[Form 4] ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ Insider Trading Activity

Zions Bancorporation (ZION) reported an insider transaction on a Form 4 for a director.

Rhea-AI Filing Summary

Zions Bancorporation (ZION) reported an insider transaction on a Form 4 for a director. On 10/03/2025, the reporting person acquired 523.549 derivative securities labeled as deferred compensation/phantom stock units at a stated price of $0.

Following this transaction, the director’s derivative holdings totaled 35,763.941 units, shown as directly owned. The filing notes these phantom stock units are settled in cash upon the earlier of death or retirement, indicating they are cash-settled awards tied to the value of common stock rather than shares issued.

Insider Trade Summary

Grant/Award: 523.549 shares

Grant/Award 1 txn

Insider Skonnard Aaron

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Deferred Comp	523.549	$0.00	$0.00

Holdings After Transaction: Deferred Comp — 35,763.941 contracts (Direct)

Footnotes (1)

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

FAQ

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What did ZION’s Form 4 report?

A director acquired 523.549 deferred compensation/phantom stock units on 10/03/2025 at a stated price of $0.

How many derivative units does the ZION director hold after the transaction?

The director beneficially owns 35,763.941 derivative units directly after the reported transaction.

What are the settlement terms of the phantom stock units at ZION?

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

Does the Form 4 indicate common stock was bought or sold?

The reported activity was in derivative phantom stock units; Table I (non-derivative) shows no transactions.

What is the ownership form of the reported ZION holdings?

The derivative securities are listed as Direct (D) ownership.

What is the issuer and ticker in this Form 4?

The issuer is Zions Bancorporation, National Association with ticker ZION.

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

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Accepted by SEC EDGAR 10/21/2025 - 04:31 PM 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^*

Skonnard Aaron

(Last) (First) (Middle)

ONE SOUTH MAIN STREET, 11TH FLOOR

(Street)

SALT LAKE CITY UT 84133-1109

(City) (State) (Zip)

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)

3. Date of Earliest Transaction (Month/Day/Year)
10/03/2025

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

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

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

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	10/03/2025		A		523.549		(1)	(1)	Common Stock	523.549	$0	35,763.941	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	10/21/2025
	** 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.