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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
(Mark One)
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________
COMMISSION FILE NUMBER 001-12307
ZIONS BANCORPORATION, NATIONAL ASSOCIATION
(Exact name of registrant as specified in its charter)
United States of America
87-0189025
(State or other jurisdiction of
incorporation or organization)
(I.R.S. 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) 844-7637
Securities registered pursuant to Section 12(b) of the Act:
Title of Each ClassTrading SymbolsName of Each Exchange on Which Registered
Common Stock, par value $0.001
ZIONThe 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
Series G Fixed/Floating-Rate Non-Cumulative Perpetual Preferred Stock
ZIONO
The NASDAQ Stock Market LLC
6.95% Fixed-to-Floating Rate Subordinated Notes due September 15, 2028
ZIONL
The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  ý    No  ¨
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes  ý    No  ¨
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
Large accelerated filer ý Accelerated filer ¨ Non-accelerated filer ¨ Smaller reporting company 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. ¨
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes  ¨    No  ý
Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.
Number of common shares outstanding at October 29, 2021                        156,463,463 shares

1


ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES
Table of Contents















2


Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES
GLOSSARY OF ACRONYMS
ACLAllowance for Credit LossesIMGInternational Manufacturing Group
AFSAvailable-for-SaleIOSCOInternational Organization of Securities Commissions
ALCOAsset/Liability CommitteeIPOInitial Public Offering
ALLLAllowance for Loan and Lease LossesLIBORLondon Interbank Offered Rate
ALMAsset Liability ManagementMD&AManagement’s Discussion and Analysis
AmegyAmegy Bank, a division of Zions Bancorporation, National AssociationMunicipalitiesState and Local Governments
AOCIAccumulated Other Comprehensive IncomeNASDAQNational Association of Securities Dealers Automated Quotations
ASCAccounting Standards CodificationNBAZNational Bank of Arizona, a division of Zions Bancorporation, National Association
ASRAccelerated Share RepurchaseNIMNet Interest Margin
ASUAccounting Standards UpdateNMNot Meaningful
bpsbasis pointsNSBNevada State Bank, a division of Zions Bancorporation, National Association
BSBYBloomberg Short-Term Bank Yield IndexOCIOther Comprehensive Income
CB&TCalifornia Bank & Trust, a division of Zions Bancorporation, National AssociationOREOOther Real Estate Owned
CECLCurrent Expected Credit LossPEIPrivate Equity Investment
CET1Common Equity Tier 1 (Basel III)PPNRPre-provision Net Revenue
CLTVCombined Loan-to-Value RatioPPPPaycheck Protection Program
CRECommercial Real EstateROCRisk Oversight Committee
CVACredit Valuation AdjustmentROURight-of-Use
Dodd-Frank ActDodd-Frank Wall Street Reform and Consumer Protection ActRULCReserve for Unfunded Lending Commitments
DTLDeferred Tax LiabilityS&PStandard and Poor's
EaREarnings at RiskSBASmall Business Administration
ERMEnterprise Risk ManagementSBICSmall Business Investment Company
EVEEconomic Value of Equity at RiskSECSecurities and Exchange Commission
FASBFinancial Accounting Standards BoardSOFRSecured Overnight Financing Rate
FCAFinancial Conduct AuthorityTCBWThe Commerce Bank of Washington, a division of Zions Bancorporation, National Association
FDICFederal Deposit Insurance CorporationTDRTroubled Debt Restructuring
FHLBFederal Home Loan BankTier 1Common Equity Tier 1 (Basel III) and Additional Tier 1 Capital
FTPFunds Transfer PricingU.S.United States
GAAPGenerally Accepted Accounting PrinciplesVectraVectra Bank Colorado, a division of Zions Bancorporation, National Association
HECLHome Equity Credit LineZions Bancorporation, N.A.Zions Bancorporation, National Association
HTMHeld-to-MaturityZions BankZions Bank, a division of Zions Bancorporation, National Association


3


ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES
PART I.    FINANCIAL INFORMATION
ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
FORWARD-LOOKING INFORMATION
This quarterly report includes “forward-looking statements” as that term is defined in the Private Securities Litigation Reform Act of 1995. These statements are based on management’s current expectations and assumptions regarding future events or determinations, all of which are subject to known and unknown risks, uncertainties, and other factors that may cause our actual results, performance or achievements, industry trends, and results or regulatory outcomes to differ materially from those expressed or implied. Forward-looking statements include, among others:
statements with respect to the beliefs, plans, objectives, goals, targets, commitments, designs, guidelines, expectations, anticipations, and future financial condition, results of operations and performance of Zions Bancorporation, National Association and its subsidiaries (collectively “Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” “us”); and
statements preceded or followed by, or that include the words “may,” “might,” “can,” “continue,” “could,” “should,” “would,” “believe,” “anticipate,” “estimate,” “forecasts,” “expect,” “intend,” “target,” “commit,” “design,” “plan,” “projects,” “will,” and the negative thereof and similar words and expressions.
These forward-looking statements are not guarantees, nor should they be relied upon as representing management’s views as of any subsequent date. Actual results and outcomes may differ materially from those presented.
Although this list is not comprehensive, important factors that may cause such material differences include changes in general industry and economic conditions, including inflation; changes and uncertainties in legislation and fiscal, monetary, regulatory, trade and tax policies; changes in interest rates and uncertainty regarding the transition away from the London Interbank Offered Rate (“LIBOR”) toward other reference rates; the quality and composition of our loan and securities portfolios; competitive pressures and other factors that may affect aspects of our business, such as pricing, demand for our products and services, our ability to recruit and retain talent, including increased compensation expenses; our ability to execute our strategic plans, manage our risks, and achieve our business objectives; our ability to develop and maintain information security systems and controls designed to guard against fraud, cyber, and privacy risks; and the effects of the COVID-19 pandemic or other national or international crises or conflicts that may occur in the future and governmental responses to such matters. These factors, risks, and uncertainties, among others, are discussed in our 2020 Form 10-K and subsequent filings with the Securities and Exchange Commission.
We caution against the undue reliance on forward-looking statements, which reflect our views only as of the date they are made. Except to the extent required by law, we specifically disclaim any obligation to update any factors or to publicly announce the revisions to any of the forward-looking statements included herein to reflect future events or developments.
GAAP to NON-GAAP RECONCILIATIONS
This Form 10-Q presents non-GAAP financial measures, in addition to GAAP financial measures, to provide investors with additional information. The adjustments to reconcile from the applicable GAAP financial measures to the non-GAAP financial measures are presented in the following schedules. We consider these adjustments to be relevant to ongoing operating results as they provide a meaningful base for period-to-period and company-to-company comparisons. We use these non-GAAP financial measures to assess our performance, financial position, and for presentations of our performance to investors. We believe that presenting these non-GAAP financial measures permits investors to assess our performance on the same basis as that applied by our management and the financial services industry.
Non-GAAP financial measures have inherent limitations and are not necessarily comparable to similar capital measures that may be presented by other financial services companies. Although non-GAAP financial measures are

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES
frequently used by stakeholders to evaluate a company, they have limitations as an analytical tool and should not be considered in isolation or as a substitute for analysis of results reported under GAAP.
Tangible Common Equity and Related Measures
Tangible common equity and related measures are non-GAAP measures that exclude the impact of intangible assets and their related amortization. We believe these non-GAAP measures provide useful information about our use of shareholders’ equity and provide a basis for evaluating the performance of a business more consistently, whether acquired or developed internally.
RETURN ON AVERAGE TANGIBLE COMMON EQUITY (NON-GAAP)
Three Months Ended
(Dollar amounts in millions)September 30,
2021
June 30,
2021
September 30,
2020
Net earnings applicable to common shareholders, net of tax
(a)$234 $345 $167 
Average common equity (GAAP)$7,569 $7,436 $7,078 
Average goodwill and intangibles(1,015)(1,015)(1,015)
Average tangible common equity (non-GAAP)(b)$6,554 $6,421 $6,063 
Number of days in quarter(c)92 91 92 
Number of days in year(d)365 365 366 
Return on average tangible common equity (non-GAAP)
(a/b/c)*d14.2 %21.6 %11.0 %
TANGIBLE EQUITY RATIO, TANGIBLE COMMON EQUITY RATIO, AND TANGIBLE BOOK VALUE PER COMMON SHARE (ALL NON-GAAP MEASURES)
(Dollar amounts in millions, except per share amounts)September 30,
2021
June 30,
2021
September 30,
2020
Total shareholders’ equity (GAAP)$7,774 $8,033 $7,668 
Goodwill and intangibles(1,015)(1,015)(1,016)
Tangible equity (non-GAAP)(a)6,759 7,018 6,652 
Preferred stock(440)(440)(566)
Tangible common equity (non-GAAP)(b)$6,319 $6,578 $6,086 
Total assets (GAAP)$88,306 $87,208 $78,357 
Goodwill and intangibles(1,015)(1,015)(1,016)
Tangible assets (non-GAAP)(c)$87,291 $86,193 $77,341 
Common shares outstanding (thousands)(d)156,530 162,248 164,009 
Tangible equity ratio (non-GAAP)(a/c)7.7 %8.1 %8.6 %
Tangible common equity ratio (non-GAAP)(b/c)7.2 %7.6 %7.9 %
Tangible book value per common share (non-GAAP)(b/d)$40.37 $40.54 $37.11 

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Efficiency Ratio and Adjusted Pre-Provision Net Revenue
The efficiency ratio is a measure of operating expense relative to revenue. We believe the efficiency ratio provides useful information regarding the cost of generating revenue. The methodology of determining the efficiency ratio may differ among companies. We make adjustments to exclude certain items that are not generally expected to recur frequently, as identified in the subsequent schedule, which we believe allow for more consistent comparability among periods. Adjusted noninterest expense provides a measure as to how well we are managing our expenses; adjusted pre-provision net revenue (“PPNR”) enables management and others to assess our ability to generate capital to cover credit losses through a credit cycle. Taxable-equivalent net interest income allows us to assess the comparability of revenue arising from both taxable and tax-exempt sources.
EFFICIENCY RATIO (NON-GAAP) AND ADJUSTED PRE-PROVISION NET REVENUE (NON-GAAP)
Three Months EndedNine Months EndedYear Ended
(Dollar amounts in millions)September 30,
2021
June 30,
2021
September 30,
2020
September 30,
2021
September 30,
2020
December 31,
2020
Noninterest expense (GAAP)(a)$429 $428 $442 $1,292 $1,279 $1,704 
Adjustments:
Severance costs
— — 
Other real estate expense, net
— — — — — 
Restructuring costs
— — — 
Pension termination-related (income) expense
— — — (5)28 28 
SBIC investment success fee accrual 1
(4)— — — 
Total adjustments
(b)(3)30 31 
Adjusted noninterest expense (non-GAAP)
(a-b)=(c)$432