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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________
COMMISSION FILE NUMBER 001-12307
ZIONS BANCORPORATION, NATIONAL ASSOCIATION
(Exact name of registrant as specified in its charter)
United States of America
87-0189025
(State or other jurisdiction of
incorporation or organization)
(I.R.S. 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

Securities registered pursuant to Section 12(b) of the Act:
Title of Each ClassTrading SymbolsName of Each Exchange on Which Registered
Common Stock, par value $0.001
ZIONThe 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
Series G Fixed/Floating-Rate Non-Cumulative Perpetual Preferred Stock
ZIONO
The NASDAQ Stock Market LLC
6.95% Fixed-to-Floating Rate Subordinated Notes due September 15, 2028
ZIONL
The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  ý    No  ¨
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes  ý    No  ¨
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
Large accelerated filer ý Accelerated filer ¨ Non-accelerated filer ¨ Smaller reporting company 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. ¨
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes  ¨    No  ý
Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.
Number of common shares outstanding at October 31, 2023                        148,148,799 shares

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES
Table of Contents

Page
Item 1.
Item 2.
Item 3.
Item 4.
Item 1.
Item 1A.
Item 2.
Item 5.
Item 6.

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Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES
GLOSSARY OF ACRONYMS AND ABBREVIATIONS
ACLAllowance for Credit LossesHECLHome Equity Credit Line
AFSAvailable-for-SaleHTMHeld-to-Maturity
ALLLAllowance for Loan and Lease LossesIPOInitial Public Offering
AmegyAmegy Bank, a division of Zions Bancorporation, National AssociationLIHTCLow-income Housing Tax Credit
AOCIAccumulated Other Comprehensive Income or LossMunicipalitiesState and Local Governments
ASCAccounting Standards CodificationNAICSNorth American Industry Classification System
ASUAccounting Standards UpdateNASDAQNational Association of Securities Dealers Automated Quotations
BOLIBank-Owned Life InsuranceNBAZNational Bank of Arizona, a division of Zions Bancorporation, National Association
bpsBasis PointsNIMNet Interest Margin
BTFP
Bank Term Funding Program
NMNot Meaningful
CB&TCalifornia Bank & Trust, a division of Zions Bancorporation, National AssociationNSBNevada State Bank, a division of Zions Bancorporation, National Association
CECLCurrent Expected Credit LossOCCOffice of the Comptroller of the Currency
CLTVCombined Loan-to-Value RatioOCIOther Comprehensive Income or Loss
CRECommercial Real EstateOREOOther Real Estate Owned
CVACredit Valuation AdjustmentPAMProportional Amortization Method
DTADeferred Tax AssetPEIPrivate Equity Investment
DTLDeferred Tax LiabilityPPNRPre-provision Net Revenue
EaREarnings at RiskPPPPaycheck Protection Program
EPSEarnings per ShareROURight-of-Use
EVEEconomic Value of EquityRULCReserve for Unfunded Lending Commitments
FASBFinancial Accounting Standards BoardS&PStandard & Poor's
FDICFederal Deposit Insurance CorporationSBAU.S. Small Business Administration
FHLBFederal Home Loan BankSBICSmall Business Investment Company
FICOFair Isaac CorporationTCBWThe Commerce Bank of Washington, a division of Zions Bancorporation, National Association
FRBFederal Reserve BoardTDRTroubled Debt Restructuring
FTPFunds Transfer PricingU.S.United States
GAAPGenerally Accepted Accounting PrinciplesVectraVectra Bank Colorado, a division of Zions Bancorporation, National Association
GCF
General Collateral Funding
Zions BankZions Bank, a division of Zions Bancorporation, National Association

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Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES
PART I.    FINANCIAL INFORMATION
ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
FORWARD-LOOKING INFORMATION
This quarterly report includes “forward-looking statements” as that term is defined in the Private Securities Litigation Reform Act of 1995. These statements are based on management’s current expectations and assumptions regarding future events or determinations, all of which are subject to known and unknown risks, uncertainties, and other factors that may cause our actual results, performance or achievements, industry trends, and results or regulatory outcomes to differ materially from those expressed or implied. Forward-looking statements include, among others:
Statements with respect to the beliefs, plans, objectives, goals, targets, commitments, designs, guidelines, expectations, anticipations, and future financial condition, results of operations 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 the words “may,” “might,” “can,” “continue,” “could,” “should,” “would,” “believe,” “anticipate,” “estimate,” “forecasts,” “expect,” “intend,” “target,” “commit,” “design,” “plan,” “projects,” “will,” and the negative thereof and similar words and expressions.
Forward-looking statements are not guarantees, nor should they 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, important factors that may cause material differences include:
The quality and composition of our loan and securities portfolios and the quality and composition of our deposits;
Changes and uncertainties in applicable laws, and fiscal, monetary, regulatory, trade, and tax policies, and actions taken by governments, agencies, central banks, and similar organizations, including increases in bank fees, insurance assessments, capital standards, and other regulatory requirements;
Protracted congressional negotiations and political stalemates regarding government funding and other issues that increase the possibility of government shutdowns or other economic disruptions;
Changes in general industry, political and economic conditions, including continued elevated inflation, economic slowdown or recession, or other economic challenges; changes in interest and reference rates which could adversely affect our revenue and expenses, the value of assets and obligations, and the availability and cost of capital and liquidity; deterioration in economic conditions that may result in increased loan and leases losses;
Securities and capital markets behavior, including volatility and changes in market liquidity and our ability to raise capital;
The impact of bank failures or adverse developments at other banks on general investor sentiment regarding the stability and liquidity of banks;
The possibility that our recorded goodwill could become impaired, which may have an adverse impact on our earnings and capital;
Competitive pressures and other factors that may affect aspects of our business, such as pricing and demand for our products and services, our ability to recruit and retain talent, and the impact of digital commerce, artificial intelligence, and other innovations affecting the banking industry;
Our ability to complete projects and initiatives and execute on our strategic plans, manage our risks, control compensation and other expenses, and achieve our business objectives;
Our ability to provide adequate oversight of our suppliers or prevent inadequate performance by third parties upon whom we rely for the delivery of various products and services;

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES
Our ability to develop and maintain technology, information security systems and controls designed to guard against fraud, cybersecurity, and privacy risks;
Adverse media 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;
The effects of pandemics and other health emergencies that may affect our business, employees, customers, and communities;
The effects of wars and geopolitical conflicts, such as the ongoing conflict between Russia and Ukraine and the escalating events in the Middle East, and other local, national, or international disasters, crises, or conflicts that may occur in the future;
Natural disasters that may impact our and our customer's operations and business; and
Governmental and social responses to environmental, social, and governance issues, including those with respect to climate change.
We caution against the undue reliance on forward-looking statements, which reflect our views only as of the date they are made. Except to the extent required by law, we specifically disclaim any obligation to update any factors or to publicly announce the revisions to any forward-looking statements to reflect future events or developments.
KEY STRATEGIC ACTIONS
During the first nine months of 2023, the banking industry experienced significant changes in market conditions, including a higher interest rate environment and fluctuations in deposit levels. As a result, we continued to manage the associated risks through the following strategic actions:
Generated customer deposit growth through a combination of competitive interest rates and expanded utilization of reciprocal deposit programs, including the recapture of off-balance sheet deposits;
Actively managed the balance sheet through a mix change toward higher-yielding loans, while reducing the size of our lower-yielding securities and money market positions;
Increased total available liquidity sources, which far exceed our level of uninsured deposits;
Actively managed our interest rate and market risk exposures through a rebalancing of our accounting hedges for both available-for-sale (“AFS”) securities and commercial loans;
Remained committed to controlling expenses, including personnel management, while continuing to invest in technology;
Maintained strong credit performance, including low net charge-offs; and
Further strengthened our regulatory capital position through increased retained earnings.
RESULTS OF OPERATIONS
Comparisons noted below are calculated for the current quarter compared with the same prior year period unless otherwise specified. Growth rates of 100% or more are considered not meaningful (“NM”) as they generally reflect a low starting point.
Executive Summary
Our financial results in the third quarter of 2023 reflected sequential growth in customer deposits and a stabilization of the net interest margin (“NIM”). Diluted earnings per share (“EPS”) was $1.13, compared with $1.40 in the third quarter of 2022, as lower revenue and higher noninterest expense was partially offset by a lower provision for credit losses.
Net interest income decreased $78 million, or 12%, compared with the prior year quarter, as higher earning asset yields were offset by higher funding costs. Net interest income was also impacted by a reduction in interest-earning

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assets and an increase in interest-bearing liabilities. The NIM was 2.93%, compared with 3.24%, and was up from 2.92% in the second quarter of 2023.
The provision for credit losses was $41 million, compared with a $71 million provision in the prior year period, due to changes in economic forecasts and lower net charge-offs.
Total customer-related noninterest income remained relatively stable at $157 million, compared with the prior year period. A $5 million increase in loan-related fees, primarily due to a $4 million gain on the sale of certain mortgage servicing assets, and a $3 million increase in commercial account fees, driven primarily by increased treasury management sweep income, was partially offset by a $7 million decrease in capital market fees, largely due to reduced swap and loan syndication fees. Total noninterest income increased $15 million, or 9%, primarily due to a valuation loss recognized on one of our equity investments in the prior year period, as well as an increase in dividends on Federal Home Loan Bank (“FHLB”) stock in the current period.
Total noninterest expense increased $17 million, or 4%, relative to the prior year quarter, driven largely by a $9 million increase in technology, telecom, and information processing expense, primarily due to increases in application software expenses. Deposit insurance and regulatory expense increased $7 million, driven largely by an increased Federal Deposit Insurance Corporation (“FDIC”) insurance base rate beginning in 2023 and changes in balance sheet composition. Our efficiency ratio was 64.4%, compared with 57.6%, primarily due to a decline in adjusted taxable-equivalent revenue.
Average interest-earning assets decreased $1.8 billion, or 2%, from the prior year quarter, driven by declines of $4.5 billion and $1.3 billion in average securities and average money market investments, respectively, and partially offset by an increase of $4.0 billion in average loans and leases. Average interest-bearing liabilities increased $10.9 billion, or 26%, from the prior year quarter, driven by increases of $9.9 billion and $1.3 billion in average interest-bearing deposits and average other short-term borrowings, respectively.
Total loans and leases increased $3.0 billion, or 6%, to $56.9 billion from the prior year quarter. Consumer loans increased $1.8 billion, primarily in the 1-4 family residential and consumer construction loan portfolios. Commercial real estate (“CRE”) loans increased $0.8 billion, primarily in the multi-family and industrial construction loan portfolios. Increased funding of construction lending commitments and conversion-to-term loans contributed to growth in these portfolios. Net loan and lease charge-offs totaled $14 million, compared with $27 million in the prior year quarter, and classified loans decreased $196 million, or 20%. Nonperforming assets increased to $219 million, or 0.38% of loans and leases, compared with $151 million, or 0.28% of loans and leases, in the prior year quarter, primarily due to two suburban office commercial real estate loans in the Southern California market totaling $46 million.
Total deposits decreased $0.6 billion, or 1%, from the prior year quarter, due to the $12.4 billion reduction in noninterest-bearing demand deposits, which was largely offset by an $11.8 billion increase in interest-bearing deposits, as the higher interest rate environment influenced the movement of customer balances into interest-bearing products. Total customer deposits (excluding brokered deposits) increased $3.0 billion, or 5%, from June 30, 2023. At September 30, 2023 and June 30, 2023, total customer deposits included approximately $6.4 billion and $3.4 billion, respectively, of reciprocal placement products.
Total borrowed funds, consisting primarily of secured borrowings, decreased $1.1 billion from the prior year quarter, largely due to reduced funding needs as a result of the decrease in interest-earning assets.

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Third Quarter 2023 Financial Performance
Net Earnings Applicable to Common Shareholders
(in millions)
Diluted EPSAdjusted PPNR
(in millions)
Efficiency Ratio
4681468246834684
Net earnings applicable to common shareholders decreased from the third quarter of 2022, as lower net revenue and higher noninterest expense, driven largely by application software expenses and higher FDIC insurance costs, was partially offset by a lower provision for credit losses.
Diluted earnings per share declined from the third quarter of 2022 primarily as a result of decreased net earnings applicable to common shareholders.
Adjusted pre-provision net revenue (“PPNR”) decreased from the third quarter of 2022, primarily due to lower adjusted taxable-equivalent revenue and increased adjusted noninterest expense.
The efficiency ratio increased from the prior year quarter, primarily due to a decline in adjusted taxable-equivalent revenue.
Net Interest Income and Net Interest Margin
NET INTEREST INCOME AND NET INTEREST MARGIN
Three Months Ended
September 30,
Amount changePercent changeNine Months Ended
September 30,
Amount changePercent change
(Dollar amounts in millions)2023202220232022
Interest and fees on loans 1
$831 $551 $280 51 %$2,348$1,456$892 61 %
Interest on money market investments35 24 11 46 1404298 NM
Interest on securities144 132 12 41937247 13 
Total interest income
1,010 707 303 43 2,9071,8701,037 55 
Interest on deposits366 19 347 NM66832636 NM
Interest on short- and long-term borrowings59 25 34 NM38438346 NM
Total interest expense
425 44 381 NM1,05270982 NM
Net interest income
$585 $663 $(78)(12)%$1,855$1,800$55 %
Average interest-earning assets$80,678 $82,474 $(1,796)(2)%$82,325$84,189$(1,864)(2)%
Average interest-bearing liabilities$52,312 $41,398 $10,914 26 %$51,271$41,586$9,685 23 %
bpsbps
Yield on interest-earning assets 2
5.02 %3.45 %157 4.77 %3.01 %176 
Rate paid on total deposits and interest-bearing liabilities 2
2.10 %0.22 %188 1.75 %0.12 %163 
Cost of total deposits 2
1.92 %0.10 %182 1.24 %0.05 %119 
Net interest margin 2
2.93 %3.24 %(31)3.06 %2.90 %16 
1 Includes interest income recoveries of $1 million and $2 million for the three months ended, and $5 million and $8 million for the nine months ended September 30, 2023, and 2022, respectively.
2 Rates are calculated using amounts in thousands; taxable-equivalent rates are used where applicable.

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Net interest income accounted for approximately 76% of our net revenue (net interest income plus noninterest income) for the current quarter and decreased $78 million, or 12%, relative to the prior year quarter, as higher earning asset yields were offset by higher funding costs. Net interest income was also impacted by a reduction in interest-earning assets and an increase in interest-bearing liabilities.
Average interest-earning assets decreased $1.8 billion, or 2%, from the prior year quarter, driven by declines of $4.5 billion and $1.3 billion in average securities and average money market investments, respectively, and was partially offset by an increase of $4.0 billion in average loans and leases. The decline in average securities was primarily due to principal reductions.
Average interest-bearing liabilities increased $10.9 billion, or 26%, from the prior year quarter, driven by increases of $9.9 billion and $1.3 billion in average interest-bearing deposits and average other short-term borrowings, respectively.
The NIM was 2.93%, compared with 3.24%, and was up from 2.92% in the second quarter of 2023. The yield on average interest-earning assets was 5.02% in the third quarter of 2023, an increase of 157 basis points (“bps”), reflecting higher interest rates and a favorable mix change to higher yielding assets. The yield on average loans and leases increased 167 basis points to 5.84%, and the yield on average securities increased 63 basis points to 2.73%. The yield on average securities benefited from a decrease in the market value of AFS securities due to rising interest rates. The rate paid on average interest-bearing liabilities increased to 3.22%, compared with 0.43%, reflecting the higher interest rate environment.
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Average loans and leases increased $4.0 billion, or 8%, to $57.0 billion, mainly due to growth in average consumer and commercial loans. The yield on total loans and leases was 5.84% for the third quarter of 2023, compared with 4.17% for the prior year quarter, reflecting the higher interest rate environment.
Average securities decreased $4.5 billion, or 17%, to $21.2 billion, primarily due to approximately $2.8 billion in principal reductions. During the fourth quarter of 2022, we transferred approximately $10.7 billion fair value ($13.1 billion amortized cost) of mortgage-backed AFS securities to the held-to-maturity (“HTM”) category to reflect our intent for these securities.

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27412742
Average deposits decreased $1.8 billion, or 2%, to $75.7 billion at an average cost of 1.92%, from $77.5 billion at an average cost of 0.10% in the third quarter of 2022, driven by the decrease in noninterest-bearing deposits as interest rates increased. Average noninterest-bearing deposits as a percentage of total deposits were 37%, compared with 51% during the same prior year period.
Average borrowed funds, consisting primarily of secured borrowings, increased $0.9 billion from the prior year quarter, largely in response to average loan growth and the decline in total average deposits.
For more information on our investment securities portfolio and borrowed funds and how we manage liquidity risk, refer to the “Investment Securities Portfolio” section on page 16 and the “Liquidity Risk Management” section on page 31. For further discussion of the effects of market rates on net interest income and how we manage interest rate risk, refer to the “Interest Rate and Market Risk Management” section on page 28.
The following schedule summarizes the average balances, the amount of interest earned or paid, and the applicable yields for interest-earning assets and the costs of interest-bearing liabilities.

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CONSOLIDATED AVERAGE BALANCE SHEETS, YIELDS AND RATES
(Unaudited)Three Months Ended
September 30, 2023
Three Months Ended
September 30, 2022
(Dollar amounts in millions)Average
balance
Amount of
interest 1
Average
yield/rate 1
Average
balance
Amount of
interest 1
Average
yield/rate 1
ASSETS
Money market investments:
Interest-bearing deposits$1,539 $21 5.52 %$1,233 $2.19 %
Federal funds sold and securities purchased under agreements to resell874 14 6.13 2,511 17 2.66 
Total money market investments2,413 35 5.74 3,744 24 2.51 
Securities:
Held-to-maturity10,625 59 2.21 560 2.88 
Available-for-sale 2
10,606 87 3.24 24,892 129 2.05 
Trading20 — 4.65 288 4.57 
Total securities
21,251 146 2.73 25,740 136 2.10 
Loans held for sale46 4.89 37 5.33 
Loans and leases
Commercial30,535 438 5.69 29,380 308 4.16 
Commercial real estate13,016 234 7.14 12,182 145 4.73 
Consumer13,417 167 4.92 11,391 103 3.61 
Total loans and leases56,968 839 5.84 52,953 556 4.17 
Total interest-earning assets80,678 1,021 5.02 82,474 717 3.45 
Cash and due from banks712 604 
Allowance for credit losses on loans and debt securities(651)(515)
Goodwill and intangibles1,061 1,021 
Other assets5,523 4,923 
Total assets$87,323 $88,507 
LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing deposits:
Savings and money market$35,346 $215 2.42 %$36,399 $18 0.20 %
Time12,424 151 4.81 1,441 0.32 
Total interest-bearing deposits47,770 366 3.04 37,840 19 0.20 
Borrowed funds:
Federal funds and security repurchase agreements
1,770 24 5.31 2,000 11 2.20 
Other short-term borrowings2,233 27 4.95 885 2.61 
Long-term debt539 5.37 673 4.83 
Total borrowed funds4,542 59 5.14 3,558 25 2.80 
Total interest-bearing liabilities52,312 425 3.22 41,398 44 0.43 
Noninterest-bearing demand deposits27,873 39,623 
Other liabilities1,760 1,743 
Total liabilities81,945 82,764 
Shareholders’ equity:
Preferred equity440 440 
Common equity4,938 5,303 
Total shareholders’ equity5,378 5,743 
Total liabilities and shareholders’ equity$87,323 $88,507 
Spread on average interest-bearing funds1.80 %3.02 %
Net impact of noninterest-bearing sources of funds1.13 %0.22 %
Net interest margin
$596 2.93 %$673 3.24 %
Memo: total cost of deposits
1.92 %0.10 %
Memo: total deposits and interest-bearing liabilities$80,185 425 2.10 %$81,021 44 0.22 %
1 Rates are calculated using amounts in thousands and a tax rate of 21% for the periods presented.
2 Net of unamortized purchase premiums, discounts, and deferred loan fees and costs.

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Nine Months Ended
September 30, 2023
Nine Months Ended
September 30, 2022
(Dollar amounts in millions)Average
balance
Amount of
interest 1
Average
yield/rate 1
Average
balance
Amount of
interest 1
Average
yield/rate 1
ASSETS
Money market investments:
Interest-bearing deposits