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REVENUE FROM CONTRACTS WITH CUSTOMERS | 9 Months Ended
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Sep. 30, 2025
Revenue Recognition and Deferred Revenue [Abstract] |
REVENUE FROM CONTRACTS WITH CUSTOMERS | REVENUE FROM CONTRACTS WITH CUSTOMERS Noninterest income and revenue from contracts with customers are recognized when control of the promised goods or services is transferred to customers, in an amount that reflects the consideration to which we expect to be entitled in exchange for those goods or services. We recognize noninterest income from certain contracts with customers upon satisfaction of the related contractual performance obligations. For more information regarding revenue from contracts with customers, see Note 17 of our 2024 Form 10-K. 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. Revenue from contracts with customers did not result in the recognition of significant contract assets and liabilities. Contract receivables are included in “Other assets” on the consolidated balance sheet. Payment terms vary by the nature of the services provided; however, the time between the satisfaction of performance obligations and receipt of payment is generally not significant.

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- Definition The entire disclosure of revenue from contract with customer to transfer good or service and to transfer nonfinancial asset. Includes, but is not limited to, disaggregation of revenue, credit loss recognized from contract with customer, judgment and change in judgment related to contract with customer, and asset recognized from cost incurred to obtain or fulfill contract with customer. Excludes insurance and lease contracts. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 7 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-7 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 9 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-9 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 10 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-10 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 15 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-15 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (c) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 9: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 10: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (b)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-13 Reference 11: http://www.xbrl.org/2003/role/disclosureRef -Name Accounting Standards Codification -Topic 606 -Publisher FASB -URI https://asc.fasb.org/606/tableOfContent + Details
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