v3.26.1
OPERATING SEGMENT INFORMATION (Tables)
 3 Months Ended
Mar. 31, 2026
Segment Reporting [Abstract]  
Schedule of Segment Reporting Information, by Segment
The following schedule presents selected operating segment information that is regularly provided to the CODM to evaluate performance and allocate resources for the three months ended March 31, 2026 and 2025:
Zions BankCB&TAmegy
(In millions)202620252026202520262025
SELECTED INCOME STATEMENT DATA
Net interest income 1
$182 $176 $163 $152 $144 $132 
Provision for credit losses(12)6 — 10 (1)3 
Net interest income after provision for credit losses194 170 163 142 145 129 
Noninterest income52 42 38 28 47 48 
Noninterest expense:
Salaries and employee benefits36 36 35 34 31 30 
Technology, telecom, and information processing4 4 1 1 2 2 
Occupancy and equipment, net7 7 9 8 8 9 
Other direct expenses 2
14 18 11 10 11 13 
Indirect/allocated expenses83 79 57 51 66 64 
Total noninterest expense144 144 113 104 118 118 
Income (loss) before taxes$102 $68 $88 $66 $74 $59 
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans$15,053 $14,834 $15,443 $14,675 $14,620 $13,953 
Total average deposits20,949 21,211 16,015 14,621 15,112 14,812 
NBAZNSBVectra
(In millions)202620252026202520262025
SELECTED INCOME STATEMENT DATA
Net interest income 1
$67 $64 $54 $53 $34 $35 
Provision for credit losses8 (8)4 — (3)8 
Net interest income after provision for credit losses59 72 50 53 37 27 
Noninterest income12 10 13 12 9 8 
Noninterest expense:
Salaries and employee benefits14 14 12 12 11 10 
Technology, telecom, and information processing1 1 1 1 1 1 
Occupancy and equipment, net3 3 3 3 3 3 
Other direct expenses 2
4 9 4 5 3 3 
Indirect/allocated expenses26 25 24 23 16 16 
Total noninterest expense48 52 44 44 34 33 
Income (loss) before taxes$23 $30 $19 $21 $12 $2 
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans$5,610 $5,701 $3,745 $3,657 $3,706 $3,921 
Total average deposits6,964 6,947 7,358 7,166 3,449 3,440 
TCBWOtherConsolidated Bank
(In millions)202620252026202520262025
SELECTED INCOME STATEMENT DATA
Net interest income 1
$20 $17 $(2)$(5)$662 $624 
Provision for credit losses(4)(3)1 2 (7)18 
Net interest income after provision for credit losses24 20 (3)(7)669 606 
Noninterest income2 2 14 21 187 171 
Noninterest expense:
Salaries and employee benefits3 3 219 203 361 342 
Technology, telecom, and information processing1 1 63 59 74 70 
Occupancy and equipment, net1 1 7 7 41 41 
Other direct expenses 2
1 1 38 26 86 85 
Indirect/allocated expenses4 3 (276)(261)— — 
Total noninterest expense10 9 51 34 562 538 
Income (loss) before taxes$16 $13 $(40)$(20)$294 $239 
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans$2,088 $1,964 $876 $930 $61,141 $59,635 
Total average deposits1,115 1,134 4,497 5,588 75,459 74,919 
1 Interest income is shown net of interest expense consistent with the information regularly provided to the CODM and used to evaluate segment performance.
2 Other direct expenses include professional and legal services, marketing and business development, deposit insurance and regulatory expense, credit-related expense, other real estate expense, and other noninterest expenses.
​