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Zions Bancorporation, N.A. One South Main Salt Lake City, UT 84133 October 19, 2026

www.zionsbancorporation.com

Third Quarter 2026 Financial Results: FOR IMMEDIATE RELEASE

Investor Contact: Jason Arbuckle (801) 844-7665

Media Contact: Jennifer Johnston (801) 844-7112

Zions Bancorporation, N.A. reports 3Q26 net earnings of $262 million and diluted EPS of $1.78

compared with 3Q25 net earnings of $221 million and diluted EPS of $1.48, and 2Q26 net earnings of $452 million and diluted EPS of $3.05

THIRD QUARTER RESULTS

$1.78$262 million16.2%11.8%

Net earnings per diluted

common share Net earnings Return on average tangible common equity2 Estimated common equity tier 1 ratio

THIRD QUARTER HIGHLIGHTS¹

Net Interest Income and NIM • Net interest income was $684 million, up 2%

• NIM was 3.23%, compared with 3.28%

Operating Performance • Pre-provision net revenue² ("PPNR") was $340 million, down 1%

•

Customer-related noninterest income was $192 million, up 18%; adjusted customer-related noninterest income2 was $182 million, up 5%

• Noninterest expense was $553 million, up 5%; adjusted noninterest expense² was $549 million, up 6%

Loans and Credit Quality • Loans and leases were $62.5 billion, up 4%

• The annualized ratio of net loan and lease charge-offs to average loans and leases was 0.02%, compared with 0.37%

• The provision for credit losses was a benefit of $8 million, compared with an expense of $49 million

•

Nonperforming assets were $315 million, or 0.50% of loans and leases and other real estate owned, compared with $324 million, or 0.54%

• Classified loans were $2.1 billion, or 3.40% of loans and leases, compared with $2.4 billion, or 4.00%

Deposits and Borrowed Funds • Total deposits were $77.9 billion, up 4%; customer deposits (excluding brokered deposits) were $74.5 billion, up 5%

• Brokered deposits were $3.5 billion, down 9%; short-term borrowings were $843 million, down 76%

• Long-term debt was $2.4 billion, up 64%, due to senior note issuances over the past year

Capital • The estimated CET1 capital ratio was 11.8%, compared with 11.3%

• Tangible book value per common share was $43.50, up 13%

Notable Items • Acquisition of Basis Multifamily Finance agency lending platform completed in July 2026

• Net credit valuation adjustment (“CVA”) gain on client-related interest rate swaps of $10 million, or $0.05 per share

CEO COMMENTARY

Harris H. Simmons, Chairman and CEO of Zions Bancorporation, commented, “Third quarter earnings per share increased 20% to $1.78, up from $1.48 a year ago. The higher earnings were primarily a reflection of improved credit quality, as net loan charge-offs were $3 million, down from $56 million a year ago. Although an increased pace of loan payoffs, combined with a highly competitive market, produced flat loan growth compared to the second quarter, customer deposits grew nearly 10% annualized from second quarter levels.”

Mr. Simmons continued, “Short- and medium-term interest rates began to rise in the last month of the quarter, and we expect that our moderately asset-sensitive balance sheet should produce stronger net interest income in a higher rate environment, while we're seeing continued improvement in noninterest income that we expect will continue into next year.”

Mr. Simmons concluded, “We were pleased to complete the acquisition of Basis Multifamily Finance I, LLC, a subsidiary of Basis Investment Group, at the end of July. This multifamily finance platform becomes an important strategic advantage in serving our commercial real estate clients, particularly in the fast-growing western markets we serve.”

OPERATING PERFORMANCE2

(In millions)Three Months Ended September 30,Nine Months Ended September 30,

2026202520262025

Net Interest Margin3.23 %3.28 %3.26 %3.18 %

Adjusted PPNR2 $338$352$971$935

Net charge-offs$3$56$16$82

Efficiency ratio2 61.9 %59.6 %63.0 %62.7 %

1 Comparisons referenced in the bullet points are calculated based on the current quarter versus the corresponding period in the prior year, unless otherwise noted.

2 For information on non-GAAP financial measures, see pages 19-22.

ZIONS BANCORPORATION, N.A.

Press Release – Page 2

Comparisons noted below are calculated for the current quarter versus the same prior year period, unless otherwise specified. Growth rates of 100% or more are considered not meaningful (“NM”) as they typically reflect a low starting point.

RESULTS OF OPERATIONS

Net Interest Income and Margin

3Q26 - 2Q263Q26 - 3Q25

(In millions)3Q262Q263Q25$%$%

Interest and fees on loans$877$859$898$18 2 %$(21)(2)%

Interest on money market investments53434110 23 12 29

Interest on securities116117125(1)(1)(9)(7)

Total interest income 1,0461,0191,06427 3 (18)(2)

Interest on deposits31328131332 11 — —

Interest on short- and long-term borrowings496179(12)(20)(30)(38)

Total interest expense 36234239220 6 (30)(8)

Net interest income $684$677$672$7

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Zions Bancorporation, N.A. One South Main Salt Lake City, UT 84133 July 20, 2026

www.zionsbancorporation.com

Second Quarter 2026 Financial Results: FOR IMMEDIATE RELEASE

Investor Contact: Dave Riches (801) 844-7752

Media Contact: Jennifer Johnston (801) 844-7112

Zions Bancorporation, N.A. reports 2Q26 Net Earnings of $452 million, diluted EPS of $3.05 (or $1.74 excluding notable items)

compared with 2Q25 Net Earnings of $243 million, diluted EPS of $1.63 (or $1.58 excluding notable items), and 1Q26 Net Earnings of $232 million, diluted EPS of $1.56

SECOND QUARTER RESULTS

$3.05$452 million28.6%11.8%

Net earnings per diluted

common share Net earnings Return on average tangible common equity2 Estimated common equity tier 1 ratio

SECOND QUARTER HIGHLIGHTS¹

Net Interest Income and NIM • Net interest income was $677 million, up 4%

• NIM was 3.27%, compared with 3.17%, and remained flat compared with the prior quarter

Operating Performance • Pre-provision net revenue² ("PPNR") was $597 million, up 84%, and included pre-tax net gains of $252 million; adjusted PPNR² was $332 million, up 5% (see notable items below)

• Customer-related noninterest income was $182 million, up 11%

• Noninterest expense was $551 million, up 5%; adjusted noninterest expense² was $546 million, up 5%

Loans and Credit Quality • Loans and leases were $62.5 billion, up 3%

• The annualized ratio of net loan and lease charge-offs to average loans and leases was 0.06%, compared with 0.07%

• The provision for credit losses was $3 million, compared with a negative $1 million

•

Nonperforming assets were $298 million, or 0.48% of loans and leases and other real estate owned, compared with $313 million, or 0.51%

• Classified loans were $2.3 billion, or 3.72% of loans and leases, compared with $2.7 billion, or 4.43%

Deposits and Borrowed Funds • Total deposits were $76.6 billion, up 4%; customer deposits (excluding brokered deposits) were $72.7 billion, up 4%

• Brokered deposits remained flat at $3.9 billion; short-term borrowings were $1.2 billion, down 79%

• Long-term debt was $2.0 billion, up 102%, due to senior note issuances over the past year

Capital • The estimated CET1 capital ratio was 11.8%, compared with 11.0%

• Tangible book value per common share was $44.74, up 22%

Notable Items • Gain on sale of Visa Class B-1 shares was $215 million, or $1.12 per share

• Net unrealized gains from SBIC investments were $37 million, or $0.19 per share ($44 million unrealized gains less $7 million success fee accrual), compared with $9 million, or $0.05 per share

CEO COMMENTARY

Harris H. Simmons, Chairman and CEO of Zions Bancorporation, commented, “We’re very pleased with the quarterly results, as earnings per share, excluding net equity investment gains, increased 10% to $1.74, compared to $1.58 in the same period a year ago. Net equity investment gains of $215 million on Visa Class B-1 shares and $37 million on SBIC investments added $1.12 and $0.19 per share, respectively, compared to net equity investment gains of $9 million, or $0.05 per share a year ago.”

Mr. Simmons continued, “We’re particularly pleased with the organic growth in customer-related noninterest income, which increased 11% over last year’s period, with particularly strong growth from capital markets activities, and solid growth in a variety of other categories. While loan growth compared to last year’s quarter was modest at 3%, annualized linked-quarter growth was strong at 8%. Deposits grew 4% from last year and were seasonally lower compared to the first quarter.”

Mr. Simmons concluded, “We’re also encouraged by strong growth in tangible book value per share, which increased 22% to $44.74 from $36.81, while our Common Equity Tier 1 capital ratio further strengthened to 11.8% from 11.0% a year ago. At the same time, we’re proud of our ongoing solid credit results, with annualized net charge-offs of 0.06%.”

OPERATING PERFORMANCE2

(In millions)Three Months Ended June 30,Six Months Ended June 30,

2026202520262025

Net Interest Margin3.27 %3.17 %3.27 %3.14 %

Adjusted PPNR3 $332$316$633$583

Net charge-offs$9$10$13$26

Efficiency ratio3 62.2 %62.2 %63.6 %64.4 %

1 Comparisons referenced in the bullet points are calculated based on the current quarter versus the corresponding period in the prior year, unless otherwise noted.

2 For information on non-GAAP financial measures, see pages 19-22. Excluding $252 million of pre-tax net gains, return on average tangible common equity for the three months ended June 30, 2026 would have been 16.6%.

ZIONS BANCORPORATION, N.A.

Press Release – Page 2

Comparisons noted below are calculated for the current quarter versus the same prior year period, unless otherwise specified. Growth rates of 100% or more are considered not meaningful (“NM”) as they typically reflect a low starting point.

RESULTS OF OPERATIONS

Net Interest Income and Margin

2Q26 - 1Q262Q2

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Zions Bancorporation, N.A. One South Main Salt Lake City, UT 84133 April 20, 2026

www.zionsbancorporation.com

First Quarter 2026 Financial Results: FOR IMMEDIATE RELEASE

Investor Contact: Andrea Christoffersen (801) 844-7190

Media Contact: Jennifer Johnston (801) 844-7112

Zions Bancorporation, N.A. reports 1Q26 Net Earnings of $232 million, diluted EPS of $1.56

compared with 1Q25 Net Earnings of $169 million, diluted EPS of $1.13, and 4Q25 Net Earnings of $262 million, diluted EPS of $1.76

FIRST QUARTER RESULTS

$1.56$232 million15.5%11.5%

Net earnings per diluted

common share Net earnings Return on average tangible common equity2 Estimated common equity tier 1 ratio

FIRST QUARTER HIGHLIGHTS¹

Net Interest Income and NIM • Net interest income was $662 million, up 6%

• NIM was 3.27%, compared with 3.10%, and down from 3.31% in the prior quarter

Operating Performance • Pre-provision net revenue² ("PPNR") was $298 million, up 11%; adjusted PPNR² was $301 million, up 13%

• Customer-related noninterest income was $172 million, up 9%

• Noninterest expense was $562 million, up 4%; adjusted noninterest expense² was $558 million, up 5%

Loans and Credit Quality • Loans and leases were $61.3 billion, up 2%

• The annualized ratio of net loan and lease charge-offs to average loans and leases was 0.03%, compared with 0.11%

• The provision for credit losses was negative $7 million, compared with positive $18 million

•

Nonperforming assets were $292 million, or 0.48% of loans and leases and other real estate owned, compared with $307 million, or 0.51%

• Classified loans were $2.3 billion, or 3.80% of loans and leases, compared with $2.9 billion, or 4.82%

Deposits and Borrowed Funds • Total deposits were $76.9 billion, up 2%; customer deposits (excluding brokered deposits) were $73.1 billion, up 3%

• Brokered deposits were $3.8 billion, down 20%; short-term borrowings were $382 million, down 89%

• Long-term debt was $2.0 billion, up 104%, due to recent issuances of senior notes

Capital • The estimated CET1 capital ratio was 11.5%, compared with 10.8%

• Tangible book value per common share was $41.75, up 19%

CEO COMMENTARY

Harris H. Simmons, Chairman and CEO of Zions Bancorporation, commented, “Our first quarter results were solid, with diluted earnings per share rising 38% to $1.56 from $1.13 in the same quarter last year. Adjusted pre-tax pre-provision net revenue increased 13%, as adjusted taxable-equivalent revenue rose 7.4% and adjusted operating expenses increased 4.7%, resulting in positive operating leverage of 2.7%. We were particularly pleased to achieve broad-based strong growth in customer-related noninterest income, which increased 9% over the same quarter last year. Credit quality was strong, with net loan losses to average loans of a mere 0.03% annualized, and a 19% decrease in classified loans over the past year.”

Mr. Simmons continued, “Our funding profile has continued to strengthen, with total customer deposits growing $2.2 billion over the past year and long-term debt increasing $1.0 billion, while brokered deposits and short-term borrowings decreased $3.8 billion. Tangible common equity also continues to improve, having increased 19% over the past year.”

Mr. Simmons concluded, “During the quarter we were pleased to reach an agreement to acquire the agency lending business of Basis Multifamily Finance I, LLC, a subsidiary of Basis Investment Group. Subject to required approvals, the acquisition will enable us to offer multifamily housing clients an expanded set of permanent financing solutions as an originator, underwriter, and servicer of loans made through government-sponsored agency programs including the Fannie Mae DUS® program, and the Freddie Mac Optigo® Conventional and Small Balance Loan programs.”

OPERATING PERFORMANCE2

(In millions)Three Months Ended March 31,

20262025

Net Interest Margin3.27 %3.10 %

Adjusted PPNR3 $301$267

Net charge-offs$4$16

Efficiency ratio3 65.0 %66.6 %

1 Comparisons referenced in the bullet points are calculated based on the current quarter versus the corresponding period in the prior year, unless otherwise noted. The effective tax rate was 20.7% at March 31, 2026, compared with 28.9% at March 31, 2025, primarily due to a required revaluation of deferred tax assets resulting from new state tax legislation enacted during the prior year quarter.

2 For information on non-GAAP financial measures, see pages 17-19.

ZIONS BANCORPORATION, N.A.

Press Release – Page 2

Comparisons noted below are calculated for the current quarter versus the same prior year period, unless otherwise specified. Growth rates of 100% or more are considered not meaningful (“NM”) as they typically reflect a low starting point.

RESULTS OF OPERATIONS

Net Interest Income and Margin

1Q26 - 4Q251Q26 - 1Q25

(In millions)1Q264Q251Q25$%$%

Interest and fees on loans$841$878$850$(37)(4)%$(9)(1)%

Interest on mon