Zions Bancorporation, National Association Reports Second Quarter Financial Results

Zions Bancorporation, National Association Reports Second Quarter Financial Results

Benzinga
July 21, 2025

SALT LAKE CITY, July 21, 2025 /PRNewswire/ -- Zions Bancorporation, N.A. (NASDAQ:ZION) ("Zions" or "the Bank") today reported net earnings applicable to common shareholders for the second quarter of 2025 of $243 million, or $1.63 per diluted common share, compared with net earnings applicable to common shareholders of $190 million, or $1.28 per diluted common share, for the second quarter of 2024, and net earnings applicable to common shareholders of $169 million, or $1.13 per diluted common share, for the first quarter of 2025.

Harris H. Simmons, Chairman and CEO of Zions Bancorporation, commented, "We're very pleased with the quarter's strong financial results, with earnings per share up 27% over the prior year period, and adjusted pre-provision net revenue up 14%. The net interest margin continued to improve, increasing to 3.17% from 2.98% a year ago, and customer-related noninterest income rose 7%."

Mr. Simmons continued, "Though average deposits were relatively flat, average loans were up 4% over last year. Credit results remained solid, with net charge-offs of only 7 basis points of average loans. While there are some signs of moderate slowing, including a stabilization of housing costs in many western U.S. markets, the economy has performed somewhat better than might have been expected earlier in the year, and we're incrementally more optimistic about growth in the back half of the year than we'd previously been."

For the full version of the Bank's 2025 second quarter earnings release, including financial schedules, please visit www.zionsbancorporation.com.

Supplemental Presentation and Conference Call

Zions has posted a supplemental presentation to its website, which will be used to discuss the second quarter results at 5:30 p.m. ET on July 21, 2025. Media representatives, analysts, investors, and the public are invited to join this discussion by calling (877) 709-8150 (domestic and international) and using the meeting number 13754751, or via on-demand webcast. A link to the webcast will be available on the Zions Bancorporation website at

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