Zions Bancorporation reported strong financial results for the second quarter of 2025, with net earnings applicable to common shareholders reaching $243 million. This translates to $1.63 per diluted common share, representing a 27% increase over the prior year period's $190 million, or $1.28 per diluted common share. Adjusted pre-provision net revenue also saw a 14% increase.
The net interest margin continued its upward trend, improving to 3.17% from 2.98% a year ago, driven by favorable funding costs. Customer-related noninterest income rose by 7%, contributing positively to overall revenue. Average loans increased 4% over the last year, while average deposits remained relatively flat.
Credit results were solid, with net charge-offs at only 7 basis points of average loans. Harris H. Simmons, Chairman and CEO, noted that the economy performed better than expected earlier in the year. Management expressed incremental optimism about growth in the back half of the year, indicating a positive outlook.
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