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Zions Bancorporation, N.A. reported stronger first quarter 2026 results, with net earnings of $232 million and diluted EPS of $1.56, up from $169 million and $1.13 a year earlier. Net interest income rose to $662 million and the net interest margin improved year over year to 3.27%, helped by lower funding costs and a better mix of loans and securities.
Adjusted pre-provision net revenue increased 13% versus the prior year to $301 million, while adjusted customer-related noninterest income grew 10% to $174 million. Credit quality remained strong, with annualized net loan and lease charge-offs at just 0.03% of average loans and nonperforming assets at 0.48% of loans and leases and other real estate owned. Total deposits were $76.9 billion and loans and leases were $61.3 billion, both up 2% year over year.
Capital levels stayed robust, with an estimated common equity tier 1 ratio of 11.5% and tangible book value per common share up 19% to $41.75. The company highlighted broad-based fee income growth, improving asset quality metrics, and continued strengthening of its funding profile, including lower brokered deposits and short-term borrowings.
Zions Bancorporation controller Robert Ryan Richards reported a routine tax-related share disposition. On the transaction date, 315 shares of Common Stock were delivered at $58.26 per share to cover exercise price or tax liabilities, classified as a tax-withholding disposition rather than an open-market sale. Following this event, he directly held 34,895 shares of the company’s stock.
Zions Bancorporation Executive VP & General Counsel Rena A. Miller reported a small tax-withholding disposition of 155 shares of Common Stock at $58.26 per share. After this non-market transaction related to tax obligations, she directly holds 13,325 shares.
Lee Vivian S reported acquisition or exercise transactions in this Form 4 filing.
Zions Bancorporation director Vivian S. Lee reported an award of cash-settled deferred compensation units linked to common stock. On the reported date, Lee received 517.616 deferred compensation units at a reference value of $55.54 per unit, tied to Zions common stock performance.
Following this grant, Lee holds a total of 27,074.716 deferred compensation units. According to the disclosure, these phantom stock units are settled in cash upon the earlier of death or retirement, meaning they do not represent current share ownership or voting rights but a cash obligation based on future share value.
Huang Claire A reported acquisition or exercise transactions in this Form 4 filing.
Zions Bancorporation director Claire A. Huang received a grant of deferred compensation units. She was awarded 549.123 phantom stock units referenced to Zions common stock at $55.54 per unit, increasing her deferred comp balance to 32,647.432 units. These phantom stock units are settled in cash upon the earlier of death or retirement.
Zions Bancorporation director Aaron Skonnard received a grant of deferred compensation on phantom stock units tied to the company’s common stock. The award covers 540.121 units, each with a reference value of $55.54, and is classified as a grant or award acquisition.
Following this transaction, Skonnard holds a total of 37,394.911 deferred compensation units. According to the terms, these phantom stock units are settled in cash based on the value of Zions’ common stock and are payable upon the earlier of the director’s death or retirement.
Zions Bancorporation director Stephen D. Quinn received a new deferred compensation award tied to company stock. On the reported date, he acquired 873.196 units of Deferred Comp, each linked to one share of common stock at a reference value of $55.54 per unit.
These are phantom stock units that are settled in cash, not actual shares, and will be paid upon the earlier of his death or retirement. Following this grant, Quinn’s total Deferred Comp balance tied to common stock increased to 126,173.796 units, reflecting a routine, compensation-related award rather than an open-market stock purchase or sale.
Zions Bancorporation, N.A. has issued its 2026 proxy statement and called the Annual Meeting for May 1, 2026 in Salt Lake City, with a live webcast available. Shareholders of record on March 2, 2026 will vote on electing 11 directors, ratifying Ernst & Young as auditor, approving 2025 executive pay on an advisory basis, and a shareholder proposal requesting a report on risks from any misalignment between company policies and its customer base, which the Board recommends voting against.
The Board highlights strong governance practices, including 82% independent directors, an independent lead director, annual elections, proxy access, and robust risk and sustainability oversight. The Compensation Committee reports 2025 results with net earnings to common shareholders up 21%, diluted EPS rising to $6.01, total net revenue up 8%, and adjusted pre-provision net revenue up 12%, and ties most named executive officer pay to performance-based incentives with clawbacks and stock ownership requirements.
Zions Bancorporation Executive Vice President and Division CEO Steven Dan Stephens reported a tax-related share disposition. On March 6, 2026, 95 shares of common stock were withheld at $55.74 per share to satisfy tax obligations. Following this tax-withholding disposition, he directly owns 48,105 shares of Zions common stock.