Call reports 2025
ZIONS BANCORPORATION, NATIONAL ASSOCIATION — 2025
What ZIONS BANCORPORATION, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 87,992,370,000 | 88,892,748,000 | 88,533,079,000 | 88,989,689,000 |
| Total loans | 60,052,554,000 | 61,005,071,000 | 60,517,245,000 | 61,118,055,000 |
| Allowance for loan losses | 697,433,000 | 689,950,000 | 679,152,000 | 678,051,000 |
| Securities available for sale | 9,222,848,000 | 9,116,299,000 | 9,170,613,000 | 9,206,593,000 |
| Securities held to maturity | 9,481,068,000 | 9,271,684,000 | 9,058,789,000 | 8,867,476,000 |
| Trading assets | 64,027,000 | 179,626,000 | 134,333,000 | 63,944,000 |
| Total deposits | 76,011,070,000 | 74,054,523,000 | 75,104,529,000 | 75,875,678,000 |
| Interest-bearing deposits | 51,219,249,000 | 48,641,730,000 | 48,971,735,000 | 50,052,682,000 |
| Noninterest-bearing deposits | 24,791,821,000 | 25,412,793,000 | 26,132,794,000 | 25,822,996,000 |
| Equity capital | 6,327,719,000 | 6,595,765,000 | 6,864,795,000 | 7,179,703,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,030,872,000 | 2,086,627,000 | 3,157,078,000 | 4,203,200,000 |
| Interest expense | 403,511,000 | 806,377,000 | 1,198,722,000 | 1,557,025,000 |
| Net interest income | 627,361,000 | 1,280,250,000 | 1,958,356,000 | 2,646,175,000 |
| Noninterest income | 167,830,000 | 352,533,000 | 535,574,000 | 740,056,000 |
| Noninterest expense | 537,758,000 | 1,064,618,000 | 1,591,448,000 | 2,139,987,000 |
| Provision for loan losses | 17,217,000 | 20,619,000 | 65,638,000 | 71,102,000 |
| Pretax income | 239,989,000 | 551,281,000 | 836,234,000 | 1,174,448,000 |
| Income tax | 70,060,000 | 137,268,000 | 200,776,000 | 275,746,000 |
| Net income | 169,929,000 | 414,013,000 | 635,458,000 | 898,702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,445,368,000 | 7,636,550,000 | 7,800,014,000 | 8,002,555,000 |
| Total capital | 9,057,434,000 | 9,242,713,000 | 9,403,647,000 | 9,509,716,000 |
| Risk-weighted assets | 68,132,483,000 | 69,025,943,000 | 68,647,610,000 | 69,142,316,000 |