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REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables) | 9 Months Ended
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Sep. 30, 2025
Revenue Recognition and Deferred Revenue [Abstract] |
Disaggregation of Revenue | The following schedule presents revenue from contracts with customers and provides a reconciliation to total noninterest income by operating business segment for the three months ended September 30, 2025 and 2024. Customer-related noninterest income from other sources represents revenue earned from customers that is not within the scope of the applicable accounting guidance for revenue from contracts with customers.
| Zions Bank |  | CB&T |  | Amegy
(In millions) | 2025 |  | 2024 |  | 2025 |  | 2024 |  | 2025 |  | 2024
Commercial account fees | $ | 15 |  |  | $ | 15 |  |  | $ | 8 |  |  | $ | 8 |  |  | $ | 15 |  |  | $ | 15 |
Card fees 1 | 12 |  |  | 12 |  |  | 4 |  |  | 5 |  |  | 8 |  |  | 8 |
Retail and business banking fees | 6 |  |  | 5 |  |  | 4 |  |  | 3 |  |  | 4 |  |  | 4 |
Capital markets fees and income 2 | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | — |
Wealth management fees | 4 |  |  | 5 |  |  | 2 |  |  | 1 |  |  | 5 |  |  | 4 |
Other customer-related fees | 2 |  |  | 2 |  |  | 2 |  |  | 2 |  |  | 1 |  |  | 1 |
Total noninterest income from contracts with customers | 39 |  |  | 39 |  |  | 21 |  |  | 19 |  |  | 33 |  |  | 32 |
Customer-related noninterest income from other sources | 10 |  |  | 7 |  |  | 9 |  |  | 10 |  |  | 13 |  |  | 10 |
Total customer-related noninterest income | 49 |  |  | 46 |  |  | 30 |  |  | 29 |  |  | 46 |  |  | 42 |
Noncustomer-related noninterest income | — |  |  | — |  |  | 1 |  |  | 2 |  |  | 3 |  |  | 2 |
Total noninterest income | $ | 49 |  |  | $ | 46 |  |  | $ | 31 |  |  | $ | 31 |  |  | $ | 49 |  |  | $ | 44 |
| NBAZ |  | NSB |  | Vectra
(In millions) | 2025 |  | 2024 |  | 2025 |  | 2024 |  | 2025 |  | 2024
Commercial account fees | $ | 3 |  |  | $ | 3 |  |  | $ | 3 |  |  | $ | 3 |  |  | $ | 2 |  |  | $ | 2 |
Card fees 1 | 4 |  |  | 4 |  |  | 4 |  |  | 4 |  |  | 2 |  |  | 2 |
Retail and business banking fees | 2 |  |  | 2 |  |  | 3 |  |  | 3 |  |  | 1 |  |  | 1 |
Capital markets fees and income 2 | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |
Wealth management fees | 1 |  |  | 1 |  |  | 2 |  |  | 2 |  |  | 1 |  |  | 1 |
Other customer-related fees | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 1 |
Total noninterest income from contracts with customers | 10 |  |  | 10 |  |  | 12 |  |  | 12 |  |  | 8 |  |  | 7 |
Customer-related noninterest income from other sources | 2 |  |  | 1 |  |  | 1 |  |  | — |  |  | 1 |  |  | — |
Total customer-related noninterest income | 12 |  |  | 11 |  |  | 13 |  |  | 12 |  |  | 9 |  |  | 7 |
Noncustomer-related noninterest income | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total noninterest income | $ | 12 |  |  | $ | 11 |  |  | $ | 13 |  |  | $ | 12 |  |  | $ | 9 |  |  | $ | 7 |
| TCBW |  | Other |  | Consolidated Bank
(In millions) | 2025 |  | 2024 |  | 2025 |  | 2024 |  | 2025 |  | 2024
Commercial account fees | $ | 1 |  |  | $ | 1 |  |  | $ | — |  |  | $ | (1) |  |  | $ | 47 |  |  | $ | 46 |
Card fees 1 | — |  |  | — |  |  | 1 |  |  | 1 |  |  | 35 |  |  | 36 |
Retail and business banking fees | — |  |  | — |  |  | (1) |  |  | (1) |  |  | 19 |  |  | 17 |
Capital markets fees and income 2 | — |  |  | — |  |  | 2 |  |  | 2 |  |  | 4 |  |  | 2 |
Wealth management fees | — |  |  | — |  |  | (2) |  |  | (1) |  |  | 13 |  |  | 13 |
Other customer-related fees | — |  |  | — |  |  | 9 |  |  | 8 |  |  | 15 |  |  | 14 |
Total noninterest income from contracts with customers | 1 |  |  | 1 |  |  | 9 |  |  | 8 |  |  | 133 |  |  | 128 |
Customer-related noninterest income from other sources | 1 |  |  | 1 |  |  | (7) |  |  | 4 |  |  | 30 |  |  | 33 |
Total customer-related noninterest income | 2 |  |  | 2 |  |  | 2 |  |  | 12 |  |  | 163 |  |  | 161 |
Noncustomer-related noninterest income | — |  |  | — |  |  | 22 |  |  | 7 |  |  | 26 |  |  | 11 |
Total noninterest income | $ | 2 |  |  | $ | 2 |  |  | $ | 24 |  |  | $ | 19 |  |  | $ | 189 |  |  | $ | 172 |
1 Card fees exclude costs associated with reward programs that are netted against interchange fees, as these costs fall outside the scope of the applicable accounting guidance for revenue from contracts with customers. 2 Capital markets fees and income excludes revenue related to real estate capital markets, swaps, loan syndications, foreign exchange activities, and the net CVA, as these items are not within the scope of the applicable accounting guidance for revenue from contracts with customers. The following schedule presents revenue from contracts with customers and provides a reconciliation to total noninterest income by operating business segment for the nine months ended September 30, 2025 and 2024. Customer-related noninterest income from other sources represents revenue from customers that falls outside the scope of the applicable accounting guidance for revenue from contracts with customers.
| Zions Bank |  | CB&T |  | Amegy
(In millions) | 2025 |  | 2024 |  | 2025 |  | 2024 |  | 2025 |  | 2024
Commercial account fees | $ | 45 |  |  | $ | 42 |  |  | $ | 24 |  |  | $ | 23 |  |  | $ | 46 |  |  | $ | 44 |
Card fees 1 | 37 |  |  | 38 |  |  | 13 |  |  | 14 |  |  | 22 |  |  | 23 |
Retail and business banking fees | 16 |  |  | 14 |  |  | 10 |  |  | 9 |  |  | 11 |  |  | 10 |
Capital markets fees and income 2 | — |  |  | — |  |  | 2 |  |  | — |  |  | 9 |  |  | — |
Wealth management fees | 12 |  |  | 16 |  |  | 4 |  |  | 3 |  |  | 13 |  |  | 13 |
Other customer-related fees | 6 |  |  | 7 |  |  | 6 |  |  | 6 |  |  | 4 |  |  | 5 |
Total noninterest income from contracts with customers | 116 |  |  | 117 |  |  | 59 |  |  | 55 |  |  | 105 |  |  | 95 |
Customer-related noninterest income from other sources | 23 |  |  | 16 |  |  | 28 |  |  | 26 |  |  | 27 |  |  | 25 |
Total customer-related noninterest income | 139 |  |  | 133 |  |  | 87 |  |  | 81 |  |  | 132 |  |  | 120 |
Noncustomer-related noninterest income | 2 |  |  | 3 |  |  | 4 |  |  | 6 |  |  | 8 |  |  | 8 |
Total noninterest income | $ | 141 |  |  | $ | 136 |  |  | $ | 91 |  |  | $ | 87 |  |  | $ | 140 |  |  | $ | 128 |
| NBAZ |  | NSB |  | Vectra
(In millions) | 2025 |  | 2024 |  | 2025 |  | 2024 |  | 2025 |  | 2024
Commercial account fees | $ | 7 |  |  | $ | 8 |  |  | $ | 9 |  |  | $ | 10 |  |  | $ | 5 |  |  | $ | 5 |
Card fees 1 | 11 |  |  | 11 |  |  | 12 |  |  | 12 |  |  | 7 |  |  | 8 |
Retail and business banking fees | 7 |  |  | 6 |  |  | 8 |  |  | 7 |  |  | 3 |  |  | 3 |
Capital markets fees and income 2 | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |
Wealth management fees | 3 |  |  | 3 |  |  | 5 |  |  | 4 |  |  | 1 |  |  | 1 |
Other customer-related fees | 1 |  |  | 1 |  |  | 1 |  |  | 1 |  |  | 4 |  |  | 3 |
Total noninterest income from contracts with customers | 29 |  |  | 29 |  |  | 35 |  |  | 34 |  |  | 21 |  |  | 20 |
Customer-related noninterest income from other sources | 3 |  |  | 2 |  |  | 3 |  |  | 1 |  |  | 4 |  |  | — |
Total customer-related noninterest income | 32 |  |  | 31 |  |  | 38 |  |  | 35 |  |  | 25 |  |  | 20 |
Noncustomer-related noninterest income | (1) |  |  | — |  |  | — |  |  | 5 |  |  | 3 |  |  | — |
Total noninterest income | $ | 31 |  |  | $ | 31 |  |  | $ | 38 |  |  | $ | 40 |  |  | $ | 28 |  |  | $ | 20 |
| TCBW |  | Other |  | Consolidated Bank
(In millions) | 2025 |  | 2024 |  | 2025 |  | 2024 |  | 2025 |  | 2024
Commercial account fees | $ | 2 |  |  | $ | 2 |  |  | $ | — |  |  | $ | 1 |  |  | $ | 138 |  |  | $ | 135 |
Card fees 1 | 1 |  |  | 1 |  |  | 2 |  |  | 1 |  |  | 105 |  |  | 108 |
Retail and business banking fees | — |  |  | — |  |  | (1) |  |  | 1 |  |  | 54 |  |  | 50 |
Capital markets fees and income 2 | — |  |  | — |  |  | 4 |  |  | 4 |  |  | 16 |  |  | 4 |
Wealth management fees | — |  |  | — |  |  | 2 |  |  | — |  |  | 40 |  |  | 40 |
Other customer-related fees | 1 |  |  | 1 |  |  | 20 |  |  | 17 |  |  | 43 |  |  | 41 |
Total noninterest income from contracts with customers | 4 |  |  | 4 |  |  | 27 |  |  | 24 |  |  | 396 |  |  | 378 |
Customer-related noninterest income from other sources | 2 |  |  | 2 |  |  | (1) |  |  | 16 |  |  | 89 |  |  | 88 |
Total customer-related noninterest income | 6 |  |  | 6 |  |  | 26 |  |  | 40 |  |  | 485 |  |  | 466 |
Noncustomer-related noninterest income | — |  |  | — |  |  | 49 |  |  | 19 |  |  | 65 |  |  | 41 |
Total noninterest income | $ | 6 |  |  | $ | 6 |  |  | $ | 75 |  |  | $ | 59 |  |  | $ | 550 |  |  | $ | 507 |
1 Card fees exclude costs associated with reward programs that are netted against interchange fees, as these costs are not within the scope of applicable accounting guidance for revenue from contracts with customers. 2 Capital markets fees and income excludes revenue related to real estate capital markets, swaps, loan syndications, foreign exchange activities, and the net CVA, as these items are not within the scope of the applicable accounting guidance for revenue from contracts with customers.

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- Definition Tabular disclosure of disaggregation of revenue into categories depicting how nature, amount, timing, and uncertainty of revenue and cash flows are affected by economic factor. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-5 + Details
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