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8-K

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION)

8-K 2026-01-20 For: 2026-01-20
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Added on April 07, 2026

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

Date of Report (date of earliest event reported)  January 20, 2026

ZIONS BANCORPORATION, NATIONAL ASSOCIATION

(Exact name of registrant as specified in its charter)

United States of America 001-12307 87-0189025
(State or other jurisdiction of incorporation or organization) (Commission File Number) (IRS Employer Identification No.)
One South Main, Salt Lake City, Utah 84133-1109
(Address of Principal Executive Offices) (Zip Code)

Registrant's telephone number, including area code (801) 844-8208

Former name or former address, if changed since last report

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class Trading Symbols Name of Each Exchange on Which Registered
Common Stock, par value $0.001 ZION The NASDAQ Stock Market, LLC
Depositary Shares each representing a 1/40th ownership interest in a share of:
Series A Floating-Rate Non-Cumulative Perpetual Preferred Stock ZIONP The NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02    Results of Operations and Financial Condition.

On January 20, 2026, Zions Bancorporation, National Association (“the Bank”) announced its financial results for the quarter ended December 31, 2025 and its intent to host a conference call to discuss such results at 5:30 p.m. Eastern Time on January 20, 2026. The press release announcing the financial results for the quarter ended December 31, 2025 is furnished as Exhibit 99.1 and incorporated herein by reference. A presentation to be used in conjunction with the conference call regarding the Bank’s fourth quarter financial results is furnished as Exhibit 99.2 and incorporated herein by reference.

The information in this Current Report on Form 8-K, including the exhibits, is furnished pursuant to Item 2.02 and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities under that Section. Furthermore, the information in this Current Report on Form 8-K, including the exhibits, shall not be deemed to be incorporated by reference into the filings of the Bank under the Securities Act of 1933, as amended.

Item 9.01    Financial Statements and Exhibits.

Exhibits.

The following exhibits are furnished as part of this Current Report on Form 8-K:

Exhibit Number Description
99.1 Press Release dated January 20, 2026 (furnished herewith).
99.2 Earnings Release Presentation dated January 20, 2026 (furnished herewith).
101 Cover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document.
104 The cover page from this Current Report on form 8-K, formatted as Inline XBRL.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

ZIONS BANCORPORATION, NATIONAL ASSOCIATION
By: /s/ R. Ryan Richards
Name:    R. Ryan Richards
Title:      Executive Vice President and Chief Financial Officer
Date: January 20, 2026

Document

Zions Bancorporation, N.A.<br>One South Main<br>Salt Lake City, UT 84133<br>January 20, 2026
www.zionsbancorporation.com

Fourth Quarter 2025 Financial Results: FOR IMMEDIATE RELEASE

Investor Contact: Shannon Drage (801) 844-8208

Media Contact: Jennifer Johnston (801) 844-7112

Zions Bancorporation, N.A. reports 4Q25 Net Earnings of $262 million, diluted EPS of $1.76
compared with 4Q24 Net Earnings of $200 million, diluted EPS of $1.34,<br>and 3Q25 Net Earnings of $221 million, diluted EPS of $1.48
2025 Annual Net Earnings of $895 million, diluted EPS of $6.01,<br>compared with 2024 Annual Net Earnings of $737 million, diluted EPS of $4.95

FOURTH QUARTER RESULTS

$1.76 $262 million 17.9% 11.5%
Net earnings per diluted<br><br>common share Net earnings Return on average tangible common equity2 Estimated common equity<br>tier 1 ratio
FOURTH QUARTER HIGHLIGHTS¹
--- --- --- ---
Net Interest Income and NIM •
• NIM was 3.31%, compared with 3.05%
Operating Performance •
• Customer-related noninterest income was 177 million, up 1%, and up 4% for full year 2025
• Noninterest expense was 546 million, up 7%; adjusted noninterest expense² was 548 million, up 8%, and up 5% when excluding the 15 million charitable contribution during the quarter
Loans and Credit Quality •
• The annualized ratio of net loan and lease charge-offs to average loans and leases was 0.05%, compared with 0.24%
• The provision for credit losses was 6 million, compared with 41 million
• Nonperforming assets were 320 million, or 0.52% of loans and leases and other real estate owned, compared with 298 million, or 0.50%
• Classified loans were 2.4 billion, or 3.91% of loans and leases, compared with 2.9 billion, or 4.83%
Deposits and Borrowed Funds •
• Short-term borrowings, primarily composed of secured borrowings, were 3.1 billion, down 19%
Capital •
• Tangible book value per common share was 40.79, up 21%
Other Notable Items •
• FDIC Special Assessment accrual reversal of 9 million, or 0.05 per share

All values are in US Dollars.

CEO COMMENTARY
Harris H. Simmons, Chairman and CEO of Zions Bancorporation, commented, “We’re pleased with fourth quarter results, with earnings per share rising 31% to $1.76 from the prior year’s quarterly earnings of $1.34. Adjusted taxable-equivalent revenue increased 7.1% to $879 million, while adjusted noninterest expense rose 7.7% to $548 million. The adjusted quarterly operating expense includes a $15 million donation to the Zions Bancorporation Foundation, which will be used over the coming three years to make charitable donations that we expect would otherwise have been nondeductible as a result of recent tax law changes that became effective on January 1. Excluding this donation, adjusted operating expenses would have increased 4.7%, resulting in positive operating leverage during the quarter of 2.4%, and an efficiency ratio of 60.6%.”<br><br>Mr. Simmons continued, “Credit quality was strong during the quarter, with annualized net charge-offs totaling 0.05% of loans. Capital continued to strengthen, with tangible book value per share rising 21% over the past twelve months, and the Common Equity Tier 1 capital ratio strengthening to 11.5% from 10.9% a year ago. Both loans and deposits grew at a 4.1% annualized rate during the quarter, and the net interest margin continued to improve, reaching 3.31%, up from 3.28% last quarter and 3.05% a year ago.”<br><br>Mr. Simmons concluded, “Results for the full year 2025 continued to demonstrably strengthen relative to 2024. Earnings per share increased 21%, while adjusted taxable equivalent revenue rose 7.4% and adjusted operating expenses grew 4.8%, or 4.0% when excluding the $15 million donation. We’re looking forward to continued prudent growth in the coming year.”
OPERATING PERFORMANCE2
(In millions) Three Months Ended<br>December 31, Twelve Months Ended<br>December 31,
--- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- ---
2025 2024 2025 2024
Net Interest Margin 3.31 % 3.05 % 3.21 % 3.00 %
Adjusted PPNR3 $ 331 $ 312 $ 1,266 $ 1,131
Net charge-offs $ 7 $ 36 $ 89 $ 60
Efficiency ratio3 62.3 % 62.0 % 62.6 % 64.2 %

1 Comparisons noted in the bullet points are calculated for the current quarter compared with the same prior year period unless otherwise specified.

2 For information on non-GAAP financial measures, see pages 18-21.

3 Excluding the $15 million charitable contribution, adjusted PPNR for the three and twelve months ended December 31, 2025, would have been $346 million and $1.28 billion, respectively, with corresponding efficiency ratios of 60.6% and 62.2%.

ZIONS BANCORPORATION, N.A.

Press Release – Page 2

Comparisons noted below are calculated for the current quarter versus the same prior year period, unless otherwise specified. Growth rates of 100% or more are considered not meaningful (“NM”) as they typically reflect a low starting point.

RESULTS OF OPERATIONS

Net Interest Income and Margin
4Q25 - 3Q25 4Q25 - 4Q24
(In millions) 4Q25 3Q25 4Q24 % %
Interest and fees on loans $ 878 $ 898 $ 873 (2) % 1 %
Interest on money market investments 42 41 60 1 2 (18) (30)
Interest on securities 121 125 129 (4) (3) (8) (6)
Total interest income 1,041 1,064 1,062 (23) (2) (21) (2)
Interest on deposits 299 313 371 (14) (4) (72) (19)
Interest on short- and long-term borrowings 59 79 64 (20) (25) (5) (8)
Total interest expense 358 392 435 (34) (9) (77) (18)
Net interest income $ 683 $ 672 $ 627 2 9
bps bps
Yield on interest-earning assets 1 5.01 % 5.16 % 5.13 % (15) (12)
Rate paid on total deposits and interest-bearing liabilities 1 1.76 % 1.92 % 2.12 % (16) (36)
Cost of deposits 1 1.56 % 1.67 % 1.93 % (11) (37)
Net interest margin 1 3.31 % 3.28 % 3.05 % 3 26

All values are in US Dollars.

1 Taxable-equivalent rates used where applicable.

Net interest income increased $56 million, or 9%, in the fourth quarter of 2025, relative to the prior year period, primarily due to lower funding costs. The increase was further supported by a favorable shift in the composition of average interest-earning assets, reflecting growth in higher-yielding loans and a decline in lower-yielding money market investments and securities. As a result, the net interest margin improved to 3.31%, compared with 3.05%.

The yield on average interest-earning assets, net of hedging activity, was 5.01% for the fourth quarter of 2025, compared with 5.13% in the prior year period, reflecting lower interest rates. The net yield on average loans and leases decreased 16 basis points to 5.76%, while the net yield on average securities declined 7 basis points to 2.66%. Additionally, the yield on average money market investments declined 77 basis points to 4.23%.

The rate paid on total deposits and interest-bearing liabilities was 1.76% for the fourth quarter of 2025, compared with 2.12% in the prior year period. The total cost of deposits was 1.56%, compared with 1.93%, reflecting the lower interest rate environment.

Average interest-earning assets remained relatively flat from the prior year period. Average loans and leases increased $1.5 billion, while average securities and average money market investments decreased $926 million and $805 million, respectively.

Average interest-bearing liabilities decreased $2.3 billion, or 4%, from the prior year period. This decrease was primarily driven by a $2.1 billion reduction in average interest-bearing deposits, largely due to a decline in brokered deposits, along with a $172 million decrease in average borrowed funds.

ZIONS BANCORPORATION, N.A.

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Noninterest Income
4Q25 - 3Q25 4Q25 - 4Q24
(In millions) 4Q25 3Q25 4Q24 % %
Commercial account fees $ 47 $ 47 $ 47 — % — %
Card fees 24 24 24 — — — —
Retail and business banking fees 20 19 17 1 5 3 18
Loan-related fees and income 19 20 20 (1) (5) (1) (5)
Capital markets fees and income 1 37 24 40 13 54 (3) (8)
Wealth management fees 14 14 14 — — — —
Other customer-related fees 16 15 14 1 7 2 14
Customer-related noninterest income 177 163 176 14 9 1 1
Dividends and other income 10 15 9 (5) (33) 1 11
Securities gains (losses), net 21 11 8 10 91 13 NM
Noncustomer-related noninterest income 31 26 17 5 19 14 82
Total noninterest income $ 208 $ 189 $ 193 10 8
Adjusted customer-related noninterest income 2 $ 175 $ 174 $ 173 1 1

All values are in US Dollars.

1 Effective the first quarter of 2025, capital markets fees and income includes the net credit valuation adjustment ("CVA"), which was previously disclosed under noncustomer-related noninterest income. Prior period amounts have been reclassified for comparative purposes.

2 Net of CVA. For information on non-GAAP financial measures, see pages 18-21.

Customer-related noninterest income was relatively flat compared with the prior year period and primarily reflects a $3 million increase in retail and business banking fees, driven largely by an increase in overdraft and deposit service fees, offset by a $3 million decline in capital markets fees and income, mainly attributable to reduced syndication and foreign exchange activity. For the full year 2025, customer-related noninterest income increased $23 million, or 4%. Excluding the impact of net CVA, capital markets fees and income increased $15 million, or 14%, benefitting from higher customer swap fee revenue and increased investment banking advisory fees.

Noncustomer-related noninterest income increased $14 million, or 82%, compared with the prior year period. This growth was primarily driven by a $13 million increase in net securities gains, largely attributable to valuation adjustments within our Small Business Investment Company (“SBIC”) investment portfolio.

Noninterest Expense
4Q25 - 3Q25 4Q25 - 4Q24
(In millions) 4Q25 3Q25 4Q24 % %
Salaries and employee benefits $ 335 $ 337 $ 321 (1) % 4 %
Technology, telecom, and information processing 71 70 66 1 1 5 8
Occupancy and equipment, net 43 42 42 1 2 1 2
Professional and legal services 21 14 17 7 50 4 24
Marketing and business development 30 11 10 19 NM 20 NM
Deposit insurance and regulatory expense 6 16 17 (10) (63) (11) (65)
Credit-related expense 7 6 6 1 17 1 17
Other real estate expense, net (2) — — (2) NM (2) NM
Other 35 31 30 4 13 5 17
Total noninterest expense $ 546 $ 527 $ 509 4 7
Adjusted noninterest expense 1 $ 548 $ 520 $ 509 5 8

All values are in US Dollars.

1 For information on non-GAAP financial measures, see pages 18-21.

ZIONS BANCORPORATION, N.A.

Press Release – Page 4

Noninterest expense increased $37 million, or 7%, compared with the prior year quarter. Marketing and business development expense increased $20 million, largely driven by a $15 million donation to our charitable foundation. Salaries and employee benefits expense increased $14 million, primarily due to higher base salaries and severance costs, along with increased incentive compensation accruals reflecting improved profitability. Technology, telecom, and information processing expense increased $5 million, mainly due to higher costs associated with application software, licensing, and maintenance costs. Other noninterest expense increased $5 million, partly due a success fee accrual adjustment related to our SBIC investments. These increases were partially offset by an $11 million decrease in deposit insurance and regulatory expense, largely due to an updated FDIC special assessment estimate.

Adjusted noninterest expense increased $39 million, or 8%, primarily due to the same factors previously mentioned. The efficiency ratio was relatively flat at 62.3%, compared with 62.0%. Excluding the $15 million charitable contribution, adjusted noninterest expense for the three months ended December 31, 2025 would have been $533 million, resulting in an efficiency ratio of 60.6%, reflecting positive operating leverage. For more information regarding non-GAAP financial measures, see pages 18-21.

BALANCE SHEET ANALYSIS

Investment Securities
4Q25 - 3Q25 4Q25 - 4Q24
(In millions) 4Q25 3Q25 4Q24 % %
Investment securities:
Available-for-sale, at fair value $ 9,207 $ 9,170 $ 9,095 — % 1 %
Held-to-maturity, at amortized cost 8,867 9,059 9,669 (192) (2) (802) (8)
Total investment securities, net of allowance $ 18,074 $ 18,229 $ 18,764 (1) (4)

All values are in US Dollars.

Total investment securities decreased $690 million, or 4%, to $18.1 billion, relative to the prior year quarter, primarily due to principal reductions, net of reinvestments.

Loans and Leases
4Q25 - 3Q25 4Q25 - 4Q24
(In millions) 4Q25 3Q25 4Q24 % %
Loans held for sale $ 201 $ 215 $ 74 (7) % NM
Loans and leases:
Commercial $ 31,696 $ 31,179 $ 30,965 2 2 %
Commercial real estate 13,396 13,477 13,477 (81) (1) (81) (1)
Consumer 15,825 15,646 14,968 179 1 857 6
Loans and leases, net of unearned income and fees 60,917 60,302 59,410 615 1 1,507 3
Less allowance for loan losses 678 679 696 (1) — (18) (3)
Loans and leases held for investment, net of allowance $ 60,239 $ 59,623 $ 58,714 1 3
Unfunded commitments $ 30,244 $ 30,337 $ 29,618 — 2

All values are in US Dollars.

Loans and leases, net of unearned income and fees, increased $1.5 billion, or 3%, to $60.9 billion, relative to the prior year quarter. This growth was driven by an $857 million increase in consumer loans, primarily within the 1-4 family residential loan portfolio, and a $731 million increase in commercial loans, largely within the commercial and industrial loan portfolio.

The $127 million increase in loans held for sale compared to the prior year quarter primarily reflects an increase in 1-4 family residential loans as well as higher real estate capital markets activity.

ZIONS BANCORPORATION, N.A.

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Credit Quality
4Q25 - 3Q25 4Q25 - 4Q24
(In millions) 4Q25 3Q25 4Q24 % %
Provision for credit losses $ 6 $ 49 $ 41 (88) % (85) %
Allowance for credit losses 724 725 741 (1) — (17) (2)
Net loan and lease charge-offs (recoveries) 7 56 36 (49) (88) (29) (81)
Nonperforming assets 320 324 298 (4) (1) 22 7
Classified loans 2,380 2,415 2,870 (35) (1) (490) (17)
4Q25 3Q25 4Q24 bps bps
Ratio of ACL to loans and leases outstanding, at period end 1.19 % 1.20 % 1.25 % (1) (6)
Annualized ratio of net loan and lease charge-offs (recoveries) to average loans 0.05 % 0.37 % 0.24 % (32) (19)
Ratio of nonperforming assets to loans and leases and other real estate owned 0.52 % 0.54 % 0.50 % (2) 2
Ratio of classified loans to total loans and leases 3.91 % 4.00 % 4.83 % (9) (92)

All values are in US Dollars.

During the fourth quarter of 2025, we recorded a $6 million provision for credit losses, compared with $41 million during the prior year period. The allowance for credit losses (“ACL”) totaled $724 million at December 31, 2025, compared with $741 million at December 31, 2024. The year-over-year decrease in the ACL primarily reflects lower reserves associated with commercial real estate (“CRE”) portfolio-specific risks, partially offset by more adverse economic scenarios and increased growth in loans and commitments. The ratio of ACL to total loans and leases was 1.19% at December 31, 2025, compared with 1.25% at December 31, 2024.

Net loan and lease charge-offs totaled $7 million in the fourth quarter of 2025, compared with $36 million in the prior year quarter. At December 31, 2025, nonperforming assets totaled $320 million, or 0.52% of total loans and leases and other real estate owned, compared with $298 million, or 0.50%, in the prior year period. Nonperforming assets remained primarily concentrated in the commercial and industrial, term CRE, and consumer 1-4 family residential loan portfolios. Classified loans totaled $2.4 billion, or 3.91% of total loans and leases, compared with $2.9 billion, or 4.83%, in the prior year period.

Deposits and Borrowed Funds
4Q25 - 3Q25 4Q25 - 4Q24
(In millions) 4Q25 3Q25 4Q24 % %
Deposits:
Noninterest-bearing demand $ 25,823 $ 26,133 $ 24,704 (1) % 5 %
Interest-bearing:
Savings and money market 39,914 38,689 40,037 1,225 3 (123) —
Time 6,070 6,232 6,448 (162) (3) (378) (6)
Brokered 3,837 3,824 5,034 13 — (1,197) (24)
Total interest-bearing 49,821 48,745 51,519 1,076 2 (1,698) (3)
Total deposits $ 75,644 $ 74,878 $ 76,223 1 (1)
Borrowed funds:
Federal funds purchased and other short-term borrowings $ 3,104 $ 3,757 $ 3,832 (17) (19)
Long-term debt 1,472 1,473 950 (1) — 522 55
Total borrowed funds $ 4,576 $ 5,230 $ 4,782 (13) (4)

All values are in US Dollars.

Total deposits decreased $579 million, or 1%, compared with the prior year quarter. Interest-bearing deposits decreased $1.7 billion from the prior year quarter, primarily due to a reduction in brokered deposits. This decline was

ZIONS BANCORPORATION, N.A.

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partially offset by a $1.1 billion increase in noninterest-bearing demand deposits, mainly driven by the migration of a consumer interest-bearing product into a new noninterest-bearing offering.

At December 31, 2025, customer deposits (excluding brokered deposits) totaled $71.8 billion, compared with $71.2 billion at December 31, 2024. These balances included approximately $6.8 billion and $7.0 billion of reciprocal deposits, respectively. The loan-to-deposit ratio was 81%, compared with 78% in the prior year quarter.

Total borrowed funds, primarily composed of secured borrowings, decreased $206 million, or 4%, compared with the prior year quarter. This decrease was driven by a reduction in short-term advances from the FHLB, partially offset by the issuance of $500 million in 4.70% Fixed-to-Floating Senior Notes during the third quarter of 2025.

Shareholders’ Equity
4Q25 - 3Q25 4Q25 - 4Q24
(In millions, except share data) 4Q25 3Q25 4Q24 % %
Shareholders’ equity:
Preferred stock $ 66 $ 66 $ 66 — % — %
Common stock and additional paid-in capital 1,726 1,721 1,737 5 — (11) (1)
Retained earnings 7,329 7,134 6,701 195 3 628 9
Accumulated other comprehensive income (loss) (1,941) (2,056) (2,380) 115 6 439 18
Total shareholders’ equity $ 7,180 $ 6,865 $ 6,124 5 17
Capital distributions:
Common dividends paid $ 67 $ 67 $ 64 — 5
shares % shares %
Weighted average diluted common shares outstanding (in thousands) 147,120 147,125 147,329 (5) — % (209) — %
Common shares outstanding, at period end (in thousands) 147,653 147,640 147,871 13 — (218) —

All values are in US Dollars.

The common stock dividend was $0.45 per share, compared with $0.43 per share during the fourth quarter of 2024.

At December 31, 2025, the accumulated other comprehensive income (loss) (“AOCI”) balance reflected a net loss of $1.9 billion, primarily attributable to a decline in the fair value of fixed-rate AFS securities driven by changes in interest rates. This amount includes $1.6 billion ($1.2 billion after tax) of unrealized losses associated with securities previously transferred from AFS to held-to-maturity (“HTM”). Compared with December 31, 2024, AOCI improved $439 million, and had a positive impact on our tangible book value per common share. Absent any sales or credit impairment of these securities, the unrealized losses will not be recognized in earnings. We do not intend to sell any securities with unrealized losses. Although these changes in AOCI are reflected in shareholders’ equity, they are currently excluded from regulatory capital, and therefore do not impact our regulatory capital ratios.

Estimated common equity tier 1 (“CET1”) capital was $7.9 billion, an increase of 8%, compared with $7.4 billion in the prior year period. The estimated CET1 capital ratio was 11.5%, compared with 10.9%. Tangible book value per common share increased $6.94, or 21%, to $40.79, mainly due to an increase in retained earnings and reduced unrealized losses in AOCI. For more information on non-GAAP financial measures, see pages 18-21.

ZIONS BANCORPORATION, N.A.

Press Release – Page 7

Supplemental Presentation and Conference Call

Zions has posted a supplemental presentation to its website, which will be used to discuss the fourth quarter results at 5:30 p.m. ET on January 20, 2026. Media representatives, analysts, investors, and the public are invited to join this discussion by calling (877) 709-8150 (domestic and international) and using the meeting number 13757867, or via on-demand webcast. A link to the webcast will be available on the Zions Bancorporation website at www.zionsbancorporation.com. The webcast of the conference call will also be archived and available for 30 days.

About Zions Bancorporation, N.A.

Zions Bancorporation, N.A. is one of the nation's premier financial services companies with annual net revenue of $3.4 billion in 2025, and total assets of approximately $89 billion at December 31, 2025. Zions operates under local management teams and distinct brands in 11 western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The Bank is a consistent recipient of national and state-wide customer survey awards in small- and middle-market banking, as well as a leader in public finance advisory services and Small Business Administration lending. In addition, Zions is included in the S&P MidCap 400 and NASDAQ Financial 100 indices. Investor information and links to local banking brands can be accessed at www.zionsbancorporation.com.

Forward-Looking Information

This earnings release contains “forward-looking statements” as defined under the Private Securities Litigation Reform Act of 1995. These statements reflect management’s current expectations and assumptions regarding future events and outcomes. However, they are inherently subject to known and unknown risks, uncertainties, and other factors that could cause actual results, performances, achievements, industry developments, or regulatory outcomes to differ materially from those expressed or implied. Forward-looking statements may include, among others:

•Statements concerning the beliefs, plans, objectives, goals, targets, commitments, designs, guidelines, expectations, anticipations, and future financial condition, operating results, and performance of Zions Bancorporation, National Association, and its subsidiaries (collectively “Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” “us”); and

•Statements preceded or followed by, or that include, terminology such as “may,” “might,” “can,” “continue,” “could,” “should,” “would,” “believe,” “anticipate,” “estimate,” “forecasts,” “expect,” “intend,” “target,” “commit,” “design,” “plan,” “projects,” “will,” or similar words and expressions, including their negative forms.

Forward-looking statements are not guarantees and should not be relied upon as representing management’s views as of any subsequent date. Actual results and outcomes may differ materially from those presented. Although the following list is not comprehensive, key factors that may cause material differences include:

•The quality and composition of our loan and investment securities portfolios and the quality and composition of our deposits;

•Changes in general industry, political, and economic conditions, including increases in the national debt, elevated inflation, economic slowdowns or recessions, and other macroeconomic challenges; changes in interest and reference rates, which could negatively impact our revenues and expenses, the valuation and performance of our assets and liabilities, and the availability and cost of capital and liquidity;

•Political developments, including government shutdowns and other significant disruptions and changes in the funding, size, scope, and effectiveness of the government and its agencies and services;

•The effects of newly enacted and proposed regulations affecting us and the banking industry, as well as changes and uncertainties in the interpretation, enforcement, and applicability of laws and fiscal, monetary, regulatory, trade, and tax policies;

ZIONS BANCORPORATION, N.A.

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•Actions taken by governments, agencies, central banks, and similar organizations, including those that result in decreases in revenue, increases in regulatory bank fees, insurance assessments, and capital standards; and other regulatory requirements;

•Evolving trade policies and disputes, such as proposed and implemented tariffs and resulting market volatility and uncertainty, including the effects on supply chains, expenses, and revenues for both us and our customers;

•Judicial, regulatory and administrative inquiries, investigations, examinations or proceedings and the outcomes thereof that create uncertainty for, or are adverse to, us or the banking industry;

•Changes in our credit ratings;

•Our ability to innovate and otherwise address competitive pressures and other factors that may affect aspects of our business, such as pricing, relevance of, and demand for, our products and services, and our ability to recruit and retain talent;

•The potential for both positive and disruptive impacts of emerging technologies, including stablecoins and other digital currencies, tokenized deposits, blockchain, artificial intelligence, quantum computing, and related innovations affecting both us and the banking industry;

•Our ability to complete projects and initiatives and execute our strategic plans, manage our risks, control compensation and other expenses, and achieve our business objectives;

•Our ability to develop and maintain technology and information security systems, along with effective controls designed to guard against fraud, cybersecurity, and privacy risks and related incidents, particularly given the accelerating pace at which threat actors are developing and deploying increasingly sophisticated and targeted tactics against the financial services industry;

•Our ability to provide adequate oversight of our suppliers to help us prevent or mitigate effects upon us and our customers of inadequate performance, systems failures, or cyber and other incidents by, or affecting, third parties upon whom we rely for the delivery of various products and services;

•The effects of wars, geopolitical conflicts, and other local, national, or international disasters, crises, or conflicts that may occur in the future;

•Natural disasters, pandemics, wildfires, catastrophic events, and other emergencies and incidents, and their impact on our and our customers’ operations, business, and communities, including the increasing difficulty in, and the expense of, obtaining property, auto, business, and other insurance products;

•Governmental and social responses to environmental, social, and governance issues, including those with respect to climate change and diversity;

•Securities and capital markets behavior, including volatility and changes in market liquidity and our ability to raise capital;

•The possibility that our recorded goodwill could become impaired, which may have an adverse impact on our earnings and shareholders’ equity;

•The impact of bank closures or adverse developments at other banks on general investor sentiment regarding the stability and liquidity of banks;

•Adverse news and other expressions of negative public opinion whether directed at us, other banks, the banking industry, or otherwise that may adversely affect our reputation and that of the banking industry generally; and

•Other assumptions, risks, or uncertainties described in this earnings release, and other SEC filings.

We caution against undue reliance on forward-looking statements, which reflect our views only as of their date of issuance. Except as required by law, we specifically disclaim any obligation to update any factors or publicly announce revisions to forward-looking statements to reflect future events or developments.

ZIONS BANCORPORATION, N.A.

Press Release – Page 9

FINANCIAL HIGHLIGHTS

(Unaudited)

Three Months Ended
(In millions, except share, per share, and ratio data) December 31,<br>2025 September 30,<br>2025 June 30,<br>2025 March 31,<br>2025 December 31,<br>2024
BALANCE SHEET 1
Loans held for investment, net of allowance $ 60,239 $ 59,623 $ 60,143 $ 59,244 $ 58,714
Total assets 88,990 88,533 88,893 87,992 88,775
Deposits 75,644 74,878 73,800 75,692 76,223
Total shareholders’ equity 7,180 6,865 6,596 6,327 6,124
STATEMENT OF INCOME
Net earnings applicable to common shareholders $ 262 $ 221 $ 243 $ 169 $ 200
Net interest income 683 672 648 624 627
Taxable-equivalent net interest income 2 694 683 661 635 639
Total noninterest income 208 189 190 171 193
Total noninterest expense 546 527 527 538 509
Pre-provision net revenue 2 356 345 324 268 323
Adjusted pre-provision net revenue 2 331 352 316 267 312
Provision for credit losses 6 49 (1) 18 41
SHARE AND PER COMMON SHARE AMOUNTS
Net earnings per diluted common share $ 1.76 $ 1.48 $ 1.63 $ 1.13 $ 1.34
Dividends 0.45 0.45 0.43 0.43 0.43
Book value per common share 1 48.18 46.05 44.24 42.43 40.97
Tangible book value per common share 1, 2 40.79 38.64 36.81 34.95 33.85
Weighted average share price 54.24 55.42 46.72 53.64 54.60
Weighted average diluted common shares outstanding (in thousands) 147,120 147,125 147,053 147,387 147,329
Common shares outstanding (in thousands) 1 147,653 147,640 147,603 147,567 147,871
SELECTED RATIOS AND OTHER DATA
Return on average assets 1.16 % 0.99 % 1.09 % 0.77 % 0.96 %
Return on average common equity 14.9 % 13.3 % 15.3 % 11.1 % 13.2 %
Return on average tangible common equity 2 17.9 % 16.0 % 18.7 % 13.4 % 16.0 %
Net interest margin 3.31 % 3.28 % 3.17 % 3.10 % 3.05 %
Cost of deposits 1.56 % 1.67 % 1.68 % 1.76 % 1.93 %
Efficiency ratio 2 62.3 % 59.6 % 62.2 % 66.6 % 62.0 %
Effective tax rate 3 22.4 % 22.1 % 21.8 % 28.9 % 20.0 %
Ratio of nonperforming assets to loans and leases and other real estate owned 0.52 % 0.54 % 0.51 % 0.51 % 0.50 %
Annualized ratio of net loan and lease charge-offs to average loans 0.05 % 0.37 % 0.07 % 0.11 % 0.24 %
Ratio of total allowance for credit losses to loans and leases outstanding 1 1.19 % 1.20 % 1.20 % 1.24 % 1.25 %
Full-time equivalent employees 9,195 9,286 9,440 9,392 9,406
CAPITAL RATIOS AND DATA 1
Tangible common equity ratio 2 6.9 % 6.5 % 6.2 % 5.9 % 5.7 %
Common equity tier 1 capital 4 $ 7,936 $ 7,734 $ 7,570 $ 7,379 $ 7,363
Risk-weighted assets 4 $ 69,169 $ 68,648 $ 69,026 $ 68,132 $ 67,685
Common equity tier 1 capital ratio 4 11.5 % 11.3 % 11.0 % 10.8 % 10.9 %
Tier 1 risk-based capital ratio 4 11.6 % 11.4 % 11.1 % 10.9 % 11.0 %
Total risk-based capital ratio 4 13.8 % 13.7 % 13.4 % 13.3 % 13.3 %
Tier 1 leverage ratio 4 9.0 % 8.8 % 8.5 % 8.4 % 8.3 %

1 At period end.

2 For information on non-GAAP financial measures, see pages 18-21.

3 The increase in the effective tax rate at March 31, 2025 was the result of a revaluation of deferred tax assets due to newly enacted state tax legislation.

4 Current period ratios and amounts represent estimates.

ZIONS BANCORPORATION, N.A.

Press Release – Page 10

CONSOLIDATED BALANCE SHEETS

(In millions, shares in thousands) December 31,<br>2025 September 30,<br>2025 June 30,<br>2025 March 31,<br>2025 December 31,<br>2024
(Unaudited) (Unaudited) (Unaudited) (Unaudited)
ASSETS
Cash and due from banks $ 683 $ 771 $ 780 $ 833 $ 651
Money market investments:
Interest-bearing deposits 2,202 2,395 1,781 1,980 2,850
Federal funds sold and securities purchased under agreements to resell 1,420 1,008 1,140 936 1,453
Trading securities, at fair value 64 134 180 64 35
Investment securities:
Available-for-sale, at fair value 9,207 9,170 9,116 9,223 9,095
Held-to-maturity 1, at amortized cost 8,867 9,059 9,272 9,481 9,669
Total investment securities, net of allowance 18,074 18,229 18,388 18,704 18,764
Loans held for sale 2 201 215 172 112 74
Loans and leases, net of unearned income and fees 60,917 60,302 60,833 59,941 59,410
Allowance for loan and lease losses 678 679 690 697 696
Loans held for investment, net of allowance 60,239 59,623 60,143 59,244 58,714
Other noninterest-bearing investments 1,076 1,098 1,182 1,045 1,020
Premises, equipment, and software, net 1,363 1,358 1,361 1,362 1,366
Goodwill and intangibles 1,091 1,094 1,096 1,104 1,052
Other real estate owned 5 5 5 2 1
Other assets 2,572 2,603 2,665 2,606 2,795
Total assets $ 88,990 $ 88,533 $ 88,893 $ 87,992 $ 88,775
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits:
Noninterest-bearing demand $ 25,823 $ 26,133 $ 25,413 $ 24,792 $ 24,704
Interest-bearing:
Savings and money market 39,914 38,689 38,254 39,860 40,037
Time 9,907 10,056 10,133 11,040 11,482
Total deposits 75,644 74,878 73,800 75,692 76,223
Federal funds and other short-term borrowings 3,104 3,757 6,072 3,476 3,832
Long-term debt 1,472 1,473 970 964 950
Reserve for unfunded lending commitments 46 46 42 46 45
Other liabilities 1,544 1,514 1,413 1,487 1,601
Total liabilities 81,810 81,668 82,297 81,665 82,651
Shareholders’ equity:
Preferred stock, without par value; authorized 4,400 shares 66 66 66 66 66
Common stock 3 ($0.001 par value; authorized 350,000 shares) and additional paid-in capital 1,726 1,721 1,713 1,706 1,737
Retained earnings 7,329 7,134 6,981 6,805 6,701
Accumulated other comprehensive income (loss) (1,941) (2,056) (2,164) (2,250) (2,380)
Total shareholders’ equity 7,180 6,865 6,596 6,327 6,124
Total liabilities and shareholders’ equity $ 88,990 $ 88,533 $ 88,893 $ 87,992 $ 88,775
1 Held-to-maturity (fair value) $ 8,940 $ 9,106 $ 9,229 $ 9,400 $ 9,382
2 Loans held for sale (carried at fair value) 72 126 100 62 25
3 Common shares (issued and outstanding) 147,653 147,640 147,603 147,567 147,871

ZIONS BANCORPORATION, N.A.

Press Release – Page 11

CONSOLIDATED STATEMENTS OF INCOME

(Unaudited) Three Months Ended
(In millions, except share and per share amounts) December 31,<br>2025 September 30,<br>2025 June 30,<br>2025 March 31,<br>2025 December 31,<br>2024
Interest income:
Interest and fees on loans $ 878 $ 898 $ 875 $ 850 $ 873
Interest on money market investments 42 41 50 53 60
Interest on securities 121 125 126 125 129
Total interest income 1,041 1,064 1,051 1,028 1,062
Interest expense:
Interest on deposits 299 313 312 326 371
Interest on short- and long-term borrowings 59 79 91 78 64
Total interest expense 358 392 403 404 435
Net interest income 683 672 648 624 627
Provision for credit losses:
Provision for loan and lease losses 6 45 3 17 38
Provision for unfunded lending commitments — 4 (4) 1 3
Total provision for credit losses 6 49 (1) 18 41
Net interest income after provision for credit losses 677 623 649 606 586
Noninterest income:
Commercial account fees 47 47 46 45 47
Card fees 24 24 24 23 24
Retail and business banking fees 20 19 19 17 17
Loan-related fees and income 19 20 19 17 20
Capital markets fees and income 37 24 28 27 40
Wealth management fees 14 14 14 15 14
Other customer-related fees 16 15 14 14 14
Customer-related noninterest income 177 163 164 158 176
Dividends and other income 10 15 12 7 9
Securities gains (losses), net 21 11 14 6 8
Total noninterest income 208 189 190 171 193
Noninterest expense:
Salaries and employee benefits 335 337 336 342 321
Technology, telecom, and information processing 71 70 65 70 66
Occupancy and equipment, net 43 42 40 41 42
Professional and legal services 21 14 13 13 17
Marketing and business development 30 11 12 11 10
Deposit insurance and regulatory expense 6 16 20 22 17
Credit-related expense 7 6 6 6 6
Other real estate expense, net (2) — — — —
Other 35 31 35 33 30
Total noninterest expense 546 527 527 538 509
Income before income taxes 339 285 312 239 270
Income taxes 76 63 68 69 54
Net income 263 222 244 170 216
Preferred stock dividends (1) (1) (1) (1) (10)
Preferred stock redemption — — — — (6)
Net earnings applicable to common shareholders $ 262 $ 221 $ 243 $ 169 $ 200
Weighted average common shares outstanding during the period:
Basic shares (in thousands) 147,054 147,045 147,044 147,321 147,247
Diluted shares (in thousands) 147,120 147,125 147,053 147,387 147,329
Net earnings per common share:
Basic $ 1.76 $ 1.48 $ 1.63 $ 1.13 $ 1.34
Diluted 1.76 1.48 1.63 1.13 1.34

ZIONS BANCORPORATION, N.A.

Press Release – Page 12

CONSOLIDATED STATEMENTS OF INCOME

(Unaudited) Twelve Months Ended<br>December 31, 2025
(In millions, except share and per share amounts) 2025 2024
Interest income:
Interest and fees on loans $ 3,501 $ 3,514
Interest on money market investments 186 230
Interest on securities 497 549
Total interest income 4,184 4,293
Interest expense:
Interest on deposits 1,250 1,540
Interest on short- and long-term borrowings 307 323
Total interest expense 1,557 1,863
Net interest income 2,627 2,430
Provision for credit losses:
Provision for loan losses 71 72
Provision for unfunded lending commitments 1 —
Total provision for credit losses 72 72
Net interest income after provision for credit losses 2,555 2,358
Noninterest income:
Commercial account fees 185 182
Card fees 95 96
Retail and business banking fees 75 67
Loan-related fees and income 75 70
Capital markets fees and income 116 110
Wealth management fees 57 58
Other customer-related fees 59 56
Customer-related noninterest income 662 639
Dividends and other income 44 42
Securities gains (losses), net 52 19
Total noninterest income 758 700
Noninterest expense:
Salaries and employee benefits 1,350 1,287
Technology, telecom, and information processing 276 260
Occupancy and equipment, net 166 161
Professional and legal services 61 64
Marketing and business development 64 45
Deposit insurance and regulatory expense 64 91
Credit-related expense 25 25
Other real estate expense, net (2) (1)
Other 134 114
Total noninterest expense 2,138 2,046
Income before income taxes 1,175 1,012
Income taxes 276 228
Net income 899 784
Preferred stock dividends (4) (41)
Preferred stock redemption — (6)
Net earnings applicable to common shareholders $ 895 $ 737
Weighted average common shares outstanding during the year:
Basic shares (in thousands) 147,115 147,210
Diluted shares (in thousands) 147,157 147,215
Net earnings per common share:
Basic $ 6.01 $ 4.95
Diluted 6.01 4.95

ZIONS BANCORPORATION, N.A.

Press Release – Page 13

Loan Balances Held for Investment by Portfolio Type

(Unaudited)

(In millions) December 31,<br>2025 September 30,<br>2025 June 30,<br>2025 March 31,<br>2025 December 31,<br>2024
Commercial:
Commercial and industrial $ 17,761 $ 17,222 $ 17,526 $ 16,900 $ 16,891
Owner occupied 9,274 9,267 9,377 9,321 9,333
Municipal 4,294 4,341 4,376 4,412 4,364
Leasing 367 349 367 377 377
Total commercial 31,696 31,179 31,646 31,010 30,965
Commercial real estate:
Term 11,234 11,008 11,186 10,878 10,703
Construction and land development 2,162 2,469 2,425 2,715 2,774
Total commercial real estate 13,396 13,477 13,611 13,593 13,477
Consumer:
1-4 family residential 10,462 10,423 10,431 10,312 9,939
Home equity credit line 3,950 3,848 3,784 3,670 3,641
Construction and other consumer real estate 782 769 743 762 810
Bankcard and other revolving plans 515 477 496 472 457
Other 116 129 122 122 121
Total consumer 15,825 15,646 15,576 15,338 14,968
Total loans and leases $ 60,917 $ 60,302 $ 60,833 $ 59,941 $ 59,410

Nonperforming Assets

(Unaudited)

(In millions) December 31,<br>2025 September 30,<br>2025 June 30,<br>2025 March 31,<br>2025 December 31,<br>2024
Nonaccrual loans 1 $ 315 $ 319 $ 308 $ 305 $ 297
Other real estate owned 2 5 5 5 2 1
Total nonperforming assets $ 320 $ 324 $ 313 $ 307 $ 298
Ratio of nonperforming assets to loans 1 and leases and other real estate owned 2 0.52 % 0.54 % 0.51 % 0.51 % 0.50 %
Accruing loans past due 90 days or more $ 5 $ 5 $ 4 $ 13 $ 18
Ratio of accruing loans past due 90 days or more to loans1 and leases 0.01 % 0.01 % 0.01 % 0.02 % 0.03 %
Nonaccrual loans and accruing loans past due 90 days or more $ 320 $ 324 $ 312 $ 318 $ 315
Ratio of nonperforming assets 1 and accruing loans 90 days or more past due to loans and leases and other real estate owned 0.53 % 0.54 % 0.52 % 0.53 % 0.53 %
Accruing loans past due 30-89 days $ 96 $ 69 $ 57 $ 105 $ 57
Classified loans 2,380 2,415 2,697 2,891 2,870
Ratio of classified loans to total loans and leases 3.91 % 4.00 % 4.43 % 4.82 % 4.83 %

1 Includes loans held for sale.

2 Does not include banking premises held for sale.

ZIONS BANCORPORATION, N.A.

Press Release – Page 14

Allowance for Credit Losses

(Unaudited)

Three Months Ended
(In millions) December 31,<br>2025 September 30,<br>2025 June 30,<br>2025 March 31,<br>2025 December 31,<br>2024
Allowance for Loan and Lease Losses
Balance at beginning of period $ 679 $ 690 $ 697 $ 696 $ 694
Provision for loan losses 6 45 3 17 38
Loan and lease charge-offs 15 67 16 24 41
Less: Recoveries 8 11 6 8 5
Net loan and lease charge-offs (recoveries) 7 56 10 16 36
Balance at end of period $ 678 $ 679 $ 690 $ 697 $ 696
Ratio of allowance for loan losses to loans 1 and leases, at period end 1.11 % 1.13 % 1.13 % 1.16 % 1.17 %
Ratio of allowance for loan losses to nonaccrual loans1 at period end 215 % 213 % 224 % 229 % 234 %
Annualized ratio of net loan and lease charge-offs (recoveries) to average loans 0.05 % 0.37 % 0.07 % 0.11 % 0.24 %
Reserve for Unfunded Lending Commitments
Balance at beginning of period $ 46 $ 42 $ 46 $ 45 $ 42
Provision for unfunded lending commitments — 4 (4) 1 3
Balance at end of period $ 46 $ 46 $ 42 $ 46 $ 45
Allowance for Credit Losses
Allowance for loan losses $ 678 $ 679 $ 690 $ 697 $ 696
Reserve for unfunded lending commitments 46 46 42 46 45
Total allowance for credit losses $ 724 $ 725 $ 732 $ 743 $ 741
Ratio of ACL to loans 1 and leases outstanding, at period end 1.19 % 1.20 % 1.20 % 1.24 % 1.25 %

1 Does not include loans held for sale.

ZIONS BANCORPORATION, N.A.

Press Release – Page 15

Nonaccrual Loans by Portfolio Type

(Unaudited)

(In millions) December 31,<br>2025 September 30,<br>2025 June 30,<br>2025 March 31,<br>2025 December 31,<br>2024
Commercial:
Commercial and industrial $ 90 $ 107 $ 113 $ 121 $ 114
Owner occupied 51 40 39 25 31
Municipal 2 2 5 10 11
Leasing 3 4 2 2 2
Total commercial 146 153 159 158 158
Commercial real estate:
Term 72 70 60 58 59
Construction and land development 1 — — — —
Total commercial real estate 73 70 60 58 59
Consumer:
1-4 family residential 65 63 58 56 49
Home equity credit line 30 32 30 32 30
Bankcard and other revolving plans 1 1 1 1 1
Other — — — — —
Total consumer 96 96 89 89 80
Total nonaccrual loans $ 315 $ 319 $ 308 $ 305 $ 297

Net Charge-Offs by Portfolio Type

(Unaudited)

(In millions) December 31,<br>2025 September 30,<br>2025 June 30,<br>2025 March 31,<br>2025 December 31,<br>2024
Commercial:
Commercial and industrial $ 8 $ 50 $ 8 $ 13 $ 35
Owner occupied — (1) (1) (1) (1)
Municipal — 3 — — —
Total commercial 8 52 7 12 34
Commercial real estate:
Term (3) 2 1 — —
Total commercial real estate (3) 2 1 — —
Consumer:
1-4 family residential (1) — 1 1 —
Bankcard and other revolving plans 2 1 1 2 2
Other 1 1 — 1 —
Total consumer loans 2 2 2 4 2
Total net charge-offs (recoveries) $ 7 $ 56 $ 10 $ 16 $ 36

ZIONS BANCORPORATION, N.A.

Press Release – Page 16

CONSOLIDATED AVERAGE BALANCE SHEETS, YIELDS AND RATES

(Unaudited) Three Months Ended
December 31, 2025 September 30, 2025 December 31, 2024
(In millions) Average balance Yield/<br><br>Rate 1 Average balance Yield/<br><br>Rate 1 Average balance Yield/<br><br>Rate 1
ASSETS
Money market investments:
Interest-bearing deposits $ 1,925 4.03 % $ 1,582 4.42 % $ 2,059 4.87 %
Federal funds sold and securities purchased under agreements to resell 2,027 4.43 % 1,940 4.87 % 2,698 5.10 %
Total money market investments 3,952 4.23 % 3,522 4.67 % 4,757 5.00 %
Trading securities 102 4.42 % 83 4.63 % 40 4.37 %
Investment securities:
Available-for-sale 9,163 3.14 % 9,078 3.28 % 9,310 3.26 %
Held-to-maturity 8,960 2.17 % 9,143 2.19 % 9,739 2.22 %
Total investment securities 18,123 2.66 % 18,221 2.73 % 19,049 2.73 %
Loans held for sale 296 NM 171 NM 76 NM
Loans and leases: 2
Commercial 31,574 5.81 % 31,558 5.97 % 31,020 5.89 %
Commercial real estate 13,471 6.38 % 13,611 6.64 % 13,514 6.86 %
Consumer 15,743 5.12 % 15,617 5.16 % 14,781 5.10 %
Total loans and leases 60,788 5.76 % 60,786 5.91 % 59,315 5.92 %
Total interest-earning assets 83,261 5.01 % 82,783 5.16 % 83,237 5.13 %
Cash and due from banks 753 702 751
Allowance for credit losses on loans and debt securities (677) (687) (674)
Goodwill and intangibles 1,093 1,095 1,053
Other assets 5,207 5,262 5,202
Total assets $ 89,637 $ 89,155 $ 89,569
LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing deposits:
Savings and money market $ 39,245 2.07 % $ 39,252 2.18 % $ 39,765 2.37 %
Time 10,172 3.69 % 10,129 3.81 % 11,780 4.54 %
Total interest-bearing deposits 49,417 2.40 % 49,381 2.51 % 51,545 2.87 %
Borrowed funds:
Federal funds purchased and security repurchase agreements 636 3.86 % 665 4.28 % 1,251 4.64 %
Other short-term borrowings 2,850 4.27 % 4,731 4.48 % 3,114 4.72 %
Long-term debt 1,474 5.90 % 1,210 6.13 % 767 6.32 %
Total borrowed funds 4,960 4.70 % 6,606 4.76 % 5,132 4.94 %
Total interest-bearing liabilities 54,377 2.61 % 55,987 2.78 % 56,677 3.05 %
Noninterest-bearing demand deposits 26,583 24,922 24,858
Other liabilities 1,655 1,564 1,623
Total liabilities 82,615 82,473 83,158
Shareholders’ equity:
Preferred equity 66 66 375
Common equity 6,956 6,616 6,036
Total shareholders’ equity 7,022 6,682 6,411
Total liabilities and shareholders’ equity $ 89,637 $ 89,155 $ 89,569
Spread on average interest-bearing funds 2.40 % 2.38 % 2.08 %
Impact of net noninterest-bearing sources of funds 0.91 % 0.90 % 0.97 %
Net interest margin 3.31 % 3.28 % 3.05 %
Memo: total cost of deposits $ 76,000 1.56 % $ 74,303 1.67 % $ 76,403 1.93 %
Memo: total deposits and interest-bearing liabilities $ 80,960 1.76 % $ 80,909 1.92 % $ 81,535 2.12 %

1 Taxable-equivalent rates used where applicable.

2 Net of unamortized purchase premiums, discounts, and deferred loan fees and costs.

ZIONS BANCORPORATION, N.A.

Press Release – Page 17

CONSOLIDATED AVERAGE BALANCE SHEETS, YIELDS AND RATES

(Unaudited) Twelve Months Ended
December 31, 2025 December 31, 2024 December 31, 2023
(In millions) Average balance Yield/<br><br>Rate 1 Average balance Yield/<br><br>Rate 1 Average balance Average<br>yield/rate 1
ASSETS
Money market investments:
Interest-bearing deposits $ 1,671 4.37 % $ 1,970 5.40 % $ 2,163 5.18 %
Federal funds sold and securities purchased under agreements to resell 2,420 4.70 % 2,203 5.62 % 1,358 5.57 %
Total money market investments 4,091 4.56 % 4,173 5.52 % 3,521 5.33 %
Trading securities 114 4.62 % 36 4.41 % 53 2.86 %
Investment securities:
Available-for-sale 9,109 3.24 % 9,621 3.46 % 10,900 3.03 %
Held-to-maturity 9,250 2.21 % 10,017 2.23 % 10,731 2.24 %
Total investment securities 18,359 2.72 % 19,638 2.83 % 21,631 2.64 %
Loans held for sale 168 NM 70 NM 39 NM
Loans and leases: 2
Commercial 31,389 5.88 % 30,671 6.01 % 30,519 5.50 %
Commercial real estate 13,562 6.55 % 13,532 7.14 % 13,023 6.98 %
Consumer 15,470 5.14 % 14,344 5.14 % 13,198 4.84 %
Total loans and leases 60,421 5.84 % 58,547 6.06 % 56,740 5.69 %
Total interest-earning assets 83,153 5.09 % 82,464 5.26 % 81,984 4.86 %
Cash and due from banks 715 714 662
Allowance for credit losses on loans and debt securities (687) (689) (632)
Goodwill and intangibles 1,084 1,055 1,062
Other assets 5,289 5,279 5,579
Total assets $ 89,554 $ 88,823 $ 88,655
LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing deposits:
Savings and money market $ 39,253 2.14 % $ 38,796 2.63 % $ 34,135 1.90 %
Time 10,493 3.89 % 10,898 4.75 % 9,028 4.58 %
Total interest-bearing deposits 49,746 2.51 % 49,694 3.10 % 43,163 2.46 %
Borrowed funds:
Federal funds purchased and security repurchase agreements 1,117 4.28 % 1,309 5.19 % 3,380 4.98 %
Other short-term borrowings 4,223 4.46 % 4,458 4.90 % 4,741 5.08 %
Long-term debt 1,153 6.16 % 600 6.07 % 592 6.09 %
Total borrowed funds 6,493 4.73 % 6,367 5.07 % 8,713 5.11 %
Total interest-bearing funds 56,239 2.77 % 56,061 3.32 % 51,876 2.91 %
Noninterest-bearing demand deposits 25,127 25,066 29,703
Other liabilities 1,592 1,643 1,797
Total liabilities 82,958 82,770 83,376
Shareholders’ equity:
Preferred equity 66 423 440
Common equity 6,530 5,630 4,839
Total shareholders’ equity 6,596 6,053 5,279
Total liabilities and shareholders’ equity $ 89,554 $ 88,823 $ 88,655
Spread on average interest-bearing funds 2.32 % 1.94 % 1.95 %
Impact of net noninterest-bearing sources of funds 0.89 % 1.06 % 1.07 %
Net interest margin 3.21 % 3.00 % 3.02 %
Memo: total cost of deposits $ 74,873 1.67 % $ 74,760 2.06 % $ 72,866 1.46 %
Memo: total deposits and interest-bearing liabilities $ 81,366 1.92 % $ 81,127 2.28 % $ 81,579 1.87 %

1 Taxable-equivalent rates used where applicable.

2 Net of unamortized purchase premiums, discounts, and deferred loan fees and costs.

ZIONS BANCORPORATION, N.A.

Press Release – Page 18

NON-GAAP FINANCIAL MEASURES

(Unaudited)

This press release includes certain non-GAAP financial measures alongside those prepared in accordance with generally accepted accounting principles (“GAAP”). Reconciliations between the applicable GAAP measures and the corresponding non-GAAP measures are provided in the accompanying schedules. We believe these adjustments are relevant to evaluating ongoing operating results and offer a meaningful basis for comparing performance across periods. Management uses these non-GAAP measures to assess both financial performance and position. Presenting these measures enables investors to evaluate our results using the same approach applied by management and commonly used within the financial services industry.

Non-GAAP financial measures have inherent limitations and may not be directly comparable to similar measures reported by other financial institutions. While these measures are commonly used by stakeholders to evaluate company performance, they should be viewed as supplemental and not as a substitute for analysis of results prepared in accordance with GAAP. Non-GAAP measures should not be considered in isolation, as they provide an incomplete perspective without reference to GAAP-based financial information.

Tangible Common Equity and Related Measures

Tangible common equity and related metrics are non-GAAP measures that exclude the impact of intangible assets and associated amortization. We believe these measures provide meaningful insight into the utilization of shareholders’ equity and offer a consistent basis for evaluating business performance.

RETURN ON AVERAGE TANGIBLE COMMON EQUITY (NON-GAAP)

Three Months Ended
(Dollar amounts in millions) December 31,<br>2025 September 30,<br>2025 June 30,<br>2025 March 31,<br>2025 December 31,<br>2024
Net earnings applicable to common shareholders (GAAP) $ 262 $ 221 $ 243 $ 169 $ 200
Adjustments, net of tax:
Amortization of core deposit and other intangibles 2 2 2 1 1
Adjusted net earnings applicable to common shareholders, net of tax (a) $ 264 $ 223 $ 245 $ 170 $ 201
Average common equity (GAAP) $ 6,956 $ 6,616 $ 6,357 $ 6,182 $ 6,036
Average goodwill and intangibles (1,093) (1,095) (1,097) (1,052) (1,053)
Average tangible common equity (non-GAAP) (b) $ 5,863 $ 5,521 $ 5,260 $ 5,130 $ 4,983
Number of days in quarter (c) 92 92 91 90 92
Number of days in year (d) 365 365 365 365 366
Return on average tangible common equity (non-GAAP) 1 (a/b/c)*d 17.9 % 16.0 % 18.7 % 13.4 % 16.0 %

1 Excluding the effect of AOCI from average tangible common equity would result in associated returns of 13.3%, 11.5%, 13.1%, 9.2%, and 10.9% for the respective periods presented.

ZIONS BANCORPORATION, N.A.

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TANGIBLE EQUITY RATIO, TANGIBLE COMMON EQUITY RATIO, AND TANGIBLE BOOK VALUE PER COMMON SHARE (ALL NON-GAAP MEASURES)

(Dollar amounts in millions, except per share amounts) December 31,<br>2025 September 30,<br>2025 June 30,<br>2025 March 31,<br>2025 December 31,<br>2024
Total shareholders’ equity (GAAP) $ 7,180 $ 6,865 $ 6,596 $ 6,327 $ 6,124
Goodwill and intangibles (1,091) (1,094) (1,096) (1,104) (1,052)
Tangible equity (non-GAAP) (a) 6,089 5,771 5,500 5,223 5,072
Preferred stock (66) (66) (66) (66) (66)
Tangible common equity (non-GAAP) (b) $ 6,023 $ 5,705 $ 5,434 $ 5,157 $ 5,006
Total assets (GAAP) $ 88,990 $ 88,533 $ 88,893 $ 87,992 $ 88,775
Goodwill and intangibles (1,091) (1,094) (1,096) (1,104) (1,052)
Tangible assets (non-GAAP) (c) $ 87,899 $ 87,439 $ 87,797 $ 86,888 $ 87,723
Common shares outstanding (in thousands) (d) 147,653 147,640 147,603 147,567 147,871
Tangible equity ratio (non-GAAP) (a/c) 6.9 % 6.6 % 6.3 % 6.0 % 5.8 %
Tangible common equity ratio (non-GAAP) (b/c) 6.9 % 6.5 % 6.2 % 5.9 % 5.7 %
Tangible book value per common share (non-GAAP) (b/d) $ 40.79 $ 38.64 $ 36.81 $ 34.95 $ 33.85

Efficiency Ratio and Adjusted Pre-Provision Net Revenue

The efficiency ratio measures operating expenses relative to revenue and provides insight into the cost of generating revenue. We adjust this ratio to exclude certain items that are not generally expected to recur frequently, as detailed in the accompanying schedule. These adjustments enhance comparability across reporting periods. Adjusted noninterest expense reflects how effectively we manage operating expenses, while adjusted pre-provision net revenue enables management and stakeholders to evaluate our capacity to generate capital. Additionally, taxable-equivalent net interest income facilitates comparability between revenue derived from taxable and tax-exempt sources.

ZIONS BANCORPORATION, N.A.

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EFFICIENCY RATIO (NON-GAAP) AND ADJUSTED PRE-PROVISION NET REVENUE (NON-GAAP)

Three Months Ended
(Dollar amounts in millions) December 31,<br>2025 September 30,<br>2025 June 30,<br>2025 March 31,<br>2025 December 31,<br>2024
Noninterest expense (GAAP) (a) $ 546 $ 527 $ 527 $ 538 $ 509
Adjustments:
Severance costs 5 6 2 3 1
Other real estate expense, net (2) — — — —
Amortization of core deposit and other intangibles 2 2 2 2 2
SBIC investment success fee accrual 2 1 2 — —
FDIC special assessment (9) (2) — — (3)
Total adjustments (b) (2) 7 6 5 —
Adjusted noninterest expense (non-GAAP) (c)=(a-b) $ 548 $ 520 $ 521 $ 533 $ 509
Net interest income (GAAP) (d) $ 683 $ 672 $ 648 $ 624 $ 627
Fully taxable-equivalent adjustments (e) 11 11 13 11 12
Taxable-equivalent net interest income (non-GAAP) (f)=(d+e) 694 683 661 635 639
Customer-related noninterest income (GAAP) (g) 177 163 164 158 176
Net credit valuation adjustment (CVA) 1 (h) 2 (11) — — 3
Adjusted customer-related noninterest income <br>(non-GAAP) (i)=(g-h) 175 174 164 158 173
Noncustomer-related noninterest income (GAAP) (j) 31 26 26 13 17
Securities gains (losses), net (k) 21 11 14 6 8
Adjusted noncustomer-related noninterest income (non-GAAP) (l)=(j-k) 10 15 12 7 9
Combined income (non-GAAP) (m)=(f+g+j) $ 902 $ 872 $ 851 $ 806 $ 832
Adjusted taxable-equivalent revenue (non-GAAP) (n)=(f+i+l) 879 872 837 800 821
Pre-provision net revenue (PPNR) (non-GAAP) (m)-(a) $ 356 $ 345 $ 324 $ 268 $ 323
Adjusted PPNR (non-GAAP) (n)-(c) 331 352 316 267 312
Efficiency ratio (non-GAAP) 2 (c/n) 62.3 % 59.6 % 62.2 % 66.6 % 62.0 %

1 Effective the first quarter of 2025, net CVA is included in capital markets fees and income.

2 Excluding the $15 million charitable contribution, adjusted noninterest expense for the three months ended December 31, 2025 would have been $533 million, resulting in an efficiency ratio of 60.6%.

ZIONS BANCORPORATION, N.A.

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EFFICIENCY RATIO (NON-GAAP) AND ADJUSTED PRE-PROVISION NET REVENUE (NON-GAAP)

Twelve Months Ended
(Dollar amounts in millions) December 31,<br>2025 December 31,<br>2024
Noninterest expense (GAAP) (a) $ 2,138 $ 2,046
Adjustments:
Severance costs 16 3
Other real estate expense (2) (1)
Amortization of core deposit and other intangibles 8 7
SBIC investment success fee accrual 5 1
FDIC special assessment (11) 11
Total adjustments (b) 16 21
Adjusted noninterest expense (non-GAAP) (c)=(a-b) $ 2,122 $ 2,025
Net interest income (GAAP) (d) $ 2,627 $ 2,430
Fully taxable-equivalent adjustments (e) 46 45
Taxable-equivalent net interest income (non-GAAP) (f)=(d+e) 2,673 2,475
Customer-related noninterest income (GAAP) (g) 662 639
Net credit valuation adjustment (CVA) 1 (h) (9) —
Adjusted customer-related noninterest income (non-GAAP) (i)=(g-h) 671 639
Noncustomer-related noninterest income (GAAP) (j) 96 61
Securities gains (losses), net (k) 52 19
Adjusted noncustomer-related noninterest income (non-GAAP) (l)=(j-k) 44 42
Combined income (non-GAAP) (m)=(f+g+j) $ 3,431 $ 3,175
Adjusted taxable-equivalent revenue (non-GAAP) (n)=(f+i+l) 3,388 3,156
Pre-provision net revenue (PPNR) (non-GAAP) (m)-(a) $ 1,293 $ 1,129
Adjusted PPNR (non-GAAP) (n)-(c) 1,266 1,131
Efficiency ratio (non-GAAP) (c/n) 62.6 % 64.2 %

1 Effective the first quarter of 2025, net CVA is included in capital markets fees and income.

2 Excluding the $15 million charitable contribution, adjusted noninterest expense for the twelve months ended December 31, 2025 would have been $2.11 billion, resulting in an efficiency ratio of 62.2%.

earningspresentation-202

ZIONSFOURTH QUARTER 2025 J a n u a r y 2 0 , 2 0 2 6 Financial Review

FORWARD-LOOKING STATEMENTS; USE OF NON-GAAP FINANCIAL MEASURES 2 Forward-Looking Information This presentation contains “forward-looking statements” as defined under the Private Securities Litigation Reform Act of 1995. These statements reflect management’s current expectations and assumptions regarding future events and outcomes. However, they are inherently subject to known and unknown risks, uncertainties, and other factors that could cause actual results, performances, achievements, industry developments, or regulatory outcomes to differ materially from those expressed or implied. Forward-looking statements may include, among others: Statements concerning the beliefs, plans, objectives, goals, targets, commitments, designs, guidelines, expectations, anticipations, and future financial condition, operating results, and performance of Zions Bancorporation, National Association and its subsidiaries (collectively “Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” “us”); and statements preceded or followed by, or that include, terminology such as “may,” “might,” “can,” “continue,” “could,” “should,” “would,” “believe,” “anticipate,” “estimate,” “forecasts,” “expect,” “intend,” “target,” “commit,” “design,” “plan,” “projects,” “will,” or similar words and expressions, including their negative forms. Forward-looking statements are not guarantees and should not be relied upon as representing management’s views as of any subsequent date. Actual results and outcomes may differ materially from those presented. Although the following list is not comprehensive, key factors that may cause material differences include: The quality and composition of our loan and investment securities portfolios and the quality and composition of our deposits; Changes in general industry, political, and economic conditions, including increases in the national debt, elevated inflation, economic slowdowns or recessions, and other macroeconomic challenges; changes in interest and reference rates, which could negatively impact our revenues and expenses, the valuation and performance of our assets and liabilities, and the availability and cost of capital and liquidity; Political developments, including government shutdowns and other significant disruptions and changes in the funding, size, scope, and effectiveness of the government, its agencies and services; The effects of newly enacted and proposed regulations affecting us and the banking industry, as well as changes and uncertainties in the interpretation, enforcement, and applicability of laws and fiscal, monetary, regulatory, trade, and tax policies; Actions taken by governments, agencies, central banks, and similar organizations, including those that result in decreases in revenue, increases in regulatory bank fees, insurance assessments, and capital standards; and other regulatory requirements; Evolving trade policies and disputes, such as proposed and implemented tariffs and resulting market volatility and uncertainty, including the effects on supply chains, expenses and revenues for both us and our customers; Judicial, regulatory and administrative inquiries, investigations, examinations or proceedings and the outcomes thereof that create uncertainty for, or are adverse to, us or the banking industry; Changes in our credit ratings; Our ability to innovate and otherwise address competitive pressures and other factors that may affect aspects of our business, such as pricing, relevance of, and demand for, our products and services, and our ability to recruit and retain talent; The potential for both positive and disruptive impacts of emerging technologies, including stablecoins and other digital currencies, tokenized deposits, blockchain, artificial intelligence, quantum computing, and related innovations affecting both us and the banking industry; Our ability to complete projects and initiatives and execute our strategic plans, manage our risks, control compensation and other expenses, and achieve our business objectives; Our ability to develop and maintain technology and information security systems, along with effective controls designed to guard against fraud, cybersecurity, and privacy risks and related incidents, particularly given the accelerating pace at which threat actors are developing and deploying increasingly sophisticated and targeted tactics against the financial services industry; Our ability to provide adequate oversight of our suppliers to help us prevent or mitigate effects upon us and our customers of inadequate performance, systems failures, or cyber and other incidents by, or affecting, third parties upon whom we rely for the delivery of various products and services; The effects of wars, geopolitical conflicts, and other local, national, or international disasters, crises, or conflicts that may occur in the future; Natural disasters, pandemics, wildfires, catastrophic events, and other emergencies and incidents, and their impact on our and our customers’ operations, business, and communities, including the increasing difficulty in, and the expense of, obtaining property, auto, business, and other insurance products; Governmental and social responses to environmental, social, and governance issues, including those with respect to climate change and diversity; Securities and capital markets behavior, including volatility and changes in market liquidity and our ability to raise capital; The possibility that our recorded goodwill could become impaired, which may have an adverse impact on our earnings and shareholders’ equity; The impact of bank closures or adverse developments at other banks on general investor sentiment regarding the stability and liquidity of banks; Adverse news and other expressions of negative public opinion whether directed at us, other banks, the banking industry, or otherwise that may adversely affect our reputation and that of the banking industry generally; and Other assumptions, risks, or uncertainties described in this earnings release, and other SEC filings. We caution against the undue reliance on forward-looking statements, which reflect our views only as of their date of issuance. Except as required by law, we specifically disclaim any obligation to update any factors or publicly announce revisions to forward-looking statements to reflect future events or developments. Use of Non-GAAP Financial Measures: This document contains several references to non-GAAP measures, including but not limited to, pre-provision net revenue and the “efficiency ratio,” which are common industry terms used by investors and financial services analysts. Certain of these non-GAAP measures are key inputs into Zions’ management compensation and are used in Zions’ strategic goals that have been and may continue to be articulated to investors. Therefore, the use of such non-GAAP measures are believed by management to be of substantial interest to the consumers of these financial disclosures and are used prominently throughout the disclosures. A reconciliation of the difference between such measures and GAAP financials is provided within the document, and users of this document are encouraged to carefully review this reconciliation.

Fourth quarter results reflect continued margin expansion, customer deposit growth , and low levels of net charge-offs FINANCIAL PERFORMANCE 3 (1) See Appendix for non-GAAP financial measures. (2) Excludes brokered deposits. (3) Excluding the $15 million charitable contribution, the efficiency ratio for the three months ended December 31, 2025 would have been 60.6% and adjusted PPNR would have been $346 million. • Net earnings of $262 million, or $1.76 per share, grew 19% versus the prior quarter from improved revenue and lower provision • Improved earnings led to growth in the return on tangible common equity, which increased 190 basis points. • The net interest margin increased for the eighth straight quarter to 3.31% aided by favorable shift in balance sheet composition and growth • Adjusted pre-provision net revenue, which includes the $15 million donation, declined 6% versus prior quarter and increased 6% versus prior year • Average loans were stable versus prior quarter and grew 2.5% versus prior year • Average customer deposits grew 9.1% annualized versus prior quarter and 1.5% against prior year • Net charge-offs were 0.05% of loans, annualized Key Metrics (in millions, except ratios and per share data) 4Q25 3Q25 4Q24 Change From: 3Q25 4Q24 Net earnings to common $262 $221 $ 200 $41, or 19% $62, or 31% Diluted earnings per share (GAAP) $1.76 $1.48 $1.34 $0.28, or 19% $0.42, or 31% Net interest margin 3.31% 3.28% 3.05% 3 bps 26 bps Adjusted pre-provision net revenue1,3 $331 $352 $312 $(21), or (6)% $19, or 6% Efficiency ratio1,3 62.3% 59.6% 62.0% (270) bps 30 bps Average loans 60,788 60,786 59,315 0.0% Annualized 2.5% Average customer deposits2 72,004 70,382 70,949 9.1% Annualized 1.5% Net charge-offs / loans (annualized) 0.05% 0.37% 0.24% (32) bps (19) bps Return on average tangible common equity1 17.9% 16.0% 16.0% 190 bps 190 bps

Full-year results reflect improved profitability and continued book value accretion with earnings per share and tangible book value per share increasing 21%. FINANCIAL PERFORMANCE 4 (1) See Appendix for non-GAAP financial measures. (2) Excludes brokered deposits. (3) Excluding the $15 million charitable contribution, the efficiency ratio for the twelve months ended December 31, 2025 would have been 62.2% and adjusted PPNR would have been $1,281 million • Net earnings of $895 million, or $6.01 per share, grew 21% versus prior year • The net interest margin improved 21 basis points to 3.21% through customer growth and balance sheet remix • Adjusted pre-provision net revenue grew 12% versus prior year; adjusted revenues increased 7.4% versus adjusted expense growth of 4.8% • Average loans grew 3.2% from the prior year driven by growth in commercial and consumer lending • Average customer deposits grew slightly versus prior year • Net charge-offs were 5 basis points higher than the prior year Key Metrics (in millions, except ratios and per share data) FY25 FY24 Change From: FY24 Net earnings to common $ 895 $ 737 $158, or 21% Diluted earnings per share (GAAP) $6.01 $4.95 $1.06, or 21% Net interest margin 3.21% 3.00% 21 bps Adjusted pre-provision net revenue1 $1,266 $1,131 $135, or 12% Efficiency ratio1,3 62.6% 64.2% (160) bps Average loans 60,421 58,547 3.2% Average customer deposits2 70,581 69,947 0.9% Net charge-offs / loans (annualized) 0.15% 0.10% 5 bps Return on average tangible common equity1 16.6% 16.2% 40 bps

DILUTED EARNINGS PER SHARE 5 (1) Items that were $0.05 per share or more. Earnings per share increased by $0.28 compared to prior quarter given positive operating leverage and strong credit performance Diluted Earnings per Share EPS Impact of Provision for Credit Losses Notable Items1: 4Q25: • $(0.08) per share negative impact from $15 million charitable contribution • $0.06 per share positive impact from $11 million net unrealized gain due to valuation adjustments in the SBIC investment portfolio • $0.05 per share positive impact from a $9 million accrual reversal related to the FDIC special assessment 3Q25 • $(0.06) per share negative impact from $11 million net CVA loss, primarily driven by an update to our valuation methodology, in addition to changes in other market factors. 2Q25: • $0.05 per share positive impact from IPO of SBIC investment (FatPipe, Inc.) 1Q25: • $(0.11) per share negative impact from revaluation of deferred tax assets due to newly enacted state tax legislation $1.34 $1.13 $1.63 $1.48 $1.76 4Q24 1Q25 2Q25 3Q25 4Q25 $(0.21) $(0.09) $0.01 $(0.25) $(0.03) 4Q24 1Q25 2Q25 3Q25 4Q25

PRE-PROVISION NET REVENUE (“PPNR”) 6 (1) PPNR includes taxable-equivalent revenue; Adjusted PPNR adjusts for items such as severance costs, restructuring costs, amortization of other intangibles, SBIC investment success fee accruals, FDIC special assessment, securities gains (losses), and credit valuation adjustment income (loss). See Appendix. Adjusted PPNR decreased 6% versus the prior quarter and increased 6% over the prior year Linked quarter (4Q25 vs. 3Q25) • Adjusted PPNR decreased 6%: • Tax-equivalent net interest income up $11 million, or 2% • Adjusted customer-related fee income, which excludes CVA, up $1 million, or 0.5% • Adjusted noncustomer-related fee income, which excludes securities gains, down $5 million • Adjusted noninterest expense, which includes the $15 million charitable contribution, up $28 million Year-over-year (4Q25 vs. 4Q24) • Adjusted PPNR increased 6%: • Tax-equivalent net interest income up $55 million, or 9% • Adjusted customer-related fee income up $2 million, or 1% • Adjusted noncustomer-related fee income, up $1 million, or 1% • Adjusted noninterest expense up $39 million or 8% $ 3 2 3 $ 2 6 8 $ 3 2 4 $ 3 4 5 $ 3 5 6 $ 3 1 2 $ 2 6 7 $ 3 1 6 $ 3 5 2 $ 3 3 1 4Q24 1Q25 2Q25 3Q25 4Q25 Pre-provision net revenue (PPNR) (non-GAAP) Adjusted PPNR (non-GAAP) PPNR1 ($ millions)

NET INTEREST INCOME & NET INTEREST MARGIN 7 Net interest margin improved 3 basis points sequentially; net interest income increased for both the linked quarter and year-over-year $627 $624 $648 $672 $683 3.05% 3.10% 3.17% 3.28% 3.31% 2.70% 2.80% 2.90% 3.00% 3.10% 3.20% 3.30% 3.40% 3.50% $500 4Q24 1Q25 2Q25 3Q25 4Q25 Net Interest Income Net Interest Margin ($ m ill io n s ) Linked quarter (4Q25 vs. 3Q25) • Net interest income increased $11 million, or 2%: • Interest income decreased $23 million • $20 million, or 2%, decrease on loans • $3 million, or 2%, decrease on money market and securities • Interest expense decreased by $34 million • $14 million, or 4%, decrease on deposits • $20 million, or 25%, decrease on borrowings Year-over-year (4Q25 vs. 4Q24) • Net interest income increased $56 million, or 9%: • Interest income decreased $21 million, or 2% • $5 million, or 0.5%, increase on loans • $26 million, or 14%, decrease on money market and securities • Interest expense decreased $77 million, or 18% • $72 million, or 19%, decrease on deposits • $5 million, or 8%, decrease on borrowings

(0.13%) 0.01% 0.43% 0.02% (0.07%)3.05% 3.31% (0.02%) (0.13%) 0.03% 0.14% 0.01% 3.28% 3.31% NET INTEREST MARGIN 8 (1) The impact of noninterest-bearing sources of funds on the net interest margin is calculated as the difference between interest earning assets and interest-bearing liabilities divided by earnings assets multiplied by rate paid on interest-bearing liabilities. Improved funding mix and costs offset lower asset yields versus prior quarter; deposit repricing lifted margin over the year-ago quarter Year-Over-Year (4Q25 vs. 4Q24)Linked Quarter (4Q25 vs. 3Q25) Loans DepositsMoney Mkt & Securities Borrowings Free Funds1 Loans DepositsMoney Mkt & Securities Borrowings Free Funds1 4Q24 4Q253Q25 4Q25

NONINTEREST INCOME AND REVENUE 9 (1) Reflects total customer-related noninterest income, which excludes dividends and other income and net securities gains (losses). Adjusted excludes credit valuation adjustment income (loss). (2) Adjusted revenue is the sum of taxable-equivalent net interest income and noninterest income less adjustments. See Appendix for non-GAAP financial measures. (3) Effective 1Q25, customer-related fee income includes credit valuation adjustment income (loss) in capital markets fees, which was previously disclosed under noncustomer-related noninterest income. Prior period results have been reclassified for comparative purposes. See Appendix for non-GAAP financial measures. Adjusted customer-related fee income reached a new quarterly record high led by capital markets revenue Customer-Related Noninterest Income 1,3 ($ millions) $ 8 2 0 $ 7 9 5 $ 8 3 8 $ 8 6 1 $ 8 9 1 $ 8 2 1 $ 8 0 0 $ 8 3 7 $ 8 7 2 $ 8 7 9 4Q24 1Q25 2Q25 3Q25 4Q25 Total Revenue (GAAP) Adjusted Revenue (Non-GAAP) Total Revenue 2,3 ($ millions) $ 1 7 6 $ 1 5 8 $ 1 6 4 $ 1 6 3 $ 1 7 7 $ 1 7 3 $ 1 5 8 $ 1 6 4 $ 1 7 4 $ 1 7 5 4Q24 1Q25 2Q25 3Q25 4Q25 Customer-Related Noninterest Income Adjusted Customer-Related Noninterest Income

NONINTEREST EXPENSE 10 (1) Adjusted for severance costs, restructuring costs, SBIC investments success fee accruals, FDIC special assessment, intangibles amortization, and other real estate expense. (2) In addition to the expense adjustments from note 1, the efficiency ratio also includes adjustments to revenue for taxable-equivalent interest income, securities gains (losses), and credit valuation adjustment income (loss). See Appendix for Non-GAAP financial measures. Adjusted noninterest expense grew compared to the prior quarter due primarily to the charitable donation and investments in marketing Linked quarter (4Q25 vs. 3Q25) • Adjusted noninterest expense increased $28 million, or 5%, inclusive of the $15 million charitable contribution. Marketing, business development, and professional and legal services drove the increase, offset by lower deposit insurance and regulatory expense and lower salaries and benefits Year-over-year (4Q25 vs. 4Q24) • Adjusted noninterest expense increased $39 million, or 8%, driven primarily by higher salary and incentive compensation, and a donation to Zions’ charitable foundation Notable items: • 4Q25: $15 million charitable donation to Zions’ foundation • 4Q25: $2 million impact from success fee accrual associated with multiple SBIC investments • 2Q25: $2 million impact from success fee accrual associated with IPO of SBIC investment (FatPipe, Inc.) $ 5 0 9 $ 5 3 8 $ 5 2 7 $ 5 2 7 $ 5 4 6 $ 5 0 9 $ 5 3 3 $ 5 2 1 $ 5 2 0 $ 5 4 8 62.0% 66.6% 62.2% 59.6% 62.3% 4Q24 1Q25 2Q25 3Q25 4Q25 NIE (GAAP) Adjusted NIE (Non-GAAP) Efficiency Ratio ($ millions) Noninterest Expense (NIE) (1) (2)

$59.3 $59.6 $60.5 $60.8 $60.8 5.92% 5.84% 5.86% 5.91% 5.76% 4Q24 1Q25 2Q25 3Q25 4Q25 ($ billions) AVERAGE LOANS AND DEPOSITS 11 (1) Beta calculated using interest-bearing deposit spot rates on 8/31/24, and 12/31/25, which were 3.20% and 2.25%, respectively. Total cost of deposit spot rate at 12/31/25 was 1.48%. (2) The increase in average noninterest-bearing deposits includes the approximate $500 million migration of a consumer interest-bearing product into a new noninterest-bearing product in mid-May at our Nevada affiliate. The remaining affiliates migrated balances about $1 billion at the end of September which are fully reflected in average balances in fourth quarter reporting. Average yields on loans decreased 15 basis points versus prior quarter while total cost of deposits decreased 11 basis points Average Total Loans Yield on Total Loans Average Total Deposits Total Cost of Deposits $51.5 $50.7 $49.5 $49.4 $49.4 $24.9 $24.2 $24.7 $24.9 $26.6 $76.4 $74.9 $74.3 $74.3 $76.0 1.93% 1.76% 1.68% 1.67% 1.56% 4Q24 1Q25 2Q25 3Q25 4Q25 ($ billions) Average Noninterest-bearing Deposits Average Interest-bearing Deposits Total interest-bearing deposits reflect a 54% cumulative beta1

$71 $71 $70 $71 $72 $5 $5 $4 $4 $4 $5 $4 $7 $5 $5 - 10 20 30 40 50 60 70 80 90 100 4Q24 1Q25 2Q25 3Q25 4Q25 $71 $70 $70 $70 $72 $5 $5 $4 $4 $4 $5 $7 $8 $7 $5 2.12% 2.01% 1.97% 1.92% 1.76% 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 4.00% 4.50% - 10 20 30 40 50 60 70 80 90 100 4Q24 1Q25 2Q25 3Q25 4Q25 DEPOSIT BALANCE AND BORROWING TRENDS 12 Note: Deposit figures shown in graphs may not foot due to rounding. Ending and average customer deposits increased 1.1% and 2.3%, respectively, compared to prior quarter Q4 2025 total funding costs decreased 16 basis points compared to prior quarter • Period-end customer deposits grew $753 million (+1.1%) linked quarter • Brokered deposits were flat linked quarter • Short-term borrowings decreased $653 million (-17%) linked quarter Average Deposits and Borrowings ($ billions) Ending Deposits and Borrowings ($ billions)

TOTAL INVESTMENT SECURITIES & MONEY MARKET INVESTMENTS 13 The bank has strong on-balance sheet liquidity The investment securities portfolio is designed to be a storehouse of balance sheet liquidity • Principal and prepayment-related cash flows from investment securities were $554 million for the quarter, partially offset by reinvestment of $288 million • The composition of the investment securities portfolio allows for deep on-balance sheet liquidity through the repo market • Approximately 90% of investment securities are U.S. Government and U.S. Government Agency / GSE securities The investment securities portfolio is also used to balance interest rate risk • The estimated deposit duration at December 31, 2025, was assumed to be longer than the loan duration (including swaps); the investment securities portfolio balanced this mismatch • The estimated price sensitivity of the investment securities portfolio (including the impact of fair value hedges) was 3.8 years, compared to 3.7 years from the prior-year quarter Total Investment Securities and Money Market Investments (period-end balances) $18.8 $18.7 $18.4 $18.2 $18.1 $4.3 $2.9 $2.9 $3.4 $3.6 4Q24 1Q25 2Q25 3Q25 4Q25 Total Investment Securities Money Market Investments 28% 26% 26% 26% 26% % of earning assets ($ billions)

CREDIT QUALITY 14 Net charge-offs returned to low levels and criticized and classified balances continued to improve Key Credit Metrics • Net charge-offs relative to average loans: • 0.05% annualized in 4Q25 • 0.15% over the last 12 months • 0.52%: NPAs / loans + OREO • NPA balance decreased $4 million in 4Q25 from 3Q25 • 3.91%: Classified loans / total loans • Classified balance decreased $35 million in 4Q25 from 3Q25 • 4.70%: Criticized loans / total loans • Criticized balance decreased $1 million in 4Q25 from 3Q25 Allowance for Credit Losses • 1.19% of total loans and leases, relatively stable to the prior two quarters Credit Quality Ratios 5.87% 6.01% 5.39% 4.75% 4.70% 0.50% 0.51% 0.51% 0.54% 0.52% 4.83% 4.82% 4.43% 4.00% 3.91% 4Q24 1Q25 2Q25 3Q25 4Q25 Criticized / Loans NPAs / Loans + OREO Classified / Loans 234% 229% 224% 213% 215% 1.25% 1.24% 1.20% 1.20% 1.19% 4Q24 1Q25 2Q25 3Q25 4Q25 ALLL / Nonaccrual loans ACL / Loans

COMMERCIAL REAL ESTATE SUMMARY ($13.4 BILLION BALANCE) 15 Note: Loan to Value (LTV) calculations reflect the most current bank ordered / reviewed appraisal in the denominator and the current outstanding balance in the numerator. Appraisals and evaluations are performed in accordance with regulatory guidelines. Percentages shown in graphs may not foot due to rounding. The commercial real estate portfolio is granular and well diversified, 22% of total loans Term CRE ($11.2B) • Weighted average LTVs of < 60% • Maturity distribution over the next three years: 31% (2026), 17% (2027), 13% (2028) • Average & median loan size of $4.0 million & $1 million • 11.6% criticized; 10.2% classified; 0.6% nonaccrual; 0.4% delinquencies Construction and Land Development ($2.2B) • Land and acquisition & development less than 2.5% of CRE portfolio • 3.6% criticized; 3.0% classified; 0.0% nonaccrual; 0.06% delinquencies Office ($1.7B) • Weighted average LTVs (< 60%) • 75% suburban and 25% Central Business District • Average & median loan size of $4.5 million & <$1 million • 9.4% criticized; 9.3% classified; 4.0% nonaccrual; 1.0% delinquencies • $0.9 million net charge-offs in 2025 • 84% term, 16% construction • Portfolio growth has been carefully managed for over a decade through disciplined concentration limits • Granular portfolio with solid sponsor or guarantor support • Collateral diversified by property type and location • Net charge-offs for CRE in 2025 totaled $0.2 million; Net charge-offs since 2020 of $5.2 million Multifamily, 30% Industrial, 23%Office, 13% Retail, 12% Hospitality, 5% Residential Construction, 5% Other, 13% CRE Portfolio Composition As of Dec 31, 2025

9 .9 % 1 0 .0 % 1 0 .2 % 1 0 .3 % 1 0 .4 % 1 0 .6 % 1 0 .7 % 1 0 .9 % 1 0 .8 % 1 1 .0 % 1 1 .3 % 1 1 .5 % 1 1 .0 % 1 1 .1 % 1 1 .3 % 1 1 .3 % 1 1 .5 % 1 1 .6 % 1 1 .8 % 1 2 .0 % 1 1 .9 % 1 2 .0 % 1 2 .4 % 1 2 .5 % 0% 2% 4% 6% 8% 10% 12% 14% 1 Q 2 3 2 Q 2 3 3 Q 2 3 4 Q 2 3 1 Q 2 4 2 Q 2 4 3 Q 2 4 4 Q 2 4 1 Q 2 5 2 Q 2 5 3 Q 2 5 4 Q 2 5 Common Equity Tier 1 % ACL / Risk-weighted Assets CAPITAL STRENGTH 16 Loss-absorbing capital remains strong relative to our risk profile; low credit losses relative to capital levels as a percentage of risk-weighted assets Net Charge-offs annualized, as a percentage of risk-weighted assets 0 .0 0 % 0 .0 8 % 0 .0 8 % 0 .0 5 % 0 .0 4 % 0 .0 9 % 0 .0 2 % 0 .2 1 % 0 .0 9 % 0 .0 6 % 0 .3 3 % 0 .0 4 % 0% 2% 4% 6% 8% 10% 12% 14% 1 Q 2 3 2 Q 2 3 3 Q 2 3 4 Q 2 3 1 Q 2 4 2 Q 2 4 3 Q 2 4 4 Q 2 4 1 Q 2 5 2 Q 2 5 3 Q 2 5 4 Q 2 5 Common Equity Tier 1 Capital and Allowance for Credit Losses as a percentage of risk-weighted assets

FINANCIAL OUTLOOK (FY 2026E VS. FY 2025A) 17 Outlook provided as of January 20, 2026 Outlook Comments Moderately Increasing ▪ Commercial loans, led by C&I and Owner Occupied, expected to drive loan growth followed by Commercial Real Estate. Consumer loans expected to be relatively stable. Moderately Increasing ▪ Net interest income growth expected from balance sheet remix, loan and deposit growth, and fixed-rate asset repricing Moderately Increasing ▪ Capital markets will contribute in an outsized way followed by loan-related fees; broad-based growth expected in other areas driven by increased customer activity Moderately Increasing ▪ Technology costs, increased marketing, and continued investments in revenue- generating businesses expected to put mild pressure on noninterest expense; positive operating leverage expected Adjusted Customer- Related Noninterest Income1 Loan Balances (period-end) Net Interest Income Adjusted Noninterest Expense (1) Adjusted customer-related noninterest income outlook does not include the current or future impact of credit valuation adjustment income (loss). See appendix for non-GAAP financial measures.

ZIONS BANCORPORATION DRIVES VALUE FOR ITS STAKEHOLDERS 18 Source: Moody’s Analytics. Data as of Oct 2025. We are determined to help our clients achieve greater financial strength, help build strong, successful communities, and create economic opportunity Distinctive Local Operating Model Managing Risk Delivering Value to Our Stakeholders • Transformation of our core systems to a modern, real-time architecture improving banker productivity and customer experience • New digital products and services streamlining our customer interactions • Tangible book value per share growth exceeding 20% for three consecutive years (2023-2025) • Focus on serving small- to medium-sized businesses, resulting in a granular deposit franchise and a long-term funding advantage • Local decision making and empowered bankers support strong customer relationships • Coalition Greenwich Best Bank Awards: Ranked third among all U.S. banks in Middle Market Banking Segment • Have built and maintained a robust risk management team and framework since the global financial crisis • Net credit losses to loans ratio that is consistently in the top quartile of peer banks • Prepared for large bank regulation due to previous SIFI experience and simpler legal structure Across 11 western states, our footprint includes some of the strongest markets in the country reflected in the quality and diversity of our portfolio • These states create ~35% of national GDP • Population and job growth outpace national average Strong Geographic Footprint

APPENDIX 19 • Financial Results Summary • Accumulated Other Comprehensive Income (AOCI) • Balance Sheet Profitability • Loan Growth by Bank Brand and Loan Type • Allowance and Credit Metrics • Earning Asset Repricing • Interest Rate Swaps • Interest Rate Sensitivity • Credit Quality Trends • Loan Loss Severity (NCOs as a percentage of nonaccrual loans) • Credit Metrics: Commercial Real Estate • Loans to Non-Depository Financial Institutions • Non-GAAP Financial Measures

FINANCIAL RESULTS SUMMARY 20 (1) Adjusted for items such as severance costs, restructuring costs, amortization of other intangibles, SBIC investment success fee accrual, FDIC special assessment, and securities gains (losses). See Appendix for non-GAAP financial measures; (2) Net Income before Preferred Dividends used in the numerator; (3) Net Income Applicable to Common used in the numerator; (4) Includes noninterest-bearing deposits; (5) Current period ratios and amounts represent estimates. Quarterly financial highlights Three Months Ended (Dollar amounts in millions, except per share data) December 31, 2025 September 30, 2025 June 30, 2025 March 31, 2025 December 31, 2024 Earnings Results: Diluted Earnings Per Share $ 1.76 $ 1.48 $ 1.63 $ 1.13 $ 1.34 Net Earnings Applicable to Common Shareholders 262 221 243 169 200 Net Interest Income 683 672 648 624 627 Noninterest Income 208 189 190 171 193 Noninterest Expense 546 527 527 538 509 Pre-Provision Net Revenue - Adjusted(1) 331 352 316 267 312 Provision for Credit Losses 6 49 (1) 18 41 Ratios: Return on Assets(2) 1.16 % 0.99 % 1.09 % 0.77 % 0.96 % Return on Common Equity(3) 14.9 % 13.3 % 15.3 % 11.1 % 13.2 % Return on Tangible Common Equity(3) 17.9 % 16.0 % 18.7 % 13.4 % 16.0 % Net Interest Margin 3.31 % 3.28 % 3.17 % 3.10 % 3.05 % Cost of Total Deposits(4) 1.56 % 1.67 % 1.68 % 1.76 % 1.93 % Efficiency Ratio (1) 62.3 % 59.6 % 62.2 % 66.6 % 62.0 % Effective Tax Rate 22.4 % 22.1 % 21.8 % 28.9 % 20.0 % Ratio of Nonperforming Assets to Loans, Leases and OREO 0.52 % 0.54 % 0.51 % 0.51 % 0.50 % Annualized Ratio of Net Loan and Lease Charge-offs to Average Loans 0.05 % 0.37 % 0.07 % 0.11 % 0.24 % Common Equity Tier 1 Capital Ratio(5) 11.5 % 11.3 % 11.0 % 10.8 % 10.9 %

(2.7) (2.4) (1.9) (1.6) (1.4) (3.0) (2.5) (2.0) (1.5) (1.0) (0.5) - 4Q23 4Q24 4Q25 4Q26 4Q27 B ill io n s ACCUMULATED OTHER COMPREHENSIVE INCOME/LOSS (AOCI) 21 Note: AOCI burndown based on path of forward curve and hedges in place at December 31, 2025. Includes accretion of unrealized losses related to the 4Q22 transfers of AFS securities to HTM. Assets are assumed to experience prepayments, amortization and maturity events, in addition to interest rate resets. Steady AOCI improvement with meaningful protection against term rate volatility due to hedging strategy • AOCI is projected to improve by $300 million, or 15%, in 2026 relative to 2025. • This adds 32 basis points to the tangible common equity ratio in 2026 relative to 2025, all else equal • Hedging strategy provides meaningful protection against term rate volatility • The forward curve at 12/31/2025 assumed two rate cuts in 2026 Actual Projection Based on forward curve at 12/31/2025 AOCI Projection $550 million, or 29%, projected improvement from 4Q25 to 4Q27 15% 29% Projected Improvement vs. 4Q25

BALANCE SHEET PROFITABILITY 22 (1) Return on Tangible Common Equity is a non-GAAP measure. See Appendix for non-GAAP financial measures. Excluding the effect of AOCI from average tangible common equity would result in associated returns of 10.9%, 9.2%, 13.1%, 11.5%, and 13.3% for the periods presented, respectively. Profitability during the quarter improved due to increased revenue and low provision for credit losses 0.96% 0.77% 1.09% 0.99% 1.16% 4Q24 1Q25 2Q25 3Q25 4Q25 16.0% 13.4% 18.7% 16.0% 17.9% 4Q24 1Q25 2Q25 3Q25 4Q25 Return on Assets Return on Tangible Common Equity 1

LOAN GROWTH – BY BANK AFFILIATE AND LOAN TYPE 23 (1) Other category loans includes consumer construction, bankcard, and other consumer loan categories. Totals and percentages shown above may not foot due to rounding. Linked quarter growth led by commercial loans in California, Texas, and the Pacific Northwest Zions Bank, 27% CB&T, 24% Amegy, 27% NBAZ, 8% NSB, 5% Vectra, 5% CBW, 4% Other, 1% Commercial ($31.7B) Zions Bank, 22% CB&T, 32%Amegy, 18% NBAZ, 12% NSB, 6% Vectra, 5% CBW, 5% Commercial Real Estate ($13.4B) Consumer ($15.8B) Zions Bank, 25% CB&T, 23% Amegy, 22% NBAZ, 9% NSB, 8% Vectra, 9% CBW, 0.4% Other, 2% Period-End Linked Quarter Loan Growth (4Q25 vs. 3Q25) C o m m e rc ia l C R E C o n s u m e r Loan Distribution by Bank and Product (in millions) Zions Bank CB&T Amegy NBAZ NSB Vectra CBW Other Total C&I (ex-Oil & Gas) (158) 284 268 57 24 (14) 69 - 530 Owner occupied (22) (45) 95 (18) (9) 1 5 - 7 Energy (Oil & Gas) (2) - 30 (1) - (1) - - 26 Municipal (125) 58 14 - - (60) 99 (33) (47) CRE C&D 50 (53) (110) (102) (45) (53) 6 - (307) CRE Term 41 23 14 145 26 (38) 16 - 227 1-4 Family 17 48 (24) (13) 1 7 - 3 39 Home Equity 16 46 18 15 - 2 5 - 102 Other1 13 20 7 9 (1) (7) (1) (2) 38 Total net loans (170) 381 312 92 (4) (163) 199 (32) 615

ALLOWANCE AND CREDIT METRICS 24 CECL methodology reflects reserve build ahead of realized deterioration of credit metrics 636 678 711 738 729 736 726 736 741 743 732 725 724 1.14 1.20 1.25 1.30 1.26 1.27 1.24 1.25 1.25 1.24 1.20 1.20 1.19 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 ACL ($) ACL (% of loans) Through 2022 and 2023, the ACL increased, despite improving problem loan levels, due to forecasts of future credit quality deterioration. The reserve ratio in 2024 remained stable and the 2025 ratios have modestly improved as certain portfolio-specific risks have improved outlooks. 149 171 162 216 222 248 261 363 297 305 308 319 315 929 912 768 769 825 966 1,264 2,093 2,870 2,891 2,697 2,415 2,380 Nonaccruals Classifieds Coverage ratio remained relatively steady while problem loans increased Coverage ratio increased while problem loans decreased

SIMULATED REPRICING EXPECTATIONS: EARNING ASSETS & LOANS 25 (1) Assets are assumed to experience prepayments, amortization and maturity events, in addition to interest rate resets. A substantial portion of earning assets reset within one year with additional resets in later periods 56% 9% 8% 7% 9% 11% 54% 10% 10% 6% 9% 11% ≤ 3m 4-12m 1-2 yrs 2-3 yrs 3-5 yrs > 5 yrs P e rc e n t o f L o a n s Loans: Rate Reset / Maturity Profile1 Loans After Hedging Earning Assets: Rate Reset / Maturity Profile1 48% 9% 8% 7% 10% 18% 50% 10% 9% 5% 8% 18% ≤ 3m 4-12m 1-2 yrs 2-3 yrs 3-5 yrs > 5 yrs P e rc e n t o f E a rn in g A s s e ts Earning Assets After Hedging

5,316 5,509 5,553 5,552 5,542 5,538 5,533 4,787 3.32 3.34 3.34 3.34 3.34 3.34 3.34 3.27 0 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 3Q25 4Q25 1Q26 2Q26 3Q26 4Q26 2027 2028 Average Outstanding ($B) Average Fixed Rate Paid (%) 1,751 2,536 6,712 3,437 3,650 3,607 2,058 792 3.66 3.75 3.70 3.69 3.63 3.63 3.75 3.89 0 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 3Q25 4Q25 1Q26 2Q26 3Q26 4Q26 2027 2028 Average Outstanding ($B) Average Fixed Rate Received (%) PORTFOLIO INTEREST RATE HEDGES AT DECEMBER 31, 2025 26 Swaps and futures are used to balance our interest rate sensitivity to income and value Receive-Fixed Hedges1 (pay floating rate) Pay-Fixed Rate Hedges2 (receive floating rate) (1) Received-fixed hedges consist of hedging pools of floating rate loans or received-fixed swaps on subordinated debt. Includes certain economic hedges not designated for accounting purposes. (2) Pay-fixed hedges consist of fair value swaps hedging fixed-rate AFS securities and fixed-rate commercial loans or short-term debt hedges on rolling FHLB advances. Interest rate sensitivity is managed in part with portfolio interest rate hedges1 • In the fourth quarter, $1.35 billion of receive-fixed swap hedges were added with a fixed rate of 3.30%, $4 billion swap equivalent in futures hedges with a yield of 3.69%, and $176 million in fair value pay-fixed hedges with a fixed rate of 3.85%. Receive-fixed swaps and futures are being added to manage asset sensitivity down. $ M ill io n s

NET INTEREST INCOME – RATE SENSITIVITY 27 The rate path implied by the forward curve reflects modest asset sensitivity; net interest income increases under conservative assumptions Interest Rate Impacts on Net Interest Income1 (1) Assumes no change in the size or composition of the earning assets excluding derivative hedge activity but does assume a change in composition of deposits (a lesser proportion of noninterest-bearing relative to total deposits.) (2) This analysis presents latent interest rate sensitivity which reflects future changes in net interest income (“NII”) based upon past rate movements that have yet to be fully realized in revenue, and emergent interest rate sensitivity reflecting changes to NII based upon future rate movements implied by the forward rate curve at 12/31/2025. Net Interest Income Sensitivity (2.8%) 0.2% 3.2% -100 bps Implied Rate Path +100 bps 4Q26 vs. 4Q25 In a flat rate environment, net interest income is modeled to increase 4.9% based on past rate movements that have yet to be realized in revenue; 40% cumulative total deposit beta Latent2 Emergent2 Implied The estimated impact of future rate changes from market implied rates reduces net interest income by 4.7% versus the latent scenario. This assumes a Fed Funds Target of 3.25% at 12/31/26. 4.9% (4.7%) 0.2% The combined impact of latent and emergent sensitivities is modeled to be 0.2% in 4Q26 relative to 4Q25; 36% cumulative total deposit beta -100 and +100 parallel interest rate shocks suggest rate sensitivity between -2.8% and +3.2% Hypothetical simulations assume $1.4 billion of noninterest-bearing demand deposit migration to higher-cost products on an otherwise static balance sheet. Modeled sensitivities shown are not guidance.

INTEREST RATE SENSITIVITY – PARALLEL RATE SHOCKS 28 (1) 12-month forward simulated impact of an instantaneous and parallel change in interest rates and assumes no change in the size or composition of the earning assets excluding derivative hedge activity but does assume $1.4 billion of noninterest-bearing demand deposit migration to higher-cost products Standard parallel rate shocks suggest asset sensitivity; asset sensitivity has lessened from prior quarter because of increased hedging activity (10%) (5%) 5% 10% (8%) (4%) 4% 8% −200 bps −100 bps +100 bps +200 bps Simulated Net Interest Income Sensitivity 1 as of 9/30/2025 as of 12/31/2025

CREDIT QUALITY TRENDS RELATIVE TO PEERS 29 Source: S&P CapIQ, data as of September 30, 2025, where available. NPAs + 90 DPD = nonperforming assets (nonaccrual loans plus other real estate owned) plus loans 90 days past due and still accruing interest. Zions’ NCO/Loans ratio is frequently in the best (lowest) quartile of peers; low loss rates on NPAs NPA Ratio NPAs + 90 DPD, as a percentage of Loans + OREO NCOs / Loans (Trailing 12-month Average) (0.10%) 0.10% 0.30% 0.50% 0.70% 0.90% 1.10% 1.30% 4 Q 2 0 1 Q 2 1 2 Q 2 1 3 Q 2 1 4 Q 2 1 1 Q 2 2 2 Q 2 2 3 Q 2 2 4 Q 2 2 1 Q 2 3 2 Q 2 3 3 Q 2 3 4 Q 2 3 1 Q 2 4 2 Q 2 4 3 Q 2 4 4 Q 2 4 1 Q 2 5 2 Q 2 5 3 Q 2 5 ZION Peer Top Quartile Peer Bottom Quartile (0.10%) 0.10% 0.30% 0.50% 0.70% 0.90% 1.10% 1.30% 4 Q 2 0 1 Q 2 1 2 Q 2 1 3 Q 2 1 4 Q 2 1 1 Q 2 2 2 Q 2 2 3 Q 2 2 4 Q 2 2 1 Q 2 3 2 Q 2 3 3 Q 2 3 4 Q 2 3 1 Q 2 4 2 Q 2 4 3 Q 2 4 4 Q 2 4 1 Q 2 5 2 Q 2 5 3 Q 2 5 ZION Peer Top Quartile Peer Bottom Quartile

LOAN LOSS SEVERITY 30 Source: S&P CapIQ. Calculated using the average of annualized quarterly results. When problems arise, Zions generally experiences less severe loan losses due to strong collateral and underwriting practices 1 4 % 1 6 % 1 6 % 1 8 % 1 9 % 2 0 % 2 2 % 3 2 % 3 6 % 3 9 % 4 3 % 4 5 % 4 6 % 4 7 % 4 8 % 5 3 % 6 0 % 7 5 % W A L C M A B O K F M T B Z IO N F H N C A D E W B S W T F C H B A N C F G E W B C S N V C F R K E Y R F F IT B P N F P C O L B Annualized NCOs / Nonaccrual Loans Five Year Average (2020Q4 – 2025Q3) Annualized NCOs / Nonaccrual Loans Fifteen Year Average (2010Q4 – 2025Q3) 1 4 % 1 5 % 1 8 % 1 9 % 1 9 % 2 3 % 2 5 % 3 1 % 3 8 % 3 9 % 4 0 % 4 3 % 4 5 % 4 7 % 4 8 % 5 1 % 5 2 % 6 5 % B O K F W A L C A D E M T B Z IO N F H N C M A W B S E W B C W T F C C F G C F R K E Y S N V H B A N R F P N F P F IT B C O L B > 1 0 0 % > 1 0 0 %

COMMERCIAL REAL ESTATE PROBLEM LOANS IN FOCUS 31 Note: LTV calculations in the “Appraised Value” distribution to reflect most current appraisal in denominator and outstanding balance in the numerator. The Indexed Adjusted values are adjusted based on the MSA level Moody’s CRE Commercial Property Price Indices and adjusted from the date of most current appraisal. Approximately 55% of CRE classified balances have 2025 appraisals, 16% in 2024, 3% 2023, 26% 2022 and earlier. The commercial real estate portfolio benefits from strong LTVs, guarantor support, low delinquencies, and diversification • CRE classifieds decreased $132 million during the quarter • Reduction in office and industrial classified levels from improved leasing and cash flow plus payoffs and re-margins • Multifamily classified levels increased slightly from construction projects taking longer to reach stabilization • Low CRE nonaccruals (0.54%), delinquencies (0.18%), and charge-offs (TTM 0.00%) due to conservative underwriting, significant equity, and guarantor support • The ACL for CRE lending is substantial relative to credit quality measures (1.5% of CRE balances, 2.8x CRE nonaccruals) 0% 5% 10% 15% 20% 25% 30% 35% <=40% 41-50% 51-60% 61-70% 71-80% 81-90% 91-100% 100%+ Classified CRE LTVs Appraised vs. Index Adjusted Index Adjusted Most Recent Appraisal 0.0% 0.2% 0.4% 0.6% 0.8% 1.0% 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 CRE Nonperforming Asset and Charge-offs Levels Nonaccrual % GCO QTD Annualized 30+ Days Past Due (100) (50) 0 50 100 150 Office Industrial Multifamily Change in CRE Problem Loans Levels 9/30/25 to 12/31/2025 Criticized Classified Nonaccrual

IN-DEPTH REVIEW: COMMERCIAL REAL ESTATE 32 Data is updated through 4Q25. LTV calculations in the “Appraised Value” distribution to reflect most current appraisal in denominator and outstanding balance in the numerator. The Indexed Adjusted values are adjusted based on the MSA level Moody’s CRE Commercial Property Price Indices and adjusted from the date of most current appraisal. Limited tail loan-to-value risk in portfolio; controlled CRE growth and improving credit metrics WAVG LTV % of CRE Term % of CRE Construction Classified % ACL % Multifamily 59% 29% 54% 15.0% 1.5% Industrial / Warehouse 63% 24% 22% 10.3% 1.5% Office 57% 15% 1% 9.3% 2.9% Retail 48% 13% 5% 3.3% 1.0% Hospitality 45% 6% 0% 1.2% 0.6% Zions has limited “tail risk” in its CRE portfolio Total CRE Problem Loan Trends as a percentage of total CRE loans ($ b ill io n s ) CRE LTVs Appraised vs. Indexed 0% 5% 10% 15% 20% 25% 30% 35% <=40% 41-50% 51-60% 61-70% 71-80% 81-90% 91-100% 100%+ Index Adjusted Most Recent Appraisal 0% 2% 4% 6% 8% 10% 12% 14% 16% 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 Criticized % Classified % Nonaccrual % GCO QTD Annualized 0.7 0.9 0.5 0.1 3.7 1.9 1.5 4.2 2026 2027 2028 2029+ Maturities Construction Balances Term Balances 2.8 2.7 2.4 2.5 2.2 10.7 10.9 11.2 11.0 11.2 4Q24 1Q25 2Q25 3Q25 4Q25 Balance Trends Construction Balances Term Balances

DISCIPLINED COMMERCIAL REAL ESTATE GROWTH 33 Data as of September 30, 2025; peer growth rates are normalized for significant acquisitions Commercial real estate loan growth lags peers due to continued exercise of concentration risk discipline Zions has exercised caution in CRE concentrations for more than a decade and in underwriting standards for many decades. • Key factors: • Measured and disciplined growth compared to peers • Significant borrower equity – conservative LTVs • Disciplined underwriting on debt service coverage • Diversified by geography and asset class • Limited exposure to land 0 50 100 150 200 250 300 350 3 Q 1 5 3 Q 1 6 3 Q 1 7 3 Q 1 8 3 Q 1 9 3 Q 2 0 3 Q 2 1 3 Q 2 2 3 Q 2 3 3 Q 2 4 3 Q 2 5 ZION Peer Top Quartile Peer Bottom Quartile Indexed: 1Q15 = 100 Commercial Real Estate Excluding Owner Occupied

0.0 0.0 0.00.1 0.4 0.4 0.2 0.7 0.0 0.2 0.4 0.6 0.8 1.0 1.2 1.4 1.6 1.8 2.0 2025 2026 2027 2028 2029+ Maturities Construction Balances Term Balances 0.1 0.1 0.0 0.0 0.0 1.7 1.7 1.7 1.7 1.7 4Q24 1Q25 2Q25 3Q25 4Q25 Balance Trends Construction Balances Term Balances IN-DEPTH REVIEW: CRE OFFICE ($1.7 BILLION BALANCE) 34 Data updated through 4Q25. LTV calculations in the “Appraised Value” distribution to reflect most current appraisal in denominator and outstanding balance in the numerator. The Indexed Adjusted values are adjusted based on the MSA level Moody’s CRE Commercial Property Price Indices and adjusted from the date of most current appraisal. CRE Office portfolio is 13% of total CRE exposure and 3% of total loans; charge-offs remain limited • Allowance for credit losses: 2.9% of balances / 31% of criticized balances • 8% decrease in balances year-over-year via payoffs, loan rebalance, amortization; 31% decrease in balances since year end 2020 • Criticized levels continue to decline via loan repayment and positive property leasing; nonaccruals (4.0%) remain low • Median loan size: <$1 million; average loan size: $4.5 million • 25% variable rate with swap, 16% fixed rate, 59% variable rate w/o swap • 26% of total office exposure has a maturity date in the next 12 months • By State – 24% UT, 19% WA, 18% CA, 13% AZ, 10% TX, 16% all other Office Problem Loan Trends as a percentage of total office loans ($ billions) When values are updated based on indexed / current values, office exposure continues to benefit from low LTVs at origination CRE Office LTVs Appraised vs. Indexed ($ billions) 0% 5% 10% 15% 20% 25% 30% 35% <=40% 41-50% 51-60% 61-70% 71-80% 81-90% 91-100% 100%+ Index Adjusted Most Recent Appraisal 0% 2% 4% 6% 8% 10% 12% 14% 16% 18% 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 Criticized % Classified % Nonaccrual % GCO QTD Annaulized

0% 5% 10% 15% 20% 25% 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 Criticized % Classified % Nonaccrual % GCO QTD Annaulized CRE Multifamily Term Appraised vs. Indexed IN-DEPTH REVIEW: CRE MULTIFAMILY ($4.0 BILLION BALANCE) 35 Data is updated through 4Q25. LTV calculations in the “Appraised Value” distribution to reflect most current appraisal in denominator and outstanding balance in the numerator. The Indexed Adjusted values are adjusted based on the MSA level Moody’s CRE Commercial Property Price Indices and adjusted from the date of most current appraisal. CRE Multifamily portfolio is 30% of total CRE exposure and 7% of total loan exposure • Allowance for credit losses: 1.5% of total multifamily balances / 9% of criticized balances • No charge offs in last 12 months • Loan balances are flat year-over-year • Elevated criticized levels from longer lease up timelines and construction delays; nonaccruals (0.0%) remain low • 80% term, 20% construction • Median loan size: $1.1 million; average loan size: $5.7 million • 15% variable rate with swap, 11% fixed rate, 74% variable rate w/o swap • By State – 28% TX, 26% CA, 13% UT, 9% AZ, 7% WA, 17% all other Multifamily Problem Loan Trends as a percentage of total multifamily loans When values are updated based on indexed / current values, multifamily exposure continues to benefit from low LTVs at origination ($ billions)($ billions) 0% 5% 10% 15% 20% 25% 30% 35% 40% 45% <=40% 41-50% 51-60% 61-70% 71-80% 81-90% 91-100% 100%+ Index Adjusted Most Recent Appraisal 0.0 0.3 0.3 0.2 0.0 1.6 0.4 0.4 0.8 0.0 0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 4.5 2025 2026 2027 2028 2029+ Maturities Construction Balances Term Balances 1.1 1.0 0.9 1.0 0.8 2.9 3.1 3.1 2.9 3.2 4Q24 1Q25 2Q25 3Q25 4Q25 Balance Trends Construction Balances Term Balances

0.0 0.1 0.2 0.1 0.0.1 0.9 0.5 0.3 0.9 0.0 0.5 1.0 1.5 2.0 2.5 3.0 3.5 2025 2026 2027 2028 2029+ Maturities Construction Balances Term Balances 0% 5% 10% 15% 20% 25% 30% 35% 40% <=40% 41-50% 51-60% 61-70% 71-80% 81-90% 91-100% 100%+ Index Adjusted Most Recent Appraisal IN-DEPTH REVIEW: CRE INDUSTRIAL ($3.0 BILLION BALANCE) 36 Data is updated through 3Q25. LTV calculations in the “Appraised Value” distribution to reflect most current appraisal in denominator and outstanding balance in the numerator. The Indexed Adjusted values are adjusted based on the MSA level Moody’s CRE Commercial Property Price Indices and adjusted from the date of most current appraisal. CRE Industrial portfolio is 23% of total CRE exposure and 5% of total loan exposure • Allowance for credit losses: 1.5% of balances / 13% of criticized balances • No charge-offs in last 12 months • Loan balances are flat year-over-year • Elevated but declining criticized levels from longer lease up timelines and construction delays; nonaccruals (0.0%) remain low • 89% term, 11% construction • Median loan size: $1.6 million; average loan size: $5.0 million • 15% variable rate with swap, 11% fixed rate, 74% variable rate w/o swap • By state – 29% CA, 16% AZ, 16% TX, 13% UT, 9% NV, 17% all other Industrial Problem Loan Trends as a percentage of total industrial loans ($ billions) When values are updated based on indexed / current values, industrial exposure continues to benefit from low LTVs at origination CRE Industrial Term Appraised vs. Indexed ($ billions) 0.5 0.5 0.4 0.4 0.3 2.5 2.4 2.6 2.7 2.7 4Q24 1Q25 2Q25 3Q25 4Q25 Balance Trends Construction Balances Term Balances 0% 2% 4% 6% 8% 10% 12% 14% 16% 18% 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 Criticized % Classified % Nonaccrual % GCO QTD Annaulized

LOANS TO NON-DEPOSITORY FINANCIAL INSTITUTIONS (NDFI) ($2.0B BALANCE) 37 (1) Peer information sourced from S&P Capital IQ through September 30, 2025, adjusted for mergers and acquisitions where applicable. Peer data also includes the impact of any reclassifications that resulted from updated call report guidance. (2) Balances as of 12/31/25 reflect updated categorization for NDFI loans based on industry and purpose, resulting in loans being reclassified primarily from Other to Business Credit compared to 9/30/25. Loans to NDFIs make up 6% of the commercial portfolio and are 3% of total loans; portfolio growth has been limited Zions’ NDFI Portfolio Allocation2 as of 12/31/2025 Business Credit: BDCs, SBIC, Senior Loan Funds, Equipment Leasing $968 | 48% Mortgage Credit: REITs, Residential and Commercial Mortgage $352 | 18% Consumer Credit: Consumer Secured and Unsecured Loans $303 | 15% Private Equity Funds: Capital Call Lines, Subscription Lines $121 | 6% Other Loans: Family Office, Insurance, Broker/Dealer $253 | 13% Total Loans to Non-Depository Financial Institutions $1,997 Portfolio characteristics: • Diversified across many lending segments and asset classes • Loans tend to be governed by a borrowing base against diversified pools; structure depends on relationship length, borrower sophistication, and borrower industry • Average loan is approximately $7.7 million; median size of $1.2 million • Problem loan levels remain low; Criticized 0.8%, Classified 0.8%, Nonaccrual 0.5% 0 200 400 600 800 1,000 1,200 1 Q 2 0 2 Q 2 0 3 Q 2 0 4 Q 2 0 1 Q 2 1 2 Q 2 1 3 Q 2 1 4 Q 2 1 1 Q 2 2 2 Q 2 2 3 Q 2 2 4 Q 2 2 1 Q 2 3 2 Q 2 3 3 Q 2 3 4 Q 2 3 1 Q 2 4 2 Q 2 4 3 Q 2 4 4 Q 2 4 1 Q 2 5 2 Q 2 5 3 Q 2 5 ZION Peer Median Peer Top Quartile Peer Bottom Quartile Indexed: 1Q20 = 100 NDFI Growth1 $ millions 0% 2% 4% 6% 8% 1 Q 2 0 2 Q 2 0 3 Q 2 0 4 Q 2 0 1 Q 2 1 2 Q 2 1 3 Q 2 1 4 Q 2 1 1 Q 2 2 2 Q 2 2 3 Q 2 2 4 Q 2 2 1 Q 2 3 2 Q 2 3 3 Q 2 3 4 Q 2 3 1 Q 2 4 2 Q 2 4 3 Q 2 4 4 Q 2 4 1 Q 2 5 2 Q 2 5 3 Q 2 5 4 Q 2 5 NDFI Problem Loan Levels as a percentage of total NDFI loans Criticized Rate Classified Rate Nonaccrual Rate GCO Rate Quarterly

NON-GAAP FINANCIAL MEASURES 38 Note: Excluding the $15 million charitable contribution, the efficiency ratio for the three months ended December 31, 2025 would have been 60.6%. In millions 4Q25 3Q25 2Q25 1Q25 4Q24 (a) Total noninterest expense $546 $527 $527 $538 $509 LESS adjustments: Severance costs 5 6 2 3 1 Other real estate expense (2) - - - - Amortization of core deposit and other intangibles 2 2 2 2 2 FDIC special assessment (9) (2) - - (3) SBIC investment success fee accrual 2 1 2 - - (b) Total adjustments (2) 7 6 5 - (c) = (a - b) Adjusted noninterest expense 548 520 521 533 509 (d) Net interest income 683 672 648 624 627 (e) Fully taxable-equivalent adjustments 11 11 13 11 12 (f) = (d + e) Taxable-equivalent net interest income (TE NII) 694 683 661 635 639 (g) Customer-related noninterest income 177 163 164 158 176 (h) Net credit valuation adjustment (CVA) 2 (11) - - 3 (i) = (g - h) Adjusted customer-related noninterest income $175 $174 $164 $158 $173 (j) Noncustomer-related noninterest income 31 26 26 13 17 (k) Securities gains (losses), net 21 11 14 6 8 (l) = (j - k) Adjusted noncustomer-related noninterest income 10 15 12 7 9 (m) = (f + g + j) Combined income $902 $872 $851 $806 $832 (n) = (f + i + l) Adjusted tax-equivalent revenue $879 $872 $837 $800 $821 (m) – (a) Pre-provision net revenue (PPNR) $356 $345 $324 $268 $323 (n) – (c) Adjusted pre-provision net revenue (PPNR) $331 $352 $316 $267 $312 (c) / (n) Efficiency Ratio 62.3% 59.6% 62.2% 66.6% 62.0%

NON-GAAP FINANCIAL MEASURES (CONTINUED) 39 In millions 4Q25 3Q25 2Q25 1Q25 4Q24 Return on Average Tangible Common Equity (Non-GAAP) Net earnings applicable to common $262 $221 $243 $169 $200 Adjustments, net of tax: Amortization of core deposit and other intangibles 2 2 2 1 1 (a) Net earnings applicable to common, net of tax $264 $223 $245 $170 $201 Average common equity (GAAP) $6,956 $6,616 $6,357 $6,182 $6,036 Average goodwill and intangibles (1,093) (1,095) (1,097) (1,052) (1,053) (b) Average tangible common equity (non-GAAP) $5,863 $5,521 $5,260 $5,130 $4,983 (c) Number of days in quarter 92 92 91 90 92 (d) Number of days in year 365 365 365 365 366 (a/b/c)*d Return on average tangible common equity (non- GAAP) 17.9% 16.0% 18.7% 13.4% 16.0%

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