XML 84 R58.htm IDEA: XBRL DOCUMENT
v3.25.2

LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Summary of Selected Information on Modified Loans) (Details) - USD ($) $ in Millions | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2025 | Jun. 30, 2024 | Jun. 30, 2025 | Jun. 30, 2024
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | $ 259 | $ 47 | $ 420 | $ 177
Percentage of total loans | 0.40% | 0.10% | 0.70% | 0.30%
Unfunded lending commitments on troubled debt restructuring | $ 38 | $ 10 | $ 38 | $ 10
Interest rate reduction |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 | 0 | 0 | 0
Maturity or term extension |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 251 | 45 | 398 | 165
Principal forgiveness |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 | 1 | 0 | 2
Payment deferral |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 | 0 | 8 | 1
Multiple modification types |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 8 | 1 | 14 | 9
Commercial: |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | $ 46 | $ 30 | $ 72 | $ 67
Percentage of total loans | 0.10% | 0.10% | 0.20% | 0.20%
Commercial: | Interest rate reduction |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | $ 0 | $ 0 | $ 0 | $ 0
Commercial: | Maturity or term extension |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 46 | 29 | 72 | 60
Commercial: | Principal forgiveness |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 | 0 | 0 | 0
Commercial: | Payment deferral |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 | 0 | 0 | 1
Commercial: | Multiple modification types |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 | 1 | 0 | 6
Commercial: | Commercial and industrial |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | $ 45 | $ 28 | $ 67 | $ 60
Percentage of total loans | 0.30% | 0.20% | 0.40% | 0.40%
Commercial: | Commercial and industrial | Interest rate reduction |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | $ 0 | $ 0 | $ 0 | $ 0
Commercial: | Commercial and industrial | Maturity or term extension |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 45 | 27 | 67 | 55
Commercial: | Commercial and industrial | Principal forgiveness |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 | 0 | 0 | 0
Commercial: | Commercial and industrial | Payment deferral |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 | 0 | 0 | 1
Commercial: | Commercial and industrial | Multiple modification types |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 | 1 | 0 | 4
Commercial: | Owner-occupied |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | $ 1 | $ 2 | $ 5 | $ 4
Percentage of total loans | 0.00% | 0.00% | 0.10% | 0.00%
Commercial: | Owner-occupied | Interest rate reduction |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | $ 0 | $ 0 | $ 0 | $ 0
Commercial: | Owner-occupied | Maturity or term extension |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 1 | 2 | 5 | 2
Commercial: | Owner-occupied | Principal forgiveness |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 | 0 | 0 | 0
Commercial: | Owner-occupied | Payment deferral |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 | 0 | 0 | 0
Commercial: | Owner-occupied | Multiple modification types |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 | 0 | 0 | 2
Commercial: | Municipal |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis |  |  |  | $ 3
Percentage of total loans |  |  |  | 0.10%
Commercial: | Municipal | Interest rate reduction |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis |  |  |  | $ 0
Commercial: | Municipal | Maturity or term extension |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis |  |  |  | 3
Commercial: | Municipal | Principal forgiveness |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis |  |  |  | 0
Commercial: | Municipal | Payment deferral |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis |  |  |  | 0
Commercial: | Municipal | Multiple modification types |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis |  |  |  | 0
Commercial real estate: |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | $ 212 |  | $ 341 | $ 105
Percentage of total loans | 1.60% |  | 2.50% | 0.80%
Commercial real estate: | Interest rate reduction |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | $ 0 |  | $ 0 | $ 0
Commercial real estate: | Maturity or term extension |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 205 |  | 326 | 105
Commercial real estate: | Principal forgiveness |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 |  | 0 | 0
Commercial real estate: | Payment deferral |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 |  | 8 | 0
Commercial real estate: | Multiple modification types |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 7 |  | 7 | 0
Commercial real estate: | Term |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | $ 187 | $ 16 | $ 316 | $ 103
Percentage of total loans | 1.70% | 0.10% | 2.80% | 1.00%
Commercial real estate: | Term | Interest rate reduction |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | $ 0 | $ 0 | $ 0 | $ 0
Commercial real estate: | Term | Maturity or term extension |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 180 | 16 | 301 | 103
Commercial real estate: | Term | Principal forgiveness |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 | 0 | 0 | 0
Commercial real estate: | Term | Payment deferral |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 | 0 | 8 | 0
Commercial real estate: | Term | Multiple modification types |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 7 | 0 | 7 | 0
Commercial real estate: | Construction and land development |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | $ 25 |  | $ 25 | $ 2
Percentage of total loans | 1.00% |  | 1.00% | 0.10%
Commercial real estate: | Construction and land development | Interest rate reduction |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | $ 0 |  | $ 0 | $ 0
Commercial real estate: | Construction and land development | Maturity or term extension |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 25 |  | 25 | 2
Commercial real estate: | Construction and land development | Principal forgiveness |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 |  | 0 | 0
Commercial real estate: | Construction and land development | Payment deferral |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 |  | 0 | 0
Commercial real estate: | Construction and land development | Multiple modification types |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 |  | 0 | 0
Consumer: |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis |  |  |  | $ 5
Percentage of total loans |  |  |  | 0.00%
Consumer: | Interest rate reduction |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis |  |  |  | $ 0
Consumer: | Maturity or term extension |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis |  |  |  | 0
Consumer: | Principal forgiveness |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis |  |  |  | 2
Consumer: | Payment deferral |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis |  |  |  | 0
Consumer: | Multiple modification types |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis |  |  |  | 3
Consumer: | 1-4 family residential |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | $ 1 | $ 1 | $ 7 | $ 4
Percentage of total loans | 0.00% | 0.00% | 0.10% | 0.00%
Consumer: | 1-4 family residential | Interest rate reduction |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | $ 0 | $ 0 | $ 0 | $ 0
Consumer: | 1-4 family residential | Maturity or term extension |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 | 0 | 0 | 0
Consumer: | 1-4 family residential | Principal forgiveness |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 | 1 | 0 | 2
Consumer: | 1-4 family residential | Payment deferral |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | 0 | 0 | 0 | 0
Consumer: | 1-4 family residential | Multiple modification types |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis | $ 1 | $ 0 | $ 7 | 2
Consumer: | Home equity credit line |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis |  |  |  | $ 1
Percentage of total loans |  |  |  | 0.00%
Consumer: | Home equity credit line | Interest rate reduction |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis |  |  |  | $ 0
Consumer: | Home equity credit line | Maturity or term extension |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis |  |  |  | 0
Consumer: | Home equity credit line | Principal forgiveness |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis |  |  |  | 0
Consumer: | Home equity credit line | Payment deferral |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis |  |  |  | 0
Consumer: | Home equity credit line | Multiple modification types |  |  |  |
Financing Receivable, Modifications [Line Items] |  |  |  |
Amortized cost basis |  |  |  | $ 1

X
- Definition Amortized cost excluding accrued interest, of financing receivable modified during period for debtor experiencing financial difficulty. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Percentage, excluding accrued interest, of financing receivable modified during period for debtor experiencing financial difficulty to total financing receivables. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 + Details
Name: | us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:percentItemType
Balance Type: | na
Period Type: | duration

X
- Definition Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 12A -Publisher FASB -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 34 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-34 Reference 3: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 33 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-33 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 + Details
Name: | us-gaap_FinancingReceivableModificationsLineItems
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount of commitment to lend additional funds to debtor experiencing financial difficulty for which creditor has modified terms of financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 40 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481746/310-40-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 36 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-36 + Details
Name: | us-gaap_LoansAndLeasesReceivableImpairedCommitmentToLend
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Details
Name: | us-gaap_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_LoanRestructuringModificationAxis=us-gaap_PrincipalForgivenessMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_LoanRestructuringModificationAxis=us-gaap_PaymentDeferralMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_LoanRestructuringModificationAxis=zions_MultipleModificationTypesMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=zions_CommercialAndIndustrialMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=zions_OwnerOccupiedMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=zions_MunicipalMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=zions_TermMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=zions_ConstructionAndLandDevelopmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=zions_OneThroughFourFamilyResidentialMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |