Treasury
3-MO 4.27% +1bp 6-MO 4.37% +3bp 1-YR 4.50% +4bp 2-YR 4.77% +3bp 3-YR 4.85% +3bp 5-YR 4.94% +5bp 7-YR 5.04% +6bp 10-YR 5.15% +6bp 20-YR 5.53% +6bp 30-YR 5.48% +5bp 3-MO 4.27% +1bp 6-MO 4.37% +3bp 1-YR 4.50% +4bp 2-YR 4.77% +3bp 3-YR 4.85% +3bp 5-YR 4.94% +5bp 7-YR 5.04% +6bp 10-YR 5.15% +6bp 20-YR 5.53% +6bp 30-YR 5.48% +5bp 3-MO 4.27% +1bp 6-MO 4.37% +3bp 1-YR 4.50% +4bp 2-YR 4.77% +3bp 3-YR 4.85% +3bp 5-YR 4.94% +5bp 7-YR 5.04% +6bp 10-YR 5.15% +6bp 20-YR 5.53% +6bp 30-YR 5.48% +5bp 3-MO 4.27% +1bp 6-MO 4.37% +3bp 1-YR 4.50% +4bp 2-YR 4.77% +3bp 3-YR 4.85% +3bp 5-YR 4.94% +5bp 7-YR 5.04% +6bp 10-YR 5.15% +6bp 20-YR 5.53% +6bp 30-YR 5.48% +5bp 3-MO 4.27% +1bp 6-MO 4.37% +3bp 1-YR 4.50% +4bp 2-YR 4.77% +3bp 3-YR 4.85% +3bp 5-YR 4.94% +5bp 7-YR 5.04% +6bp 10-YR 5.15% +6bp 20-YR 5.53% +6bp 30-YR 5.48% +5bp 3-MO 4.27% +1bp 6-MO 4.37% +3bp 1-YR 4.50% +4bp 2-YR 4.77% +3bp 3-YR 4.85% +3bp 5-YR 4.94% +5bp 7-YR 5.04% +6bp 10-YR 5.15% +6bp 20-YR 5.53% +6bp 30-YR 5.48% +5bp
US Treasury par yield curve · Oct 19 · Source: U.S. Treasury
Monday, October 19, 2026
U.S. Edition
MONEY & WORLD
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Third-quarter results

Zions earnings rose 20 percent to $1.78 a share as charge-offs fell to $3m

Money & World
The Editorial Team ·
The upper floors of the Zions Bank tower in Salt Lake City, its name in lettering along the roofline, behind an ornate green street clock and the cornice of an older building.
Photo: Ben P L from Provo, USA / Wikimedia Commons (CC BY-SA 2.0)

Net charge-offs fell to $3 million. A year earlier the figure was $56 million, and that one line accounts for most of the change in Zions Bancorporation's third quarter. The Salt Lake City lender reported net earnings of $262 million and diluted earnings per share of $1.78 on October 19, against $221 million and $1.48 a year earlier, in an 8-K filed with the SEC after the market close.

Zions said the year-ago quarter carried $50 million of charge-offs on revolving credit lines to two related commercial borrowers that financed commercial mortgages. This time the provision for credit losses was a benefit of $8 million, against a $49 million expense. Chairman and Chief Executive Harris Simmons put the higher earnings down primarily to improved credit quality.

The lending side was flatter. Net interest income rose 2 percent to $684 million while the net interest margin slipped to 3.23 percent from 3.28 percent, and Simmons said a faster pace of loan payoffs in a competitive market left loans level with the second quarter at $62.5 billion. Customer deposits rose 5 percent from a year earlier to $74.5 billion. Earnings were down from the second quarter's $3.05 a share, which included a one-time gain on Visa shares.

The document: Zions Bancorporation, N.A., Form 8-K exhibit 99.1, Third Quarter 2026 Financial Results, filed October 19, 2026.

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