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Zions Bancorporation ZION Provision for Credit Losses

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Segments

By segment

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Zions Bank$6M0.0%
TCBNW$2M

Other financials

Income statement

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Revenue$1.1B+35.7%
Net income$453.0M+85.7%
EPS (diluted)$3.05+87.1%

Balance sheet

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Total debt$2.2B+82.6%
Total equity$7.7B+16.4%
Total assets$89.0B+0.2%

Cash flow

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Operating cash flow$422.0M
CapEx$33.0M+6.5%
Free cash flow$389.0M

Valuation

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Market cap$10.46B+37.6%
P/E8.9×-0.1×
P/S2.8×+0.5×

Profitability

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Net margin31.3%+5.3pp
FCF margin44.9%+22.2pp

Returns & leverage

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Return on equity16.4%+3.0pp
Debt / equity0.3×+0.1×

Where this comes from

Reported directly by Zions Bancorporation in its filing.

Tagged under the XBRL concept zions:FinancingReceivableAndOffBalanceSheetLiabilityCreditLossExpenseReversal.

The source filing: Zions Bancorporation’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 3:30 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000109380-26-000111
(Unaudited) / (In millions, except shares and per share amounts)Three Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Provision for credit losses:
Provision for loan and lease losses43(3)20
Provision for unfunded lending commitments(1)(4)(1)(3)
Total provision for credit losses3(1)(4)17
Net interest income after provision for credit losses6746491,3431,255
Noninterest income:
Commercial account fees49469791
Card fees24244647

ITEM 1. FINANCIAL STATEMENTS (Unaudited)

FAQ

What is Zions Bancorporation's provision for credit losses?
Zions Bancorporation (ZION) reported provision for credit losses of $3M in Q2 2026.
How has Zions Bancorporation's provision for credit losses changed year-over-year?
Zions Bancorporation's provision for credit losses increased by 400.0% year-over-year, from -$1M to $3M.
What is the long-term trend for Zions Bancorporation's provision for credit losses?
Over 4 years (2021 to 2025), Zions Bancorporation's provision for credit losses has grown at a -28.5% compound annual growth rate (CAGR), from -$276M to $72M.
What does provision for credit losses mean?
Specific provisions allocated for potential losses on unfunded lending commitments and other off-balance-sheet credit exposures. This ensures the bank is adequately reserved for potential future funding obligations that may become non-performing.

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