndCapitalLeaseObligations http://fasb.org/us-gaap/2025#LongTermDebtAndCapitalLeaseObligations xbrli:shares iso4217:USD iso4217:USD xbrli:shares zions:state zions:segment zions:security xbrli:pure zions:branch zions:case 0000109380 2025-01-01 2025-06-30 0000109380 us-gaap:CommonStockMember 2025-01-01 2025-06-30 0000109380 zions:SeriesAFloatingRateNonCumulativePerpetualPreferredStockMember 2025-01-01 2025-06-30 0000109380 2025-07-31 0000109380 2025-06-30 0000109380 2024-12-31 0000109380 2025-04-01 2025-06-30 0000109380 2024-04-01 2024-06-30 0000109380 2024-01-01 2024-06-30 0000109380 us-gaap:PreferredStockMember 2025-03-31 0000109380 us-gaap:CommonStockMember 2025-03-31 0000109380 us-gaap:AdditionalPaidInCapitalMember 2025-03-31 0000109380 us-gaap:RetainedEarningsMember 2025-03-31 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-03-31 0000109380 2025-03-31 0000109380 us-gaap:RetainedEarningsMember 2025-04-01 2025-06-30 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommonStockMember 2025-04-01 2025-06-30 0000109380 us-gaap:AdditionalPaidInCapitalMember 2025-04-01 2025-06-30 0000109380 us-gaap:PreferredStockMember 2025-06-30 0000109380 us-gaap:CommonStockMember 2025-06-30 0000109380 us-gaap:AdditionalPaidInCapitalMember 2025-06-30 0000109380 us-gaap:RetainedEarningsMember 2025-06-30 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-06-30 0000109380 us-gaap:PreferredStockMember 2024-03-31 0000109380 us-gaap:CommonStockMember 2024-03-31 0000109380 us-gaap:AdditionalPaidInCapitalMember 2024-03-31 0000109380 us-gaap:RetainedEarningsMember 2024-03-31 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-03-31 0000109380 2024-03-31 0000109380 us-gaap:RetainedEarningsMember 2024-04-01 2024-06-30 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommonStockMember 2024-04-01 2024-06-30 0000109380 us-gaap:AdditionalPaidInCapitalMember 2024-04-01 2024-06-30 0000109380 us-gaap:PreferredStockMember 2024-06-30 0000109380 us-gaap:CommonStockMember 2024-06-30 0000109380 us-gaap:AdditionalPaidInCapitalMember 2024-06-30 0000109380 us-gaap:RetainedEarningsMember 2024-06-30 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-06-30 0000109380 2024-06-30 0000109380 us-gaap:PreferredStockMember 2024-12-31 0000109380 us-gaap:CommonStockMember 2024-12-31 0000109380 us-gaap:AdditionalPaidInCapitalMember 2024-12-31 0000109380 us-gaap:RetainedEarningsMember 2024-12-31 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-12-31 0000109380 us-gaap:RetainedEarningsMember 2025-01-01 2025-06-30 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommonStockMember 2025-01-01 2025-06-30 0000109380 us-gaap:AdditionalPaidInCapitalMember 2025-01-01 2025-06-30 0000109380 us-gaap:PreferredStockMember 2023-12-31 0000109380 us-gaap:CommonStockMember 2023-12-31 0000109380 us-gaap:AdditionalPaidInCapitalMember 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 2024-06-30 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommonStockMember 2024-01-01 2024-06-30 0000109380 us-gaap:AdditionalPaidInCapitalMember 2024-01-01 2024-06-30 0000109380 zions:TradingSecuritiesMember us-gaap:FairValueInputsLevel1Member 2025-06-30 0000109380 zions:TradingSecuritiesMember us-gaap:FairValueInputsLevel2Member 2025-06-30 0000109380 zions:TradingSecuritiesMember us-gaap:FairValueInputsLevel3Member 2025-06-30 0000109380 zions:TradingSecuritiesMember 2025-06-30 0000109380 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueInputsLevel1Member 2025-06-30 0000109380 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueInputsLevel2Member 2025-06-30 0000109380 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueInputsLevel3Member 2025-06-30 0000109380 us-gaap:USTreasurySecuritiesMember 2025-06-30 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel1Member 2025-06-30 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel2Member 2025-06-30 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel3Member 2025-06-30 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember 2025-06-30 0000109380 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueInputsLevel1Member 2025-06-30 0000109380 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000109380 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueInputsLevel2Member 2025-06-30 0000109380 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueInputsLevel3Member 2025-06-30 0000109380 us-gaap:OtherDebtSecuritiesMember 2025-06-30 0000109380 zions:DebtSecuritiesAvailableForSaleExcludingAccruedInterestMember us-gaap:FairValueInputsLevel1Member 2025-06-30 0000109380 zions:DebtSecuritiesAvailableForSaleExcludingAccruedInterestMember us-gaap:FairValueInputsLevel2Member 2025-06-30 0000109380 zions:DebtSecuritiesAvailableForSaleExcludingAccruedInterestMember us-gaap:FairValueInputsLevel3Member 2025-06-30 0000109380 zions:DebtSecuritiesAvailableForSaleExcludingAccruedInterestMember 2025-06-30 0000109380 zions:FinancingReceivableHeldForSaleMember us-gaap:FairValueInputsLevel1Member 2025-06-30 0000109380 zions:FinancingReceivableHeldForSaleMember us-gaap:FairValueInputsLevel2Member 2025-06-30 0000109380 zions:FinancingReceivableHeldForSaleMember us-gaap:FairValueInputsLevel3Member 2025-06-30 0000109380 zions:FinancingReceivableHeldForSaleMember 2025-06-30 0000109380 zions:BankownedlifeinsuranceMember us-gaap:FairValueInputsLevel1Member 2025-06-30 0000109380 zions:BankownedlifeinsuranceMember us-gaap:FairValueInputsLevel2Member 2025-06-30 0000109380 zions:BankownedlifeinsuranceMember us-gaap:FairValueInputsLevel3Member 2025-06-30 0000109380 zions:BankownedlifeinsuranceMember 2025-06-30 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel1Member 2025-06-30 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel2Member 2025-06-30 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel3Member 2025-06-30 0000109380 us-gaap:PrivateEquityFundsMember 2025-06-30 0000109380 us-gaap:InterestOnlyStripMember us-gaap:FairValueInputsLevel1Member 2025-06-30 0000109380 us-gaap:InterestOnlyStripMember us-gaap:FairValueInputsLevel2Member 2025-06-30 0000109380 us-gaap:InterestOnlyStripMember us-gaap:FairValueInputsLevel3Member 2025-06-30 0000109380 us-gaap:InterestOnlyStripMember 2025-06-30 0000109380 us-gaap:WarrantyRightsAndObligationsFairValueOptionMember us-gaap:FairValueInputsLevel1Member us-gaap:DeferredCompensationArrangementWithIndividualByTypeOfCompensationPensionAndOtherPostretirementBenefitsMember 2025-06-30 0000109380 us-gaap:WarrantyRightsAndObligationsFairValueOptionMember us-gaap:FairValueInputsLevel2Member us-gaap:DeferredCompensationArrangementWithIndividualByTypeOfCompensationPensionAndOtherPostretirementBenefitsMember 2025-06-30 0000109380 us-gaap:WarrantyRightsAndObligationsFairValueOptionMember us-gaap:FairValueInputsLevel3Member us-gaap:DeferredCompensationArrangementWithIndividualByTypeOfCompensationPensionAndOtherPostretirementBenefitsMember 2025-06-30 0000109380 us-gaap:WarrantyRightsAndObligationsFairValueOptionMember us-gaap:DeferredCompensationArrangementWithIndividualByTypeOfCompensationPensionAndOtherPostretirementBenefitsMember 2025-06-30 0000109380 us-gaap:DerivativeMember us-gaap:FairValueInputsLevel1Member 2025-06-30 0000109380 us-gaap:DerivativeMember us-gaap:FairValueInputsLevel2Member 2025-06-30 0000109380 us-gaap:DerivativeMember us-gaap:FairValueInputsLevel3Member 2025-06-30 0000109380 us-gaap:DerivativeMember 2025-06-30 0000109380 us-gaap:FairValueInputsLevel1Member 2025-06-30 0000109380 us-gaap:FairValueInputsLevel2Member 2025-06-30 0000109380 us-gaap:FairValueInputsLevel3Member 2025-06-30 0000109380 zions:TradingSecuritiesMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000109380 zions:TradingSecuritiesMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000109380 zions:TradingSecuritiesMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 zions:TradingSecuritiesMember 2024-12-31 0000109380 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000109380 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000109380 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:USTreasurySecuritiesMember 2024-12-31 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember 2024-12-31 0000109380 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000109380 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:OtherDebtSecuritiesMember 2024-12-31 0000109380 zions:DebtSecuritiesAvailableForSaleExcludingAccruedInterestMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000109380 zions:DebtSecuritiesAvailableForSaleExcludingAccruedInterestMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000109380 zions:DebtSecuritiesAvailableForSaleExcludingAccruedInterestMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 zions:DebtSecuritiesAvailableForSaleExcludingAccruedInterestMember 2024-12-31 0000109380 zions:FinancingReceivableHeldForSaleMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000109380 zions:FinancingReceivableHeldForSaleMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000109380 zions:FinancingReceivableHeldForSaleMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 zions:FinancingReceivableHeldForSaleMember 2024-12-31 0000109380 zions:BankownedlifeinsuranceMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000109380 zions:BankownedlifeinsuranceMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000109380 zions:BankownedlifeinsuranceMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 zions:BankownedlifeinsuranceMember 2024-12-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:PrivateEquityFundsMember 2024-12-31 0000109380 us-gaap:InterestOnlyStripMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000109380 us-gaap:InterestOnlyStripMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000109380 us-gaap:InterestOnlyStripMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:InterestOnlyStripMember 2024-12-31 0000109380 us-gaap:WarrantyRightsAndObligationsFairValueOptionMember us-gaap:FairValueInputsLevel1Member us-gaap:DeferredCompensationArrangementWithIndividualByTypeOfCompensationPensionAndOtherPostretirementBenefitsMember 2024-12-31 0000109380 us-gaap:WarrantyRightsAndObligationsFairValueOptionMember us-gaap:FairValueInputsLevel2Member us-gaap:DeferredCompensationArrangementWithIndividualByTypeOfCompensationPensionAndOtherPostretirementBenefitsMember 2024-12-31 0000109380 us-gaap:WarrantyRightsAndObligationsFairValueOptionMember us-gaap:FairValueInputsLevel3Member us-gaap:DeferredCompensationArrangementWithIndividualByTypeOfCompensationPensionAndOtherPostretirementBenefitsMember 2024-12-31 0000109380 us-gaap:WarrantyRightsAndObligationsFairValueOptionMember us-gaap:DeferredCompensationArrangementWithIndividualByTypeOfCompensationPensionAndOtherPostretirementBenefitsMember 2024-12-31 0000109380 us-gaap:DerivativeMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0000109380 us-gaap:DerivativeMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000109380 us-gaap:DerivativeMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:DerivativeMember 2024-12-31 0000109380 us-gaap:FairValueInputsLevel1Member 2024-12-31 0000109380 us-gaap:FairValueInputsLevel2Member 2024-12-31 0000109380 us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel3Member 2025-03-31 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueInputsLevel3Member 2025-03-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel3Member 2024-03-31 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueInputsLevel3Member 2024-03-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel3Member 2023-12-31 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueInputsLevel3Member 2023-12-31 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel3Member 2025-04-01 2025-06-30 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueInputsLevel3Member 2025-04-01 2025-06-30 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel3Member 2024-04-01 2024-06-30 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueInputsLevel3Member 2024-04-01 2024-06-30 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel3Member 2025-01-01 2025-06-30 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueInputsLevel3Member 2025-01-01 2025-06-30 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel3Member 2024-01-01 2024-06-30 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueInputsLevel3Member 2024-01-01 2024-06-30 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel3Member 2025-06-30 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueInputsLevel3Member 2025-06-30 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel3Member 2024-06-30 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueInputsLevel3Member 2024-06-30 0000109380 us-gaap:FairValueInputsLevel3Member 2025-04-01 2025-06-30 0000109380 us-gaap:FairValueInputsLevel3Member 2024-04-01 2024-06-30 0000109380 us-gaap:FairValueInputsLevel3Member 2025-01-01 2025-06-30 0000109380 us-gaap:FairValueInputsLevel3Member 2024-01-01 2024-06-30 0000109380 zions:CollateralDependentLoansMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2025-06-30 0000109380 zions:CollateralDependentLoansMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2025-04-01 2025-06-30 0000109380 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:FairValueInputsLevel2Member 2025-06-30 0000109380 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel2Member 2025-06-30 0000109380 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000109380 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0000109380 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:FairValueInputsLevel3Member 2025-06-30 0000109380 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel3Member 2025-06-30 0000109380 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:AssetPledgedAsCollateralMember 2025-06-30 0000109380 us-gaap:AssetPledgedAsCollateralMember 2024-12-31 0000109380 zions:FixedRateAvailableForSaleSecuritiesMember 2025-01-01 2025-06-30 0000109380 zions:FixedRateAvailableForSaleSecuritiesMember 2025-01-01 2025-03-31 0000109380 us-gaap:AgencySecuritiesMember 2025-06-30 0000109380 zions:AgencyGuaranteedMortgageBackedSecuritiesMember 2025-06-30 0000109380 zions:SmallBusinessAdministrationLoanBackedSecuritiesMember 2025-06-30 0000109380 zions:AvailableforsaleOtherdebtsecuritiesMember 2025-06-30 0000109380 us-gaap:AgencySecuritiesMember 2024-12-31 0000109380 zions:AgencyGuaranteedMortgageBackedSecuritiesMember 2024-12-31 0000109380 zions:SmallBusinessAdministrationLoanBackedSecuritiesMember 2024-12-31 0000109380 zions:AvailableforsaleOtherdebtsecuritiesMember 2024-12-31 0000109380 zions:AvailableForSaleUnrealizedGainsOtherMember 2024-12-31 0000109380 zions:AvailableForSaleUnrealizedGainsOtherMember 2025-06-30 0000109380 zions:AvailableforsaleUnrealizedlossesOtherMember 2025-06-30 0000109380 zions:AvailableforsaleUnrealizedlossesOtherMember 2024-12-31 0000109380 zions:TaxableMember 2025-04-01 2025-06-30 0000109380 zions:NontaxableMember 2025-04-01 2025-06-30 0000109380 zions:TaxableMember 2024-04-01 2024-06-30 0000109380 zions:NontaxableMember 2024-04-01 2024-06-30 0000109380 zions:TaxableMember 2025-01-01 2025-06-30 0000109380 zions:NontaxableMember 2025-01-01 2025-06-30 0000109380 zions:TaxableMember 2024-01-01 2024-06-30 0000109380 zions:NontaxableMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:LandAcquisitionAndDevelopmentMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:LandAcquisitionAndDevelopmentMember 2024-12-31 0000109380 us-gaap:AssetPledgedAsCollateralWithoutRightMember 2025-06-30 0000109380 us-gaap:AssetPledgedAsCollateralWithoutRightMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember 2025-03-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-03-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2025-03-31 0000109380 us-gaap:CommercialPortfolioSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember 2024-03-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2024-03-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2024-03-31 0000109380 us-gaap:CommercialPortfolioSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2024-06-30 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 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancialAssetNotPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:FinancialAsset30To89DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancialAssetPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancialAssetNotPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:FinancialAsset30To89DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancialAssetPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancialAssetNotPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember zions:FinancialAsset30To89DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancialAssetPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancialAssetNotPastDueMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:FinancialAsset30To89DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancialAssetPastDueMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancialAssetNotPastDueMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:FinancialAsset30To89DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancialAssetPastDueMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancialAssetNotPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:FinancialAsset30To89DaysPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancialAssetPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancialAssetNotPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember zions:FinancialAsset30To89DaysPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancialAssetPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:FinancialAssetNotPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember zions:FinancialAsset30To89DaysPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:FinancialAssetPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:FinancialAssetNotPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember zions:FinancialAsset30To89DaysPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:FinancialAssetPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancialAssetNotPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember zions:FinancialAsset30To89DaysPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancialAssetPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-06-30 0000109380 us-gaap:FinancialAssetNotPastDueMember 2025-06-30 0000109380 zions:FinancialAsset30To89DaysPastDueMember 2025-06-30 0000109380 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0000109380 us-gaap:FinancialAssetPastDueMember 2025-06-30 0000109380 us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-06-30 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 srt:MaximumMember us-gaap:DoubtfulMember 2025-06-30 0000109380 us-gaap:DoubtfulMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PassMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:SpecialMentionMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:AccruingSubstandardMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:NonaccrualMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PassMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:SpecialMentionMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:AccruingSubstandardMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:NonaccrualMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:PassMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:SpecialMentionMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember zions:AccruingSubstandardMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember zions:NonaccrualMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:PassMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:SpecialMentionMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember zions:AccruingSubstandardMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember zions:NonaccrualMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PassMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:SpecialMentionMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:AccruingSubstandardMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:NonaccrualMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PassMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:SpecialMentionMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:AccruingSubstandardMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:NonaccrualMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PassMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:SpecialMentionMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:AccruingSubstandardMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:NonaccrualMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:PassMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:SpecialMentionMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember zions:AccruingSubstandardMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember zions:NonaccrualMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:PassMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:SpecialMentionMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember zions:AccruingSubstandardMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember zions:NonaccrualMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:PassMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:SpecialMentionMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember zions:AccruingSubstandardMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember zions:NonaccrualMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:PassMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:SpecialMentionMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember zions:AccruingSubstandardMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember zions:NonaccrualMember 2025-06-30 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 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember 2025-04-01 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember 2025-04-01 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember 2025-01-01 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember 2025-01-01 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember 2024-01-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember 2024-01-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember 2024-01-01 2024-06-30 0000109380 zions:NonaccrualMember 2025-06-30 0000109380 us-gaap:PaymentDeferralMember 2025-04-01 2025-06-30 0000109380 us-gaap:PaymentDeferralMember 2025-01-01 2025-06-30 0000109380 us-gaap:PaymentDeferralMember 2024-04-01 2024-06-30 0000109380 us-gaap:PaymentDeferralMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:ContractualInterestRateReductionMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:ExtendedMaturityMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PrincipalForgivenessMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PaymentDeferralMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:MultipleModificationTypesMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:ContractualInterestRateReductionMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:ExtendedMaturityMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PrincipalForgivenessMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PaymentDeferralMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:MultipleModificationTypesMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MultipleModificationTypesMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:ContractualInterestRateReductionMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:ExtendedMaturityMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PrincipalForgivenessMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PaymentDeferralMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:MultipleModificationTypesMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:ContractualInterestRateReductionMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:ExtendedMaturityMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PrincipalForgivenessMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PaymentDeferralMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:MultipleModificationTypesMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:MultipleModificationTypesMember 2025-04-01 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:ContractualInterestRateReductionMember 2025-04-01 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:ExtendedMaturityMember 2025-04-01 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PrincipalForgivenessMember 2025-04-01 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PaymentDeferralMember 2025-04-01 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:MultipleModificationTypesMember 2025-04-01 2025-06-30 0000109380 us-gaap:ContractualInterestRateReductionMember 2025-04-01 2025-06-30 0000109380 us-gaap:ExtendedMaturityMember 2025-04-01 2025-06-30 0000109380 us-gaap:PrincipalForgivenessMember 2025-04-01 2025-06-30 0000109380 zions:MultipleModificationTypesMember 2025-04-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PaymentDeferralMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:MultipleModificationTypesMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PaymentDeferralMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:MultipleModificationTypesMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MultipleModificationTypesMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PaymentDeferralMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:MultipleModificationTypesMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PaymentDeferralMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:MultipleModificationTypesMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:MultipleModificationTypesMember 2025-01-01 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PaymentDeferralMember 2025-01-01 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:MultipleModificationTypesMember 2025-01-01 2025-06-30 0000109380 us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-06-30 0000109380 us-gaap:ExtendedMaturityMember 2025-01-01 2025-06-30 0000109380 us-gaap:PrincipalForgivenessMember 2025-01-01 2025-06-30 0000109380 zions:MultipleModificationTypesMember 2025-01-01 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:ContractualInterestRateReductionMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:ExtendedMaturityMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PrincipalForgivenessMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PaymentDeferralMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:MultipleModificationTypesMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:ContractualInterestRateReductionMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:ExtendedMaturityMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PrincipalForgivenessMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PaymentDeferralMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:MultipleModificationTypesMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MultipleModificationTypesMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:ContractualInterestRateReductionMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:ExtendedMaturityMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PrincipalForgivenessMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PaymentDeferralMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:MultipleModificationTypesMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember 2024-04-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:ContractualInterestRateReductionMember 2024-04-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:ExtendedMaturityMember 2024-04-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PrincipalForgivenessMember 2024-04-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PaymentDeferralMember 2024-04-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:MultipleModificationTypesMember 2024-04-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember 2024-04-01 2024-06-30 0000109380 us-gaap:ContractualInterestRateReductionMember 2024-04-01 2024-06-30 0000109380 us-gaap:ExtendedMaturityMember 2024-04-01 2024-06-30 0000109380 us-gaap:PrincipalForgivenessMember 2024-04-01 2024-06-30 0000109380 zions:MultipleModificationTypesMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PaymentDeferralMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:MultipleModificationTypesMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PaymentDeferralMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:MultipleModificationTypesMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:PaymentDeferralMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember zions:MultipleModificationTypesMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MultipleModificationTypesMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PaymentDeferralMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:MultipleModificationTypesMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PaymentDeferralMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:MultipleModificationTypesMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:MultipleModificationTypesMember 2024-01-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PaymentDeferralMember 2024-01-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:MultipleModificationTypesMember 2024-01-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember 2024-01-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:PaymentDeferralMember 2024-01-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember zions:MultipleModificationTypesMember 2024-01-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:PaymentDeferralMember 2024-01-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:MultipleModificationTypesMember 2024-01-01 2024-06-30 0000109380 us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-06-30 0000109380 us-gaap:ExtendedMaturityMember 2024-01-01 2024-06-30 0000109380 us-gaap:PrincipalForgivenessMember 2024-01-01 2024-06-30 0000109380 zions:MultipleModificationTypesMember 2024-01-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember 2024-04-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember 2024-04-01 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember 2024-04-01 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancialAssetNotPastDueMember 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:FinancialAsset30To89DaysPastDueMember 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancialAssetPastDueMember 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancialAssetNotPastDueMember 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:FinancialAsset30To89DaysPastDueMember 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancialAssetPastDueMember 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancialAssetNotPastDueMember 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember zions:FinancialAsset30To89DaysPastDueMember 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancialAssetPastDueMember 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancialAssetNotPastDueMember 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:FinancialAsset30To89DaysPastDueMember 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancialAssetPastDueMember 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancialAssetNotPastDueMember 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:FinancialAsset30To89DaysPastDueMember 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancialAssetPastDueMember 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancialAssetNotPastDueMember 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:FinancialAsset30To89DaysPastDueMember 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancialAssetPastDueMember 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancialAssetNotPastDueMember 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember zions:FinancialAsset30To89DaysPastDueMember 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancialAssetPastDueMember 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancialAssetNotPastDueMember 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember zions:FinancialAsset30To89DaysPastDueMember 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancialAssetPastDueMember 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2024-06-30 0000109380 us-gaap:FinancialAssetNotPastDueMember 2024-06-30 0000109380 zions:FinancialAsset30To89DaysPastDueMember 2024-06-30 0000109380 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-06-30 0000109380 us-gaap:FinancialAssetPastDueMember 2024-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:EquipmentAndMachineryMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:IndustrialBuildingMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember zions:MultifamilyApartmentsMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember srt:OfficeBuildingMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:SingleFamilyResidentialMember 2025-06-30 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 2025-06-30 0000109380 us-gaap:USTreasurySecuritiesMember us-gaap:SecuritiesSoldUnderAgreementsToRepurchaseMember us-gaap:AssetPledgedAsCollateralMember 2025-06-30 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-06-30 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:OtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-06-30 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-06-30 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 2025-06-30 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:OtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-06-30 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-06-30 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 2025-06-30 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:OtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-06-30 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-06-30 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 2025-06-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:OtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-06-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-06-30 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 2025-06-30 0000109380 us-gaap:OtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember 2025-06-30 0000109380 us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember 2025-06-30 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 2025-06-30 0000109380 zions:InterestRateSwapsForCustomersMember us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2025-06-30 0000109380 zions:InterestRateSwapsForCustomersMember us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2025-06-30 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:OtherContractMember us-gaap:NondesignatedMember 2025-06-30 0000109380 us-gaap:OtherContractMember us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2025-06-30 0000109380 us-gaap:OtherContractMember us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2025-06-30 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 2025-06-30 0000109380 us-gaap:ForeignExchangeContractMember us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2025-06-30 0000109380 us-gaap:ForeignExchangeContractMember us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2025-06-30 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 2025-06-30 0000109380 zions:PurchasedCreditDerivativeMember us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2025-06-30 0000109380 zions:PurchasedCreditDerivativeMember us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2025-06-30 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 2025-06-30 0000109380 us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2025-06-30 0000109380 us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2025-06-30 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 2025-06-30 0000109380 us-gaap:OtherLiabilitiesMember 2025-06-30 0000109380 us-gaap:OtherAssetsMember 2024-12-31 0000109380 us-gaap:OtherLiabilitiesMember 2024-12-31 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-04-01 2025-06-30 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-04-01 2025-06-30 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-04-01 2025-06-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-04-01 2025-06-30 0000109380 us-gaap:DesignatedAsHedgingInstrumentMember 2025-04-01 2025-06-30 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-01-01 2025-06-30 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-01-01 2025-06-30 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-01-01 2025-06-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-01-01 2025-06-30 0000109380 us-gaap:DesignatedAsHedgingInstrumentMember 2025-01-01 2025-06-30 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2024-04-01 2024-06-30 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2024-04-01 2024-06-30 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-04-01 2024-06-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-04-01 2024-06-30 0000109380 us-gaap:DesignatedAsHedgingInstrumentMember 2024-04-01 2024-06-30 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2024-01-01 2024-06-30 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2024-01-01 2024-06-30 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-01-01 2024-06-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-01-01 2024-06-30 0000109380 us-gaap:DesignatedAsHedgingInstrumentMember 2024-01-01 2024-06-30 0000109380 us-gaap:CashFlowHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember 2025-06-30 0000109380 us-gaap:CashFlowHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember 2024-06-30 0000109380 zions:InterestRateSwapsForCustomersMember us-gaap:NondesignatedMember 2025-04-01 2025-06-30 0000109380 zions:InterestRateSwapsForCustomersMember us-gaap:NondesignatedMember 2025-01-01 2025-06-30 0000109380 zions:InterestRateSwapsForCustomersMember us-gaap:NondesignatedMember 2024-04-01 2024-06-30 0000109380 zions:InterestRateSwapsForCustomersMember us-gaap:NondesignatedMember 2024-01-01 2024-06-30 0000109380 us-gaap:OtherContractMember us-gaap:NondesignatedMember 2025-04-01 2025-06-30 0000109380 us-gaap:OtherContractMember us-gaap:NondesignatedMember 2025-01-01 2025-06-30 0000109380 us-gaap:OtherContractMember us-gaap:NondesignatedMember 2024-04-01 2024-06-30 0000109380 us-gaap:OtherContractMember us-gaap:NondesignatedMember 2024-01-01 2024-06-30 0000109380 us-gaap:ForeignExchangeContractMember us-gaap:NondesignatedMember 2025-04-01 2025-06-30 0000109380 us-gaap:ForeignExchangeContractMember us-gaap:NondesignatedMember 2025-01-01 2025-06-30 0000109380 us-gaap:ForeignExchangeContractMember us-gaap:NondesignatedMember 2024-04-01 2024-06-30 0000109380 us-gaap:ForeignExchangeContractMember us-gaap:NondesignatedMember 2024-01-01 2024-06-30 0000109380 zions:PurchasedCreditDerivativeMember us-gaap:NondesignatedMember 2025-04-01 2025-06-30 0000109380 zions:PurchasedCreditDerivativeMember us-gaap:NondesignatedMember 2025-01-01 2025-06-30 0000109380 zions:PurchasedCreditDerivativeMember us-gaap:NondesignatedMember 2024-04-01 2024-06-30 0000109380 zions:PurchasedCreditDerivativeMember us-gaap:NondesignatedMember 2024-01-01 2024-06-30 0000109380 us-gaap:NondesignatedMember 2025-04-01 2025-06-30 0000109380 us-gaap:NondesignatedMember 2025-01-01 2025-06-30 0000109380 us-gaap:NondesignatedMember 2024-04-01 2024-06-30 0000109380 us-gaap:NondesignatedMember 2024-01-01 2024-06-30 0000109380 zions:HedgesOfFixedRateAssetsMember 2025-04-01 2025-06-30 0000109380 zions:HedgesOfFixedRateAssetsMember 2024-04-01 2024-06-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember 2025-04-01 2025-06-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember 2024-04-01 2024-06-30 0000109380 zions:HedgesOfFixedRateAssetsMember 2025-01-01 2025-06-30 0000109380 zions:HedgesOfFixedRateAssetsMember 2024-01-01 2024-06-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember 2025-01-01 2025-06-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember 2024-01-01 2024-06-30 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:FairValueHedgingMember 2025-06-30 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:FairValueHedgingMember 2024-12-31 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:FairValueHedgingMember 2025-06-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:FairValueHedgingMember 2024-12-31 0000109380 us-gaap:FairValueHedgingMember 2025-06-30 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 2025-06-30 0000109380 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-01-01 2025-06-30 0000109380 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-06-30 0000109380 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-06-30 0000109380 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2025-06-30 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 2024-06-30 0000109380 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2024-01-01 2024-06-30 0000109380 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2024-06-30 0000109380 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2024-06-30 0000109380 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2024-06-30 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-04-01 2025-06-30 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2024-04-01 2024-06-30 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-01-01 2025-06-30 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2024-01-01 2024-06-30 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-04-01 2025-06-30 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2024-04-01 2024-06-30 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-01-01 2025-06-30 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2024-01-01 2024-06-30 0000109380 us-gaap:StandbyLettersOfCreditMember 2025-06-30 0000109380 us-gaap:StandbyLettersOfCreditMember 2024-12-31 0000109380 us-gaap:PerformanceGuaranteeMember 2025-06-30 0000109380 us-gaap:PerformanceGuaranteeMember 2024-12-31 0000109380 srt:MinimumMember 2025-06-30 0000109380 srt:MaximumMember 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:ZionsBankSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:ZionsBankSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:AmegyCorporationSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:AmegyCorporationSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:ZionsBankSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:ZionsBankSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:AmegyCorporationSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:AmegyCorporationSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:ZionsBankSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:ZionsBankSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:AmegyCorporationSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:AmegyCorporationSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:ZionsBankSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:ZionsBankSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:AmegyCorporationSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:AmegyCorporationSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:ZionsBankSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:ZionsBankSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:AmegyCorporationSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:AmegyCorporationSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:ZionsBankSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:ZionsBankSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:AmegyCorporationSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:AmegyCorporationSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ZionsBankSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ZionsBankSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:CaliforniaBankAndTrustSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:CaliforniaBankAndTrustSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:AmegyCorporationSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:AmegyCorporationSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NationalBankOfArizonaSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NationalBankOfArizonaSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NevadaStateBankSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NevadaStateBankSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:VectraBankColoradoSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:VectraBankColoradoSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NationalBankOfArizonaSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NationalBankOfArizonaSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NevadaStateBankSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NevadaStateBankSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:VectraBankColoradoSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:VectraBankColoradoSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NationalBankOfArizonaSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NationalBankOfArizonaSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NevadaStateBankSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NevadaStateBankSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:VectraBankColoradoSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:VectraBankColoradoSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:NationalBankOfArizonaSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:NationalBankOfArizonaSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:NevadaStateBankSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:NevadaStateBankSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:VectraBankColoradoSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:VectraBankColoradoSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NationalBankOfArizonaSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NationalBankOfArizonaSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NevadaStateBankSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NevadaStateBankSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:VectraBankColoradoSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:VectraBankColoradoSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NationalBankOfArizonaSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NationalBankOfArizonaSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NevadaStateBankSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NevadaStateBankSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:VectraBankColoradoSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:VectraBankColoradoSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:NationalBankOfArizonaSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:NationalBankOfArizonaSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:NevadaStateBankSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:NevadaStateBankSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:VectraBankColoradoSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:VectraBankColoradoSegmentMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-04-01 2024-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCommercialAccountFeesMember 2025-04-01 2025-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCommercialAccountFeesMember 2024-04-01 2024-06-30 0000109380 zions:ProductsAndServicesCommercialAccountFeesMember 2025-04-01 2025-06-30 0000109380 zions:ProductsAndServicesCommercialAccountFeesMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-04-01 2024-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCardFeesMember 2025-04-01 2025-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCardFeesMember 2024-04-01 2024-06-30 0000109380 zions:ProductsAndServicesCardFeesMember 2025-04-01 2025-06-30 0000109380 zions:ProductsAndServicesCardFeesMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-04-01 2024-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2025-04-01 2025-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2024-04-01 2024-06-30 0000109380 zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2025-04-01 2025-06-30 0000109380 zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-04-01 2024-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember 2025-04-01 2025-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember 2024-04-01 2024-06-30 0000109380 zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember 2025-04-01 2025-06-30 0000109380 zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-04-01 2024-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesWealthManagementFeesMember 2025-04-01 2025-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesWealthManagementFeesMember 2024-04-01 2024-06-30 0000109380 zions:ProductsAndServicesWealthManagementFeesMember 2025-04-01 2025-06-30 0000109380 zions:ProductsAndServicesWealthManagementFeesMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-04-01 2024-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2025-04-01 2025-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2024-04-01 2024-06-30 0000109380 zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2025-04-01 2025-06-30 0000109380 zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:CommerceBankOfWashingtonSegmentMember 2025-04-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:CommerceBankOfWashingtonSegmentMember 2024-04-01 2024-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember 2025-04-01 2025-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember 2024-04-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:ZionsBankSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:ZionsBankSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:AmegyCorporationSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:AmegyCorporationSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:ZionsBankSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:ZionsBankSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:AmegyCorporationSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:AmegyCorporationSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:ZionsBankSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:ZionsBankSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:AmegyCorporationSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:AmegyCorporationSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:ZionsBankSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:ZionsBankSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:AmegyCorporationSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:AmegyCorporationSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:ZionsBankSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:ZionsBankSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:AmegyCorporationSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:AmegyCorporationSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:ZionsBankSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:ZionsBankSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:AmegyCorporationSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:AmegyCorporationSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ZionsBankSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ZionsBankSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:CaliforniaBankAndTrustSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:CaliforniaBankAndTrustSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:AmegyCorporationSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:AmegyCorporationSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NationalBankOfArizonaSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NationalBankOfArizonaSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NevadaStateBankSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NevadaStateBankSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:VectraBankColoradoSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:VectraBankColoradoSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NationalBankOfArizonaSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NationalBankOfArizonaSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NevadaStateBankSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NevadaStateBankSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:VectraBankColoradoSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:VectraBankColoradoSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NationalBankOfArizonaSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NationalBankOfArizonaSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NevadaStateBankSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NevadaStateBankSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:VectraBankColoradoSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:VectraBankColoradoSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:NationalBankOfArizonaSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:NationalBankOfArizonaSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:NevadaStateBankSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:NevadaStateBankSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:VectraBankColoradoSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:VectraBankColoradoSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NationalBankOfArizonaSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NationalBankOfArizonaSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NevadaStateBankSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NevadaStateBankSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:VectraBankColoradoSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:VectraBankColoradoSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NationalBankOfArizonaSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NationalBankOfArizonaSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NevadaStateBankSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NevadaStateBankSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:VectraBankColoradoSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:VectraBankColoradoSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:NationalBankOfArizonaSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:NationalBankOfArizonaSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:NevadaStateBankSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:NevadaStateBankSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:VectraBankColoradoSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:VectraBankColoradoSegmentMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-01-01 2024-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCommercialAccountFeesMember 2025-01-01 2025-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCommercialAccountFeesMember 2024-01-01 2024-06-30 0000109380 zions:ProductsAndServicesCommercialAccountFeesMember 2025-01-01 2025-06-30 0000109380 zions:ProductsAndServicesCommercialAccountFeesMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-01-01 2024-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCardFeesMember 2025-01-01 2025-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCardFeesMember 2024-01-01 2024-06-30 0000109380 zions:ProductsAndServicesCardFeesMember 2025-01-01 2025-06-30 0000109380 zions:ProductsAndServicesCardFeesMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-01-01 2024-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2025-01-01 2025-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2024-01-01 2024-06-30 0000109380 zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2025-01-01 2025-06-30 0000109380 zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-01-01 2024-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember 2025-01-01 2025-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember 2024-01-01 2024-06-30 0000109380 zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember 2025-01-01 2025-06-30 0000109380 zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-01-01 2024-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesWealthManagementFeesMember 2025-01-01 2025-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesWealthManagementFeesMember 2024-01-01 2024-06-30 0000109380 zions:ProductsAndServicesWealthManagementFeesMember 2025-01-01 2025-06-30 0000109380 zions:ProductsAndServicesWealthManagementFeesMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-01-01 2024-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2025-01-01 2025-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2024-01-01 2024-06-30 0000109380 zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2025-01-01 2025-06-30 0000109380 zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2024-01-01 2024-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:CommerceBankOfWashingtonSegmentMember 2025-01-01 2025-06-30 0000109380 us-gaap:OperatingSegmentsMember zions:CommerceBankOfWashingtonSegmentMember 2024-01-01 2024-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember 2025-01-01 2025-06-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember 2024-01-01 2024-06-30 0000109380 us-gaap:RestrictedStockUnitsRSUMember 2025-04-01 2025-06-30 0000109380 us-gaap:RestrictedStockUnitsRSUMember 2024-04-01 2024-06-30 0000109380 us-gaap:RestrictedStockUnitsRSUMember 2025-01-01 2025-06-30 0000109380 us-gaap:RestrictedStockUnitsRSUMember 2024-01-01 2024-06-30 0000109380 us-gaap:EmployeeStockOptionMember 2025-04-01 2025-06-30 0000109380 us-gaap:EmployeeStockOptionMember 2024-04-01 2024-06-30 0000109380 us-gaap:EmployeeStockOptionMember 2025-01-01 2025-06-30 0000109380 us-gaap:EmployeeStockOptionMember 2024-01-01 2024-06-30 0000109380 stpr:UT zions:ZionsBankSegmentMember 2025-06-30 0000109380 stpr:ID zions:ZionsBankSegmentMember 2025-06-30 0000109380 stpr:WY zions:ZionsBankSegmentMember 2025-06-30 0000109380 stpr:CA zions:CaliforniaBankAndTrustSegmentMember 2025-06-30 0000109380 stpr:CA zions:FirstBankCoachellaValleyBranchesMember zions:CaliforniaBankAndTrustSegmentMember 2025-06-30 0000109380 stpr:TX zions:AmegyCorporationSegmentMember 2025-06-30 0000109380 stpr:AZ zions:NationalBankOfArizonaSegmentMember 2025-06-30 0000109380 stpr:NV zions:NevadaStateBankSegmentMember 2025-06-30 0000109380 stpr:CO zions:VectraBankColoradoSegmentMember 2025-06-30 0000109380 stpr:NM zions:VectraBankColoradoSegmentMember 2025-06-30 0000109380 stpr:WA zions:CommerceBankOfWashingtonSegmentMember 2025-06-30 0000109380 stpr:OR zions:CommerceBankOfWashingtonSegmentMember 2025-06-30 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ COMMISSION FILE NUMBER 001-12307 ZIONS BANCORPORATION, NATIONAL ASSOCIATION (Exact name of registrant as specified in its charter) United States of America 87-0189025 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) One South Main Salt Lake City, Utah 84133-1109 (Address of principal executive offices) (Zip Code) Registrant’s telephone number, including area code: ( 801 ) 844-8208 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 • 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 is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ¨ No ý • Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date. Number of common shares outstanding at July 31, 2025: 147,623,797 shares 1 ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES Table of Contents Page PART I. FINANCIAL INFORMATION Item 1. Financial Statements (Unaudited) 43 Consolidated Balance Sheets 43 Consolidated Statements of Income 44 Consolidated Statements of Comprehensive Income (Loss) 45 Consolidated Statements of Changes in Shareholders’ Equity 45 Consolidated Statements of Cash Flows 47 Notes to Consolidated Financial Statements 48 Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations 4 Item 3. Quantitative and Qualitative Disclosures About Market Risk 89 Item 4. Controls and Procedures 90 PART II. OTHER INFORMATION Item 1. Legal Proceedings 90 Item 1A. Risk Factors 90 Item 2. Unregistered Sales of Equity Securities and Use of Proceeds 90 Item 5. Other Information 90 Item 6. Exhibits 91 Signatures 92 2 Table of Contents ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES GLOSSARY OF ACRONYMS AND ABBREVIATIONS ACL Allowance for Credit Losses FTP Funds Transfer Pricing AFS Available-for-Sale GAAP Generally Accepted Accounting Principles ALLL Allowance for Loan and Lease Losses GCF General Collateral Finance Amegy Amegy Bank, a division of Zions Bancorporation, National Association HECL Home Equity Credit Line AOCI Accumulated Other Comprehensive Income or Loss HTM Held-to-Maturity ASU Accounting Standards Update IPO Initial Public Offering Board Board of Directors LTV Loan-to-Value bps Basis Points NASDAQ National Association of Securities Dealers Automated Quotations BTFP Bank Term Funding Program NBAZ National Bank of Arizona, a division of Zions Bancorporation, National Association CB&T California Bank & Trust, a division of Zions Bancorporation, National Association NM Not Meaningful CET1 Common Equity Tier 1 NSB Nevada State Bank, a division of Zions Bancorporation, National Association CLTV Combined Loan-to-Value Ratio OCC Office of the Comptroller of the Currency CODM Chief Operating Decision Maker OREO Other Real Estate Owned CRE Commercial Real Estate PEI Private Equity Investment CVA Credit Valuation Adjustment PPNR Pre-provision Net Revenue DTA Deferred Tax Asset ROU Right-of-Use DTL Deferred Tax Liability RULC Reserve for Unfunded Lending Commitments EaR Earnings at Risk S&P Standard & Poor's EPS Earnings per Share SBA U.S. Small Business Administration EVE Economic Value of Equity SBIC Small Business Investment Company FASB Financial Accounting Standards Board SEC Securities and Exchange Commission FDIC Federal Deposit Insurance Corporation TCBW The Commerce Bank of Washington, a division of Zions Bancorporation, National Association FHLB Federal Home Loan Bank U.S. United States FICO Fair Isaac Corporation Vectra Vectra Bank Colorado, a division of Zions Bancorporation, National Association FRB Federal Reserve Board Zions Bank Zions Bank, a division of Zions Bancorporation, National Association 3 Table of Contents ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES PART I. FINANCIAL INFORMATION ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS FORWARD-LOOKING INFORMATION This quarterly report includes “forward-looking statements” as that term is defined in the Private Securities Litigation Reform Act of 1995. These statements are based on management’s current expectations and assumptions regarding future events or determinations, all of which are subject to known and unknown risks, uncertainties, and other factors that may cause our actual results, performance or achievements, industry trends, and results or regulatory outcomes to differ materially from those expressed or implied. Forward-looking statements include, among others: • Statements with respect to the beliefs, plans, objectives, goals, targets, commitments, designs, guidelines, expectations, anticipations, and future financial condition, results of operations, 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 the words “may,” “might,” “can,” “continue,” “could,” “should,” “would,” “believe,” “anticipate,” “estimate,” “forecasts,” “expect,” “intend,” “target,” “commit,” “design,” “plan,” “projects,” “will,” and the negative thereof and similar words and expressions. 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 inflation, economic slowdowns or recessions, and other macroeconomic challenges; changes in interest and reference rates, which could negatively impact our revenues and expenses, the valuation of our assets and liabilities, the availability and cost of deposits and other capital, and our ability to manage liquidity; and deterioration in economic conditions may result in increased loan and lease losses; • Political developments, including those that result in significant disruptions and changes in the 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; • Our ability to innovate and otherwise address competitive pressures and other factors that may affect aspects of our business, such as pricing, relevance of, and demand for, our products and services, and our ability to recruit and retain talent; 4 Table of Contents ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES • The potential for both positive and disruptive impacts of emerging technologies, including stablecoins, tokenized deposits, and other digital currencies, blockchain, artificial intelligence, quantum computing, and related innovations and regulatory developments affecting both us and the banking industry; • 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; • 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 and our customers’ operations, business, and communities, including the increasing difficulty in, and the expense of, obtaining property, auto, business, and other insurance products; • Governmental and social responses to environmental, social, and governance issues, including those with respect to climate change and diversity; • 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; and • Adverse news and other expressions of negative public opinion whether directed at us, other banks, the banking industry, or otherwise that may adversely affect our reputation and that of the banking industry generally. Factors that could cause our actual results, performance, achievements, industry trends, or regulatory outcomes to differ materially from those expressed or implied in the forward-looking statements are discussed in our 2024 Form 10-K and subsequent filings with the Securities and Exchange Commission (“SEC”). These documents are available on our website (www.zionsbancorporation.com) and from the SEC (www.sec.gov). 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 specifically disclaim any obligation to update any factors or publicly announce revisions to forward-looking statements to reflect future events or developments. RESULTS OF OPERATIONS Comparisons noted below are calculated for the current quarter versus the same prior year period, unless otherwise specified. Reasons for changes in the current year-to-date period compared with the same prior year period are generally consistent with the quarter-to-date comparisons unless otherwise specified. Growth rates of 100% or more are considered not meaningful (“NM”) as they typically reflect a low starting point. 5 Table of Contents ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES Second Quarter 2025 Financial Performance Net Earnings Applicable to Common Shareholders (in millions) Diluted EPS Adjusted PPNR (in millions) 1 Efficiency Ratio 1 1 For information on non-GAAP financial measures, see page 40 . Executive Summary Our financial performance in the second quarter of 2025, relative to the prior year period, reflected solid growth in net earnings, diluted earnings per share (“EPS”), and adjusted pre-provision net revenue (“PPNR”). Diluted EPS increased to $1.63, compared with $1.28 in the second quarter of 2024, as higher net interest income and noninterest income, along with a lower provision for credit losses, were partially offset by increased noninterest expense. • Net interest income increased $51 million, or 9%, compared with the prior year period, primarily due to lower funding costs and an increase in average interest-earning assets. As a result, the net interest margin improved to 3.17%, compared with 2.98%. ◦ Average interest-earning assets increased $1.5 billion, or 2%, primarily driven by growth in average loans, leases, and money market investments, partially offset by a decline in average securities. ◦ Average interest-bearing liabilities increased $1.4 billion, or 3%, due to an increase in both average borrowed funds and average interest-bearing deposits. ◦ Total loans and leases increased $2.4 billion, or 4%, primarily driven by growth in the consumer 1-4 family residential mortgage and commercial and industrial loan portfolios. ◦ Total deposits remained relatively stable, as an increase in noninterest-bearing demand deposits was partially offset by a decline in interest-bearing deposits. The growth in noninterest-bearing deposits was largely the result of the migration of a consumer interest-bearing product into a new noninterest-bearing offering. Customer deposits (excluding brokered deposits) totaled $69.9 billion, compared with $69.5 billion. ◦ Total loans and deposits at June 30, 2025 included approximately $390 million in loans and $585 million in deposits associated with the four FirstBank Coachella Valley, California branches that we acquired in late March 2025. • The provision for credit losses was negative $1 million, compared with positive $5 million in the prior year period. • Customer-related noninterest income increased $11 million, or 7%, primarily due to higher capital markets fees and income, along with improved retail and business banking fees. Noncustomer-related noninterest income remained flat. Net securities gains increased $10 million, which included an $11 million unrealized gain related to the successful initial public offering (“IPO”) of one of our Small Business Investment Company (“SBIC”) investments. This increase was offset by a $10 million decline in dividends and other 6 Table of Contents ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES income, largely due to higher gains in the prior year period associated with the sale of our Enterprise Retirement Solutions business. • Noninterest expense increased $18 million, or 4%, primarily due to higher incentive compensation accruals as a result of improved profitability, as well as an increase in other noninterest expense. These increases were partially offset by a decline in professional and legal services. • Net loan and lease charge-offs totaled $10 million, or 0.07% of average loans and leases annualized, compared with $15 million, or 0.10%, in the prior year quarter. The ratio of allowance for credit losses (“ACL”) to total loans and leases was 1.20%, compared with 1.24%. • Nonperforming assets totaled $313 million, or 0.51% of total loans and leases and other real estate owned, compared with $265 million, or 0.45%. The increase was primarily in the term commercial real estate (“CRE”), consumer 1-4 family residential, and owner occupied loan portfolios. • Classified loans totaled $2.7 billion, or 4.43% of total loans and leases, compared with $1.3 billion, or 2.16%, in the prior year quarter, and decreased from $2.9 billion, or 4.82%, in the prior quarter. The year-over-year increase in classified loans was primarily in the multifamily and industrial CRE loan portfolios, largely due to an increased emphasis in risk grading on current cash flows, and less emphasis on the adequacy of collateral values and the strength of guarantors and sponsors. Additionally, weaker performance in the 2021, 2022, and 2023 construction loan vintages contributed to the increase, as borrowers missed projections due to longer-than-anticipated lease-up periods, rent concessions, elevated costs, and higher interest rates. • Total borrowed funds, primarily composed of secured borrowings, increased $845 million, or 14%, compared with the prior year quarter. This increase was driven by higher levels of long-term debt and Federal Home Loan Bank (“FHLB”) short-term advances, partially offset by the full repayment of borrowings under the Federal Reserve Board (“FRB”) Bank Term Funding Program (“BTFP”). Net Interest Income and Net Interest Margin NET INTEREST INCOME AND NET INTEREST MARGIN Three Months Ended June 30, Amount change Percent change Six Months Ended June 30, Amount change Percent change (Dollar amounts in millions) 2025 2024 2025 2024 Interest and fees on loans 1 $ 875 $ 877 $ (2) — % $ 1,725 $ 1,742 $ (17) (1) % Interest on money market investments 50 56 (6) (11) 103 103 — — Interest on securities 126 140 (14) (10) 251 282 (31) (11) Total interest income 1,051 1,073 (22) (2) 2,079 2,127 (48) (2) Interest on deposits 312 390 (78) (20) 638 766 (128) (17) Interest on short- and long-term borrowings 91 86 5 6 169 178 (9) (5) Total interest expense 403 476 (73) (15) 807 944 (137) (15) Net interest income $ 648 $ 597 $ 51 9 $ 1,272 $ 1,183 $ 89 8 Average interest-earning assets $ 83,566 $ 82,098 $ 1,468 2 % $ 83,286 $ 81,856 $ 1,430 2 % Average interest-bearing liabilities $ 57,305 $ 55,882 $ 1,423 3 $ 57,313 $ 55,462 $ 1,851 3 bps bps Net interest margin 2 3.17 % 2.98 % 19 3.14 % 2.96 % 18 1 Includes interest income recoveries of $2 million for both the three months ended, and $6 million and $4 million for the six months ended June 30, 2025, and 2024, respectively. 2 Taxable-equivalent rates used where applicable. 7 Table of Contents ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES Net interest income accounted for 77% of total net revenue (sum of net interest income plus noninterest income) in both the second quarters of 2025 and 2024. It increased $51 million, or 9%, for the three months ended June 30, 2025, relative to the same prior year period. This increase was primarily due to lower funding costs and growth in average interest-earning assets. As a result, the net interest margin improved to 3.17%, compared with 2.98%. The following chart presents the changes in yields on average interest-earning assets: The yield on average interest-earning assets, net of hedging activity, declined 20 basis points (“bps”) in the second quarter of 2025, compared with the prior year period. This decrease reflects a lower interest rate environment, partially offset by a favorable shift in the composition of average interest-earning assets, including growth in average loans and money market investments, and a reduction in average securities. The yield on average money market investments declined 104 bps, while the net yield on average loans decreased 25 bps, and the net yield on average securities declined 16 bps during the second quarter of 2025. The following chart presents the changes in rates paid on average interest-bearing liabilities: 8 Table of Contents ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES The total cost of deposits decreased 43 bps, and the rate paid on total deposits and interest-bearing liabilities decreased 39 bps during the second quarter of 2025, compared with the prior year period, reflecting the lower interest rate environment. The rates paid on interest-bearing deposits and total borrowed funds decreased 68 bps and 40 bps, respectively. Average interest-earning assets increased $1.5 billion, or 2% from the prior year quarter, as growth in average loans and leases and average money market investments was partially offset by a decline in average securities. Average loans and leases increased $2.2 billion, or 4%, to $60.5 billion, primarily due to growth in average consumer and commercial loans. Average securities decreased $1.4 billion, or 7%, to $18.4 billion, largely attributable to principal reductions. At June 30, 2025, average loans and leases included approximately $400 million in loans associated with the four FirstBank Coachella Valley, California branches that we acquired in late March 2025. Average interest-bearing liabilities increased $1.4 billion, or 3%, from the prior year quarter. This growth was primarily driven by increases in average borrowed funds and average interest-bearing deposits. 9 Table of Contents ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES Average deposits remained relatively stable at $74.3 billion during the second quarter of 2025 and included approximately $620 million in deposits associated with the four FirstBank Coachella Valley, California branches that we acquired in late March 2025. Average interest-bearing deposits increased $461 million, or 1%. Average noninterest-bearing deposits decreased $423 million or 2%, and represented 33% of total deposits for the quarter, compared with 34% during the same prior year period. Average borrowed funds, primarily composed of secured borrowings, increased $962 million, or 14%, to $7.8 billion. This growth was driven by increases in long-term debt, security repurchase agreements, and FHLB short-term advances, partially offset by the full repayment of borrowings under the FRB BTFP. The increase in long-term debt reflects the issuance of $500 million of 6.82% Fixed-to-Floating Subordinated Notes, partially offset by the redemption of $88 million of 6.95% Fixed-to-Floating Subordinated Notes during the fourth quarter of 2024. For more information on our investment securities portfolio and borrowed funds and how we manage liquidity risk, refer to the “Investment Securities Portfolio” section on page 18 and the “Liquidity Risk Management” section on page 37. For further discussion of the effects of market rates on net interest income and how we manage interest rate risk, refer to the “Interest Rate and Market Risk Management” section on page 34. The following schedule summarizes the average balances, the amount of interest earned or paid, and the applicable yields for interest-earning assets and the costs of interest-bearing liabilities: 10 Table of Contents ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES CONSOLIDATED AVERAGE BALANCE SHEETS, YIELDS AND RATES (Unaudited) Three Months Ended June 30, 2025 Three Months Ended June 30, 2024 (Dollar amounts in millions) Average balance Interest Yield/ Rate 1 Average balance Interest Yield/ Rate 1 ASSETS Money market investments: Interest-bearing deposits $ 1,543 $ 17 4.50 % $ 1,909 $ 26 5.57 % Federal funds sold and securities purchased under agreements to resell 2,757 33 4.77 2,026 30 5.87 Total money market investments 4,300 50 4.68 3,935 56 5.72 Trading securities 244 3 4.77 39 — 4.74 Investment securities: Available-for-sale 9,093 73 3.27 9,670 86 3.57 Held-to-maturity 9,351 52 2.22 10,120 57 2.25 Total investment securities 18,444 125 2.74 19,790 143 2.90 Loans held for sale 118 1 NM 43 — NM Loans and leases: 2 Commercial 31,383 461 5.89 30,505 459 6.05 Commercial real estate 13,612 226 6.64 13,587 244 7.22 Consumer 15,465 198 5.14 14,199 182 5.17 Total loans and leases 60,460 885 5.86 58,291 885 6.11 Total interest-earning assets 83,566 1,064 5.11 82,098 1,084 5.31 Cash and due from banks 703 691 Allowance for credit losses on loans and debt securities (694) (697) Goodwill and intangibles 1,097 1,056 Other assets 5,313 5,424 Total assets $ 89,985 $ 88,572 LIABILITIES AND SHAREHOLDERS’ EQUITY Interest-bearing deposits: Savings and money market $ 38,877 $ 208 2.15 % $ 38,331 $ 260 2.73 % Time 10,659 104 3.90 10,744 130 4.87 Total interest-bearing deposits 49,536 312 2.52 49,075 390 3.20 Borrowed funds: Federal funds and security repurchase agreements 1,463 15 4.36 1,166 16 5.38 Other short-term borrowings 5,340 60 4.48 5,097 62 4.95 Long-term debt 966 16 6.41 544 8 5.98 Total borrowed funds 7,769 91 4.70 6,807 86 5.10 Total interest-bearing liabilities 57,305 403 2.82 55,882 476 3.43 Noninterest-bearing demand deposits 24,730 25,153 Other liabilities 1,527 1,647 Total liabilities 83,562 82,682 Shareholders’ equity: Preferred equity 66 440 Common equity 6,357 5,450 Total shareholders’ equity 6,423 5,890 Total liabilities and shareholders’ equity $ 89,985 $ 88,572 Spread on average interest-bearing funds 2.29 % 1.88 % Net impact of noninterest-bearing sources of funds 0.88 % 1.10 % Net interest margin $ 661 3.17 % $ 608 2.98 % Memo: total cost of deposits $ 74,266 312 1.68 % $ 74,228 390 2.11 % Memo: total deposits and interest-bearing liabilities $ 82,035 403 1.97 % $ 81,035 476 2.36 % 1 Taxable-equivalent rates used where applicable. 2 Net of unamortized purchase premiums, discounts, and deferred loan fees and costs. 11 Table of Contents ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES Six Months Ended June 30, 2025 Six Months Ended June 30, 2024 (Dollar amounts in millions) Average balance Interest Yield/ Rate 1 Average balance Interest Yield/ Rate 1 ASSETS Money market investments: Interest-bearing deposits $ 1,587 $ 36 4.55 % $ 1,678 $ 47 5.63 % Federal funds sold and securities purchased under agreements to resell 2,863 67 4.74 1,926 56 5.88 Total money market investments 4,450 103 4.67 3,604 103 5.76 Trading securities 135 3 4.70 36 1 4.52 Investment securities: Available-for-sale 9,097 147 3.27 9,869 172 3.51 Held-to-maturity 9,453 105 2.24 10,198 114 2.25 Total investment securities 18,550 252 2.74 20,067 286 2.87 Loans held for sale 101 2 NM 49 1 NM Loans and leases: 2 Commercial 31,209 909 5.87 30,494 910 6.00 Commercial real estate 13,585 446 6.62 13,546 488 7.26 Consumer 15,256 388 5.13 14,060 359 5.14 Total loans and leases 60,050 1,743 5.85 58,100 1,757 6.08 Total interest-earning assets 83,286 2,103 5.09 81,856 2,148 5.28 Cash and due from banks 704 700 Allowance for credit losses on loans and debt securities (693) (691) Goodwill and intangibles 1,075 1,057 Other assets 5,344 5,349 Total assets $ 89,716 $ 88,271 LIABILITIES AND SHAREHOLDERS’ EQUITY Interest-bearing deposits: Savings and money market $ 39,259 $ 421 2.16 % $ 38,187 $ 519 2.73 % Time 10,840 217 4.03 10,261 247 4.84 Total interest-bearing deposits 50,099 638 2.57 48,448 766 3.18 Borrowed funds: Federal funds and security repurchase agreements 1,591 34 4.36 1,457 39 5.38 Other short-term borrowings 4,662 104 4.50 5,014 123 4.96 Long-term debt 961 31 6.39 543 16 5.98 Total borrowed funds 7,214 169 4.72 7,014 178 5.13 Total interest-bearing liabilities 57,313 807 2.84 55,462 944 3.42 Noninterest-bearing demand deposits 24,491 25,345 Other liabilities 1,576 1,654 Total liabilities 83,380 82,461 Shareholders’ equity: Preferred equity 66 440 Common equity 6,270 5,370 Total shareholders’ equity 6,336 5,810 Total liabilities and shareholders’ equity $ 89,716 $ 88,271 Spread on average interest-bearing funds 2.25 % 1.86 % Net impact of noninterest-bearing sources of funds 0.89 % 1.10 % Net interest margin $ 1,296 3.14 % $ 1,204 2.96 % Memo: total cost of deposits $ 74,590 638 1.72 % $ 73,793 766 2.09 % Memo: total deposits and interest-bearing liabilities $ 81,804 807 1.98 % $ 80,807 944 2.36 % 1 Taxable-equivalent rates used where applicable. 2 Net of unamortized purchase premiums, discounts, and deferred loan fees and costs. 12 Table of Contents ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES The Allowance and Provision for Credit Losses The allowance for credit losses (“ACL”) comprises both the allowance for loan and lease losses (“ALLL”) and the reserve for unfunded lending commitments (“RULC”). The ALLL represents the estimated current expected credit losses related to the loan and lease portfolio as of the balance sheet date. The RULC represents the estimated reserve for current expected credit losses associated with off-balance sheet commitments. Changes in the ALLL and RULC, net of charge-offs and recoveries, are recorded as the provision for loan and lease losses and the provision for unfunded lending commitments, respectively, on the consolidated statement of income. The ACL for debt securities is estimated separately from loans and is included in “Investment securities” on the consolidated balance sheet. The ACL was $732 million at June 30, 2025, compared with $726 million at June 30, 2024. The year-over-year increase in the ACL primarily reflects increased lending activity and more adverse economic scenarios, partially offset by lower reserves associated with certain portfolio-specific risks, such as commercial real estate (“CRE”). The ratio of ACL to total loans and leases was 1.20% at June 30, 2025, compared with 1.24% at June 30, 2024. The provision for credit losses, which includes both the provision for loan and lease losses and the provision for unfunded lending commitments, was negative $1 million in the second quarter of 2025, compared with a positive $5 million in the second quarter of 2024. The provision for securities losses was less than $1 million during both the second quarters of 2025 and 2024. 13 Table of Contents ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES The bar chart above illustrates the primary drivers of changes in the ACL compared with the prior year period. To estimate current expected losses, we use econometric loss models that incorporate multiple economic scenarios, ranging from optimistic to baseline to stressed economic conditions. The outcomes of these scenarios are weighted to derive the credit loss estimate. Management may adjust these scenario weightings based on their assessment of prevailing conditions and reasonable and supportable forecasts. The second bar reflects changes in economic forecasts and current economic conditions, incorporating management’s judgment regarding the weighting of these forecasts during the current quarter. These changes resulted in a $36 million increase in the ACL from the prior year quarter, primarily due to the incorporation of more adverse economic scenarios. The third bar captures changes in credit quality factors, including risk grade migration, portfolio-specific risks, and specific reserves on loans. Collectively, these factors contributed to a $52 million decrease in the ACL, largely driven by a reduced emphasis on portfolio-specific risks associated with the CRE loan portfolio. The fourth bar represents changes in the composition of the loan portfolio, including shifts in loan balances and mix, the aging of the portfolio, and other qualitative risk factors. These changes resulted in a $22 million increase in the ACL, primarily driven by $2.4 billion in period-end loan growth, partially offset by changes in the mix of the loan portfolio. For more information regarding the methodology used to determine the appropriate levels of the ALLL and RULC, see “Credit Risk Management” on page 22 and Note 6 in our 2024 Form 10-K. 14 Table of Contents ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES Noninterest Income Noninterest income is comprised of revenue generated from products and services that typically do not bear an associated interest rate or yield. It is categorized as either customer-related or noncustomer-related. Customer-related noninterest income excludes items such as securities gains and losses, dividends, and insurance-related income. Noninterest income accounted for 23% of total net revenue (sum of net interest income plus noninterest income) in both the second quarters of 2025 and 2024. It increased $11 million, or 6%, for the three months ended June 30, and $26 million, or 8%, for the six months ended June 30, 2025, relative to the same prior year period. The following schedule presents a comparison of the major components of noninterest income: NONINTEREST INCOME Three Months Ended June 30, Amount change Percent change Six Months Ended June 30, Amount change Percent change (Dollar amounts in millions) 2025 2024 2025 2024 Commercial account fees $ 46 $ 45 $ 1 2 % $ 91 $ 89 $ 2 2 % Card fees 24 25 (1) (4) 47 48 (1) (2) Retail and business banking fees 19 16 3 19 36 32 4 13 Loan-related fees and income 19 18 1 6 36 33 3 9 Capital markets fees and income 1 28 20 8 40 55 45 10 22 Wealth management fees 14 15 (1) (7) 29 30 (1) (3) Other customer-related fees 14 14 — — 28 28 — — Customer-related noninterest income 164 153 11 7 322 305 17 6 Dividends and other income 12 22 (10) (45) 19 28 (9) (32) Securities gains (losses), net 14 4 10 NM 20 2 18 NM Noncustomer-related noninterest income 26 26 — NM 39 30 9 30 Total noninterest income $ 190 $ 179 $ 11 6 $ 361 $ 335 $ 26 8 1 Effective the first quarter of 2025, capital markets fees and income includes fair value and nonhedge derivative income, which was previously disclosed under noncustomer-related noninterest income. These amounts totaled less than $1 million for the three and six months ended June 30, 2025, and for the six months ended June 30, 2024. For the three months ended June 30, 2024, the amount reflected a loss of $1 million. Customer-related Noninterest Income Customer-related noninterest income increased $11 million, or 7%, compared with the prior year period. This growth was driven by an $8 million increase in capital markets fees and income, largely attributable to higher swap fees and loan syndication activity. Additionally, retail and business banking fees increased $3 million, primarily due to increased deposit service fees. Noncustomer-related Noninterest Income Noncustomer-related noninterest income was flat compared with the prior year period. Net securities gains increased $10 million, which included an $11 million unrealized gain related to the successful completion of an IPO of one of our SBIC investments, FatPipe, Inc. This investment will be marked-to-market until our shares, which are subject to a minimum 180-day lock-up period from the IPO, are fully divested. An associated $2 million accrued success fee payable to the investment manager will also be adjusted based on the investment’s fair value. The increase in net securities gains was offset by a $10 million decline in dividends and other income, primarily due to higher gains in the prior year period associated with the sale of our Enterprise Retirement Solutions business. 15 Table of Contents ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES Noninterest Expense The following schedule presents a comparison of the major components of noninterest expense: NONINTEREST EXPENSE Three Months Ended June 30, Amount change Percent change Six Months Ended June 30, Amount change Percent change (Dollar amounts in millions) 2025 2024 2025 2024 Salaries and employee benefits $ 336 $ 318 $ 18 6 % $ 678 $ 649 $ 29 4 % Technology, telecom, and information processing 65 66 (1) (2) 135 128 7 5 Occupancy and equipment, net 40 40 — — 81 79 2 3 Professional and legal services 13 17 (4) (24) 26 33 (7) (21) Marketing and business development 12 13 (1) (8) 23 23 — — Deposit insurance and regulatory expense 20 21 (1) (5) 42 55 (13) (24) Credit-related expense 6 6 — — 12 13 (1) (8) Other real estate expense, net — (1) 1 NM — (1) 1 NM Other 35 29 6 21 68 56 12 21 Total noninterest expense $ 527 $ 509 $ 18 4 $ 1,065 $ 1,035 $ 30 3 Adjusted noninterest expense (non-GAAP) $ 521 $ 506 $ 15 3 % $ 1,054 $ 1,017 $ 37 4 % Noninterest expense increased $18 million, or 4%, relative to the prior year quarter. Salaries and employee benefits expense increased $18 million, primarily due to higher incentive compensation accruals as a result of improved profitability. Other noninterest expense increased $6 million, largely driven by increases in certain legal reserves and the success fee accrual associated with the IPO of the previously discussed SBIC investment. These increases were partially offset by a $4 million decline in professional and legal services, mainly due to reduced technology-related consulting expenses. Adjusted noninterest expense increased $15 million, or 3%. The efficiency ratio improved to 62.2%, compared with 64.5%, reflecting positive operating leverage as adjusted pre-provision net revenue increased $38 million, or 14%. For more information on non-GAAP financial measures, see page 40. For the six months ended June 30, 2025, noninterest expense increased $30 million, or 3%, relative to the same prior year period. Salaries and employee benefits expense increased $29 million, primarily due to higher incentive compensation accruals and increased benefits and severance-related expenses. Other noninterest expense increased $12 million, partly due to a $3 million impairment of certain long-lived assets, in addition to items previously discussed. Technology, telecom, and information processing expense increased $7 million, driven by higher application software, license, and maintenance costs. These increases were partially offset by a $13 million reduction in deposit insurance and regulatory expense, reflecting the Federal Deposit Insurance Corporation (“FDIC”) special assessment accrual in the same prior year period, and a $7 million decline in professional and legal services, due to the same factors previously noted.