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Zions Bancorporation ZION CB&T — Income (loss) before income taxes

Other segment segments

Zions Bank
$79M-4.8%
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$9M

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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 us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic.

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
(In millions)Zions Bank / 2026Zions Bank / 2025CB&T / 2026CB&T / 2025Amegy / 2026Amegy / 2025
Occupancy and equipment, net779888
Other direct expenses 2131612111011
Indirect/allocated expenses908162567064
Total noninterest expense149142118109118114
Income (loss) before taxes$79$83$92$102$77$56
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans$15,358$15,008$15,398$15,176$14,740$14,158
Total average deposits21,12920,82715,89315,21015,35514,573

ITEM 1. FINANCIAL STATEMENTS (Unaudited)

FAQ

What is Zions Bancorporation's CB&T — income (loss) before income taxes?
Zions Bancorporation (ZION) reported CB&T — income (loss) before income taxes of $92M in Q2 2026.
How has Zions Bancorporation's CB&T — income (loss) before income taxes changed year-over-year?
Zions Bancorporation's CB&T — income (loss) before income taxes decreased by 9.8% year-over-year, from $102M to $92M.
What is the long-term trend for Zions Bancorporation's CB&T — income (loss) before income taxes?
Over 4 years (2021 to 2025), Zions Bancorporation's CB&T — income (loss) before income taxes has grown at a -8.3% compound annual growth rate (CAGR), from $406M to $287M.
What does CB&T — income (loss) before income taxes mean?
Measures the profitability of the segment after all operating revenues and expenses have been accounted for, but before the impact of income taxes. This provides a clear view of the segment's core operational performance and its contribution to the bank's overall pre-tax earnings. It is the primary indicator of the segment's economic value creation.

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