v3.26.1
REVENUE FROM CONTRACTS WITH CUSTOMERS
 6 Months Ended
Jun. 30, 2026
Revenue Recognition and Deferred Revenue [Abstract]  
REVENUE FROM CONTRACTS WITH CUSTOMERS REVENUE FROM CONTRACTS WITH CUSTOMERS
Revenue from contracts with customers, including noninterest income within the scope of the applicable accounting guidance, is recognized when control of the promised goods or services is transferred to the customer. Revenue is measured at an amount that reflects the consideration we expect to be entitled in exchange for those goods or services. Incremental costs of obtaining a contract are expensed as incurred when the related amortization period is one year or less. For more information regarding revenue from contracts with customers, see Note 17 of our 2025 Form 10-K.
Disaggregation of Revenue
The following schedule presents revenue from contracts with customers disaggregated by operating segment and reconciles those amounts to total noninterest income for the three months ended June 30, 2026 and 2025. Customer-related noninterest income from other sources represents revenue earned from customers that falls outside the scope of the applicable accounting guidance for revenue from contracts with customers.
Zions BankCB&TAmegy
(In millions)202620252026202520262025
Commercial account fees
$16 $15 $8 $8 $16 $15 
Card fees 1
12 12 4 5 8 7 
Retail and business banking fees
6 5 4 3 4 4 
Capital markets fees and income 2
1 — — 1 2 — 
Wealth management fees4 4 2 1 5 5 
Other customer-related fees2 2 3 2 1 1 
Total noninterest income from contracts with customers
41 38 21 20 36 32 
Customer-related noninterest income from other sources
7 10 12 11 9 8 
Total customer-related noninterest income
48 48 33 31 45 40 
Noncustomer-related noninterest income
(1)1 5 1 5 3 
Total noninterest income
$47 $49 $38 $32 $50 $43 
NBAZNSBVectra
(In millions)202620252026202520262025
Commercial account fees
$3 $3 $3 $3 $2 $2 
Card fees 1
4 4 4 4 2 2 
Retail and business banking fees
3 2 3 3 1 1 
Capital markets fees and income 2
— — — — — — 
Wealth management fees1 1 2 2 1 1 
Other customer-related fees— — — — 1 1 
Total noninterest income from contracts with customers
11 10 12 12 7 7 
Customer-related noninterest income from other sources
2 1 1 1 1 1 
Total customer-related noninterest income
13 11 13 13 8 8 
Noncustomer-related noninterest income
1 (1)— — — 3 
Total noninterest income
$14 $10 $13 $13 $8 $11 
TCBNWOtherConsolidated Bank
(In millions)202620252026202520262025
Commercial account fees
$1 $1 $— $(1)$49 $46 
Card fees 1
— 1 2 1 36 36 
Retail and business banking fees
— — (1)— 20 18 
Capital markets fees and income 2
— — 3 1 6 2 
Wealth management fees— — (1)(1)14 13 
Other customer-related fees— — 9 9 16 15 
Total noninterest income from contracts with customers
1 2 12 9 141 130 
Customer-related noninterest income from other sources
1 — 8 2 41 34 
Total customer-related noninterest income
2 2 20 11 182 164 
Noncustomer-related noninterest income
— — 268 19 278 26 
Total noninterest income
$2 $2 $288 $30 $460 $190 
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 exclude revenue related to real estate capital markets, swaps, loan syndications, foreign exchange activities, and net credit valuation adjustment (“CVA”), as these items are not within the scope of the applicable accounting guidance for revenue from contracts with customers.
The following schedule presents revenue from contracts with customers disaggregated by operating segment and reconciles those amounts to total noninterest income for the six months ended June 30, 2026 and 2025. Customer-related noninterest income from other sources represents revenue earned from customers that falls outside the scope of the applicable accounting guidance for revenue from contracts with customers.
Zions BankCB&TAmegy
(In millions)202620252026202520262025
Commercial account fees
$32 $30 $17 $16 $31 $31 
Card fees 1
25 24 9 9 15 15 
Retail and business banking fees
11 10 7 6 9 8 
Capital markets fees and income 2
1 — 1 1 2 8 
Wealth management fees8 8 3 3 10 9 
Other customer-related fees4 4 6 4 2 2 
Total noninterest income from contracts with customers
81 76 43 39 69 73 
Customer-related noninterest income from other sources
16 14 25 18 21 14 
Total customer-related noninterest income
97 90 68 57 90 87 
Noncustomer-related noninterest income
2 1 8 3 7 5 
Total noninterest income
$99 $91 $76 $60 $97 $92 
NBAZNSBVectra
(In millions)202620252026202520262025
Commercial account fees
$6 $5 $6 $6 $4 $3 
Card fees 1
8 8 8 8 5 5 
Retail and business banking fees
5 4 6 6 2 2 
Capital markets fees and income 2
— — — — — — 
Wealth management fees2 2 4 3 1 1 
Other customer-related fees— — — — 3 2 
Total noninterest income from contracts with customers
21 19 24 23 15 13 
Customer-related noninterest income from other sources
3 1 2 2 2 3 
Total customer-related noninterest income
24 20 26 25 17 16 
Noncustomer-related noninterest income
1 (1)— — — 3 
Total noninterest income
$25 $19 $26 $25 $17 $19 
TCBNWOtherConsolidated Bank
(In millions)202620252026202520262025
Commercial account fees
$1 $1 $— $(1)$97 $91 
Card fees 1
1 1 (1)— 70 70 
Retail and business banking fees
— — — (1)40 35 
Capital markets fees and income 2
— — 5 3 9 12 
Wealth management fees— — — 1 28 27 
Other customer-related fees1 1 15 15 31 28 
Total noninterest income from contracts with customers
3 3 19 17 275 263 
Customer-related noninterest income from other sources
1 1 9 6 79 59 
Total customer-related noninterest income
4 4 28 23 354 322 
Noncustomer-related noninterest income
— — 275 28 293 39 
Total noninterest income
$4 $4 $303 $51 $647 $361 
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 exclude revenue related to real estate capital markets, swaps, loan syndications, foreign exchange activities, and net credit valuation adjustment (“CVA”), as these items are not within the scope of the applicable accounting guidance for revenue from contracts with customers.
Revenue from contracts with customers did not result in significant contract assets or contract liabilities. Contract receivables are included in “Other assets” on the consolidated balance sheet. Although payment terms vary based on the nature of the services provided, the interval between satisfying performance obligations and receiving payment is generally short and not considered significant.