Zions Bancorp NA

ZION: XNAS (USA)

Morningstar Rating for Stocks	Fair Value	Economic Moat	Capital Allocation
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Zions Earnings: Previously Disclosed Fraud Issue Blemishes Otherwise Solid Quarter

Rajiv Bhatia

Oct 21, 2025

Zions had good underlying third-quarter results with earnings up 8% year over year. Net charge-offs of $56 million were due to fraud at two loans tied to nondepositary financial institutions. Excluding this, net charge-offs were $6 million, which annualized is just 0.04% of loans.

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Zions Bancorp NA

Zions Earnings: Previously Disclosed Fraud Issue Blemishes Otherwise Solid Quarter

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