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Zions Bancorporation ZION NSB — Occupancy and equipment, net

Other segment segments

Zions Bank
$7M0.0%
TCBNW
$1M

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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:OccupancyNet.

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
Noninterest expense:
Salaries and employee benefits131311111010
Technology, telecom, and information processing111111
Occupancy and equipment, net323333
Other direct expenses 2365443
Indirect/allocated expenses292625241817
Total noninterest expense494845433634
Income (loss) before taxes$32$31$23$19$6$13

ITEM 1. FINANCIAL STATEMENTS (Unaudited)

FAQ

What is Zions Bancorporation's NSB — occupancy and equipment, net?
Zions Bancorporation (ZION) reported NSB — occupancy and equipment, net of $3M in Q2 2026.
How has Zions Bancorporation's NSB — occupancy and equipment, net changed year-over-year?
Zions Bancorporation's NSB — occupancy and equipment, net decreased by 0.0% year-over-year, from $3M to $3M.
What is the long-term trend for Zions Bancorporation's NSB — occupancy and equipment, net?
Over 3 years (2022 to 2025), Zions Bancorporation's NSB — occupancy and equipment, net has grown at a 2.9% compound annual growth rate (CAGR), from $11M to $12M.
What does NSB — occupancy and equipment, net mean?
Represents the net costs associated with maintaining physical branch locations, office facilities, and banking equipment within a specific geographic or business segment. This includes depreciation, lease expenses, and maintenance costs, offset by any sublease income. It serves as a proxy for the physical footprint and infrastructure investment required to support regional banking operations.

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