Zions director granted deferred stock units

Huang Claire A reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

Huang Claire A reported acquisition or exercise transactions in this Form 4 filing.

Zions Bancorporation director Claire A. Huang reported a compensation-related award of deferred stock units. She received 439.401 "Deferred Comp" phantom stock units linked to Zions common stock at a reference price of $69.19 per unit. These phantom stock units are settled in cash upon the earlier of death or retirement, rather than in actual shares. Following this award, her reported deferred compensation balance tied to common stock increased to 35,394.393 units. This filing reflects a grant or award, not an open-market purchase or sale of Zions stock.

Insider Trade Summary

Grant/Award: 439.401 shares

Grant/Award 1 txn

Insider Huang Claire A

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Deferred Comp	439.401	$69.19	$30K

Holdings After Transaction: Deferred Comp — 35,394.393 contracts (Direct)

Footnotes (1)

1. F1. The phantom stock units are settled in cash upon the earlier of death or retirement

Key Figures

Deferred units granted: 439.401 units Reference price per unit: $69.19 per share Deferred units after award: 35,394.393 units +1 more

4 metrics

Deferred units granted 439.401 units Deferred Comp phantom stock award on 2026-06-30

Reference price per unit $69.19 per share Price used for Deferred Comp phantom units

Deferred units after award 35,394.393 units Total Deferred Comp units following transaction

Settlement terms Cash settlement Phantom stock units settled in cash at death or retirement

Key Terms

Deferred Comp, phantom stock units, Form 4, derivative security

4 terms

Deferred Comp financial

"security_title: "Deferred Comp" reported as a derivative security"

phantom stock units financial

"The phantom stock units are settled in cash upon the earlier of death or retirement"

Phantom stock units are company promises that pay a cash or stock-equivalent award tied to the firm’s share price or value growth, but they do not issue actual shares. Think of them as a bonus check that moves with the stock like a mirror rather than handing over an ownership slice. Investors care because these awards can affect a company’s future cash obligations, executive incentives and reported expenses without causing share dilution.

Form 4 regulatory

"INSIDER FILING DATA (Form 4)"

Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.

derivative security financial

"transaction_type: "derivative" for the Deferred Comp award"

A derivative security is a financial contract whose value comes from the price or performance of something else, such as a stock, bond, commodity, or market index. For investors it acts like an insurance policy or a wager: it can be used to protect against losses, lock in prices, or amplify gains and losses, so it can change a portfolio’s risk and potential return without owning the underlying asset directly.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did Claire A. Huang report in her latest ZION Form 4 filing?

Claire A. Huang reported receiving 439.401 deferred compensation phantom stock units tied to Zions common stock. The award is classified as a grant or other acquisition, reflecting compensation rather than an open-market stock transaction or sale of existing shares.

How many deferred compensation units were granted to the ZION director?

The director received 439.401 deferred compensation phantom stock units. These units track the value of Zions Bancorporation common stock and are part of a deferred compensation arrangement reported as a derivative security in the Form 4 insider trading disclosure.

At what reference price were the ZION deferred units granted to Claire Huang?

The deferred compensation phantom stock units were granted using a reference price of $69.19 per underlying share. This price helps determine the value of the phantom stock units, which are linked economically to Zions Bancorporation common stock for compensation purposes.

How many deferred compensation units does Claire Huang hold after this ZION transaction?

After the reported award, Claire Huang’s total reported balance of deferred compensation phantom stock units increased to 35,394.393 units. This figure reflects her cumulative position in the deferred compensation plan as shown in the Form 4 following the latest grant.

Are the ZION deferred compensation phantom stock units settled in cash or shares?

The phantom stock units are settled in cash, not actual Zions shares. According to the footnote, they are paid out in cash upon the earlier of death or retirement, so they represent a cash-settled, stock-linked compensation arrangement rather than direct equity ownership.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 07/01/2026 - 04:31 PM EDT Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Huang Claire A

(Last) (First) (Middle)

ONE SOUTH MAIN STREET, 11TH FLOOR

(Street)

SALT LAKE CITY UTAH 84133-1109

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ [ ZION ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
06/30/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Deferred Comp	$0	06/30/2026		A		439.401		(1)	(1)	Common Stock	439.401	$69.19	35,394.393	D

Explanation of Responses:

1. The phantom stock units are settled in cash upon the earlier of death or retirement

Remarks:

	By Rena Miller as attorney in fact	07/01/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)