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Zions Bancorporation ZION NBAZ — Provision for Credit Losses

Other segment segments

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

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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 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
(In millions)NBAZ / 2026NBAZ / 2025NSB / 2026NSB / 2025Vectra / 2026Vectra / 2025
SELECTED INCOME STATEMENT DATA
Net interest income 1$68$64$55$53$34$36
Provision for credit losses1(5)4
Net interest income after provision for credit losses676955493436
Noninterest income14101313811
Noninterest expense:
Salaries and employee benefits131311111010
Technology, telecom, and information processing111111

ITEM 1. FINANCIAL STATEMENTS (Unaudited)

FAQ

What is Zions Bancorporation's NBAZ — provision for credit losses?
Zions Bancorporation (ZION) reported NBAZ — provision for credit losses of $1M in Q2 2026.
How has Zions Bancorporation's NBAZ — provision for credit losses changed year-over-year?
Zions Bancorporation's NBAZ — provision for credit losses increased by 120.0% year-over-year, from -$5M to $1M.
What is the long-term trend for Zions Bancorporation's NBAZ — provision for credit losses?
Over 2 years (2021 to 2024), Zions Bancorporation's NBAZ — provision for credit losses has grown at a -23.4% compound annual growth rate (CAGR), from -$29M to $17M.
What does NBAZ — provision for credit losses mean?
An expense charged to the segment's earnings to maintain the allowance for loan and lease losses at a level management deems adequate to cover expected credit losses. This reflects the bank's assessment of credit risk within the regional loan portfolio. It is a forward-looking metric that adjusts based on economic forecasts and portfolio quality.

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