Zions Bancorporation, National Association (ZION)

ZION Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	1,779	2,104	1,653	3,083	2,728	6,308
Investment Securities	12,663	6,230	5,197	5,615	14,607	5,924
Trading Asset Securities	134	481	468	851	591	684
Mortgage-Backed Securities	9,059	15,653	17,226	18,988	20,387	11,693
Total Investments	21,856	22,364	22,891	25,454	35,585	18,301
Gross Loans	60,302	59,410	57,779	55,653	50,896	53,578
Allowance for Loan Losses	-679	-696	-684	-575	-513	-777
Other Adjustments to Gross Loans	-	-	-	-	-45	-102
Net Loans	59,623	58,714	57,095	55,078	50,338	52,699
Property, Plant & Equipment	1,358	1,554	1,572	1,581	1,514	1,422
Goodwill	-	1,027	1,027	1,027	1,014	1,014
Other Intangible Assets	1,094	25	32	38	1	2
Loans Held for Sale	215	74	53	8	83	81
Accrued Interest Receivable	-	341	364	322	226	254
Long-Term Deferred Tax Assets	-	904	999	1,128	96	-
Other Real Estate Owned & Foreclosed	5	1	6	3	8	4
Other Long-Term Assets	2,603	1,543	1,432	1,529	1,596	1,383
Total Assets	88,533	88,775	87,203	89,545	93,200	81,479
Interest Bearing Deposits	48,745	48,634	48,717	35,875	41,173	36,612
Institutional Deposits	-	2,885	-	-	563	547
Non-Interest Bearing Deposits	26,133	24,704	26,244	35,777	41,053	32,494
Total Deposits	74,878	76,223	74,961	71,652	82,789	69,653
Short-Term Borrowings	3,757	4,182	4,712	10,868	954	1,610
Current Portion of Leases	-	40	-	-	-	-
Long-Term Debt	1,473	946	538	647	1,008	1,332
Long-Term Leases	-	204	202	202	226	244
Pension & Post-Retirement Benefits	-	9	9	10	12	9
Other Long-Term Liabilities	1,560	1,047	1,090	1,273	748	745
Total Liabilities	81,668	82,651	81,512	84,652	85,737	73,593
Preferred Stock, Redeemable	66	66	440	440	440	566
Additional Paid-In Capital	1,721	1,737	1,731	1,754	1,928	2,686
Retained Earnings	7,134	6,701	6,212	5,811	5,175	4,309
Comprehensive Income & Other	-2,056	-2,380	-2,692	-3,112	-80	325
Total Common Equity	6,799	6,058	5,251	4,453	7,023	7,320
Shareholders' Equity	6,865	6,124	5,691	4,893	7,463	7,886
Total Liabilities & Equity	88,533	88,775	87,203	89,545	93,200	81,479
Total Debt	5,230	5,372	5,452	11,717	2,188	3,186
Net Cash (Debt)	-922	63	-1,843	-6,443	11,414	4,880
Net Cash Growth	-	-	-	-	133.89%	-
Net Cash Per Share	-6.26	0.43	-12.47	-42.88	71.23	29.47
Filing Date Shares Outstanding	147.64	147.89	148.16	148.65	151.57	164.21
Total Common Shares Outstanding	147.64	147.87	148.15	148.66	151.63	164.09
Book Value Per Share	46.05	40.97	35.44	29.95	46.32	44.61
Tangible Book Value	5,705	5,006	4,192	3,388	6,008	6,304
Tangible Book Value Per Share	38.64	33.85	28.30	22.79	39.62	38.42

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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