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OPERATING SEGMENT INFORMATION (Tables) | 9 Months Ended
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Sep. 30, 2025
Segment Reporting [Abstract] |
Schedule of Segment Reporting Information, by Segment | The following schedule presents selected operating segment information that is regularly provided to the CODM to evaluate performance and allocate resources for the three months ended September 30, 2025 and 2024:
| Zions Bank |  | CB&T |  | Amegy
(In millions) | 2025 |  | 2024 |  | 2025 |  | 2024 |  | 2025 |  | 2024
SELECTED INCOME STATEMENT DATA |  |  |  |  |  |  |  |  |  |  |
Net interest income 1 | $ | 191 |  |  | $ | 174 |  |  | $ | 168 |  |  | $ | 155 |  |  | $ | 143 |  |  | $ | 128 |
Provision for credit losses | 2 |  |  | 11 |  |  | 55 |  |  | — |  |  | 2 |  |  | 4 |
Net interest income after provision for credit losses | 189 |  |  | 163 |  |  | 113 |  |  | 155 |  |  | 141 |  |  | 124 |
Noninterest income | 49 |  |  | 46 |  |  | 31 |  |  | 31 |  |  | 49 |  |  | 44 |
Noninterest expense: |  |  |  |  |  |  |  |  |  |  |
Salaries and employee benefits | 35 |  |  | 34 |  |  | 34 |  |  | 31 |  |  | 28 |  |  | 27 |
Technology, telecom, and information processing | 3 |  |  | 4 |  |  | 1 |  |  | 1 |  |  | 2 |  |  | 2 |
Occupancy and equipment, net | 7 |  |  | 6 |  |  | 9 |  |  | 8 |  |  | 8 |  |  | 8 |
Other direct expenses 2 | 12 |  |  | 16 |  |  | 10 |  |  | 9 |  |  | 12 |  |  | 12 |
Indirect/allocated expenses | 83 |  |  | 80 |  |  | 56 |  |  | 50 |  |  | 66 |  |  | 62 |
Total noninterest expense | 140 |  |  | 140 |  |  | 110 |  |  | 99 |  |  | 116 |  |  | 111 |
Income (loss) before taxes | $ | 98 |  |  | $ | 69 |  |  | $ | 34 |  |  | $ | 87 |  |  | $ | 74 |  |  | $ | 57 |
SELECTED AVERAGE BALANCE SHEET DATA |  |  |  |  |  |  |  |  |  |  |
Total average loans | $ | 15,230 |  |  | $ | 14,762 |  |  | $ | 15,255 |  |  | $ | 14,315 |  |  | $ | 14,317 |  |  | $ | 13,531 |
Total average deposits | 21,108 |  |  | 21,386 |  |  | 15,656 |  |  | 14,643 |  |  | 14,559 |  |  | 14,633 |
| NBAZ |  | NSB |  | Vectra
(In millions) | 2025 |  | 2024 |  | 2025 |  | 2024 |  | 2025 |  | 2024
SELECTED INCOME STATEMENT DATA |  |  |  |  |  |  |  |  |  |  |
Net interest income 1 | $ | 66 |  |  | $ | 63 |  |  | $ | 54 |  |  | $ | 52 |  |  | $ | 35 |  |  | $ | 38 |
Provision for credit losses | (3) |  |  | 7 |  |  | (6) |  |  | (14) |  |  | (6) |  |  | 2 |
Net interest income after provision for credit losses | 69 |  |  | 56 |  |  | 60 |  |  | 66 |  |  | 41 |  |  | 36 |
Noninterest income | 12 |  |  | 11 |  |  | 13 |  |  | 12 |  |  | 9 |  |  | 7 |
Noninterest expense: |  |  |  |  |  |  |  |  |  |  |
Salaries and employee benefits | 13 |  |  | 13 |  |  | 11 |  |  | 11 |  |  | 10 |  |  | 10 |
Technology, telecom, and information processing | 1 |  |  | 1 |  |  | 2 |  |  | 1 |  |  | 1 |  |  | 1 |
Occupancy and equipment, net | 3 |  |  | 3 |  |  | 3 |  |  | 3 |  |  | 3 |  |  | 3 |
Other direct expenses 2 | 6 |  |  | 7 |  |  | 5 |  |  | 6 |  |  | 4 |  |  | 3 |
Indirect/allocated expenses | 26 |  |  | 25 |  |  | 24 |  |  | 23 |  |  | 16 |  |  | 17 |
Total noninterest expense | 49 |  |  | 49 |  |  | 45 |  |  | 44 |  |  | 34 |  |  | 34 |
Income (loss) before taxes | $ | 32 |  |  | $ | 18 |  |  | $ | 28 |  |  | $ | 34 |  |  | $ | 16 |  |  | $ | 9 |
SELECTED AVERAGE BALANCE SHEET DATA |  |  |  |  |  |  |  |  |  |  |
Total average loans | $ | 5,545 |  |  | $ | 5,647 |  |  | $ | 3,736 |  |  | $ | 3,520 |  |  | $ | 3,825 |  |  | $ | 4,106 |
Total average deposits | 6,863 |  |  | 6,904 |  |  | 7,038 |  |  | 7,156 |  |  | 3,396 |  |  | 3,531 |
| TCBW |  | Other |  | Consolidated Bank
(In millions) | 2025 |  | 2024 |  | 2025 |  | 2024 |  | 2025 |  | 2024
SELECTED INCOME STATEMENT DATA |  |  |  |  |  |  |  |  |  |  |
Net interest income 1 | $ | 18 |  |  | $ | 16 |  |  | $ | (3) |  |  | $ | (6) |  |  | $ | 672 |  |  | $ | 620 |
Provision for credit losses | 4 |  |  | 3 |  |  | 1 |  |  | — |  |  | 49 |  |  | 13 |
Net interest income after provision for credit losses | 14 |  |  | 13 |  |  | (4) |  |  | (6) |  |  | 623 |  |  | 607 |
Noninterest income | 2 |  |  | 2 |  |  | 24 |  |  | 19 |  |  | 189 |  |  | 172 |
Noninterest expense: |  |  |  |  |  |  |  |  |  |  |
Salaries and employee benefits | 3 |  |  | 3 |  |  | 203 |  |  | 188 |  |  | 337 |  |  | 317 |
Technology, telecom, and information processing | 1 |  |  | — |  |  | 59 |  |  | 56 |  |  | 70 |  |  | 66 |
Occupancy and equipment, net | 1 |  |  | 1 |  |  | 8 |  |  | 8 |  |  | 42 |  |  | 40 |
Other direct expenses 2 | 1 |  |  | 1 |  |  | 28 |  |  | 25 |  |  | 78 |  |  | 79 |
Indirect/allocated expenses | 4 |  |  | 3 |  |  | (275) |  |  | (260) |  |  | — |  |  | — |
Total noninterest expense | 10 |  |  | 8 |  |  | 23 |  |  | 17 |  |  | 527 |  |  | 502 |
Income (loss) before taxes | $ | 6 |  |  | $ | 7 |  |  | $ | (3) |  |  | $ | (4) |  |  | $ | 285 |  |  | $ | 277 |
SELECTED AVERAGE BALANCE SHEET DATA |  |  |  |  |  |  |  |  |  |  |
Total average loans | $ | 2,012 |  |  | $ | 1,833 |  |  | $ | 866 |  |  | $ | 951 |  |  | $ | 60,786 |  |  | $ | 58,665 |
Total average deposits | 1,139 |  |  | 1,148 |  |  | 4,544 |  |  | 5,628 |  |  | 74,303 |  |  | 75,029 |
1 Interest income is shown net of interest expense consistent with the information regularly provided to the CODM and used to evaluate segment performance. 2 Includes expenses such as professional and legal services, marketing and business development, deposit insurance and regulatory expense, credit-related expense, other real estate expense, and other noninterest expense. The following schedule presents selected operating segment information that is regularly provided to the CODM to evaluate performance and allocate resources for the nine months ended September 30, 2025 and 2024:
| Zions Bank |  | CB&T |  | Amegy
(In millions) | 2025 |  | 2024 |  | 2025 |  | 2024 |  | 2025 |  | 2024
SELECTED INCOME STATEMENT DATA |  |  |  |  |  |  |  |  |  |  |
Net interest income 1 | $ | 549 |  |  | $ | 506 |  |  | $ | 481 |  |  | $ | 448 |  |  | $ | 412 |  |  | $ | 355 |
Provision for credit losses | 15 |  |  | (7) |  |  | 47 |  |  | 17 |  |  | 15 |  |  | 22 |
Net interest income after provision for credit losses | 534 |  |  | 513 |  |  | 434 |  |  | 431 |  |  | 397 |  |  | 333 |
Noninterest income | 141 |  |  | 136 |  |  | 91 |  |  | 87 |  |  | 140 |  |  | 128 |
Noninterest expense: |  |  |  |  |  |  |  |  |  |  |
Salaries and employee benefits | 105 |  |  | 105 |  |  | 101 |  |  | 95 |  |  | 87 |  |  | 82 |
Technology, telecom, and information processing | 11 |  |  | 11 |  |  | 4 |  |  | 4 |  |  | 6 |  |  | 6 |
Occupancy and equipment, net | 20 |  |  | 20 |  |  | 25 |  |  | 24 |  |  | 25 |  |  | 24 |
Other direct expenses 2 | 46 |  |  | 55 |  |  | 31 |  |  | 32 |  |  | 37 |  |  | 42 |
Indirect/allocated expenses | 244 |  |  | 245 |  |  | 162 |  |  | 149 |  |  | 193 |  |  | 186 |
Total noninterest expense | 426 |  |  | 436 |  |  | 323 |  |  | 304 |  |  | 348 |  |  | 340 |
Income (loss) before taxes | $ | 249 |  |  | $ | 213 |  |  | $ | 202 |  |  | $ | 214 |  |  | $ | 189 |  |  | $ | 121 |
SELECTED AVERAGE BALANCE SHEET DATA |  |  |  |  |  |  |  |  |  |  |
Total average loans | $ | 15,026 |  |  | $ | 14,792 |  |  | $ | 15,037 |  |  | $ | 14,203 |  |  | $ | 14,144 |  |  | $ | 13,331 |
Total average deposits | 21,048 |  |  | 21,010 |  |  | 15,166 |  |  | 14,530 |  |  | 14,647 |  |  | 14,705 |
| NBAZ |  | NSB |  | Vectra
(In millions) | 2025 |  | 2024 |  | 2025 |  | 2024 |  | 2025 |  | 2024
SELECTED INCOME STATEMENT DATA |  |  |  |  |  |  |  |  |  |  |
Net interest income 1 | $ | 194 |  |  | $ | 185 |  |  | $ | 160 |  |  | $ | 150 |  |  | $ | 106 |  |  | $ | 109 |
Provision for credit losses | (15) |  |  | 11 |  |  | (2) |  |  | (12) |  |  | 3 |  |  | (4) |
Net interest income after provision for credit losses | 209 |  |  | 174 |  |  | 162 |  |  | 162 |  |  | 103 |  |  | 113 |
Noninterest income | 31 |  |  | 31 |  |  | 38 |  |  | 40 |  |  | 28 |  |  | 20 |
Noninterest expense: |  |  |  |  |  |  |  |  |  |  |
Salaries and employee benefits | 40 |  |  | 40 |  |  | 34 |  |  | 35 |  |  | 30 |  |  | 30 |
Technology, telecom, and information processing | 3 |  |  | 3 |  |  | 4 |  |  | 4 |  |  | 2 |  |  | 2 |
Occupancy and equipment, net | 8 |  |  | 8 |  |  | 8 |  |  | 8 |  |  | 9 |  |  | 9 |
Other direct expenses 2 | 20 |  |  | 21 |  |  | 14 |  |  | 16 |  |  | 10 |  |  | 11 |
Indirect/allocated expenses | 77 |  |  | 76 |  |  | 71 |  |  | 70 |  |  | 51 |  |  | 52 |
Total noninterest expense | 148 |  |  | 148 |  |  | 131 |  |  | 133 |  |  | 102 |  |  | 104 |
Income (loss) before taxes | $ | 92 |  |  | $ | 57 |  |  | $ | 69 |  |  | $ | 69 |  |  | $ | 29 |  |  | $ | 29 |
SELECTED AVERAGE BALANCE SHEET DATA |  |  |  |  |  |  |  |  |  |  |
Total average loans | $ | 5,606 |  |  | $ | 5,631 |  |  | $ | 3,711 |  |  | $ | 3,525 |  |  | $ | 3,872 |  |  | $ | 4,078 |
Total average deposits | 6,891 |  |  | 6,897 |  |  | 7,112 |  |  | 7,187 |  |  | 3,400 |  |  | 3,486 |
| TCBW |  | Other |  | Consolidated Bank
(In millions) | 2025 |  | 2024 |  | 2025 |  | 2024 |  | 2025 |  | 2024
SELECTED INCOME STATEMENT DATA |  |  |  |  |  |  |  |  |  |  |
Net interest income 1 | $ | 52 |  |  | $ | 45 |  |  | $ | (10) |  |  | $ | 5 |  |  | $ | 1,944 |  |  | $ | 1,803 |
Provision for credit losses | 2 |  |  | 6 |  |  | 1 |  |  | (2) |  |  | 66 |  |  | 31 |
Net interest income after provision for credit losses | 50 |  |  | 39 |  |  | (11) |  |  | 7 |  |  | 1,878 |  |  | 1,772 |
Noninterest income | 6 |  |  | 6 |  |  | 75 |  |  | 59 |  |  | 550 |  |  | 507 |
Noninterest expense: |  |  |  |  |  |  |  |  |  |  |
Salaries and employee benefits | 10 |  |  | 9 |  |  | 608 |  |  | 570 |  |  | 1,015 |  |  | 966 |
Technology, telecom, and information processing | 1 |  |  | 1 |  |  | 174 |  |  | 163 |  |  | 205 |  |  | 194 |
Occupancy and equipment, net | 2 |  |  | 2 |  |  | 26 |  |  | 24 |  |  | 123 |  |  | 119 |
Other direct expenses 2 | 4 |  |  | 4 |  |  | 87 |  |  | 77 |  |  | 249 |  |  | 258 |
Indirect/allocated expenses | 11 |  |  | 8 |  |  | (809) |  |  | (786) |  |  | — |  |  | — |
Total noninterest expense | 28 |  |  | 24 |  |  | 86 |  |  | 48 |  |  | 1,592 |  |  | 1,537 |
Income (loss) before taxes | $ | 28 |  |  | $ | 21 |  |  | $ | (22) |  |  | $ | 18 |  |  | $ | 836 |  |  | $ | 742 |
SELECTED AVERAGE BALANCE SHEET DATA |  |  |  |  |  |  |  |  |  |  |
Total average loans | $ | 1,999 |  |  | $ | 1,772 |  |  | $ | 903 |  |  | $ | 957 |  |  | $ | 60,298 |  |  | $ | 58,289 |
Total average deposits | 1,140 |  |  | 1,126 |  |  | 5,090 |  |  | 5,267 |  |  | 74,494 |  |  | 74,208 |
1 Interest income is shown net of interest expense consistent with the information regularly provided to the CODM and used to evaluate segment performance. 2 Includes expenses such as professional and legal services, marketing and business development, deposit insurance and regulatory expense, credit-related expense, other real estate expense, and other noninterest expense.

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- Definition Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 25 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-25 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 22 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-30 + Details
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