SEC EDGAR · 10-Q
10-Q – 2025-11-06 – zions-20250930.htm
400794 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 REIT Real Estate Investment Trust
- • 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 third quarter of 2025, relative to the prior year period, reflected growth in net earnings applicable to common shareholders, diluted earnings per share (“EPS”), and adjusted pre-provision net revenue (“PPNR”). Diluted EPS increased to $1.48, compared with $1.37 in the third quarter of 2024, as higher net interest income and noninterest income were partially offset by a higher provision for credit losses and increased noninterest expense. | During the quarter, we recorded a $60 million provision for credit losses in connection with revolving lines of credit extended to two related commercial borrowers to finance the origination and purchase of commercial and residential mortgages. Of the total exposure, we charged off $50 million of the combined loan balances and established a full reserve for the remaining $10 million. These actions resulted from a review of the borrowers, guarantors, and associated collateral, which identified ap
- • The provision for credit losses was $49 million, compared with $13 million in the prior year period. The year-over-year increase was due to the previously disclosed credit losses involving two related commercial loans. | • Customer-related noninterest income increased $5 million, or 3%, primarily due to higher loan-related fees and income, largely resulting from increased mortgage loan sales activity. This growth was partially offset by an $11 million net credit valuation adjustment (“CVA”) loss, recorded in capital markets fees and income. This loss was primarily driven by an update to our valuation methodology, in addition to changes in other market factors. Excluding the impact of the net CVA loss, customer-r
- Net interest income accounted for 78% of total net revenue (sum of net interest income plus noninterest income) in both the third quarters of 2025 and 2024. It increased $52 million, or 8%, for the three months ended September 30, 2025, relative to the same prior year period. This increase was primarily due to lower funding costs and a favorable shift in the composition of average interest-earning assets, reflecting growth in higher-yielding loans and a decline in lower-yielding money market inv | 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 22% of total net revenue (sum of net interest income plus noninterest income) in both the third quarters of 2025 and 2024. It increased $17 million, or 10%, for the three months ended September 30, and $43 million, or 8%, for the nine months ended September 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 22% of total net revenue (sum of net interest income plus noninterest income) in both the third quarters of 2025 and 2024. It increased $17 million, or 10%, for the three months ended September 30, and $43 million, or 8%, for the nine months ended September 30, 2025, relative to the same prior year period. The following schedule presents a comparison of the major components of noninterest income: | NONINTEREST INCOME
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 63 63 200 174 | Net income 222 214 636 568
- Net income for the period $ 222 $ 214 $ 636 $ 568 | Other comprehensive income, net of tax:
- Balance at June 30, 2025 $ 66 147,603 $ 1,713 $ 6,981 $ ( 2,164 ) $ 6,596 | Net income for the period — — — 222 — 222 | Other comprehensive income, net of tax
- Balance at June 30, 2024 $ 440 147,684 $ 1,713 $ 6,421 $ ( 2,549 ) $ 6,025 | Net income for the period — — — 214 — 214 | 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 — — — 636 — 636 | 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 — — — 568 — 568 | Other comprehensive income, net of tax
- CASH FLOWS FROM OPERATING ACTIVITIES | Net income for the period $ 636 $ 568 | Adjustments to reconcile net income to net cash provided by operating activities:
Resultat per aktie
- EaR Earnings at Risk RULC Reserve for Unfunded Lending Commitments | EPS Earnings per Share S&P Standard & Poor's | EVE Economic Value of Equity SBA U.S. Small Business Administration
- Net Earnings Applicable to Common Shareholders | (in millions) Diluted EPS Adjusted PPNR | (in millions) 1
- Executive Summary | Our financial performance in the third quarter of 2025, relative to the prior year period, reflected growth in net earnings applicable to common shareholders, diluted earnings per share (“EPS”), and adjusted pre-provision net revenue (“PPNR”). Diluted EPS increased to $1.48, compared with $1.37 in the third quarter of 2024, as higher net interest income and noninterest income were partially offset by a higher provision for credit losses and increased noninterest expense. | During the quarter, we recorded a $60 million provision for credit losses in connection with revolving lines of credit extended to two related commercial borrowers to finance the origination and purchase of commercial and residential mortgages. Of the total exposure, we charged off $50 million of the combined loan balances and established a full reserve for the remaining $10 million. These actions resulted from a review of the borrowers, guarantors, and associated collateral, which identified ap
- 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 part of our disciplined underwriting and collateral evaluation practices, real estate appraisals are typically obtained when extending credit secured by commercial real estate. In some instances, automated valuation services or internal evaluations may be used. Appraisals are ordered and reviewed prior to loan closing, and new appraisals or evaluations are generally initiated when market conditions suggest a potential decline in collateral value, or when a loan is modified, renewed, or demons
- As previously discussed, we utilize derivative instruments to manage interest rate risk. The following schedule presents derivatives designated in qualifying hedging relationships at September 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 hedgin
- (Dollar amounts in millions) Fourth Quarter First Quarter Second Quarter Third Quarter Fourth Quarter First Quarter Second Quarter Third 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 and senior debts.
- 3 Fair value asset hedges consist of pay-fixed swaps that hedge fixed-rate AFS securities and fixed-rate commercial loans. | At September 30, 2025, we had $48 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 | 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 September 30, 2025, emergent sensitivity is modeled to reduce net interest income by approximately 6.6% from the latent level, yielding a cumulative increase of 1.4% in net interest income in the third quarter of 2026, relative to the | Our strategic focus on business banking plays a significant role in our asset-liability management approach. At September 30, 2025, $28.8 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 had $1.3 billion in notional of receive-fixed swaps designated as cash flow hedges. Additionally, at September 30, 2025, $4.4 billion in variable-rate consumer loans were also scheduled to | 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 39. For more information on the accounting treatment of investment securities, see Note 5 of the Notes to Consolidated Financial Statements.
Nettoskuld
- Liquidity refers to our ability to meet cash, contractual, and collateral obligations while effectively managing both anticipated and unanticipated cash flow requirements without negatively impacting our operations or financial strength. We manage liquidity to provide funding for customer credit needs, financial and contractual commitments, and other corporate activities. Our primary sources of liquidity include deposits, borrowings, equity, and the repayment or sale of assets such as loans and | For the first nine months of 2025, the primary sources of cash included a decrease in investment securities, a decrease in money market investments, and net cash provided by operating activities. The primary uses of cash during the same period included a decrease in deposits, an increase in loans and leases, and dividends paid on common and preferred stock. Cash payments for interest, reflected in operating expenses, totaled $1.2 billion and $1.4 billion for the first nine months of 2025 and 202 | The FHLB and FRB continue to serve as key sources of contingent liquidity and funding. As a member of the FHLB of Des Moines, we have the ability to borrow against eligible loans and securities to meet liquidity and funding requirements. To maintain our borrowing capacity, we are required to maintain investments in both FHLB and FRB stock. At September 30, 2025, our total investment in FHLB and FRB stock was $145 million and $54 million, respectively, compared with $124 million and $65 million a
- Net income for the period $ 636 $ 568 | Adjustments to reconcile net income to net cash provided by operating activities:
- ( 57 ) ( 24 ) | Net cash provided by operating activities 555 631 | CASH FLOWS FROM INVESTING ACTIVITIES
- ( 12 ) 5 | Net cash provided by investing activities 1,389 726 | CASH FLOWS FROM FINANCING ACTIVITIES
- Other, net ( 10 ) ( 7 ) | Net cash used in financing activities ( 1,824 ) ( 959 ) | Net increase in cash and due from banks 120 398
- Cash paid for interest $ 1,202 $ 1,423 | Net cash paid for income taxes 173 131 | Noncash activities:
Eget kapital
- Consolidated Statements of Changes in Shareholders’ Equity | 46
- • 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 $ 89,155 $ 89,170 | LIABILITIES AND SHAREHOLDERS’ EQUITY | Interest-bearing deposits:
- Total liabilities 82,473 82,992 | Shareholders’ equity: | Preferred equity 66 440
- Common equity 6,616 5,738 | Total shareholders’ equity 6,682 6,178 | Total liabilities and shareholders’ equity $ 89,155 $ 89,170
- Total shareholders’ equity 6,682 6,178 | Total liabilities and shareholders’ equity $ 89,155 $ 89,170 | Spread on average interest-bearing funds 2.38 % 1.95 %
- Total assets $ 89,527 $ 88,573 | LIABILITIES AND SHAREHOLDERS’ EQUITY | Interest-bearing deposits:
- Total liabilities 83,074 82,640 | 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 October 31, 2025: 147,641,034 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 October 31, 2025: 147,641,034 shares
- Total shareholders’ equity increased $741 million, or 12%, to $6.9 billion at September 30, 2025, compared with $6.1 billion at December 31, 2024. Common stock and additional paid-in capital decreased $16 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 pla | At September 30, 2025, the AOCI balance reflected a net loss of $2.1 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 ($1.2 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 $324 million, primarily due to $142 million related to paydowns on AFS securities, and
- Total capital distributed to preferred and common shareholders $ 68 $ 71 $ 240 $ 250 | Weighted average diluted common shares outstanding (in thousands) | 147,125 147,150 147,175 147,202
- 147,125 147,150 147,175 147,202 | Common shares outstanding, at period end (in thousands) 147,640 147,699 147,640 147,699
- Tangible assets (non-GAAP) (c) $ 87,439 $ 87,797 $ 85,979 | Common shares outstanding (in thousands) (d) 147,640 147,603 147,699 | Tangible equity ratio (non-GAAP) (a/c) 6.6 % 6.3 % 6.2 %
- Net earnings applicable to common shareholders $ 221 $ 204 $ 633 $ 537 | Weighted average common shares outstanding during the period: | Basic shares (in thousands) 147,045 147,138 147,136 147,197
- Total earnings applicable to common shares $ 218 $ 202 $ 625 $ 531 | Weighted average common shares outstanding (in thousands) 147,045 147,138 147,136 147,197 | Net earnings per common share $ 1.48 $ 1.37 $ 4.25 $ 3.61
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
- 1 Includes amounts related to common shares 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.
Fulltext
Dokumentet är delat för att hålla varje sida lätt att hämta. Del 1 · Del 2 · Del 3
zions-20250930 false 2025 Q3 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 2025-09-30 0000109380 us-gaap:CommonStockMember 2025-01-01 2025-09-30 0000109380 zions:SeriesAFloatingRateNonCumulativePerpetualPreferredStockMember 2025-01-01 2025-09-30 0000109380 2025-10-31 0000109380 2025-09-30 0000109380 2024-12-31 0000109380 2025-07-01 2025-09-30 0000109380 2024-07-01 2024-09-30 0000109380 2024-01-01 2024-09-30 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 2025-06-30 0000109380 us-gaap:RetainedEarningsMember 2025-07-01 2025-09-30 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommonStockMember 2025-07-01 2025-09-30 0000109380 us-gaap:AdditionalPaidInCapitalMember 2025-07-01 2025-09-30 0000109380 us-gaap:PreferredStockMember 2025-09-30 0000109380 us-gaap:CommonStockMember 2025-09-30 0000109380 us-gaap:AdditionalPaidInCapitalMember 2025-09-30 0000109380 us-gaap:RetainedEarningsMember 2025-09-30 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-09-30 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:RetainedEarningsMember 2024-07-01 2024-09-30 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommonStockMember 2024-07-01 2024-09-30 0000109380 us-gaap:AdditionalPaidInCapitalMember 2024-07-01 2024-09-30 0000109380 us-gaap:PreferredStockMember 2024-09-30 0000109380 us-gaap:CommonStockMember 2024-09-30 0000109380 us-gaap:AdditionalPaidInCapitalMember 2024-09-30 0000109380 us-gaap:RetainedEarningsMember 2024-09-30 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-09-30 0000109380 2024-09-30 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 2025-09-30 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommonStockMember 2025-01-01 2025-09-30 0000109380 us-gaap:AdditionalPaidInCapitalMember 2025-01-01 2025-09-30 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 2024-09-30 0000109380 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommonStockMember 2024-01-01 2024-09-30 0000109380 us-gaap:AdditionalPaidInCapitalMember 2024-01-01 2024-09-30 0000109380 zions:TradingSecuritiesMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000109380 zions:TradingSecuritiesMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000109380 zions:TradingSecuritiesMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000109380 zions:TradingSecuritiesMember 2025-09-30 0000109380 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000109380 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000109380 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000109380 us-gaap:USTreasurySecuritiesMember 2025-09-30 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000109380 us-gaap:USStatesAndPoliticalSubdivisionsMember 2025-09-30 0000109380 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000109380 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000109380 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000109380 us-gaap:OtherDebtSecuritiesMember 2025-09-30 0000109380 zions:DebtSecuritiesAvailableForSaleExcludingAccruedInterestMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000109380 zions:DebtSecuritiesAvailableForSaleExcludingAccruedInterestMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000109380 zions:DebtSecuritiesAvailableForSaleExcludingAccruedInterestMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000109380 zions:DebtSecuritiesAvailableForSaleExcludingAccruedInterestMember 2025-09-30 0000109380 zions:FinancingReceivableHeldForSaleMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000109380 zions:FinancingReceivableHeldForSaleMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000109380 zions:FinancingReceivableHeldForSaleMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000109380 zions:FinancingReceivableHeldForSaleMember 2025-09-30 0000109380 zions:BankownedlifeinsuranceMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000109380 zions:BankownedlifeinsuranceMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000109380 zions:BankownedlifeinsuranceMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000109380 zions:BankownedlifeinsuranceMember 2025-09-30 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000109380 us-gaap:PrivateEquityFundsMember 2025-09-30 0000109380 us-gaap:InterestOnlyStripMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000109380 us-gaap:InterestOnlyStripMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000109380 us-gaap:InterestOnlyStripMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000109380 us-gaap:InterestOnlyStripMember 2025-09-30 0000109380 us-gaap:WarrantyRightsAndObligationsFairValueOptionMember us-gaap:FairValueInputsLevel1Member us-gaap:DeferredCompensationArrangementWithIndividualByTypeOfCompensationPensionAndOtherPostretirementBenefitsMember 2025-09-30 0000109380 us-gaap:WarrantyRightsAndObligationsFairValueOptionMember us-gaap:FairValueInputsLevel2Member us-gaap:DeferredCompensationArrangementWithIndividualByTypeOfCompensationPensionAndOtherPostretirementBenefitsMember 2025-09-30 0000109380 us-gaap:WarrantyRightsAndObligationsFairValueOptionMember us-gaap:FairValueInputsLevel3Member us-gaap:DeferredCompensationArrangementWithIndividualByTypeOfCompensationPensionAndOtherPostretirementBenefitsMember 2025-09-30 0000109380 us-gaap:WarrantyRightsAndObligationsFairValueOptionMember us-gaap:DeferredCompensationArrangementWithIndividualByTypeOfCompensationPensionAndOtherPostretirementBenefitsMember 2025-09-30 0000109380 us-gaap:DerivativeMember us-gaap:FairValueInputsLevel1Member 2025-09-30 0000109380 us-gaap:DerivativeMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000109380 us-gaap:DerivativeMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000109380 us-gaap:DerivativeMember 2025-09-30 0000109380 us-gaap:FairValueInputsLevel1Member 2025-09-30 0000109380 us-gaap:FairValueInputsLevel2Member 2025-09-30 0000109380 us-gaap:FairValueInputsLevel3Member 2025-09-30 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:FairValueInputsLevel1Member 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 2025-06-30 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: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 2025-07-01 2025-09-30 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueInputsLevel3Member 2025-07-01 2025-09-30 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel3Member 2024-07-01 2024-09-30 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueInputsLevel3Member 2024-07-01 2024-09-30 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel3Member 2025-01-01 2025-09-30 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueInputsLevel3Member 2025-01-01 2025-09-30 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel3Member 2024-01-01 2024-09-30 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueInputsLevel3Member 2024-01-01 2024-09-30 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000109380 us-gaap:PrivateEquityFundsMember us-gaap:FairValueInputsLevel3Member 2024-09-30 0000109380 us-gaap:ServicingContractsMember us-gaap:FairValueInputsLevel3Member 2024-09-30 0000109380 us-gaap:FairValueInputsLevel3Member 2025-07-01 2025-09-30 0000109380 us-gaap:FairValueInputsLevel3Member 2024-07-01 2024-09-30 0000109380 us-gaap:FairValueInputsLevel3Member 2025-01-01 2025-09-30 0000109380 us-gaap:FairValueInputsLevel3Member 2024-01-01 2024-09-30 0000109380 zions:CollateralDependentLoansMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000109380 zions:CollateralDependentLoansMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2025-07-01 2025-09-30 0000109380 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:FairValueInputsLevel2Member 2025-09-30 0000109380 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel2Member 2025-09-30 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 2025-09-30 0000109380 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel3Member 2025-09-30 0000109380 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0000109380 us-gaap:AssetPledgedAsCollateralMember 2025-09-30 0000109380 us-gaap:AssetPledgedAsCollateralMember 2024-12-31 0000109380 zions:FixedRateAvailableForSaleSecuritiesMember 2025-01-01 2025-09-30 0000109380 zions:FixedRateAvailableForSaleSecuritiesMember 2024-01-01 2024-12-31 0000109380 us-gaap:AgencySecuritiesMember 2025-09-30 0000109380 zions:AgencyGuaranteedMortgageBackedSecuritiesMember 2025-09-30 0000109380 zions:SmallBusinessAdministrationLoanBackedSecuritiesMember 2025-09-30 0000109380 zions:AvailableforsaleOtherdebtsecuritiesMember 2025-09-30 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 srt:MaximumMember 2025-09-30 0000109380 zions:AvailableForSaleUnrealizedGainsOtherMember srt:MaximumMember 2024-12-31 0000109380 zions:TaxableMember 2025-07-01 2025-09-30 0000109380 zions:NontaxableMember 2025-07-01 2025-09-30 0000109380 zions:TaxableMember 2024-07-01 2024-09-30 0000109380 zions:NontaxableMember 2024-07-01 2024-09-30 0000109380 zions:TaxableMember 2025-01-01 2025-09-30 0000109380 zions:NontaxableMember 2025-01-01 2025-09-30 0000109380 zions:TaxableMember 2024-01-01 2024-09-30 0000109380 zions:NontaxableMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember 2024-12-31 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2024-12-31 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:LandAcquisitionAndDevelopmentMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:LandAcquisitionAndDevelopmentMember 2024-12-31 0000109380 us-gaap:AssetPledgedAsCollateralWithoutRightMember 2025-09-30 0000109380 us-gaap:AssetPledgedAsCollateralWithoutRightMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember 2025-06-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-06-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2025-06-30 0000109380 us-gaap:CommercialPortfolioSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2025-01-01 2025-09-30 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 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2024-09-30 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 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:FinancialAsset30To89DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:FinancialAsset30To89DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember zions:FinancialAsset30To89DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:FinancialAsset30To89DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:FinancialAsset30To89DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:FinancialAsset30To89DaysPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember zions:FinancialAsset30To89DaysPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember zions:FinancialAsset30To89DaysPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember zions:FinancialAsset30To89DaysPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember zions:FinancialAsset30To89DaysPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-09-30 0000109380 us-gaap:FinancialAssetNotPastDueMember 2025-09-30 0000109380 zions:FinancialAsset30To89DaysPastDueMember 2025-09-30 0000109380 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-09-30 0000109380 us-gaap:FinancialAssetPastDueMember 2025-09-30 0000109380 us-gaap:FinancingReceivables1To29DaysPastDueMember 2025-09-30 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 2025-09-30 0000109380 us-gaap:DoubtfulMember 2024-12-31 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PassMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:SpecialMentionMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:AccruingSubstandardMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:NonaccrualMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PassMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:SpecialMentionMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:AccruingSubstandardMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:NonaccrualMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:PassMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:SpecialMentionMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember zions:AccruingSubstandardMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember zions:NonaccrualMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:PassMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember us-gaap:SpecialMentionMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember zions:AccruingSubstandardMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember zions:NonaccrualMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PassMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:SpecialMentionMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:AccruingSubstandardMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:NonaccrualMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PassMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:SpecialMentionMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:AccruingSubstandardMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:NonaccrualMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PassMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:SpecialMentionMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:AccruingSubstandardMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:NonaccrualMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:PassMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:SpecialMentionMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember zions:AccruingSubstandardMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember zions:NonaccrualMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:PassMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember us-gaap:SpecialMentionMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember zions:AccruingSubstandardMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:ConstructionAndOtherConsumerRealEstateMember zions:NonaccrualMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:PassMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember us-gaap:SpecialMentionMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember zions:AccruingSubstandardMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember zions:NonaccrualMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:PassMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:SpecialMentionMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember zions:AccruingSubstandardMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember zions:NonaccrualMember 2025-09-30 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 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember 2025-07-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember 2025-07-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinanceLeasesPortfolioSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember 2025-01-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember 2025-01-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember 2025-01-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember 2025-01-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember 2024-07-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember 2024-07-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:BankcardAndOtherRevolvingPlansMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember 2024-01-01 2024-09-30 0000109380 zions:NonaccrualMember 2025-09-30 0000109380 us-gaap:PaymentDeferralMember 2025-07-01 2025-09-30 0000109380 us-gaap:PaymentDeferralMember 2025-01-01 2025-09-30 0000109380 us-gaap:PaymentDeferralMember 2024-07-01 2024-09-30 0000109380 us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:ContractualInterestRateReductionMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:ExtendedMaturityMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PrincipalForgivenessMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PaymentDeferralMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:MultipleModificationTypesMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:ContractualInterestRateReductionMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:ExtendedMaturityMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PrincipalForgivenessMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PaymentDeferralMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:MultipleModificationTypesMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MultipleModificationTypesMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:ContractualInterestRateReductionMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:ExtendedMaturityMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PrincipalForgivenessMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PaymentDeferralMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:MultipleModificationTypesMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:ContractualInterestRateReductionMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:ExtendedMaturityMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PrincipalForgivenessMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PaymentDeferralMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:MultipleModificationTypesMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:MultipleModificationTypesMember 2025-07-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:ContractualInterestRateReductionMember 2025-07-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:ExtendedMaturityMember 2025-07-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PrincipalForgivenessMember 2025-07-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PaymentDeferralMember 2025-07-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:MultipleModificationTypesMember 2025-07-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember 2025-07-01 2025-09-30 0000109380 us-gaap:ContractualInterestRateReductionMember 2025-07-01 2025-09-30 0000109380 us-gaap:ExtendedMaturityMember 2025-07-01 2025-09-30 0000109380 us-gaap:PrincipalForgivenessMember 2025-07-01 2025-09-30 0000109380 zions:MultipleModificationTypesMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PaymentDeferralMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:MultipleModificationTypesMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PaymentDeferralMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:MultipleModificationTypesMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MultipleModificationTypesMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PaymentDeferralMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:MultipleModificationTypesMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PaymentDeferralMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:MultipleModificationTypesMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:MultipleModificationTypesMember 2025-01-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PaymentDeferralMember 2025-01-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:MultipleModificationTypesMember 2025-01-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:PaymentDeferralMember 2025-01-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember zions:MultipleModificationTypesMember 2025-01-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2025-01-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-01-01 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:MultipleModificationTypesMember 2025-01-01 2025-09-30 0000109380 us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-09-30 0000109380 us-gaap:ExtendedMaturityMember 2025-01-01 2025-09-30 0000109380 us-gaap:PrincipalForgivenessMember 2025-01-01 2025-09-30 0000109380 zions:MultipleModificationTypesMember 2025-01-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:ContractualInterestRateReductionMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:ExtendedMaturityMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PrincipalForgivenessMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PaymentDeferralMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:MultipleModificationTypesMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:ContractualInterestRateReductionMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:ExtendedMaturityMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PrincipalForgivenessMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PaymentDeferralMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:MultipleModificationTypesMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:ContractualInterestRateReductionMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:ExtendedMaturityMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PrincipalForgivenessMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PaymentDeferralMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:MultipleModificationTypesMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ExtendedMaturityMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:MultipleModificationTypesMember 2024-07-01 2024-09-30 0000109380 us-gaap:ContractualInterestRateReductionMember 2024-07-01 2024-09-30 0000109380 us-gaap:ExtendedMaturityMember 2024-07-01 2024-09-30 0000109380 us-gaap:PrincipalForgivenessMember 2024-07-01 2024-09-30 0000109380 zions:MultipleModificationTypesMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:MultipleModificationTypesMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:MultipleModificationTypesMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember zions:MultipleModificationTypesMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MultipleModificationTypesMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:MultipleModificationTypesMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:MultipleModificationTypesMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:MultipleModificationTypesMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:MultipleModificationTypesMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember zions:MultipleModificationTypesMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember zions:MultipleModificationTypesMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:PrincipalForgivenessMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:PaymentDeferralMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:MultipleModificationTypesMember 2024-01-01 2024-09-30 0000109380 us-gaap:ContractualInterestRateReductionMember 2024-01-01 2024-09-30 0000109380 us-gaap:ExtendedMaturityMember 2024-01-01 2024-09-30 0000109380 us-gaap:PrincipalForgivenessMember 2024-01-01 2024-09-30 0000109380 zions:MultipleModificationTypesMember 2024-01-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember 2025-07-01 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember 2024-07-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember 2024-07-01 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember 2024-07-01 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:FinancialAsset30To89DaysPastDueMember 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember us-gaap:FinancialAssetPastDueMember 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:FinancialAsset30To89DaysPastDueMember 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember us-gaap:FinancialAssetPastDueMember 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember zions:FinancialAsset30To89DaysPastDueMember 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember us-gaap:FinancialAssetPastDueMember 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember zions:FinancialAsset30To89DaysPastDueMember 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember us-gaap:FinancialAssetPastDueMember 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember zions:FinancialAsset30To89DaysPastDueMember 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember us-gaap:FinancialAssetPastDueMember 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:ConstructionAndLandDevelopmentMember 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:FinancialAsset30To89DaysPastDueMember 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember us-gaap:FinancialAssetPastDueMember 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember zions:FinancialAsset30To89DaysPastDueMember 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember us-gaap:FinancialAssetPastDueMember 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityMember 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember zions:FinancialAsset30To89DaysPastDueMember 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember us-gaap:FinancialAssetPastDueMember 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OtherConsumerLoansMember 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:FinancialAsset30To89DaysPastDueMember 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2024-09-30 0000109380 us-gaap:FinancialAssetNotPastDueMember 2024-09-30 0000109380 zions:FinancialAsset30To89DaysPastDueMember 2024-09-30 0000109380 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-09-30 0000109380 us-gaap:FinancialAssetPastDueMember 2024-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:CommercialAndIndustrialMember zions:SingleFamilyResidentialMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:OwnerOccupiedMember zions:IndustrialBuildingMember 2025-09-30 0000109380 us-gaap:CommercialPortfolioSegmentMember zions:MunicipalMember zions:MultifamilyApartmentsMember 2025-09-30 0000109380 us-gaap:CommercialRealEstatePortfolioSegmentMember zions:TermMember srt:OfficeBuildingMember 2025-09-30 0000109380 us-gaap:ConsumerPortfolioSegmentMember zions:OneThroughFourFamilyResidentialMember zions:SingleFamilyResidentialMember 2025-09-30 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 2025-09-30 0000109380 us-gaap:USTreasurySecuritiesMember us-gaap:SecuritiesSoldUnderAgreementsToRepurchaseMember us-gaap:AssetPledgedAsCollateralMember 2025-09-30 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-09-30 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:OtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-09-30 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-09-30 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 2025-09-30 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:OtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-09-30 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-09-30 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 2025-09-30 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:OtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-09-30 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-09-30 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 2025-09-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:OtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-09-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-09-30 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 2025-09-30 0000109380 us-gaap:OtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember 2025-09-30 0000109380 us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember 2025-09-30 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 2025-09-30 0000109380 zions:InterestRateSwapsForCustomersMember us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2025-09-30 0000109380 zions:InterestRateSwapsForCustomersMember us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2025-09-30 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:CommodityContractMember us-gaap:NondesignatedMember 2025-09-30 0000109380 us-gaap:CommodityContractMember us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2025-09-30 0000109380 us-gaap:CommodityContractMember us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2025-09-30 0000109380 us-gaap:CommodityContractMember us-gaap:NondesignatedMember 2024-12-31 0000109380 us-gaap:CommodityContractMember us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2024-12-31 0000109380 us-gaap:CommodityContractMember us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2024-12-31 0000109380 us-gaap:OtherContractMember us-gaap:NondesignatedMember 2025-09-30 0000109380 us-gaap:OtherContractMember us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2025-09-30 0000109380 us-gaap:OtherContractMember us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2025-09-30 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 2025-09-30 0000109380 us-gaap:ForeignExchangeContractMember us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2025-09-30 0000109380 us-gaap:ForeignExchangeContractMember us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2025-09-30 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 2025-09-30 0000109380 zions:PurchasedCreditDerivativeMember us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2025-09-30 0000109380 zions:PurchasedCreditDerivativeMember us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2025-09-30 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 2025-09-30 0000109380 us-gaap:OtherAssetsMember us-gaap:NondesignatedMember 2025-09-30 0000109380 us-gaap:OtherLiabilitiesMember us-gaap:NondesignatedMember 2025-09-30 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 2025-09-30 0000109380 us-gaap:OtherLiabilitiesMember 2025-09-30 0000109380 us-gaap:OtherAssetsMember 2024-12-31 0000109380 us-gaap:OtherLiabilitiesMember 2024-12-31 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-07-01 2025-09-30 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2024-07-01 2024-09-30 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-07-01 2025-09-30 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2024-07-01 2024-09-30 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-07-01 2025-09-30 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-07-01 2024-09-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-07-01 2025-09-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-07-01 2024-09-30 0000109380 us-gaap:DesignatedAsHedgingInstrumentMember 2025-07-01 2025-09-30 0000109380 us-gaap:DesignatedAsHedgingInstrumentMember 2024-07-01 2024-09-30 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-01-01 2025-09-30 0000109380 zions:HedgesOfFloatingRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2024-01-01 2024-09-30 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-01-01 2025-09-30 0000109380 zions:HedgesOfFloatingRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2024-01-01 2024-09-30 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-01-01 2025-09-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-01-01 2025-09-30 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-01-01 2024-09-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2024-01-01 2024-09-30 0000109380 us-gaap:DesignatedAsHedgingInstrumentMember 2025-01-01 2025-09-30 0000109380 us-gaap:DesignatedAsHedgingInstrumentMember 2024-01-01 2024-09-30 0000109380 us-gaap:CashFlowHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember 2025-09-30 0000109380 us-gaap:CashFlowHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember 2024-09-30 0000109380 zions:InterestRateSwapsForCustomersMember us-gaap:NondesignatedMember 2025-07-01 2025-09-30 0000109380 zions:InterestRateSwapsForCustomersMember us-gaap:NondesignatedMember 2025-01-01 2025-09-30 0000109380 zions:InterestRateSwapsForCustomersMember us-gaap:NondesignatedMember 2024-07-01 2024-09-30 0000109380 zions:InterestRateSwapsForCustomersMember us-gaap:NondesignatedMember 2024-01-01 2024-09-30 0000109380 us-gaap:OtherContractMember us-gaap:NondesignatedMember 2025-07-01 2025-09-30 0000109380 us-gaap:OtherContractMember us-gaap:NondesignatedMember 2025-01-01 2025-09-30 0000109380 us-gaap:OtherContractMember us-gaap:NondesignatedMember 2024-07-01 2024-09-30 0000109380 us-gaap:OtherContractMember us-gaap:NondesignatedMember 2024-01-01 2024-09-30 0000109380 us-gaap:ForeignExchangeContractMember us-gaap:NondesignatedMember 2025-07-01 2025-09-30 0000109380 us-gaap:ForeignExchangeContractMember us-gaap:NondesignatedMember 2025-01-01 2025-09-30 0000109380 us-gaap:ForeignExchangeContractMember us-gaap:NondesignatedMember 2024-07-01 2024-09-30 0000109380 us-gaap:ForeignExchangeContractMember us-gaap:NondesignatedMember 2024-01-01 2024-09-30 0000109380 zions:PurchasedCreditDerivativeMember us-gaap:NondesignatedMember 2025-07-01 2025-09-30 0000109380 zions:PurchasedCreditDerivativeMember us-gaap:NondesignatedMember 2025-01-01 2025-09-30 0000109380 zions:PurchasedCreditDerivativeMember us-gaap:NondesignatedMember 2024-07-01 2024-09-30 0000109380 zions:PurchasedCreditDerivativeMember us-gaap:NondesignatedMember 2024-01-01 2024-09-30 0000109380 us-gaap:NondesignatedMember 2025-07-01 2025-09-30 0000109380 us-gaap:NondesignatedMember 2025-01-01 2025-09-30 0000109380 us-gaap:NondesignatedMember 2024-07-01 2024-09-30 0000109380 us-gaap:NondesignatedMember 2024-01-01 2024-09-30 0000109380 zions:HedgesOfFixedRateAssetsMember 2025-07-01 2025-09-30 0000109380 zions:HedgesOfFixedRateAssetsMember 2024-07-01 2024-09-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember 2025-07-01 2025-09-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember 2024-07-01 2024-09-30 0000109380 zions:HedgesOfFixedRateAssetsMember 2025-01-01 2025-09-30 0000109380 zions:HedgesOfFixedRateAssetsMember 2024-01-01 2024-09-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember 2025-01-01 2025-09-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember 2024-01-01 2024-09-30 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:FairValueHedgingMember 2025-09-30 0000109380 zions:HedgesOfFixedRateAssetsMember us-gaap:FairValueHedgingMember 2024-12-31 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:FairValueHedgingMember 2025-09-30 0000109380 zions:HedgesOfFixedRateLiabilitiesMember us-gaap:FairValueHedgingMember 2024-12-31 0000109380 us-gaap:FairValueHedgingMember 2025-09-30 0000109380 zions:A4.70FixedToFloatingSeniorNotesMember us-gaap:SeniorNotesMember 2025-09-30 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 2025-09-30 0000109380 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-01-01 2025-09-30 0000109380 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-09-30 0000109380 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-09-30 0000109380 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2025-09-30 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 2024-09-30 0000109380 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2024-01-01 2024-09-30 0000109380 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2024-09-30 0000109380 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2024-09-30 0000109380 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2024-09-30 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-07-01 2025-09-30 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2024-07-01 2024-09-30 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-01-01 2025-09-30 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2024-01-01 2024-09-30 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-07-01 2025-09-30 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2024-07-01 2024-09-30 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-01-01 2025-09-30 0000109380 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2024-01-01 2024-09-30 0000109380 us-gaap:StandbyLettersOfCreditMember 2025-09-30 0000109380 us-gaap:StandbyLettersOfCreditMember 2024-12-31 0000109380 us-gaap:PerformanceGuaranteeMember 2025-09-30 0000109380 us-gaap:PerformanceGuaranteeMember 2024-12-31 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:ZionsBankSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:ZionsBankSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:AmegyCorporationSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:AmegyCorporationSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:ZionsBankSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:ZionsBankSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:AmegyCorporationSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:AmegyCorporationSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:ZionsBankSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:ZionsBankSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:AmegyCorporationSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:AmegyCorporationSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:ZionsBankSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:ZionsBankSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:AmegyCorporationSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:AmegyCorporationSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:ZionsBankSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:ZionsBankSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:AmegyCorporationSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:AmegyCorporationSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:ZionsBankSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:ZionsBankSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:AmegyCorporationSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:AmegyCorporationSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ZionsBankSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ZionsBankSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:CaliforniaBankAndTrustSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:CaliforniaBankAndTrustSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:AmegyCorporationSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:AmegyCorporationSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NationalBankOfArizonaSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NationalBankOfArizonaSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NevadaStateBankSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NevadaStateBankSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:VectraBankColoradoSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:VectraBankColoradoSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NationalBankOfArizonaSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NationalBankOfArizonaSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NevadaStateBankSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NevadaStateBankSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:VectraBankColoradoSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:VectraBankColoradoSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NationalBankOfArizonaSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NationalBankOfArizonaSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NevadaStateBankSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NevadaStateBankSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:VectraBankColoradoSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:VectraBankColoradoSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:NationalBankOfArizonaSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:NationalBankOfArizonaSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:NevadaStateBankSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:NevadaStateBankSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:VectraBankColoradoSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:VectraBankColoradoSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NationalBankOfArizonaSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NationalBankOfArizonaSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NevadaStateBankSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NevadaStateBankSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:VectraBankColoradoSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:VectraBankColoradoSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NationalBankOfArizonaSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NationalBankOfArizonaSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NevadaStateBankSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NevadaStateBankSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:VectraBankColoradoSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:VectraBankColoradoSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:NationalBankOfArizonaSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:NationalBankOfArizonaSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:NevadaStateBankSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:NevadaStateBankSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:VectraBankColoradoSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:VectraBankColoradoSegmentMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-07-01 2024-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCommercialAccountFeesMember 2025-07-01 2025-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCommercialAccountFeesMember 2024-07-01 2024-09-30 0000109380 zions:ProductsAndServicesCommercialAccountFeesMember 2025-07-01 2025-09-30 0000109380 zions:ProductsAndServicesCommercialAccountFeesMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-07-01 2024-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCardFeesMember 2025-07-01 2025-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCardFeesMember 2024-07-01 2024-09-30 0000109380 zions:ProductsAndServicesCardFeesMember 2025-07-01 2025-09-30 0000109380 zions:ProductsAndServicesCardFeesMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-07-01 2024-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2025-07-01 2025-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2024-07-01 2024-09-30 0000109380 zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2025-07-01 2025-09-30 0000109380 zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-07-01 2024-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember 2025-07-01 2025-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember 2024-07-01 2024-09-30 0000109380 zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember 2025-07-01 2025-09-30 0000109380 zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-07-01 2024-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesWealthManagementFeesMember 2025-07-01 2025-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesWealthManagementFeesMember 2024-07-01 2024-09-30 0000109380 zions:ProductsAndServicesWealthManagementFeesMember 2025-07-01 2025-09-30 0000109380 zions:ProductsAndServicesWealthManagementFeesMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-07-01 2024-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2025-07-01 2025-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2024-07-01 2024-09-30 0000109380 zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2025-07-01 2025-09-30 0000109380 zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:CommerceBankOfWashingtonSegmentMember 2025-07-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:CommerceBankOfWashingtonSegmentMember 2024-07-01 2024-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember 2025-07-01 2025-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember 2024-07-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:ZionsBankSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:ZionsBankSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:AmegyCorporationSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:AmegyCorporationSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:ZionsBankSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:ZionsBankSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:AmegyCorporationSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:AmegyCorporationSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:ZionsBankSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:ZionsBankSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:AmegyCorporationSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:AmegyCorporationSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:ZionsBankSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:ZionsBankSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:AmegyCorporationSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:AmegyCorporationSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:ZionsBankSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:ZionsBankSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:AmegyCorporationSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:AmegyCorporationSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:ZionsBankSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:ZionsBankSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CaliforniaBankAndTrustSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CaliforniaBankAndTrustSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:AmegyCorporationSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:AmegyCorporationSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ZionsBankSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ZionsBankSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:CaliforniaBankAndTrustSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:CaliforniaBankAndTrustSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:AmegyCorporationSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:AmegyCorporationSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NationalBankOfArizonaSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NationalBankOfArizonaSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NevadaStateBankSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:NevadaStateBankSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:VectraBankColoradoSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:VectraBankColoradoSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NationalBankOfArizonaSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NationalBankOfArizonaSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NevadaStateBankSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:NevadaStateBankSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:VectraBankColoradoSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:VectraBankColoradoSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NationalBankOfArizonaSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NationalBankOfArizonaSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NevadaStateBankSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:NevadaStateBankSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:VectraBankColoradoSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:VectraBankColoradoSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:NationalBankOfArizonaSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:NationalBankOfArizonaSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:NevadaStateBankSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:NevadaStateBankSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:VectraBankColoradoSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:VectraBankColoradoSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NationalBankOfArizonaSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NationalBankOfArizonaSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NevadaStateBankSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:NevadaStateBankSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:VectraBankColoradoSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:VectraBankColoradoSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NationalBankOfArizonaSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NationalBankOfArizonaSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NevadaStateBankSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:NevadaStateBankSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:VectraBankColoradoSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:VectraBankColoradoSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:NationalBankOfArizonaSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:NationalBankOfArizonaSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:NevadaStateBankSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:NevadaStateBankSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:VectraBankColoradoSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:VectraBankColoradoSegmentMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCommercialAccountFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-01-01 2024-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCommercialAccountFeesMember 2025-01-01 2025-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCommercialAccountFeesMember 2024-01-01 2024-09-30 0000109380 zions:ProductsAndServicesCommercialAccountFeesMember 2025-01-01 2025-09-30 0000109380 zions:ProductsAndServicesCommercialAccountFeesMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCardFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-01-01 2024-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCardFeesMember 2025-01-01 2025-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCardFeesMember 2024-01-01 2024-09-30 0000109380 zions:ProductsAndServicesCardFeesMember 2025-01-01 2025-09-30 0000109380 zions:ProductsAndServicesCardFeesMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-01-01 2024-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2025-01-01 2025-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2024-01-01 2024-09-30 0000109380 zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2025-01-01 2025-09-30 0000109380 zions:ProductsAndServicesRetailAndBusinessBankingFeesMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-01-01 2024-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember 2025-01-01 2025-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember 2024-01-01 2024-09-30 0000109380 zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember 2025-01-01 2025-09-30 0000109380 zions:ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesWealthManagementFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-01-01 2024-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesWealthManagementFeesMember 2025-01-01 2025-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesWealthManagementFeesMember 2024-01-01 2024-09-30 0000109380 zions:ProductsAndServicesWealthManagementFeesMember 2025-01-01 2025-09-30 0000109380 zions:ProductsAndServicesWealthManagementFeesMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CommerceBankOfWashingtonSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember zions:CommerceBankOfWashingtonSegmentMember 2024-01-01 2024-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2025-01-01 2025-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2024-01-01 2024-09-30 0000109380 zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2025-01-01 2025-09-30 0000109380 zions:ProductsAndServicesOtherCustomerRelatedFeesMember 2024-01-01 2024-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:CommerceBankOfWashingtonSegmentMember 2025-01-01 2025-09-30 0000109380 us-gaap:OperatingSegmentsMember zions:CommerceBankOfWashingtonSegmentMember 2024-01-01 2024-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember 2025-01-01 2025-09-30 0000109380 zions:CorporateReconcilingItemsAndEliminationsMember 2024-01-01 2024-09-30 0000109380 us-gaap:RestrictedStockUnitsRSUMember 2025-07-01 2025-09-30 0000109380 us-gaap:RestrictedStockUnitsRSUMember 2024-07-01 2024-09-30 0000109380 us-gaap:RestrictedStockUnitsRSUMember 2025-01-01 2025-09-30 0000109380 us-gaap:RestrictedStockUnitsRSUMember 2024-01-01 2024-09-30 0000109380 us-gaap:EmployeeStockOptionMember 2025-07-01 2025-09-30 0000109380 us-gaap:EmployeeStockOptionMember 2024-07-01 2024-09-30 0000109380 us-gaap:EmployeeStockOptionMember 2025-01-01 2025-09-30 0000109380 us-gaap:EmployeeStockOptionMember 2024-01-01 2024-09-30 0000109380 stpr:UT zions:ZionsBankSegmentMember 2025-09-30 0000109380 stpr:ID zions:ZionsBankSegmentMember 2025-09-30 0000109380 stpr:WY zions:ZionsBankSegmentMember 2025-09-30 0000109380 stpr:CA zions:CaliforniaBankAndTrustSegmentMember 2025-09-30 0000109380 stpr:CA zions:FirstBankCoachellaValleyBranchesMember zions:CaliforniaBankAndTrustSegmentMember 2025-09-30 0000109380 stpr:TX zions:AmegyCorporationSegmentMember 2025-09-30 0000109380 stpr:AZ zions:NationalBankOfArizonaSegmentMember 2025-09-30 0000109380 stpr:NV zions:NevadaStateBankSegmentMember 2025-09-30 0000109380 stpr:CO zions:VectraBankColoradoSegmentMember 2025-09-30 0000109380 stpr:NM zions:VectraBankColoradoSegmentMember 2025-09-30 0000109380 stpr:WA zions:CommerceBankOfWashingtonSegmentMember 2025-09-30 0000109380 stpr:OR zions:CommerceBankOfWashingtonSegmentMember 2025-09-30 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 September 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 October 31, 2025: 147,641,034 shares 1 ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES Table of Contents Page PART I. FINANCIAL INFORMATION Item 1. Financial Statements (Unaudited) 44 Consolidated Balance Sheets 44 Consolidated Statements of Income 45 Consolidated Statements of Comprehensive Income (Loss) 46 Consolidated Statements of Changes in Shareholders’ Equity 46 Consolidated Statements of Cash Flows 48 Notes to Consolidated Financial Statements 49 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 GAAP Generally Accepted Accounting Principles AFS Available-for-Sale GCF General Collateral Finance ALLL Allowance for Loan and Lease Losses HECL Home Equity Credit Line Amegy Amegy Bank, a division of Zions Bancorporation, National Association HTM Held-to-Maturity AOCI Accumulated Other Comprehensive Income or Loss IPO Initial Public Offering ASU Accounting Standards Update LTV Loan-to-Value BDC Business Development Company NASDAQ National Association of Securities Dealers Automated Quotations Board Board of Directors NBAZ National Bank of Arizona, a division of Zions Bancorporation, National Association bps Basis Points NDFI Nondepository Financial Institution BTFP Bank Term Funding Program NM Not Meaningful CB&T California Bank & Trust, a division of Zions Bancorporation, National Association NSB Nevada State Bank, a division of Zions Bancorporation, National Association CET1 Common Equity Tier 1 OCC Office of the Comptroller of the Currency CLTV Combined Loan-to-Value Ratio OREO Other Real Estate Owned CODM Chief Operating Decision Maker PAGA Private Attorneys General Act CRE Commercial Real Estate PEI Private Equity Investment CVA Credit Valuation Adjustment PPNR Pre-provision Net Revenue DTA Deferred Tax Asset REIT Real Estate Investment Trust DTL Deferred Tax Liability ROU Right-of-Use EaR Earnings at Risk RULC Reserve for Unfunded Lending Commitments EPS Earnings per Share S&P Standard & Poor's EVE Economic Value of Equity SBA U.S. Small Business Administration FASB Financial Accounting Standards Board SBIC Small Business Investment Company FDIC Federal Deposit Insurance Corporation SEC Securities and Exchange Commission FHLB Federal Home Loan Bank TCBW The Commerce Bank of Washington, a division of Zions Bancorporation, National Association FICO Fair Isaac Corporation U.S. United States FRB Federal Reserve Board Vectra Vectra Bank Colorado, a division of Zions Bancorporation, National Association FTP Funds Transfer Pricing 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 contains “forward-looking statements” as defined under the Private Securities Litigation Reform Act of 1995. These statements reflect management’s current expectations and assumptions regarding future events and outcomes. However, they are inherently subject to known and unknown risks, uncertainties, and other factors that could cause actual results, achievements, industry developments, or regulatory outcomes to differ materially from those expressed or implied. Forward-looking statements may include, among others: • Statements concerning the beliefs, plans, objectives, goals, targets, commitments, designs, guidelines, expectations, anticipations, and future financial condition, operating results, and performance of Zions Bancorporation, National Association, and its subsidiaries (collectively “Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” “us”); and • Statements preceded or followed by, or that include, terminology such as “may,” “might,” “can,” “continue,” “could,” “should,” “would,” “believe,” “anticipate,” “estimate,” “forecasts,” “expect,” “intend,” “target,” “commit,” “design,” “plan,” “projects,” “will,” or similar words and expressions, including their negative forms. Forward-looking statements are not guarantees and should not be relied upon as representing management’s views as of any subsequent date. Actual results and outcomes may differ materially from those presented. Although the following list is not comprehensive, key factors that may cause material differences include: • The quality and composition of our loan and investment securities portfolios and the quality and composition of our deposits; • Changes in general industry, political, and economic conditions, including increases in the national debt, elevated 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 and performance of our assets and liabilities, and the availability and cost of funding and liquidity; • Political developments, including government shutdowns and other significant disruptions and changes in the funding, size, scope, and effectiveness of the government and its agencies and services; • The effects of newly enacted and proposed regulations affecting us and the banking industry, as well as changes and uncertainties in the interpretation, enforcement, and applicability of laws and fiscal, monetary, regulatory, trade, and tax policies; • Actions taken by governments, agencies, central banks, and similar organizations, including those that result in decreases in revenue, increases in regulatory bank fees, insurance assessments, and capital standards; and other regulatory requirements; • Evolving trade policies and disputes, such as proposed and implemented tariffs and resulting market volatility and uncertainty, including the effects on supply chains, expenses, and revenues for both us and our customers; • Judicial, regulatory and administrative inquiries, investigations, examinations or proceedings and the outcomes thereof that create uncertainty for, or are adverse to, us or the banking industry; • Changes in our credit ratings; • 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; • The potential for both positive and disruptive impacts of emerging technologies, including stablecoins and other digital currencies, blockchain, artificial intelligence, quantum computing, and related innovations affecting both us and the banking industry; 4 Table of Contents ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES • Our ability to complete projects and initiatives and execute our strategic plans, manage our risks, control compensation and other expenses, and achieve our business objectives; • Our ability to develop and maintain technology and information security systems, along with effective controls designed to guard against fraud, cybersecurity, and privacy risks and related incidents, particularly given the accelerating pace at which threat actors are developing and deploying increasingly sophisticated and targeted tactics against the financial services industry; • 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 Third 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 41 . Executive Summary Our financial performance in the third quarter of 2025, relative to the prior year period, reflected growth in net earnings applicable to common shareholders, diluted earnings per share (“EPS”), and adjusted pre-provision net revenue (“PPNR”). Diluted EPS increased to $1.48, compared with $1.37 in the third quarter of 2024, as higher net interest income and noninterest income were partially offset by a higher provision for credit losses and increased noninterest expense. During the quarter, we recorded a $60 million provision for credit losses in connection with revolving lines of credit extended to two related commercial borrowers to finance the origination and purchase of commercial and residential mortgages. Of the total exposure, we charged off $50 million of the combined loan balances and established a full reserve for the remaining $10 million. These actions resulted from a review of the borrowers, guarantors, and associated collateral, which identified apparent irregularities and misrepresentations. As a result, legal action has been initiated to pursue recovery of the outstanding amounts owed from the guarantors of the credits. • Net interest income increased $52 million, or 8%, compared with the prior year period, primarily due to lower funding costs and favorable shifts in the composition of average interest-earning assets. As a result, the net interest margin improved to 3.28%, compared with 3.03%. ◦ Average interest-earning assets declined $111 million, primarily attributable to a reduction in average money market investments and average securities. These declines were partially offset by an increase in average loans and leases. ◦ Average interest-bearing liabilities decreased $641 million, or 1%, mainly due to a reduction in average interest-bearing deposits, partially offset by an increase in average borrowed funds. • The provision for credit losses was $49 million, compared with $13 million in the prior year period. The year-over-year increase was due to the previously disclosed credit losses involving two related commercial loans. • Customer-related noninterest income increased $5 million, or 3%, primarily due to higher loan-related fees and income, largely resulting from increased mortgage loan sales activity. This growth was partially offset by an $11 million net credit valuation adjustment (“CVA”) loss, recorded in capital markets fees and income. This loss was primarily driven by an update to our valuation methodology, in addition to changes in other market factors. Excluding the impact of the net CVA loss, customer-related noninterest income increased $13 million, or 8%, benefiting primarily from improved loan syndication activity and higher customer swap fees. 6 Table of Contents ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES • Noncustomer-related noninterest income increased $12 million, or 86%, mainly due to increased dividends and other income, which were primarily attributable to a gain on the sale of a bank-owned property and higher dividends received on Federal Home Loan Bank (“FHLB”) stock. • Noninterest expense increased $25 million, or 5%, primarily due to higher salaries and employee benefits expense, as well as an increase in technology, telecom, and information processing expense. These increases were partially offset by a decline in deposit insurance and regulatory expense. • Total loans and leases increased $1.4 billion, or 2%, primarily driven by growth in the consumer 1-4 family residential mortgage and commercial and industrial loan portfolios. ◦ Net loan and lease charge-offs totaled $56 million, or 0.37% of average loans and leases annualized, compared with $3 million, or 0.02%, in the prior year quarter. The increase in charge-offs was mainly driven by the previously disclosed $50 million loss associated with two related commercial loans. ◦ Nonperforming assets totaled $324 million, or 0.54% of total loans and leases and other real estate owned, compared with $368 million, or 0.62%. The decrease was primarily in the commercial and industrial loan portfolio. Classified loans totaled $2.4 billion, or 4.00% of total loans and leases, compared with $2.1 billion, or 3.55%, in the prior year quarter, and decreased from $2.7 billion, or 4.43%, in the prior quarter. • Total deposits decreased $840 million, or 1%. The reduction in interest-bearing deposits was primarily due to the migration of a consumer interest-bearing product into a new noninterest-bearing offering, along with a decrease in brokered deposits. This decline was partially offset by an increase in noninterest-bearing demand deposits, mainly driven by the aforementioned product migration. Customer deposits, excluding brokered deposits, totaled $71.1 billion, compared with $70.5 billion. • Total borrowed funds increased $1.8 billion, or 51%, compared with the prior year quarter. This growth was driven by higher levels of long-term debt and short-term advances from the FHLB, 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 September 30, Amount change Percent change Nine Months Ended September 30, Amount change Percent change (Dollar amounts in millions) 2025 2024 2025 2024 Interest and fees on loans 1 $ 898 $ 899 $ (1) — % $ 2,623 $ 2,641 $ (18) (1) % Interest on money market investments 41 67 (26) (39) 144 170 (26) (15) Interest on securities 125 138 (13) (9) 376 420 (44) (10) Total interest income 1,064 1,104 (40) (4) 3,143 3,231 (88) (3) Interest on deposits 313 403 (90) (22) 951 1,169 (218) (19) Interest on short- and long-term borrowings 79 81 (2) (2) 248 259 (11) (4) Total interest expense 392 484 (92) (19) 1,199 1,428 (229) (16) Net interest income $ 672 $ 620 $ 52 8 $ 1,944 $ 1,803 $ 141 8 Average interest-earning assets $ 82,783 $ 82,894 $ (111) — % $ 83,116 $ 82,204 $ 912 1 % Average interest-bearing liabilities $ 55,987 $ 56,628 $ (641) (1) $ 56,866 $ 55,854 $ 1,012 2 bps bps Net interest margin 2 3.28% 3.03% 25 3.18% 2.98% 20 1 Includes interest income recoveries of $2 million and $1 million for the three months ended, and $8 million and $5 million for the nine months ended September 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 78% of total net revenue (sum of net interest income plus noninterest income) in both the third quarters of 2025 and 2024. It increased $52 million, or 8%, for the three months ended September 30, 2025, relative to the same prior year period. This increase was primarily due to lower funding costs and a favorable shift in the composition of average interest-earning assets, reflecting growth in higher-yielding loans and a decline in lower-yielding money market investments and securities. As a result, the net interest margin improved to 3.28%, compared with 3.03%. 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 19 basis points (“bps”) in the third quarter of 2025, compared with the prior year period, reflecting a lower interest rate environment. The yield on average money market investments declined 100 bps, while the net yield on average loans decreased 24 bps, and the net yield on average securities declined 13 bps during the third 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 47 bps, and the rate paid on total deposits and interest-bearing liabilities decreased 44 bps during the third 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 30 bps, respectively. Average interest-earning assets decreased $111 million from the prior year quarter, as a decline in average money market investments and average securities was partially offset by an increase in average loans and leases. Average loans and leases increased $2.1 billion, or 4%, to $60.8 billion, primarily due to growth in average consumer and commercial loans. Average securities decreased $1.2 billion, or 6%, to $18.2 billion, largely attributable to principal reductions, net of reinvestments. The paydown of lower-yielding securities continues to improve the overall yield of interest-earning assets and the net interest margin. Average interest-bearing liabilities decreased $641 million, or 1%, from the prior year quarter. This decline was primarily driven by a reduction in average interest-bearing deposits, largely resulting from the migration of a consumer interest-bearing product into a new noninterest-bearing offering, along with a decrease in brokered deposits. The decrease was partially offset by an increase in average borrowed funds, reflecting an increase in long-term debt. 9 Table of Contents ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES Average deposits decreased $726 million, or 1%, to $74.3 billion. Average interest-bearing deposits decreased $925 million, or 2%. Average noninterest-bearing deposits increased $199 million or 1%, and represented 34% of total deposits for the quarter, compared with 33% during the same prior year period. The change in average deposits was mainly due to the same drivers noted above. Average borrowed funds, primarily composed of secured borrowings, increased $284 million, or 4%, to $6.6 billion. This growth was driven by increases in long-term debt, partially offset by the full repayment of borrowings under the FRB BTFP and a decrease in security repurchase agreements. The increase in long-term debt reflects the issuance of $500 million in 4.70% Fixed-to-Floating Senior Notes in August 2025, and $500 million in 6.82% Fixed-to-Floating Subordinated Notes in November 2024. These issuances were partially offset by the redemption of $88 million in 6.95% Fixed-to-Floating Subordinated Notes in December 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 38. 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 35. 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 September 30, 2025 Three Months Ended September 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 $ 1,582 $ 17 4.42 % $ 2,457 $ 34 5.53 % Federal funds sold and securities purchased under agreements to resell 1,940 24 4.87 2,258 33 5.82 Total money market investments 3,522 41 4.67 4,715 67 5.67 Trading securities 83 1 4.63 32 1 4.18 Investment securities: Available-for-sale 9,078 76 3.28 9,442 84 3.53 Held-to-maturity 9,143 50 2.19 9,936 55 2.22 Total investment securities 18,221 126 2.73 19,378 139 2.86 Loans held for sale 171 3 NM 104 2 NM Loans and leases: 2 Commercial 31,558 474 5.97 30,671 473 6.14 Commercial real estate 13,611 227 6.64 13,523 245 7.23 Consumer 15,617 203 5.16 14,471 189 5.18 Total loans and leases 60,786 904 5.91 58,665 907 6.15 Total interest-earning assets 82,783 1,075 5.16 82,894 1,116 5.35 Cash and due from banks 702 703 Allowance for credit losses on loans and debt securities (687) (699) Goodwill and intangibles 1,095 1,054 Other assets 5,262 5,218 Total assets $ 89,155 $ 89,170 LIABILITIES AND SHAREHOLDERS’ EQUITY Interest-bearing deposits: Savings and money market $ 39,252 $ 216 2.18 % $ 39,031 $ 266 2.72 % Time 10,129 97 3.81 11,275 137 4.81 Total interest-bearing deposits 49,381 313 2.51 50,306 403 3.19 Borrowed funds: Federal funds and security repurchase agreements 665 7 4.28 1,072 14 5.33 Other short-term borrowings 4,731 53 4.48 4,704 58 4.89 Long-term debt 1,210 19 6.13 546 9 5.91 Total borrowed funds 6,606 79 4.76 6,322 81 5.06 Total interest-bearing liabilities 55,987 392 2.78 56,628 484 3.40 Noninterest-bearing demand deposits 24,922 24,723 Other liabilities 1,564 1,641 Total liabilities 82,473 82,992 Shareholders’ equity: Preferred equity 66 440 Common equity 6,616 5,738 Total shareholders’ equity 6,682 6,178 Total liabilities and shareholders’ equity $ 89,155 $ 89,170 Spread on average interest-bearing funds 2.38 % 1.95 % Net impact of noninterest-bearing sources of funds 0.90 % 1.08 % Net interest margin $ 683 3.28 % $ 632 3.03 % Memo: total cost of deposits $ 74,303 313 1.67 % $ 75,029 403 2.14 % Memo: total deposits and interest-bearing liabilities $ 80,909 392 1.92 % $ 81,351 484 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 Nine Months Ended September 30, 2025 Nine Months Ended September 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 $ 1,586 $ 53 4.51 % $ 1,940 $ 81 5.59 % Federal funds sold and securities purchased under agreements to resell 2,552 91 4.77 2,037 89 5.86 Total money market investments 4,138 144 4.67 3,977 170 5.72 Trading securities 117 4 4.68 35 1 4.42 Investment securities: Available-for-sale 9,091 223 3.27 9,725 256 3.52 Held-to-maturity 9,348 155 2.22 10,110 169 2.24 Total investment securities 18,439 378 2.74 19,835 425 2.87 Loans held for sale 124 5 NM 68 3 NM Loans and leases: 2 Commercial 31,327 1,383 5.90 30,553 1,383 6.05 Commercial real estate 13,593 673 6.61 13,538 734 7.24 Consumer 15,378 591 5.14 14,198 548 5.15 Total loans and leases 60,298 2,647 5.87 58,289 2,665 6.11 Total interest-earning assets 83,116 3,178 5.11 82,204 3,264 5.30 Cash and due from banks 703 701 Allowance for credit losses on loans and debt securities (691) (693) Goodwill and intangibles 1,082 1,056 Other assets 5,317 5,305 Total assets $ 89,527 $ 88,573 LIABILITIES AND SHAREHOLDERS’ EQUITY Interest-bearing deposits: Savings and money market $ 39,256 $ 637 2.17 % $ 38,471 $ 785 2.73 % Time 10,601 314 3.96 10,601 384 4.83 Total interest-bearing deposits 49,857 951 2.55 49,072 1,169 3.18 Borrowed funds: Federal funds and security repurchase agreements 1,279 41 4.34 1,328 53 5.37 Other short-term borrowings 4,685 157 4.49 4,910 181 4.94 Long-term debt 1,045 50 6.29 544 25 5.96 Total borrowed funds 7,009 248 4.73 6,782 259 5.11 Total interest-bearing liabilities 56,866 1,199 2.82 55,854 1,428 3.41 Noninterest-bearing demand deposits 24,637 25,136 Other liabilities 1,571 1,650 Total liabilities 83,074 82,640 Shareholders’ equity: Preferred equity 66 440 Common equity 6,387 5,493 Total shareholders’ equity 6,453 5,933 Total liabilities and shareholders’ equity $ 89,527 $ 88,573 Spread on average interest-bearing funds 2.29 % 1.89 % Net impact of noninterest-bearing sources of funds 0.89 % 1.09 % Net interest margin $ 1,979 3.18 % $ 1,836 2.98 % Memo: total cost of deposits $ 74,494 951 1.71 % $ 74,208 1,169 2.10 % Memo: total deposits and interest-bearing liabilities $ 81,503 1,199 1.98 % $ 80,990 1,428 2.34 % 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 $725 million at September 30, 2025, compared with $736 million at September 30, 2024. The year-over-year decrease in the ACL primarily reflects lower reserves associated with commercial real estate (“CRE”) portfolio-specific risks, partially offset by more adverse economic scenarios and increased growth in loans and commitments. The ratio of ACL to total loans and leases was 1.20% at September 30, 2025, compared with 1.25% at September 30, 2024. The following schedule illustrates the primary drivers of changes in the ACL compared with the prior year period. 13 Table of Contents ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES 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 in the schedule above 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 $26 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 $60 million decrease in the ACL, largely driven by reduced CRE portfolio-specific risks. This decrease was partially offset by a full reserve of the $10 million remaining balance established in connection with the previously disclosed credit losses involving two related commercial loans. 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 $23 million increase in the ACL, primarily driven by $1.4 billion in period-end loan growth, partially offset by changes in the mix of the loan portfolio. The provision for credit losses, which includes both the provision for loan and lease losses and the provision for unfunded lending commitments, was $49 million in the third quarter of 2025, compared with $13 million in the third quarter of 2024. The year-over-year increase was due to the previously disclosed credit losses involving two related commercial loans. The provision for securities losses was less than $1 million during both the third quarters of 2025 and 2024. 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 22% of total net revenue (sum of net interest income plus noninterest income) in both the third quarters of 2025 and 2024. It increased $17 million, or 10%, for the three months ended September 30, and $43 million, or 8%, for the nine months ended September 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 September 30, Amount change Percent change Nine Months Ended September 30, Amount change Percent change (Dollar amounts in millions) 2025 2024 2025 2024 Commercial account fees $ 47 $ 46 $ 1 2 % $ 138 $ 135 $ 3 2 % Card fees 24 24 — — 71 72 (1) (1) Retail and business banking fees 19 18 1 6 55 50 5 10 Loan-related fees and income 20 17 3 18 56 50 6 12 Capital markets fees and income 1 24 25 (1) (4) 79 70 9 13 Wealth management fees 14 14 — — 43 44 (1) (2) Other customer-related fees 15 14 1 7 43 42 1 2 Customer-related noninterest income 163 158 5 3 485 463 22 5 Dividends and other income 15 5 10 NM 34 33 1 3 Securities gains (losses), net 11 9 2 22 31 11 20 NM Noncustomer-related noninterest income 26 14 12 86 65 44 21 48 Total noninterest income $ 189 $ 172 $ 17 10 $ 550 $ 507 $ 43 8 Adjusted customer-related noninterest income 2 $ 174 $ 161 $ 13 8 % $ 496 $ 466 $ 30 6 % 1 Effective the first quarter of 2025, capital markets fees and income included the net CVA, which was previously disclosed under noncustomer-related noninterest income as fair value and nonhedge derivative income. For the three and nine months ended September 30, 2025, the net CVA was a loss of $11 million. This loss was primarily driven by an update to our valuation methodology, in addition to changes in other market factors. For the three and nine months ended September 30, 2024, the net CVA was a loss of $3 million. 2 Net of CVA. For information on non-GAAP financial measures, see page 41. Customer-related Noninterest Income Customer-related noninterest income increased $5 million, or 3%, compared with the prior year period. This growth was primarily driven by a $3 million increase in loan-related fees and income, largely resulting from increased mortgage loan sales activity. Excluding the impact of the net CVA loss, capital markets fees and income increased $7 million, or 25%, from the prior year period, benefiting from increased loan syndication activity and higher customer swap fee revenue. For the nine months ended September 30, 2025, customer-related noninterest income increased $22 million, or 5%, relative to the same prior year period. Excluding the net CVA loss, capital markets fees and income increased $17 million , or 23%, primarily due to higher swap fees, investment banking advisory fees, and loan syndication fees. Loan-related fees and income increased $6 million, reflecting the same drivers noted above. Retail and business banking fees increased $5 million, mainly due to higher overdraft and deposit service fees. Commercial account fees increased $3 million, largely as a result of higher account analysis fees. 15 Table of Contents ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES