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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934
Date of Report (date of earliest event reported) October 20, 2025
ZIONS BANCORPORATION, NATIONAL ASSOCIATION
(Exact name of registrant as specified in its charter)

United States of America | 001-12307 | 87-0189025 |
(State or other jurisdiction of incorporation or organization) | (Commission File Number) | (IRS Employer Identification No.) |
One South Main, | Salt Lake City, | Utah | 84133-1109 |
(Address of Principal Executive Offices) | (Zip Code) |

Registrant's telephone number, including area code (801) 844-8208

Former name or former address, if changed since last report

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class | Trading Symbols | Name of Each Exchange on Which Registered
Common Stock, par value $0.001 | ZION | The NASDAQ Stock Market, LLC
Depositary Shares each representing a 1/40th ownership interest in a share of: |  |
Series A Floating-Rate Non-Cumulative Perpetual Preferred Stock | ZIONP | The NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition.
On October 20, 2025, Zions Bancorporation, National Association (“the Bank”) announced its financial results for the quarter ended September 30, 2025 and its intent to host a conference call to discuss such results at 5:30 p.m. Eastern Time on October 20, 2025. The press release announcing the financial results for the quarter ended September 30, 2025 is furnished as Exhibit 99.1 and incorporated herein by reference. A presentation to be used in conjunction with the conference call regarding the Bank’s third quarter financial results is furnished as Exhibit 99.2 and incorporated herein by reference.
The information in this Current Report on Form 8-K, including the exhibits, is furnished pursuant to Item 2.02 and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities under that Section. Furthermore, the information in this Current Report on Form 8-K, including the exhibits, shall not be deemed to be incorporated by reference into the filings of the Bank under the Securities Act of 1933, as amended.
Item 9.01 Financial Statements and Exhibits.
Exhibits.
The following exhibits are furnished as part of this Current Report on Form 8-K:

Exhibit Number | Description
99.1 | Press Release dated October 20, 2025 (furnished herewith).
99.2 | Earnings Release Presentation dated October 20, 2025 (furnished herewith).
101 | Cover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document.
104 | The cover page from this Current Report on form 8-K, formatted as Inline XBRL.

SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

| ZIONS BANCORPORATION, NATIONAL ASSOCIATION
| By: | /s/ R. Ryan Richards
|  | Name: R. Ryan Richards
|  | Title: Executive Vice President and Chief Financial Officer
Date: October 20, 2025 |  |