Zions Bancorporation (NASDAQ: ZION) shares Q4 2025 earnings details

(Moderate)

(Neutral)

Form Type

8-K

Rhea-AI Filing Summary

Zions Bancorporation, National Association reported its financial results for the quarter ended December 31, 2025 and disclosed this in a current report. The bank also plans to host a conference call to discuss its fourth quarter results at 5:30 p.m. Eastern Time on January 20, 2026.

The associated press release is provided as Exhibit 99.1 and an earnings presentation as Exhibit 99.2, giving more detail on the quarter’s performance. These materials are furnished, not filed, meaning they are not incorporated by reference into the bank’s securities registration statements.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

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Accepted by SEC EDGAR 01/20/2026 - 04:09 PM

FAQ

What did Zions Bancorporation (ZION) disclose in this 8-K filing?

Zions Bancorporation, National Association disclosed that it has reported financial results for the quarter ended December 31, 2025 and made available related earnings materials.

Which period do the reported ZION results cover?

The reported results cover Zions Bancorporation, National Association’s financial performance for the quarter ended December 31, 2025.

Is there an earnings call associated with these ZION results?

Yes. The bank intends to host a conference call to discuss its fourth quarter 2025 financial results at 5:30 p.m. Eastern Time on January 20, 2026.

Where can investors find the detailed ZION Q4 2025 earnings information?

Detailed information is in the press release furnished as Exhibit 99.1 and the earnings presentation furnished as Exhibit 99.2 to the report.

Are the Zions Bancorporation earnings materials considered filed with the SEC?

No. The press release and presentation are furnished under Item 2.02 and are expressly stated as not being deemed filed or incorporated by reference into Securities Act filings.

What exhibits are included with this ZION 8-K?

The report furnishes Exhibit 99.1 (press release), Exhibit 99.2 (earnings presentation), Exhibit 101 (cover page interactive data file), and Exhibit 104 (Inline XBRL cover page).

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

Date of Report (date of earliest event reported) January 20, 2026

ZIONS BANCORPORATION, NATIONAL ASSOCIATION

(Exact name of registrant as specified in its charter)

United States of America

001-12307

87-0189025

(State or other jurisdiction of incorporation or organization)

(Commission File Number)

(IRS 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



Former name or former address, if changed since last report

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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 is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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. ☐

Item 2.02 Results of Operations and Financial Condition.

On January 20, 2026, Zions Bancorporation, National Association (“the Bank”) announced its financial results for the quarter ended December 31, 2025 and its intent to host a conference call to discuss such results at 5:30 p.m. Eastern Time on January 20, 2026. The press release announcing the financial results for the quarter ended December 31, 2025 is furnished as Exhibit 99.1 and incorporated herein by reference. A presentation to be used in conjunction with the conference call regarding the Bank’s fourth quarter financial results is furnished as Exhibit 99.2 and incorporated herein by reference.

The information in this Current Report on Form 8-K, including the exhibits, is furnished pursuant to Item 2.02 and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities under that Section. Furthermore, the information in this Current Report on Form 8-K, including the exhibits, shall not be deemed to be incorporated by reference into the filings of the Bank under the Securities Act of 1933, as amended.

Item 9.01 Financial Statements and Exhibits.

Exhibits.

The following exhibits are furnished as part of this Current Report on Form 8-K:


Exhibit Number			Description
99.1			Press Release dated January 20, 2026 (furnished herewith).
99.2			Earnings Release Presentation dated January 20, 2026 (furnished herewith).
101			Cover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document.
104			The cover page from this Current Report on form 8-K, formatted as Inline XBRL.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


	ZIONS BANCORPORATION, NATIONAL ASSOCIATION

	By:	/s/ R. Ryan Richards
		Name: R. Ryan Richards
		Title: Executive Vice President and Chief Financial Officer
Date: January 20, 2026

Source: View Original Filing on SEC EDGAR