v3.25.2
REVENUE FROM CONTRACTS WITH CUSTOMERS
 6 Months Ended
Jun. 30, 2025
Revenue Recognition and Deferred Revenue [Abstract]  
REVENUE FROM CONTRACTS WITH CUSTOMERS REVENUE FROM CONTRACTS WITH CUSTOMERS
Noninterest income and revenue from contracts with customers are recognized when control of the promised goods or services is transferred to customers, in an amount that reflects the consideration to which we expect to be entitled in exchange for those goods or services. We recognize noninterest income from certain contracts with customers upon satisfaction of the related contractual performance obligations. For more information regarding revenue from contracts with customers, see Note 17 of our 2024 Form 10-K.
Disaggregation of Revenue
The following schedule presents revenue from contracts with customers and provides a reconciliation to total noninterest income by operating business segment for the three months ended June 30, 2025 and 2024. Customer-related noninterest income from other sources represents revenue earned from customers that is not within the scope of the applicable accounting guidance for revenue from contracts with customers.
Zions BankCB&TAmegy
(In millions)202520242025202420252024
Commercial account fees
$15 $14 $8 $8 $15 $14 
Card fees 1
12 13 5 4 7 8 
Retail and business banking fees
5 5 3 3 4 3 
Capital markets fees and income 2, 3
— — 1 — — — 
Wealth management fees4 5 1 1 5 5 
Other customer-related fees2 2 2 2 1 2 
Total noninterest income from contracts with customers
38 39 20 18 32 32 
Customer-related noninterest income from other sources
10 6 11 10 8 7 
Total customer-related noninterest income
48 45 31 28 40 39 
Noncustomer-related noninterest income 3
1 2 1 2 3 3 
Total noninterest income
$49 $47 $32 $30 $43 $42 
NBAZNSBVectra
(In millions)202520242025202420252024
Commercial account fees
$3 $3 $3 $4 $2 $2 
Card fees 1
4 4 4 4 2 3 
Retail and business banking fees
2 2 3 2 1 1 
Capital markets fees and income 2, 3
— — — — — — 
Wealth management fees1 1 2 2 1 — 
Other customer-related fees— — — — 1 1 
Total noninterest income from contracts with customers
10 10 12 12 7 7 
Customer-related noninterest income from other sources
1 1 1 — 1 — 
Total customer-related noninterest income
11 11 13 12 8 7 
Noncustomer-related noninterest income 3
(1)(1)— 4 3 — 
Total noninterest income
$10 $10 $13 $16 $11 $7 
TCBWOtherConsolidated Bank
(In millions)202520242025202420252024
Commercial account fees
$1 $1 $(1)$(1)$46 $45 
Card fees 1
1 1 1 — 36 37 
Retail and business banking fees
— — — — 18 16 
Capital markets fees and income 2, 3
— — 1 1 2 1 
Wealth management fees— — (1)(1)13 13 
Other customer-related fees— — 9 7 15 14 
Total noninterest income from contracts with customers
2 2 9 6 130 126 
Customer-related noninterest income from other sources
— — 2 4 34 28 
Total customer-related noninterest income
2 2 11 10 164 154 
Noncustomer-related noninterest income 3
— — 19 15 26 25 
Total noninterest income
$2 $2 $30 $25 $190 $179 
1 Card fees exclude costs associated with reward programs that are netted against interchange fees, as these costs fall outside the scope of the applicable accounting guidance for revenue from contracts with customers.
2 Capital markets fees and income excludes revenue related to real estate capital markets, swaps, loan syndications, foreign exchange activities, and fair value and nonhedge derivative income, as these items are not within the scope of the applicable accounting guidance for revenue from contracts with customers.
3 Effective the first quarter of 2025, capital markets fees and income includes fair value and nonhedge derivative income. These amounts were previously disclosed under noncustomer-related noninterest income. No other income statement line items were affected by these changes and reclassifications. Prior period amounts have been reclassified for comparative purposes.
The following schedule presents revenue from contracts with customers and provides a reconciliation to total noninterest income by operating business segment for the six months ended June 30, 2025 and 2024. Customer-
related noninterest income from other sources represents revenue from customers that falls outside the scope of the applicable accounting guidance for revenue from contracts with customers.
Zions BankCB&TAmegy
(In millions)202520242025202420252024
Commercial account fees
$30 $28 $16 $15 $31 $29 
Card fees 1
24 25 9 10 15 15 
Retail and business banking fees
10 9 6 6 8 7 
Capital markets fees and income 2, 3
— — 1 — 8 — 
Wealth management fees8 11 3 2 9 9 
Other customer-related fees4 4 4 4 2 3 
Total noninterest income from contracts with customers
76 77 39 37 73 63 
Customer-related noninterest income from other sources
14 10 18 16 14 15 
Total customer-related noninterest income
90 87 57 53 87 78 
Noncustomer-related noninterest income 3
1 3 3 3 5 5 
Total noninterest income
$91 $90 $60 $56 $92 $83 
NBAZNSBVectra
(In millions)202520242025202420252024
Commercial account fees
$5 $5 $6 $7 $3 $3 
Card fees 1
8 8 8 8 5 5 
Retail and business banking fees
4 4 6 5 2 2 
Capital markets fees and income 2, 3
— — — — — — 
Wealth management fees2 2 3 3 1 1 
Other customer-related fees— 1 — — 2 2 
Total noninterest income from contracts with customers
19 20 23 23 13 13 
Customer-related noninterest income from other sources
1 1 2 1 3 — 
Total customer-related noninterest income
20 21 25 24 16 13 
Noncustomer-related noninterest income 3
(1)(1)— 4 3 — 
Total noninterest income
$19 $20 $25 $28 $19 $13 
TCBWOtherConsolidated Bank
(In millions)202520242025202420252024
Commercial account fees
$1 $1 $(1)$1 $91 $89 
Card fees 1
1 1 — — 70 72 
Retail and business banking fees
— — (1)— 35 33 
Capital markets fees and income 2, 3
— — 3 2 12 2 
Wealth management fees— — 1 (1)27 27 
Other customer-related fees1 — 15 14 28 28 
Total noninterest income from contracts with customers
3 2 17 16 263 251 
Customer-related noninterest income from other sources
1 1 6 10 59 54 
Total customer-related noninterest income
4 3 23 26 322 305 
Noncustomer-related noninterest income 3
— — 28 16 39 30 
Total noninterest income
$4 $3 $51 $42 $361 $335 
1 Card fees exclude costs associated with reward programs that are netted against interchange fees, as these costs are not within the scope of applicable accounting guidance for revenue from contracts with customers.
2 Capital markets fees and income excludes revenue associated with real estate capital markets, swaps, loan syndications, foreign exchange activities, and fair value and nonhedge derivative income, as the related fees and income are not within the scope of applicable accounting guidance for revenue from contracts with customers.
3 Effective the first quarter of 2025, capital markets fees and income includes fair value and nonhedge derivative income, which was previously disclosed under noncustomer-related noninterest income.
Revenue from contracts with customers did not result in the recognition of significant contract assets and liabilities. Contract receivables are included in “Other assets” on the consolidated balance sheet. Payment terms vary by the nature of the services provided; however, the time between the satisfaction of performance obligations and receipt of payment is generally not significant.