Zions Bancorporation, National Association (ZION)

ZION Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	3,455	3,501	3,514	3,196	2,112	1,935
Interest Income on Investments	647	683	779	751	593	332
Total Interest Income	4,102	4,184	4,293	3,947	2,705	2,267
Interest Paid on Deposits	1,168	1,250	1,540	1,063	70	30
Interest Paid on Borrowings	228	307	323	446	115	29
Total Interest Expense	1,396	1,557	1,863	1,509	185	59
Net Interest Income	2,706	2,627	2,430	2,438	2,520	2,208
Net Interest Income Growth	5.25%	8.11%	-0.33%	-3.25%	14.13%	-0.36%
Trust Income	61	57	58	58	55	50
Gain (Loss) on Sale of Investments	289	52	19	4	-15	71
Other Non-Interest Income	702	649	623	615	592	582
Total Non-Interest Income	1,052	758	700	677	632	703
Non-Interest Income Growth	41.59%	8.29%	3.40%	7.12%	-10.10%	22.47%
Revenues Before Loan Losses	3,758	3,385	3,130	3,115	3,152	2,911
Provision for Loan Losses	-6	72	72	132	122	-276
Revenue	3,764	3,313	3,058	2,983	3,030	3,187
Revenue Growth	17.37%	8.34%	2.51%	-1.55%	-4.93%	34.13%
Salaries and Employee Benefits	1,350	1,315	1,254	1,242	1,205	1,099
Occupancy Expenses	131	126	121	117	106	106
Federal Deposit Insurance	56	75	80	79	50	34
Selling, General & Administrative	522	476	442	424	381	389
Other Non-Interest Expense	169	159	139	145	135	118
Total Non-Interest Expense	2,228	2,149	2,035	2,007	1,878	1,746
EBT Excluding Unusual Items	1,536	1,164	1,023	976	1,152	1,441
Other Unusual Items	16	11	-11	-90	-	5
Pretax Income	1,552	1,175	1,012	886	1,152	1,446
Income Tax Expense	340	276	228	206	245	317
Net Income	1,212	899	784	680	907	1,129
Preferred Dividends & Other Adjustments	15	15	55	38	37	41
Net Income to Common	1,197	884	729	642	870	1,088
Net Income Growth	45.44%	21.26%	13.55%	-26.21%	-20.04%	117.17%
Basic Shares Outstanding	146	147	147	148	150	160
Diluted Shares Outstanding	146	147	147	148	150	160
Shares Change	-0.57%	-0.04%	-0.37%	-1.67%	-6.22%	-3.25%
EPS (Basic)	8.18	6.01	4.95	4.35	5.80	6.80
EPS (Diluted)	8.15	6.01	4.95	4.35	5.79	6.79
EPS Growth	45.77%	21.39%	13.92%	-24.95%	-14.73%	124.83%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	1.830	1.760	1.660	1.640	1.580	1.440
Dividend Growth	5.17%	6.02%	1.22%	3.80%	9.72%	5.88%
Effective Tax Rate	21.91%	23.49%	22.53%	23.25%	21.27%	21.92%

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 23, 2026

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