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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 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 July 29, 2022                        150,471,375 shares

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION
Table of Contents















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Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION
GLOSSARY OF ACRONYMS AND ABBREVIATIONS
ACLAllowance for Credit LossesIPOInitial Public Offering
AFSAvailable-for-SaleIRSInternal Revenue Service
ALLLAllowance for Loan and Lease LossesLIBORLondon Interbank Offered Rate
AmegyAmegy Bank, a division of Zions Bancorporation, National AssociationMunicipalitiesState and Local Governments
AMERIBORAmerican Interbank Offered RateNAICSNorth American Industry Classification System
AOCIAccumulated Other Comprehensive IncomeNASDAQNational Association of Securities Dealers Automated Quotations
ASCAccounting Standards CodificationNBAZNational Bank of Arizona, a division of Zions Bancorporation, National Association
ASUAccounting Standards UpdateNIMNet Interest Margin
BOLIBank-Owned Life InsuranceNMNot Meaningful
bpsBasis PointsNSBNevada State Bank, a division of Zions Bancorporation, National Association
BSBYBloomberg Short-Term Bank YieldOCCOffice of the Comptroller of the Currency
CB&TCalifornia Bank & Trust, a division of Zions Bancorporation, National AssociationOCIOther Comprehensive Income
CECLCurrent Expected Credit LossOREOOther Real Estate Owned
CLTVCombined Loan-to-Value RatioPEIPrivate Equity Investment
CMT
Constant Maturity Treasury
PPNRPre-provision Net Revenue
CRECommercial Real EstatePPPPaycheck Protection Program
CVACredit Valuation AdjustmentROURight-of-Use
DTADeferred Tax AssetRULCReserve for Unfunded Lending Commitments
EaREarnings at RiskS&PStandard & Poor's
EPSEarnings per ShareSBAU.S. Small Business Administration
EVEEconomic Value of EquitySBICSmall Business Investment Company
FASBFinancial Accounting Standards BoardSECSecurities and Exchange Commission
FDICFederal Deposit Insurance CorporationSOFRSecured Overnight Financing Rate
FHLBFederal Home Loan BankTCBWThe Commerce Bank of Washington, a division of Zions Bancorporation, National Association
FRBFederal Reserve BoardTDRTroubled Debt Restructuring
FTPFunds Transfer PricingU.K.United Kingdom
GAAPGenerally Accepted Accounting PrinciplesU.S.United States
HECLHome Equity Credit LineVectraVectra Bank Colorado, a division of Zions Bancorporation, National Association
HTMHeld-to-MaturityZions BankZions Bank, a division of Zions Bancorporation, National Association
IMGInternational Manufacturing Group

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION
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 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 and reference rates; the quality and composition of our loan and securities portfolios; our ability to recruit and retain talent, including increased competition for qualified candidates as a result of expanded remote-work opportunities and increased compensation expenses; competitive pressures and other factors that may affect aspects of our business, such as pricing, demand for our products and services; 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; the effects of the COVID-19 pandemic (including variants) and associated actions that may affect our business, employees, and communities; the effects of the ongoing conflict in Eastern Europe and other local, national, or international disasters, crises, or conflicts that may occur in the future; and governmental and social responses to environmental issues and climate change. These factors, risks, and uncertainties, among others, are discussed in our 2021 Form 10-K and subsequent filings with the Securities and Exchange Commission (“SEC”).
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 generally accepted accounting principles (“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 and 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.

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION
Non-GAAP financial measures have inherent limitations and are not necessarily comparable to similar financial measures that may be presented by other financial services companies. Although non-GAAP financial measures are 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)June 30,
2022
March 31,
2022
June 30,
2021
Net earnings applicable to common shareholders, net of tax
(a)$195 $195 $345 
Average common equity (GAAP)$5,582 $6,700 $7,436 
Average goodwill and intangibles(1,015)(1,015)(1,015)
Average tangible common equity (non-GAAP)(b)$4,567 $5,685 $6,421 
Number of days in quarter(c)91 90 91 
Number of days in year(d)365 365 365 
Return on average tangible common equity (non-GAAP)
(a/b/c)*d17.1 %13.9 %21.6 %
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)June 30,
2022
March 31,
2022
June 30,
2021
Total shareholders’ equity (GAAP)$5,632 $6,294 $8,033 
Goodwill and intangibles(1,015)(1,015)(1,015)
Tangible equity (non-GAAP)(a)4,617 5,279 7,018 
Preferred stock(440)(440)(440)
Tangible common equity (non-GAAP)(b)$4,177 $4,839 $6,578 
Total assets (GAAP)$87,784 $91,126 $87,208 
Goodwill and intangibles(1,015)(1,015)(1,015)
Tangible assets (non-GAAP)(c)$86,769 $90,111 $86,193 
Common shares outstanding (thousands)(d)150,471 151,348 162,248 
Tangible equity ratio (non-GAAP)(a/c)5.3 %5.9 %8.1 %
Tangible common equity ratio (non-GAAP)(b/c)4.8 %5.4 %7.6 %
Tangible book value per common share (non-GAAP)(b/d)$27.76 $31.97 $40.54 

5


ZIONS BANCORPORATION, NATIONAL ASSOCIATION
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 across periods. Adjusted noninterest expense provides a measure as to how we are managing our expenses; adjusted pre-provision net revenue (“PPNR”) enables management and others to assess our ability to generate capital. 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 EndedSix Months EndedYear Ended
(Dollar amounts in millions)June 30,
2022
March 31,
2022
June 30,
2021
June 30,
2022
June 30,
2021
December 31,
2021
Noninterest expense (GAAP)(a)$464 $464 $428 $928 $863 $1,741 
Adjustments:
Severance costs
— — — 
Other real estate expense, net
— — — — 
Amortization of core deposit and other intangibles
— — — — — 
Pension termination-related (income) expense 1