齐昂银行 2025年度报告

FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 forthe fiscal year ended December31, 2025 OR TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934for the transition period from ___________ to ___________COMMISSION FILE NUMBER 001-12307 A. Full title of the plan and the address of the plan, if different from that of the issuer named below: Zions Bancorporation, N.A. Payshelter 401(k) and Employee Stock Ownership Plan B. Name of issuer of the securities held pursuant to the plan and the address of its principal executive office: ZIONS BANCORPORATION, NATIONAL ASSOCIATIONOne South MainSalt Lake City, Utah 84133-1109 INDEX (a)Financial Statements and Supplemental Schedule –Zions Bancorporation, N.A. Payshelter 401(k) andEmployee Stock Ownership Plan Financial Statements and Supplemental Schedule Zions Bancorporation, N.A. Payshelter 401(k) andEmployee Stock Ownership Plan As of December31, 2025 and 2024 and for theYear Ended December31, 2025 with Report of Independent Registered Public Accounting Firm Zions Bancorporation, N.A. Payshelter 401(k) andEmployee Stock Ownership Plan Financial Statements and Supplemental ScheduleAs of December31, 2025 and 2024 and for theYear Ended December31, 2025 ContentsReport of Independent Registered Public Accounting Firm Financial Statements Statements of Net Assets Available for BenefitsStatement of Changes in Net Assets Available for Benefits Supplemental Schedule Schedule H, Line 4i – Schedule of Assets (Held at End of Year) Report of Independent Registered Public Accounting Firm To the Plan Participants and the Plan Administrator of Zions Bancorporation, N.A. Payshelter 401(k) andEmployee Stock Ownership Plan Opinion on the Financial Statements We have audited the accompanying statements of net assets available for benefits of Zions Bancorporation, N.A.Payshelter 401(k) and Employee Stock Ownership Plan (the Plan) as of December31, 2025 and 2024, and therelated statement of changes in net assets available for benefits for the year ended December31, 2025, and therelated notes (collectively referred to as the “financial statements”). In our opinion, the financial statements Basis for Opinion These financial statements are the responsibility of the Plan’s management. Our responsibility is to express anopinion on the Plan’s financial statements based on our audits. We are a public accounting firm registered withthe Public Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we planand perform the audit to obtain reasonable assurance about whether the financial statements are free of materialmisstatement, whether due to error or fraud. The Plan is not required to have, nor were we engaged to perform,an audit of its internal control over financial reporting. As part of our audits we are required to obtain an Our audits included performing procedures to assess the risks of material misstatement of the financialstatements, whether due to error or fraud, and performing procedures that respond to those risks. Suchprocedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financialstatements. Our audits also included evaluating the accounting principles used and significant estimates made Supplemental Schedule Required by ERISA The accompanying supplemental schedule of assets (held at end of year) as of December31, 2025 (referred toas the “supplemental schedule”), has been subjected to audit procedures performed in conjunction with the auditof the Plan’s financial statements. The information in the supplemental schedule is the responsibility of the underlying accounting and other records, as applicable, and performing procedures to test the completeness andaccuracy of the information presented in the supplemental schedule. In forming our opinion on the information,we evaluated whether such information, including its form and content, is presented in conformity with the /s/ Ernst & Young LLPWe have served as the Plan’s auditor since 2000.Salt Lake City, UtahJune25, 2026 Zions Bancorporation, N.A. Payshelter 401(k) andEmployee Stock Ownership Plan Year Ended December31, 2025 Zions Bancorporation, N.A. Payshelter 401(k) andEmployee Stock Ownership Plan Notes to Financial Statements 1.DESCRIPTION OF PLAN The following description of the Zions Bancorporation, N.A. Payshelter 401(k) and Employee Stock OwnershipPlan (“the Plan”) provides only general information. Participants should refer to the Plan document for a more General The Plan is a single employer defined contribution plan designed to provide retirement benefits for eligibleemployees under a salary reduction arrangement with a specified employer matching contribution and adiscretionary noncontributory profit sharing feature. The Plan is sub