Welcome to our dedicated page for Zions Bancorporation N A SEC filings (Ticker: ZION), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Zions Bancorporation, N.A. (NASDAQ: ZION) SEC filings page on Stock Titan provides access to the bank’s regulatory disclosures, including current reports on Form 8-K and other key documents filed with the U.S. Securities and Exchange Commission. Zions Bancorporation, N.A. is a national banking association organized in the United States, with Commission File Number 001-12307, and it files under the Securities Exchange Act of 1934.
Recent Form 8-K filings from Zions Bancorporation, N.A. include reports of quarterly financial results under Item 2.02, where the bank furnishes earnings press releases and supplemental presentations as exhibits. These filings describe net earnings, balance sheet metrics, and commentary from management, and they are explicitly identified as being furnished rather than filed for certain liability purposes. Other 8-K filings contain detailed forward-looking statement disclosures, outlining risks related to loan and securities portfolios, deposit composition, economic and political conditions, interest rate changes, regulatory developments, technology and cybersecurity, and reputational factors.
Through Stock Titan, users can review these filings alongside AI-powered summaries that explain the main points of lengthy documents such as earnings releases and risk disclosures. Real-time updates from the SEC’s EDGAR system ensure that new 8-Ks and other forms appear promptly, while AI-generated overviews help readers interpret complex language and identify key themes.
Investors can also use this page to track information relevant to Zions Bancorporation, N.A.’s capital structure, including references to its NASDAQ-listed common stock (ZION) and NYSE-listed Series A preferred shares (ZIONP). As additional forms such as annual reports on Form 10-K, quarterly reports on Form 10-Q, and insider transaction reports on Form 4 are filed, they can be accessed here with AI assistance to highlight significant developments, governance items, and risk factors.
Zions Bancorporation Executive Vice President Scott A. Law reported routine equity compensation activity involving company common stock. He exercised stock options to acquire 1,974 shares at $43.07 per share, converting a derivative award into direct share ownership. To cover tax obligations, 1,343 shares of common stock were disposed of through a tax-withholding transaction at $63.37 per share, which is not an open-market sale. The filing shows his direct common stock holdings after these transactions remained above 30,000 shares, indicating these moves adjust his compensation position rather than representing a directional market trade.
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 Executive Vice President Jennifer Anne Smith disposed of company stock and options back to the issuer. On April 2, 2026, she returned 3,711 stock options with an exercise price of $73.22 per share as they reached their expiration date, leaving no remaining options from this grant. The same day she also disposed of 15,671 shares of common stock to the issuer, and her direct common stock holdings after these transactions were 7,077.407 shares. A footnote notes the option grant had a graded vesting schedule, indicating it vested in tranches over time.
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.