Zions Bancorp posted adjusted EPS of $1.56, topping the $1.42 consensus by $0.14.
Revenue fell to $849 million, missing estimates of $855.6 million, prompting the stock to decline 1.9%.
Net earnings rose 37% YoY to $232 million; net interest income increased 6% to $662 million and NIM expanded to 3.27%.
Loans grew 2% to $61.3B, deposits 2% to $76.9B; brokered deposits fell 20% and long‑term debt rose 104%.