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REVENUE FROM CONTRACTS WITH CUSTOMERS
 9 Months Ended
Sep. 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 September 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
$17 $15 $8 $8 $16 $15 
Card fees 1
13 12 4 4 8 8 
Retail and business banking fees
6 6 4 4 5 4 
Capital markets fees and income 2
— — — 1 — — 
Wealth management fees4 4 2 2 5 5 
Other customer-related fees2 2 3 2 1 1 
Total noninterest income from contracts with customers
42 39 21 21 35 33 
Customer-related noninterest income from other sources
14 10 11 9 12 13 
Total customer-related noninterest income
56 49 32 30 47 46 
Noncustomer-related noninterest income
1 — 1 1 3 3 
Total noninterest income
$57 $49 $33 $31 $50 $49 
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
2 2 3 3 1 1 
Capital markets fees and income 2
— — — — — 1 
Wealth management fees1 1 2 2 1 1 
Other customer-related fees— — — — 2 1 
Total noninterest income from contracts with customers
10 10 12 12 8 8 
Customer-related noninterest income from other sources
2 2 1 1 1 1 
Total customer-related noninterest income
12 12 13 13 9 9 
Noncustomer-related noninterest income
— — — — — — 
Total noninterest income
$12 $12 $13 $13 $9 $9 
TCBNWOtherConsolidated Bank
(In millions)202620252026202520262025
Commercial account fees
$— $1 $— $— $49 $47 
Card fees 1
— — 1 1 36 35 
Retail and business banking fees
— — — (1)21 19 
Capital markets fees and income 2
— — 2 2 2 4 
Wealth management fees— — — (2)15 13 
Other customer-related fees1 — 6 9 15 15 
Total noninterest income from contracts with customers
1 1 9 9 138 133 
Customer-related noninterest income from other sources
— 1 13 (7)54 30 
Total customer-related noninterest income
1 2 22 2 192 163 
Noncustomer-related noninterest income
— — — 22 5 26 
Total noninterest income
$1 $2 $22 $24 $197 $189 
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 nine months ended September 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
$49 $45 $25 $24 $47 $46 
Card fees 1
37 37 13 13 22 22 
Retail and business banking fees
18 16 11 10 13 11 
Capital markets fees and income 2
1 — 1 2 3 9 
Wealth management fees12 12 5 4 15 13 
Other customer-related fees6 6 8 6 4 4 
Total noninterest income from contracts with customers
123 116 63 59 104 105 
Customer-related noninterest income from other sources
30 23 37 28 33 27 
Total customer-related noninterest income
153 139 100 87 137 132 
Noncustomer-related noninterest income
3 2 9 4 10 8 
Total noninterest income
$156 $141 $109 $91 $147 $140 
NBAZNSBVectra
(In millions)202620252026202520262025
Commercial account fees
$8 $7 $9 $9 $6 $5 
Card fees 1
12 11 12 12 7 7 
Retail and business banking fees
8 7 9 8 3 3 
Capital markets fees and income 2
— — — — — 1 
Wealth management fees3 3 6 5 2 1 
Other customer-related fees1 1 — 1 4 4 
Total noninterest income from contracts with customers
32 29 36 35 22 21 
Customer-related noninterest income from other sources
5 3 3 3 3 4 
Total customer-related noninterest income
37 32 39 38 25 25 
Noncustomer-related noninterest income
1 (1)— — — 3 
Total noninterest income
$38 $31 $39 $38 $25 $28 
TCBNWOtherConsolidated Bank
(In millions)202620252026202520262025
Commercial account fees
$1 $2 $1 $— $146 $138 
Card fees 1
1 1 2 2 106 105 
Retail and business banking fees
— — (1)(1)61 54 
Capital markets fees and income 2
— — 6 4 11 16 
Wealth management fees— — — 2 43 40 
Other customer-related fees2 1 21 20 46 43 
Total noninterest income from contracts with customers
4 4 29 27 413 396 
Customer-related noninterest income from other sources
2 2 20 (1)133 89 
Total customer-related noninterest income
6 6 49 26 546 485 
Noncustomer-related noninterest income
— — 275 49 298 65 
Total noninterest income
$6 $6 $324 $75 $844 $550 
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.