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Zions Bancorporation, N.A. reported stronger second-quarter 2026 results, with diluted EPS of $3.05 versus $1.63 a year earlier. The increase was driven by $252 million of pre-tax net gains, including a $215 million sale of Visa Class B-1 shares and $37 million of SBIC investment gains, plus higher net interest income.
Net interest income rose 4% to $677 million as net interest margin improved to 3.27% from 3.17%, helped by growth in higher-yielding loans, runoff of lower-yielding securities, and lower funding costs. Customer-related noninterest income grew 11% to $182 million, while total noninterest income reached $460 million. Noninterest expense increased 5% to $551 million, keeping the efficiency ratio at 62.2%.
Credit metrics remained stable. The allowance for credit losses was $707 million, equal to 1.13% of total loans and leases, and nonperforming assets were $298 million, or 0.48% of loans and leases and other real estate owned. Loans and leases totaled $62,481 million and deposits $76,608 million at June 30, 2026. After quarter-end, Zions completed the acquisition of Basis Multifamily Finance I, LLC, adding an agency multifamily lending platform and related mortgage servicing rights.
President and COO Scott J. McLean of Zions Bancorporation exercised employee stock options for 37,231 shares of common stock on August 4, 2026, at exercise prices of $48.6500 and $52.9000 per share, and acquired the same number of common shares.
He reported sales totaling 83,285 common shares on August 3–4, 2026 at prices around $70.56–$70.84 per share. One August 3 sale of 18,000 shares used a weighted average price of $70.5562 across trades between $70.31 and $70.92. An indirect sale of 32,000 shares by a 401(k) Plan left 22,490.923 shares held in that plan afterward.
Zions Bancorporation Executive Vice President Scott A. Law reported option-related trades on August 4, 2026. He exercised stock options to acquire 4,608 shares of common stock at $45.65 per share, then sold 4,608 shares in two trades at $72.44 and $72.355 per share. The options were from a grant with a graded vesting schedule.
Zions Bancorporation chairman and CEO Harris H. Simmons reported bona fide gift transfers of Common Stock. On 2026-08-03 and 2026-07-31, paired entries move 172,391 and 141,720 shares, respectively, from his direct holdings to indirect ownership "By Spouse" at a reported price of $0.00 per share. These are non-market gift transactions, not open-market purchases or sales.
Zions Bancorporation shareholder plans to sell common stock through a broker. The notice lists 18,000 shares of common stock to be sold through Fidelity Brokerage Services LLC on NASDAQ, with an indicated aggregate market value of $1,270,012.42.
The filing also details earlier restricted stock vesting awards received as compensation from the issuer between February 2023 and February 2024, with multiple small vesting events ranging from 1,743 to 2,796 shares on specific dates.
Zions Bancorporation, National Association filed a Form 13F as an institutional investment manager, reporting its equity holdings. The report is a 13F Holdings Report, meaning all reportable holdings for this manager are included. The filing lists 1,636 individual positions with an aggregate reported value of $1,670,570,868, rounded to the nearest dollar. No other managers are included in this report.
MCLEAN SCOTT J reported reported sale transactions in this Form 4 filing.
Zions Bancorporation President & COO Scott J. McLean reported a bona fide gift of 6,650 shares of Common Stock on 2026-07-28. The gift was recorded at a per-share price of $0.00 and left him holding 88,988 shares directly. The filing indicates the transaction was not effected under a Rule 10b5-1 trading plan.
Zions Bancorporation Executive Vice President Derek Steward reported an option exercise and same-day share sale. On 2026-07-28 he exercised 894 stock options for Common Stock at $45.65 per share, fully exhausting that option grant, then sold 894 Common shares at $69.65 per share. The option, which had a graded vesting schedule, was originally set to expire on 2027-02-09.