10-Q – 2025-11-06 – zions-20250930.htm

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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended 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

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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

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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

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PART I.    FINANCIAL INFORMATION

ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

FORWARD-LOOKING INFORMATION
This quarterly report 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;

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• Our ability to complete projects and initiatives and execute our strategic plans, manage our risks, control compensation and other expenses, and achieve our business objectives;
• Our ability to develop and maintain technology and information security systems, along with effective controls designed to guard against fraud, cybersecurity, and privacy risks and related incidents, particularly given the accelerating pace at which threat actors are developing and deploying increasingly sophisticated and targeted tactics against the financial services industry;
• Our ability to provide adequate oversight of our suppliers to help us prevent or mitigate effects upon us and our customers of inadequate performance, systems failures, or cyber and other incidents by, or affecting, third parties upon whom we rely for the delivery of various products and services;
• The effects of wars, geopolitical conflicts, and other local, national, or international disasters, crises, or conflicts that may occur in the future;
• Natural disasters, pandemics, wildfires, catastrophic events, and other emergencies and incidents, and their impact on our and our customers’ operations, business, and communities, including the increasing difficulty in, and the expense of, obtaining property, auto, business, and other insurance products;
• Governmental and social responses to environmental, social, and governance issues, including those with respect to climate change and diversity;
• Securities and capital markets behavior, including volatility and changes in market liquidity and our ability to raise capital;
• The possibility that our recorded goodwill could become impaired, which may have an adverse impact on our earnings and shareholders’ equity;
• The impact of bank closures or adverse developments at other banks on general investor sentiment regarding the stability and liquidity of banks; and
• Adverse news and other expressions of negative public opinion whether directed at us, other banks, the banking industry, or otherwise that may adversely affect our reputation and that of the banking industry generally.
Factors that could cause our actual results, performance, achievements, industry trends, or regulatory outcomes to differ materially from those expressed or implied in the forward-looking statements are discussed in our 2024 Form 10-K and subsequent filings with the Securities and Exchange Commission (“SEC”). These documents are available on our website (www.zionsbancorporation.com) and from the SEC (www.sec.gov).
We caution against placing undue reliance on forward-looking statements, as they reflect our views only as of the date they are issued. Except as required by law, we specifically disclaim any obligation to update any factors or publicly announce revisions to forward-looking statements to reflect future events or developments.

RESULTS OF OPERATIONS
Comparisons noted below are calculated for the current quarter versus the same prior year period, unless otherwise specified. Reasons for changes in the current year-to-date period compared with the same prior year period are generally consistent with the quarter-to-date comparisons unless otherwise specified. Growth rates of 100% or more are considered not meaningful (“NM”) as they typically reflect a low starting point.

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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.

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• 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.

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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:

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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.

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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:

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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.

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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.

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The Allowance and Provision for Credit Losses
The allowance for credit losses (“ACL”) comprises both the allowance for loan and lease losses (“ALLL”) and the reserve for unfunded lending commitments (“RULC”). The ALLL represents the estimated current expected credit losses related to the loan and lease portfolio as of the balance sheet date. The RULC represents the estimated reserve for current expected credit losses associated with off-balance sheet commitments. Changes in the ALLL and RULC, net of charge-offs and recoveries, are recorded as the provision for loan and lease losses and the provision for unfunded lending commitments, respectively, on the consolidated statement of income. The ACL for debt securities is estimated separately from loans and is included in “Investment securities” on the consolidated balance sheet.

The ACL was $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.

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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.

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Noninterest Income
Noninterest income is comprised of revenue generated from products and services that typically do not bear an associated interest rate or yield. It is categorized as either customer-related or noncustomer-related. Customer-related noninterest income excludes items such as securities gains and losses, dividends, and insurance-related income.
Noninterest income accounted for 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.

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