Every material Form 8-K Zions Bancorporation has filed with the SEC since March 26, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Zions Bancorporation reported third-quarter 2026 net earnings of $262 million, or $1.78 per diluted share, up from $221 million and $1.48 a year earlier. The increase was driven mainly by a lower provision for credit losses, which was an $8 million benefit versus a $49 million expense last year, and net loan charge-offs fell to $3 million from $56 million.
Net earnings $262 million and diluted EPS $1.78, versus $221 million and $1.48 in third quarter 2025
Net interest income $684 million, up 2%; net interest margin 3.23%, down from 3.28%
Pre-provision net revenue $340 million, down 1%; net charge-offs $3 million versus $56 million
Compared with second quarter 2026 net earnings of $452 million and EPS of $3.05, which included gains tied to Visa Class B-1 share sales
Zions Bancorporation announced that Brian Stringham, a 2003 hire and its current Assistant Corporate Controller, will succeed Jason Arbuckle as Senior Vice President and Corporate Controller, effective September 7, 2026. Stringham becomes the bank's principal accounting officer, and Arbuckle moves to Senior Director of Corporate Finance and Transformation. The change concerns the bank's top accounting role but the filing reports no financial results or compensation changes.
Brian Stringham, 51, succeeds Jason Arbuckle as Senior Vice President and Corporate Controller, effective September 7, 2026
Stringham will serve as the Bank's principal accounting officer
Arbuckle will become Senior Director of Corporate Finance and Transformation
Stringham has overseen SEC and regulatory reporting as Director of External Financial Reporting since 2020
Zions Bancorporation reported second-quarter 2026 net earnings of $452 million, or $3.05 per diluted share, up from $243 million, or $1.63, a year earlier. The result includes a $215 million gain on the sale of Visa Class B-1 shares; excluding notable items, diluted EPS rose 10% to $1.74. The filing does not include forward guidance.
Net earnings $452 million and diluted EPS $3.05, versus $243 million and $1.63 in 2Q25
Visa Class B-1 share sale gain of $215 million, or $1.12 per share; EPS excluding notable items was $1.74, up from $1.58
Net interest margin 3.27%, up from 3.17%; estimated CET1 ratio 11.8%, up from 11.0%
Classified loans fell to $2.3 billion (3.72% of loans) from $2.7 billion (4.43%) a year earlier
Zions Bancorporation increased its board from 11 to 12 directors on June 2, 2026, and elected Daniel J. Ryan to fill the new seat, effective immediately. Ryan will also join the Audit and Risk Oversight Committees effective July 1, 2026, which adds director expertise in financial reporting and risk oversight.
Daniel J. Ryan elected to the board on June 2, 2026; board expanded from 11 to 12 directors
Ryan appointed to the Audit and Risk Oversight Committees effective July 1, 2026
Ryan is a retired PwC partner who served at the firm from 1985, with more than 40 years of experience with U.S. public banks
Ryan will receive cash compensation and participate in the Bank's omnibus stock incentive plan as a nonemployee director
Zions Bancorporation reported first-quarter 2026 net earnings of $232 million, or $1.56 per diluted share, up from $169 million and $1.13 a year earlier but down from $262 million and $1.76 in the fourth quarter of 2025. The company also said it agreed to acquire the agency lending business of Basis Multifamily Finance I, LLC, subject to required approvals.
Net earnings were $232 million and diluted EPS was $1.56, compared with $169 million and $1.13 in Q1 2025, and $262 million and $1.76 in Q4 2025.
Net interest income rose 6% to $662 million, and net interest margin was 3.27%, compared with 3.10% a year earlier.
Customer-related noninterest income rose 9% to $172 million, while noninterest expense rose 4% to $562 million.
Estimated CET1 capital ratio was 11.5%, compared with 10.8%, and tangible book value per common share was $41.75, up 19%.
Zions Bancorporation reported fourth quarter 2025 net earnings of $262 million, or $1.76 per diluted share, up from $200 million, or $1.34, a year earlier. Net interest income rose 9% to $683 million, and full-year 2025 net earnings reached $895 million, or $6.01 per diluted share, compared with $4.95 in 2024. Results include a $15 million charitable contribution, and management is hosting a conference call at 5:30 p.m. Eastern Time on January 20, 2026.
Q4 2025 net earnings were $262 million, or $1.76 per diluted share, compared with $200 million, or $1.34, in Q4 2024 and $221 million, or $1.48, in Q3 2025.
Net interest margin was 3.31%, compared with 3.05% a year earlier; net interest income was $683 million, up 9%.
Noninterest expense was $546 million, up 7%, including a $15 million charitable contribution to the Zions Bancorporation Foundation.
Full-year 2025 net earnings were $895 million, or $6.01 per diluted share, versus $737 million, or $4.95, in 2024.
Zions Bancorporation said Paul Burdiss will retire as president and CEO of its Zions Bank division effective December 31, 2025, and that Nate Callister, currently executive vice president and executive director of commercial banking at Zions Bank, will succeed him. Burdiss has agreed to a consulting arrangement for 2026, and the filing reports no financial results, so the change affects division leadership rather than reported performance.
Paul Burdiss retires as Zions Bank president and CEO effective December 31, 2025; he joined the company in 2015 as executive vice president and chief financial officer.
Nate Callister, currently executive vice president and executive director of commercial banking at Zions Bank, will succeed Burdiss.
Under a Retirement and Consulting Agreement effective December 20, 2025, Burdiss will provide advisory services during 2026 and receive four quarterly payments of $337,582.50 each.
The agreement includes non-compete and non-solicit provisions during the consulting period and up to 12 months of company-paid COBRA premiums.
Zions Bancorporation reported third-quarter 2025 net earnings of $221 million, or $1.48 per diluted share, up from $204 million, or $1.37, a year earlier but down from $243 million, or $1.63, in the second quarter. Results also reflected a $50 million charge-off and a $10 million reserve tied to loans to two related companies where the bank detected apparent irregularities, and the bank has started legal action to recover the amounts owed.
Net interest income rose 8% to $672 million, and net interest margin was 3.28% versus 3.03% a year earlier.
Provision for credit losses was $49 million versus $13 million a year earlier, primarily due to two large related C&I loans.
Estimated CET1 capital ratio was 11.3%, compared with 10.7% a year earlier.
Tangible book value per common share rose 17% to $38.64.
Zions Bancorporation reported second-quarter 2025 net earnings of $243 million, or $1.63 per diluted share, up from $190 million and $1.28 a year earlier. Net interest income rose 9% to $648 million and the net interest margin widened to 3.17%, while classified loans were $2.7 billion, up from $1.3 billion a year earlier but down from $2.9 billion in the first quarter.
Net earnings $243 million and diluted EPS $1.63, compared with $190 million and $1.28 in 2Q24
Net interest margin 3.17%, compared with 2.98%; net interest income $648 million, up 9%
Classified loans $2.7 billion, or 4.43% of loans and leases, compared with $1.3 billion, or 2.16%, in 2Q24
Common dividend $0.43 per share; estimated CET1 capital ratio 11.0%, compared with 10.6%
Zions Bancorporation reported first-quarter 2025 net earnings of $169 million, or $1.13 per diluted share, up from $143 million and $0.96 a year earlier but down from $200 million and $1.34 in the fourth quarter of 2024. Results include a $16 million, or $0.11 per share, income tax charge from revaluing deferred tax assets after new state tax legislation, and the company said the tax law change will reduce taxes on securities income in future periods.
Net earnings $169 million and diluted EPS $1.13, versus $143 million and $0.96 in Q1 2024 and $200 million and $1.34 in Q4 2024
Net interest margin 3.10%, compared with 2.94% a year earlier
Additional income tax expense of $16 million, or $0.11 per share, from revaluation of deferred tax assets
Estimated CET1 capital ratio 10.8%, compared with 10.4%; four California branches acquired from FirstBank added about $630 million in deposits and $420 million in loans
Zions Bancorporation reported fourth-quarter 2024 net earnings of $200 million, or $1.34 per diluted share, up from $116 million and $0.78 a year earlier but down slightly from $204 million and $1.37 in the third quarter. Net interest income rose 8% to $627 million, and the net interest margin widened to 3.05% from 2.91%, while the provision for credit losses increased to $41 million from less than $1 million.
Net earnings applicable to common shareholders were $200 million, versus $116 million in 4Q23 and $204 million in 3Q24.
Diluted EPS was $1.34, compared with $0.78 in 4Q23 and $1.37 in 3Q24.
Net interest income was $627 million, up 8%, and net interest margin was 3.05% versus 2.91%.
Provision for credit losses was $41 million versus less than $1 million; annualized net charge-offs were 0.24% versus 0.06%.
Zions Bancorporation reported third-quarter 2024 net earnings of $204 million, or $1.37 per diluted share, up from $168 million and $1.13 a year earlier. Net interest margin widened to 3.03% from 2.93%, but classified loans rose sharply to $2.1 billion from $769 million, a level shareholders may watch closely. The filing contains no revised full-year guidance.
Net earnings of $204 million and diluted EPS of $1.37, versus $168 million and $1.13 in 3Q23 and $190 million and $1.28 in 2Q24
Net interest margin of 3.03% versus 2.93% a year earlier; net interest income of $620 million, up 6%
Classified loans of $2.1 billion, or 3.55% of loans, versus $769 million, or 1.35%; provision for credit losses of $13 million versus $41 million
Agreement to buy four FirstBank branches in California's Coachella Valley with about $730 million in deposits and $420 million in loans, pending regulatory approval
Zions Bancorporation reported second-quarter 2024 net earnings of $190 million, or $1.28 per diluted share, up from $166 million, or $1.11, a year earlier. Net interest income rose 1% to $597 million and net interest margin widened to 2.98%, while customer-related noninterest income fell 5% to $154 million. Tangible book value per common share rose to $30.67 from $25.52, and the common dividend was unchanged at $0.41 per share.
Net earnings of $190 million, up from $166 million in 2Q23; diluted EPS of $1.28 vs. $1.11
Net interest margin was 2.98%, compared with 2.92% a year earlier
Customer-related noninterest income fell 5% to $154 million; pre-provision net revenue was $278 million, down 2%
Estimated CET1 capital ratio was 10.6%, compared with 10.0%; nonperforming assets rose to $265 million
At its April 26, 2024 annual meeting, Zions Bancorporation shareholders re-elected 11 directors to one-year terms, ratified Ernst & Young LLP as auditor for 2024, and approved a 2,800,000-share increase to the 2022 Omnibus Incentive Plan. Shareholders also backed 2023 executive pay on an advisory basis and rejected a proposal for a report on politicized de-banking risks.
Shareholders approved adding 2,800,000 authorized shares to the 2022 Omnibus Incentive Plan; other plan terms are substantially unchanged.
Ernst & Young LLP ratified as independent auditor for fiscal 2024: 123,233,347 for, 1,965,294 against.
Advisory say-on-pay approved with 99,653,811 votes for and 4,344,541 against.
Proposal for a report on politicized de-banking risks rejected: 1,322,381 for, 101,929,606 against.
Zions Bancorporation reported first-quarter 2024 net earnings of $143 million, or $0.96 per diluted share, down from $198 million and $1.33 a year earlier, though up from $116 million and $0.78 in the fourth quarter of 2023. Net interest income fell 14% to $586 million as higher funding costs offset higher asset yields, which weighed on the year-over-year earnings decline shareholders will focus on.
Net earnings were $143 million, or $0.96 per diluted share, versus $198 million and $1.33 in 1Q23 and $116 million and $0.78 in 4Q23.
Net interest income was $586 million, down 14% from the prior year; net interest margin was 2.94%, compared with 3.33%, and up from 2.91% in 4Q23.
The provision for credit losses was $13 million, compared with $45 million a year earlier, and included a $13 million FDIC special assessment accrual in noninterest expense.
Common dividend was $0.41 per share, unchanged from a year earlier; the company repurchased $35 million of common stock in the quarter.
Zions Bancorporation announced that Jason Arbuckle, who joined the bank in 2014, will succeed R. Ryan Richards as Senior Vice President and Corporate Controller effective April 1, 2024. The change follows Richards' previously announced move to Executive Vice President and Chief Financial Officer, so it is part of a related internal succession.
Jason Arbuckle, 46, will become Senior Vice President and Corporate Controller effective April 1, 2024.
Arbuckle most recently served as Assistant Corporate Controller over Credit and Capital Markets and was previously responsible for SEC reporting and accounting policy from 2021.
R. Ryan Richards is assuming the role of Executive Vice President and Chief Financial Officer, as previously announced on February 23, 2024.
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