Every 10-Q that Zions Bancorporation, N.A. (ZIONP) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow ZIONP and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full ZIONP filings page.
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.
Zions Bancorporation, N.A. delivered stronger first-quarter 2026 results, with diluted EPS rising to $1.56 from $1.13 a year earlier. Net interest income increased 6% to $662 million and net interest margin improved to 3.27%, helped by lower deposit and borrowing costs and a better asset mix.
Credit quality remained solid: the allowance for credit losses was $713 million, or 1.16% of total loans and leases, while nonperforming assets fell to $292 million, or 0.48%. Classified loans declined slightly to $2.3 billion, reflecting lower commercial real estate risk.
Total loans and leases grew to $61.3 billion and deposits to $76.9 billion, keeping the loan-to-deposit ratio at 80%. Available liquidity reached $46.9 billion, exceeding estimated uninsured deposits by a wide margin. The efficiency ratio improved to 65.0% as revenue growth outpaced expense increases.