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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-K

(Mark One)

☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2019

OR

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Registrant’s telephone number, including area code: (801) 844-7637

Securities registered pursuant to Section 12(b) of the Act:

Securities registered pursuant to Section 12(g) of the Act: None.

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ý No ¨

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes ¨ No ý

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ý No ¨

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ý No ¨

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer ý Accelerated filer ¨ Non-accelerated filer ¨ Smaller reporting company ☐ Emerging growth company ¨

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ¨ No ý

Aggregate Market Value of Common Stock Held by Non-affiliates at June 30, 2019    $8,004,067,633

Number of Common Shares Outstanding at February 6, 2020        164,919,353 shares

Documents Incorporated by Reference: Part III of this Annual Report on Form 10-K incorporates by reference specified portions of Zions Bancorporation, National Association's Proxy Statement for its 2020 Annual Meeting of Shareholders, which the registrant anticipates will be filed with the Securities and Exchange Commission approximately March 19, 2020.

FORM 10-K TABLE OF CONTENTS

						Page
PART I
Item 1.			Business			5
Item 1A.			Risk Factors			14
Item 1B.			Unresolved Staff Comments			23
Item 2.			Properties			23
Item 3.			Legal Proceedings			23
Item 4.			Mine Safety Disclosures			23
PART II
Item 5.			Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities			24
Item 6.			Selected Financial Data			26
Item 7.			Management’s Discussion and Analysis of Financial Condition and Results of Operations			27
Item 7A.			Quantitative and Qualitative Disclosures About Market Risk			79
Item 8.			Financial Statements and Supplementary Data			79
Item 9.			Changes in and Disagreements with Accountants on Accounting and Financial Disclosure			151
Item 9A.			Controls and Procedures			151
Item 9B.			Other Information			151
PART III
Item 10.			Directors, Executive Officers and Corporate Governance			151
Item 11.			Executive Compensation			151
Item 12.			Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters			151
Item 13.			Certain Relationships and Related Transactions, and Director Independence			152
Item 14.			Principal Accounting Fees and Services			152
PART IV
Item 15.			Exhibits, Financial Statement Schedules			152
Signatures									158