Zions Bancorporation, National Association Q3 2025 Earnings Recap

ZION Q3 2025 October 21, 2025

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Zions Bancorp reported solid third-quarter performance, driven by an expanding net interest margin and strong growth in average customer deposits, despite elevated credit provisions impacting earnings.

Earnings Per Share Beat

$1.54 vs $1.46 est.

+5.5% surprise

Revenue Beat

861000000 vs 843081119 est.

+2.1% surprise

Market Reaction

1-Day +1.39%

5-Day +2.18%

30-Day -2.06%

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Key Takeaways

Net interest margin improved by 11 basis points to 3.28%, marking the seventh consecutive quarter of expansion.
Third-quarter diluted earnings per share was $1.48, down from $1.63 sequentially, primarily due to a $49 million provision for credit loss.
Adjusted noninterest income rose 6% quarter-over-quarter, driven by strong capital markets activity and increased customer engagement.
Average loans and deposits grew at an annualized rate of 2.1% and 3.1%, respectively, indicating positive trends in loan origination and deposit retention.

This summary was generated by AI from the official earnings call transcript and is provided for informational purposes only. It does not constitute financial advice. For the complete transcript and financial data, visit ZION on AllInvestView.

Next Q1 2026