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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

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

www.zionsbancorporation.com

Fourth Quarter 2025 Financial Results: FOR IMMEDIATE RELEASE

Investor Contact: Shannon Drage (801) 844-8208

Media Contact: Jennifer Johnston (801) 844-7112

Zions Bancorporation, N.A. reports 4Q25 Net Earnings of $262 million, diluted EPS of $1.76

compared with 4Q24 Net Earnings of $200 million, diluted EPS of $1.34, and 3Q25 Net Earnings of $221 million, diluted EPS of $1.48

2025 Annual Net Earnings of $895 million, diluted EPS of $6.01, compared with 2024 Annual Net Earnings of $737 million, diluted EPS of $4.95

FOURTH QUARTER RESULTS

$1.76$262 million17.9%11.5%

Net earnings per diluted

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

FOURTH QUARTER HIGHLIGHTS¹

Net Interest Income and NIM • Net interest income was $683 million, up 9%

• NIM was 3.31%, compared with 3.05%

Operating Performance • Pre-provision net revenue² ("PPNR") was $356 million, up 10%; adjusted PPNR² was $331 million, up 6%

• Customer-related noninterest income was $177 million, up 1%, and up 4% for full year 2025

• Noninterest expense was $546 million, up 7%; adjusted noninterest expense² was $548 million, up 8%, and up 5% when excluding the $15 million charitable contribution during the quarter

Loans and Credit Quality • Loans and leases were $60.9 billion, up 3%

• The annualized ratio of net loan and lease charge-offs to average loans and leases was 0.05%, compared with 0.24%

• The provision for credit losses was $6 million, compared with $41 million

•

Nonperforming assets were $320 million, or 0.52% of loans and leases and other real estate owned, compared with $298 million, or 0.50%

• Classified loans were $2.4 billion, or 3.91% of loans and leases, compared with $2.9 billion, or 4.83%

Deposits and Borrowed Funds • Total deposits were $75.6 billion, down 1%; customer deposits (excluding brokered deposits) were $71.8 billion, up 1%

• Short-term borrowings, primarily composed of secured borrowings, were $3.1 billion, down 19%

Capital • The estimated CET1 capital ratio was 11.5%, compared with 10.9%

• Tangible book value per common share was $40.79, up 21%

Other Notable Items • Net unrealized gains for SBIC investments were $11 million, or $0.06 per share ($13 million unrealized gains less $2 million success fee accrual)

• FDIC Special Assessment accrual reversal of $9 million, or $0.05 per share

CEO COMMENTARY

Harris H. Simmons, Chairman and CEO of Zions Bancorporation, commented, “We’re pleased with fourth quarter results, with earnings per share rising 31% to $1.76 from the prior year’s quarterly earnings of $1.34. Adjusted taxable-equivalent revenue increased 7.1% to $879 million, while adjusted noninterest expense rose 7.7% to $548 million. The adjusted quarterly operating expense includes a $15 million donation to the Zions Bancorporation Foundation, which will be used over the coming three years to make charitable donations that we expect would otherwise have been nondeductible as a result of recent tax law changes that became effective on January 1. Excluding this donation, adjusted operating expenses would have increased 4.7%, resulting in positive operating leverage during the quarter of 2.4%, and an efficiency ratio of 60.6%.”

Mr. Simmons continued, “Credit quality was strong during the quarter, with annualized net charge-offs totaling 0.05% of loans. Capital continued to strengthen, with tangible book value per share rising 21% over the past twelve months, and the Common Equity Tier 1 capital ratio strengthening to 11.5% from 10.9% a year ago. Both loans and deposits grew at a 4.1% annualized rate during the quarter, and the net interest margin continued to improve, reaching 3.31%, up from 3.28% last quarter and 3.05% a year ago.”

Mr. Simmons concluded, “Results for the full year 2025 continued to demonstrably strengthen relative to 2024. Earnings per share increased 21%, while adjusted taxable equivalent revenue rose 7.4% and adjusted operating expenses grew 4.8%, or 4.0% when excluding the $15 million donation. We’re looking forward to continued prudent growth in the coming year.”

OPERATING PERFORMANCE2

(In millions)Three Months Ended December 31,Twelve Months Ended December 31,

2025202420252024

Net Interest Margin3.31 %3.05 %3.21 %3.00 %

Adjusted PPNR3 $331$312$1,266$1,131

Net charge-offs$7$36$89$60

Efficiency ratio3 62.3 %62.0 %62.6 %64.2 %

1 Comparisons noted in the bullet points are calculated for the current quarter compared with the same prior year period unless otherwise specified.

2 For information on non-GAAP financial measures, see pages 18-21.

3 Excluding the $15 million charitable contribution, adjusted PPNR for the three and twelve months ended December 31, 2025, would have been $346 million and $1.28 billion, respectively, with corresponding