Conference Call Participants
John Pancari – Evercore ISI Institutional Equities, Research Division
David Smith – Truist Securities, Inc., Research Division
Manan Gosalia – Morgan Stanley, Research Division
Bernard Von Gizycki – Deutsche Bank AG, Research Division
Benjamin Gerlinger – Citigroup Inc., Research Division
David Chiaverini – Jefferies LLC, Research Division
Christopher McGratty – Keefe, Bruyette, & Woods, Inc., Research Division
Kenneth Usdin – Bernstein Autonomous LLP
Peter Winter – D.A. Davidson & Co., Research Division
David Rochester – Cantor Fitzgerald & Co., Research Division
Anthony Elian – JPMorgan Chase & Co, Research Division
Sun Young Lee – TD Cowen, Research Division
Christopher Spahr – Wells Fargo Securities, LLC, Research Division
Jon Arfstrom – RBC Capital Markets, Research Division
Presentation
Operator
Greetings, and welcome to the Zions Bancorp Second Quarter Earnings Conference Call. [Operator Instructions] Please note that this conference is being recorded. I’ll now turn the call over to Dave Riches. Thank you, Dave. You may begin.
Dave Riches
Thank you, Julian, and good evening, everyone. Welcome to our conference call to discuss Zions Bank Corporation’s Second Quarter 2026 results. My name is Dave Riches, Interim Director of Investor Relations. Before we begin, I would like to remind you that during this call, we will be making forward-looking statements. Actual results may differ materially. We encourage you to review the forward-looking statements and non-GAAP disclosures in our press release and on Slide 2 of today’s presentation, which apply equally to statements made during this call.
A copy of the earnings release and the presentation are available at zionsbancorporation.com. For our agenda today, Chairman and Chief Executive Officer, Harris Simmons, will










