Zions Bancorporation Reports Third Quarter 2025 Financial Results
Salt Lake City, Oct. 20, 2025 — Zions Bancorporation, National Association (NASDAQ: ZION) released its financial results for the third quarter of 2025. The bank reported net earnings applicable to common shareholders of $221 million, or $1.48 per diluted common share. This compares with net earnings of $204 million, or $1.37 per diluted common share, for the same period last year. The results also show a decline from the second quarter of 2025, when net earnings were $243 million, or $1.63 per diluted common share.
Chairman and CEO Harris H. Simmons expressed satisfaction with the company’s core earnings performance. He noted a 14% growth in pre-provision net revenue compared with the prior year period. On an adjusted basis, this growth increased to 18%. The net interest margin rose by 25 basis points from the third quarter of 2024. Customer-related noninterest income, after adjustments for net credit valuation, increased by 8%.
Loans decreased slightly, contracting at a 3% annualized linked-quarter rate. Despite this, the bank’s deposits, excluding brokered deposits, expanded at an annualized rate of 7%. Over the past year, tangible book value per share increased by 17%.
Mr. Simmons discussed credit performance for the quarter, highlighting a charge-off of $50 million related to loans to two affiliated companies. The bank also set aside a $10 million specific reserve against the remaining balance of those loans after detecting irregularities and misrepresentations. The bank has initiated legal action to recover the owed amounts from guarantors associated with the loans. Apart from this situation, net charge-offs remained low.
The bank’s report underscores steady revenue growth despite challenges in loan performance. Deposits continue to rise, supporting the bank’s funding base. The company’s efforts to manage credit risk remain a focus as it addresses the identified losses and pursues recovery.
Overall, Zions Bancorporation’s third quarter results demonstrate moderate growth in earnings and balance sheet strength. The bank continues to navigate credit challenges while focusing on revenue expansion and shareholder value.
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