Zions Bancorporation NA has released its financial results for the first quarter of 2025, reporting net earnings to common shareholders of $169 million. This figure reflects a $31 million decline compared to the previous quarter, but a $26 million improvement over the same period last year. The company's diluted earnings per share for the quarter stood at $1.13, compared to $1.34 in the fourth quarter of 2024 and $0.96 in the first quarter of 2024. The bank's net interest margin increased to 3.10%, marking a rise of 5 basis points from the prior quarter and 16 basis points compared to the previous year. This increase was attributed to term deposit repricing outpacing earning asset repricing. Adjusted pre-provision net revenue experienced a 14% decline from the previous quarter but showed a 10% increase over the prior year. Average loans grew by 0.5% versus the previous quarter, while average customer deposits experienced a seasonal decline of 1.2%. The bank reported a net charge-off ratio of 0.11% of loans, annualized. Total assets for Zions Bancorporation amounted to $88.0 billion, with total loans and deposits at $59.9 billion and $75.7 billion, respectively. The Common Equity Tier 1 Capital Ratio was reported at 10.8%, and the bank's credit ratings from S&P, Fitch, and Kroll were BBB+, with varying outlooks.