10-Q – 2025-08-07 – zions-20250630.htm

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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

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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

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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

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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;

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• 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.

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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

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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.

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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:

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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.

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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:

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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.

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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.

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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.

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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.

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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.

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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.