Regions Financial (NYSE: RF) outlines 2026 growth, credit and capital outlook

Q: What were Regions Financial (RF) key financial results for 1Q26?

Regions reported $539 million in net income available to common shareholders for 1Q26 and diluted EPS of $0.62 . Total revenue was $1.873 billion , non‑interest expense $1.068 billion , and the efficiency ratio was 56.6% , reflecting disciplined cost control.

Q: How did Regions Financial (RF) perform on net interest income and margin?

Net interest income was $1.261 billion in 1Q26 with a net interest margin of 3.67% . The company attributes performance to balance sheet repricing, hedging, and lower interest‑bearing deposit costs, which fell 13 bps quarter over quarter to support margin stability.

Q: What is Regions Financial’s (RF) 2026 outlook for net interest income?

Regions expects 2026 net interest income to grow 2.5–4% versus 2025’s $4.991 billion . Management cites fixed‑rate asset turnover, funding cost management, and low single‑digit loan growth as key drivers, assuming a mostly stable yield curve and modestly lower short‑term rates.

Q: How strong is Regions Financial’s (RF) capital and liquidity position?

At 1Q26, the common equity Tier 1 ratio was 10.7% , or 9.4% inclusive of AOCI. Total liquidity sources were $67.9 billion , including cash at the Federal Reserve, unencumbered securities, and borrowing capacity, giving coverage of about 178% of uninsured deposits.

Q: What credit quality trends did Regions Financial (RF) report?

Net charge‑offs were 0.54% of average loans in 1Q26, down 5 bps from 4Q25, reflecting progress in previously identified portfolios. The allowance for credit losses was $1.647 billion , or 1.68% of loans, with coverage of non‑performing loans at 238% , indicating solid reserves.

Q: What operating leverage and expense guidance did Regions Financial (RF) give for 2026?

Regions expects adjusted positive operating leverage in 2026. Adjusted non‑interest income is projected to rise 3–5% , while adjusted non‑interest expense should increase 1.5–3.5% versus 2025’s $4.331 billion , including continued investments in growth and technology.

Filing Impact

(High)

Filing Sentiment

(Neutral)

Form Type

8-K

Rhea-AI Filing Summary

Regions Financial Corporation is providing institutional investors with an updated overview of its operations, balance sheet and 2026 outlook. For 1Q26, net income available to common shareholders was $539 million, or $0.62 per diluted share, on total revenue of $1.873 billion and an efficiency ratio of 56.6%.

Net interest income was $1.261 billion with a fully taxable equivalent net interest margin of 3.67%, supported by low-cost deposits and active hedging. Credit quality remains solid, with net charge-offs at 0.54% of average loans and an allowance for credit losses of 1.68% of loans, covering 238% of non‑performing loans.

The company expects full‑year 2026 net interest income to grow 2.5–4%, adjusted non‑interest income to rise 3–5%, and adjusted non‑interest expense to increase 1.5–3.5%, while targeting positive operating leverage and net charge‑offs of 40–50 bps. Regions plans to manage its common equity Tier 1 ratio inclusive of AOCI around the midpoint of a 9.25–9.75% operating range and highlights ongoing investments in technology, data, and AI to support long‑term growth.

8-K Event Classification

2 items: 7.01, 9.01

2 items

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

Net income to common: $539M Diluted EPS: $0.62 Total revenue: $1.873B +5 more

8 metrics

Net income to common $539M 1Q26 net income available to common shareholders

Diluted EPS $0.62 1Q26 diluted earnings per share

Total revenue $1.873B 1Q26 total revenue

Net interest income $1.261B 1Q26 net interest income

Net interest margin 3.67% 1Q26 fully taxable equivalent NIM

Net charge-offs ratio 0.54% 1Q26 net charge-offs as % of average loans

ACL coverage 238% Allowance for credit losses as % of non‑performing loans, 1Q26

2026 NII growth guidance 2.5–4% Expected 2026 net interest income growth vs 2025

Key Terms

Net Interest Margin, Pre-Tax Pre-Provision Income, Allowance for Credit Losses, Common Equity Tier 1 ratio, +2 more

6 terms

Net Interest Margin financial

"NII decreased 2.6% QoQ; NIM decreased 3bps to 3.67%"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

Pre-Tax Pre-Provision Income financial

"Pre-Tax Pre-Provision Income(1) $805M Efficiency Ratio 56.6%"

Pre-tax pre-provision income is a banking measure of how much a lender earns from its normal operations before subtracting taxes and the money set aside to cover bad loans. Think of it as a car’s engine power measured before adding safety equipment and fuel costs: it shows the underlying earning strength and how much cushion the bank has to absorb future losses or support dividends. Investors use it to compare core profitability across banks and to judge resilience during credit stress.

Allowance for Credit Losses financial

"ACL declined $39M as improved asset quality... ACL ratio down 8bps to 1.68%"

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

Common Equity Tier 1 ratio financial

"1Q CET1 (inclusive of AOCI) was 9.4%(1)(6); In near-term, expect to manage around the mid-point"

The common equity tier 1 ratio is a measure of a bank's financial strength, showing how much high-quality core capital it has compared to its total risk-weighted assets. Think of it as a safety buffer or cushion that helps ensure the bank can withstand economic shocks. For investors, a higher ratio indicates a stronger, more resilient bank, making it a key indicator of its financial health.

Basel III Endgame regulatory

"the Federal Reserve released a notice of proposed rulemaking (NPR) to implement B3E"

tangible common equity financial

"Tangible Common Equity (1) Non-GAAP, see Appendix for reconciliation."

Tangible common equity is the portion of a company’s net worth that belongs to ordinary shareholders after removing intangible items (like goodwill or patents) and any preferred claims; it’s often expressed on a per-share basis. Think of it as the hard, sellable value left for common owners if you removed non-physical assets and paid off debts—investors use it to judge how much real cushion a company has and whether the stock might be under- or over-valued.

Understanding 8-K Material Events →

05/11/2026 - 05:00 PM

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): May 11, 2026

REGIONS FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

Delaware

001-34034

63-0589368

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

1900 Fifth Avenue North

Birmingham, Alabama 35203

(Address, including zip code, of principal executive office)

Registrant’s telephone number, including area code: (800) 734-4667

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:


☐			Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $.01 par value

New York Stock Exchange

Depositary Shares, each representing a 1/40th Interest in a Share of

5.700% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series C

RF PRC

New York Stock Exchange

Depositary Shares, each representing a 1/40th Interest in a Share of

4.45% Non-Cumulative Perpetual Preferred Stock, Series E

RF PRE

New York Stock Exchange

Depositary Shares, each representing a 1/40th Interest in a Share of

Non-Cumulative Perpetual Preferred Stock, Series F

RF PRF

New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

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. ¨

Item 7.01 Regulation FD Disclosure.

Regions Financial Corporation (“Regions” or the “Company”) executives will make various presentations regarding, among other things, the Company’s operations and performance, to institutional investors at various meetings and events during the months of May and June 2026.

A copy of the materials to be used at these various meetings and events (the “Presentation Materials”) is being furnished as Exhibit 99.1 to this report, substantially in the form intended to be used. Exhibit 99.1 is incorporated by reference under this Item 7.01. The Presentation Materials are also available on Regions’ website at www.regions.com.

In accordance with general instruction B.2. of Form 8-K, the information included in and incorporated by reference under this Item 7.01 is being furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as may be expressly set forth by specific reference in any such filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.


Exhibit Number						Description of Exhibit

99.1						Copy of Presentation Materials that Regions Financial Corporation intends to provide to institutional investors at various meetings during the months of May and June 2026.
104						Cover Page Interactive Data (embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.



REGIONS FINANCIAL CORPORATION

By:						/s/ Karin K. Allen
Name:						Karin K. Allen
Title:						Executive Vice President and Chief Accounting Officer

Date: May 11, 2026

Internal Use Investor Information May - June Exhibit 99.1

2 Topic Page # Profile and Strategy 3-12 Asset / Liability Management 13-25 Fees & Expenses 26-33 Business Segment Highlights 34-41 Loans & Deposits 42-53 Capital, Debt & Liquidity 54-59 Investments in Tech, Digital, & Ops 60-63 Credit 64-70 Near-Term Expectations 71 Appendix & Forward Looking Statements 72-84 Table of Contents

3 Longstanding Strategic Priorities Committed to: • Diversified Revenue Streams • Appropriate Risk Adjusted Returns • Disciplined Expense Management Profitability Strategically Investing in: • Above median organic loan & deposit growth over the last 5 yrs vs. peers(1) • Opportunities to leverage superior growth of the core footprint: 3.5% projected population growth(2) • Non-bank M&A, expanding products and capabilities • Talent, technology, products & services, driving organic growth Growth Relentless focus on: • Client selectivity • Credit Risk Management • Interest Rate Risk Management • Capital and Liquidity Management • Operational & Compliance Risk Management Soundness (1) Source: S&P Cap IQ and SEC Reporting. Avg loan and deposit balance changes from FY20 to FY25. Peer balances have been adjusted for bank merger & acquisition activity: CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION. Peer median excludes RF. (2) Source: S&P Cap IQ. Generating Consistent Sustainable Long-term Performance

4 Strong Growth Profile Attractive Footprint and Strong Brand Presence Home field advantage in the southeast Regions HQ Retail Branch Footprint Specialized Lending Nationwide Winning in Core Markets Building trust & serving clients for over 170 years Strong Profitability/Returns Supported by: ☑ Low Cost Core Deposits ☑ Strong Brand ☑ Loyal Customer Base ☑ Employer / Bank of Choice 19th Ranked 19th in the U.S. in total deposits(1) ~70% Top 5 market share in ~70% of MSAs across 15-state footprint(1) ~90% ~90% of deposits reside in top 8 states by deposits ~$5,400 Average consumer NIB account balance(3) 11 of 15 Unemployment rates in 11 of our 15 state footprint remain at or below the national average(2) (including 6/8 of our top deposit states) 3.5% Regions' deposit weighted population growth by MSA for 2026-2031 is 3.5% vs. national average of 2.6%(1) 16 of 25 16 of Regions' top 25(1) MSAs are projected to grow faster than the U.S. national average (1) Source: S&P Cap IQ. Top 25 market share as defined by deposit dollars - FDIC as of 6/30/2025; pro-forma for announced M&A transactions as of 4/21/2026. Top 5 share based on MSA and non-MSA counties. S&P's demographic data is provided by Claritas based primarily on 2024 U.S. Census data. (2) Source: U.S. Bureau of Labor Statistics. (3) Based on 1Q26 average balances.

5 ‘26-‘31 Population Growth 2.58% 3.53% 6.21% US Regions Footprint Priority Markets Priority Market Growth Opportunities(1) 5.7% 6.7% 4.2% 5.7% 8.3% 7.3% 7.9% 7.3% Nashville Tampa Atlanta Miami/SFL Orlando Dallas/FW Huntsville Houston Building on Our Success Strategic investments in priority markets driving deposit expansion (1) Priority markets include: Tampa, Orlando, Miami/SFL, Houston, Dallas/FW, Nashville, Atlanta, and Huntsville. (2) RF deposits in Priority Markets as of June 2025. Data Source: FDIC Deposit Data. (3) Source: S&P Capital IQ. S&P's demographic data is provided by Claritas based primarily on 2024 U.S. Census data. All S&P Cap IQ data pulls as of 2/4/2026. (4) $ in billions. Nat'l avg: 2.6% Priority Markets '26-'31 Projected Population Growth(3) 58% vs. 41% Regions Deposit Growth(1) since '19 Outpacing Market Continuing to Invest in Priority Markets(2) Proven Track Record of Success... Maximizing Growth Opportunities (3) $1.6T Deposit Opportunity (RF $40B)(2) Building on success with incremental investments supporting growth while maintaining advantage in core businesses and markets. 7 of 8 Priority Markets(1) Gaining Share since 2019 $14.6B Deposit Growth in Priority Markets(1) since 2019 Deposits(4) Mkt Share Rank $9.6 9.7% 3 $7.5 8.4% 5 $6.3 2.6% 7 $5.7 1.7% 13 $2.9 4.2% 5 $2.8 0.7% 19 $2.7 22.3% 1 $2.4 0.7% 16

6 Investing in Banker Expansion (1) As of 3/31/2026. Progress includes ~43% completion of incremental banker and revenue-enablement hires, with retail banker reskilling and reallocations largely complete. (2) FY25 vs FY24. Investing in People and Technology Expanding talent and capabilities in markets with greatest opportunity Personalization Powered by AI ☑ CashFlowIQ ☑ RegionsClientIQ • Provides bill payment, accounts payable and receivable, and invoice generation – streamlining all the tools needed to run a business • A machine-learning data product for Commercial and Treasury Management RMs to prioritize client opportunities, plan quality conversations,and flag early credit and client attrition risk ☑ SmallBusinessIQ ☑ Mortgage Analytics Pro • Identifies personalized solutions for small business owners • Insights for mortgage lending officers ☐ Deposit System ☑Core installed/tested, ancillary systems integrated ☐ Comprehensive testing and piloting 2026 ☐ Customer Migration 2027 ☐ General Ledger Investments in Technology ☑ New Native Mobile App ☐ Small Business Digital Origination Platform ☐ Deposits Summer 2026 ☐ Lending 2H26 ☐ Commercial Loan System ☐ Integration Summer 2026 Modernizing the Customer Experience 80% >40% Of new relationship originations attributable to priority markets Driven by investments in Commercial and Treasury Management talent +33% Branch banker productivity improvement Enabled by ~600 retail banker reskilling and reallocation >15% Increase in branch referrals to Ascentium and Regions Investment Services (RegIS) Early Results... 3-Year Associate Impact ~870 • Hiring ~170 incremental bankers across Middle Market, Small Business, TM, Mortgage, and Wealth • Adding ~100 revenue-enablement roles to support banker productivity • Reskilling and reallocating ~600 retail bankers toward small business and mass affluent customers, primarily across high- growth markets Overall Initiative: ~80% Complete(1) All Time High in Small Business Customer Satisfaction (2) (2) ~ (2)

7 Regions Honored for Extraordinary Excellence in 2025 For the fifth consecutive year, Regions Bank was recognized as a 2025 Silver Status Military Friendly and Military Spouse Friendly Employer In 2026, Regions Bank was again named a Gallup Exceptional Workplace Award Winner for Engagement for the 12th consecutive year. For the fifth consecutive year, Regions Bank was named a 2025 Best Place to Work for Disability Inclusion by the Disability Equality Index Regions ranked #1 in America’s Best Customer Service 2025 and is the most highly rated commercial bank by Newsweek. Regions Bank was ranked 1st among regional banks in JD Powers Online Banking Satisfaction StudySM . For the second consecutive year, in 2025, Regions Bank has earned the No. 2 spot on American Banker’s ‘Top 20 Banks by Reputation’ list. Regions recognized as a gold winner of the 2025 Datos Impact Award for best innovation in product development. In 2025, for the eighth consecutive year, Fannie Mae has recognized Regions Mortgage for excellence in loan servicing Regions is proud to be rated No. 1 in customer satisfaction among traditional banks by the American Customer Satisfaction Index Regions Investment Management recognized for the fifth consecutive year as a top workplace for its strong culture, employee engagement, and supportive programs. Regions Wealth Management’s Global Private Banking awards underscore its client-first, planning-led approach and excellence in trust and wealth planning.

8 Regions' Consistent Outperformance Sustained advantage in risk efficiency Adjusted PPI(1) Less Net Charge-offs to RWA(2) 1.96% 1.99% 2.30% 2.47% 2.31% 2.09% 2.19% 2.18% 1.97% 1.79% 1.89% 1.95% 1.92% 1.77% 1.83% 1.90% RF Peer Median 2019 2020 2021 2022 2023 2024 2025 1Q26 (1) Non-GAAP; see Appendix for reconciliation. (2) Source: S&P Capital IQ. Risk-weighted Assets (RWA) used in the analysis represents the simple average of the 4 quarterly disclosed amounts for each year (some peers are estimated in the current quarter). Peers include CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION. Regions' earnings, including credit costs, have been top quartile vs peers since 2019

9 9.0% 9.7% 11.0% 17.6% 14.9% 9.2% 21.4% 24.1% 21.9% 17.8% 18.2% 18.3% 12.0% 10.3% 12.9% 16.0% 14.4% 8.4% 16.1% 18.1% 15.0% 14.4% 15.1% 13.3% RF Peer Median 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1Q26 (1) Non-GAAP; see Appendix for RF reconciliation. Peers' source is S&P Cap IQ and includes CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION. (2) As of 12/31/2025. (3) Peers with a net loss in the base year are omitted from the dataset. Rank: 1 Rank: 1 Rank: 1Rank: 1 5 Year EPS CAGR 31% 21% 17% 15% 15% 14% 13% 12% 11% 9% 4% 4% —% Peer 1 Peer 2 RF Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 1 0 Peer 1 1 Peer 1 2 10 Year EPS CAGR 26% 19% 18% 13% 12% 10% 9% 8% 6% 6% 6% 4% 4% 4% Peer 1 Peer 1 2 Peer 4 Peer 1 3 RF Peer 7 Peer 8 Peer 2 Peer 5 Peer 6 Peer 3 Peer 1 0 Peer 9 Peer 1 1 Peer Leading ROATCE(1) For 5 Straight Years Peer Median: 12% Peer Median: 8% (2)(3) (2)(3) Leading with Consistently Strong Growth Metrics Supports a higher P/E multiple Rank: 1 Rank: 1

10 5 Year Total Shareholder Return 129% 73% 68% 60% 60% 55% 49% 42% 33% 28% 25% 24% 17% —% Peer 4 Peer 5 Peer 1 Peer 1 2 Peer 6 RF Peer 3 Peer 8 Peer 1 3 Peer 7 Peer 1 0 Peer 2 Peer 9 Peer 1 1 3 Year Total Shareholder Return 126% 116% 96% 96% 91% 91% 89% 84% 66% 61% 60% 59% 43% 40% Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 RF Peer 1 0 Peer 1 1 Peer 1 2 Peer 1 3 Total Shareholder Return Strong track record of Shareholder Returns 10 Year Total Shareholder Return 677% 377% 315% 295% 264% 241% 214% 175% 148% 148% 143% 107% 84% 81% Peer 4 RF Peer 1 Peer 3 Peer 5 Peer 8 Peer 2 Peer 7 Peer 1 0 Peer 6 Peer 1 2 Peer 1 1 Peer 9 Peer 1 3 Peer Median: 89% Peer Median: 42% Peer Median: 175% As of 3/31/2026. Peers' include CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION.

11 Above Median Organic Loan and Deposit Growth Consistent, disciplined growth 5 Yr Loan Growth excl. Bank M&A 14% 14% 10% 10% 9% 6% 5% 3% 3% 2% 2% (1)% (2)% (5)% Peer 1 Peer 2 Peer 3 RF Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 1 0 Peer 1 1 Peer 1 2 Peer 1 3 Source: S&P Cap IQ and SEC Reporting. Avg loan & deposit balance changes cover FY20 to FY25. Peer balances have been adjusted for bank merger & acquisition activity: CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION. Peer median excludes RF. Peer Median: 3% 5 Yr Deposit Growth excl. Bank M&A 18% 17% 17% 17% 17% 12% 10% 9% 9% 4% 2% (1)% (1)% (5)% Peer 1 Peer 2 Peer 7 Peer 3 RF Peer 4 Peer 1 3 Peer 6 Peer 9 Peer 1 2 Peer 8 Peer 5 Peer 1 0 Peer 1 1 Peer Median: 9%

12 Highlights • Consistently generating top-quartile returns in our peer group(2) • Sustained strong momentum into the first quarter, with loan and deposit growth and continued improvement in credit metrics • Benefiting from a stable and engaged customer base, with generally constructive sentiment across businesses and consumers • Advancing core transformation and technology initiatives, including upcoming deployment of the commercial lending system and small business digital origination platform, with core deposit system testing also underway • Investing in near-term growth and future capabilities, with strong progress on strategic growth hiring initiative and targeted product investments across all three lines of business First Quarter Overview Continue to deliver consistent, sustainable long-term performance (1) Non-GAAP, see appendix for reconciliation. In certain instances no adjustments have been made and the resulting "adjusted" figure is therefore equal to the reported amount and no reconciliation has been provided. (2) Peers include CFG, FCNCA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SSB, TFC, USB, ZION. Key Performance Metrics 1Q26 Net Income Available to Common Shareholders $539M Diluted Earnings Per Share $0.62 Total Revenue $1,873M Non-Interest Expense $1,068M Pre-Tax Pre-Provision Income(1) $805M Efficiency Ratio 56.6% Net-Charge Offs / Avg Loans 0.54% Return on Average Tangible Common Equity(1) 18.26%

13 1Q NII and NIM Drivers • NII decreased 2.6% QoQ; NIM decreased 3bps to 3.67% • NII decline primarily attributable to: ◦ Two fewer days and expected impact of 4Q non-recurring items ◦ Loan spread compression from market conditions and remixing into highly rated credits and public sector entities • Well protected from short-term rate declines given hedging and ability to manage deposit costs lower ◦ 1Q interest-bearing deposit cost(5) -13bps QoQ ◦ 1Q cycle-to-date interest-bearing beta(6) = 35% • New production fixed-rate asset yields continue to benefit from elevated long-term interest rates • Late quarter loan growth expected to benefit 2Q and beyond NII & Margin Performance Well protected margin with NII growth from balance sheet repricing and expansion $1,206 $1,294 $1,261 3.52% 3.70% 3.67% 1Q25 4Q25 1Q26 NII NIM FTE NII and NIM ($ in millions) (1) Non-recurring items reducing 1Q26 NII when compared to 4Q25 include seasonal HR asset dividends (-$10M), swap deferred gain amortization (-$4M), and credit recoveries (-$7M). (2) Days/Other includes two fewer days (-$12M) and other miscellaneous items. (3) Floating product repricing includes contractual loan, cash and borrowings repricing. (4) Fixed asset turnover includes the benefits of loan and securities production at higher market rates than maturities, securities premium amortization net discount accretion. (5) Measuring quarterly average yields/costs from 4Q25 to 1Q26. (6) Using a starting point of 3Q24 interest- bearing deposit costs and peak Fed Funds of 5.50%. $1,281 $1,248 Market Rate Impacts - fully protected from Fed cuts Ad ju st ed NII Attribution ($ in millions) 4Q25 Non- Recurring 4Q25 Items(1) Days / Other(2) Loan Spreads / Mix Floating Product Repricing (3) Deposit Cost / Balance Hedges Fixed Asset Turnover(4) Loan Balances 1Q26 NII -$21M -$15M -$4M -$46M +$30M +$14M $6M $3M -$33M NIM -6bps +3bps -1bps -13bps +9bps +4bps +2bps -1bps -3bps

14 • Higher long-term interest rates / steeper yield curve (10-year 4.60% and above); widening asset spreads • Accelerating loan and/or deposit balance growth • Falling rate deposit beta above mid-30%s; increasing non-interest bearing deposit mix Expectation: Full-year 2026 NII to grow between 2.5 – 4%, with fixed- rate asset turnover, funding cost management, and loan growth as the primary drivers • 2Q26 NII expected to increase by approximately 2% vs 1Q26, from balance sheet growth, fixed-rate asset turnover, lower deposit costs, and day count • 2Q26 NIM expected to be mid to high 3.60%s, exiting the year in the low 3.70%s • Lower long-term interest rates / flatter yield curve (10-year below 3.80%); tightening asset spreads • Declining loan and/or deposit balances • Falling rate deposit beta below mid-30%s; decreasing non-interest-bearing deposit mix 2026 NII(1) Expected Range and Assumptions NII expected to grow in 2026 under a wide range of possible outcomes (1) NII represents non-FTE Net Interest Income. +4% +2.5% Current Outlook Upper End Lower End • Mostly stable yield curve: range-bound long-term rates (10-year 4.00% to 4.40%) and stable to modestly lower fed funds • Full year average loan balances up low single digits and deposit balances up low single digits • Mid-30%s interest-bearing deposit beta; Non-interest-bearing deposit mix stable in the low-30%s Net Interest Income Trend ($M) NII 2026 NII Guidance Range 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 $3,000 $4,000 $5,000 Anticipated continuation of long- term growth trajectory after post- pandemic normalization

15 $51 $8 $(19) $(4) $1 • Front-book/back-book tailwind - $12B to $14B of annual fixed-rate loan production and securities reinvestment at higher yields than those maturing is a primary driver of NII growth ◦ Hedges in place to lock in portion of 2026 loan/securities production rates • Benefit from higher rates/steepening curve - maintain some asset sensitivity to middle/long-term rate changes given impact on production/reinvestment yields 3 mos 6 mos 9 mos 12 mos NII Positioning for Changing Rate Environment Mostly "neutral" interest rate risk position protected from fed funds changes; reduced long-end rate sensitivity • Hedging - offsets contractual floating rate exposure and creates a mostly neutral interest rate risk position, where changes in fed funds are not expected to be a material driver of NII variability • Key Assumption: Deposit Costs/Beta - mid-30%s falling rate interest-bearing deposit beta achievable to protect NII from fed funds cuts ◦ 2Q26 CD repricing ($5.1B maturing at 3.4% rate) ◦ 36% of interest-bearing deposit balances are market priced(2) / indexed Adds Floating Rate Exposure Reduces Floating Rate Exposure (1)3/31/26 balance sheet except for cash, which uses expected operating level due to elevated quarter-end balances; Floating rate loans excludes mortgage ARMs. Cash adjusted short-term tenors include all rate tenors 12 months and shorter; middle/long-term tenors include those beyond 1 year. (2) Includes deposits with a rate above 325bps and corporate sweep deposits as well as time deposits maturing in the coming 6 months; any time deposits with a rate above 325bps are included in this cohort. Loans Cash $(35) Net Asset Hedges Debt (incl. Hedges) Beta-adjusted IB Deposits Residual Exposure Floating Rate Balance Sheet Exposure(1) ($B) Future NII Benefit from Fixed-Rate Asset Turnover 10yr UST -0.50% lowers NII by ~$20M full year vs forwards Sensitivity to short-term rates Sensitivity to middle/long-term rates 10yr UST +0.50% adds NII of ~$20M full year vs forwardsRecent hedging protects the expected benefit from asset production in 2026... Next 12 Months Exposure: Market forward case

16 • Balance sheet position naturally benefits from higher interest rates (i.e. asset sensitive), supported by ◦ Large floating rate loan mix ◦ Large, stable deposit base as evidenced over multiple rate cycles • Fixed-rate securities and receive-fixed hedges insulate the natural interest rate sensitivity in the balance sheet • Current interest rate risk profile is mostly neutral to changes in market interest rates ◦ 2.6 year asset duration ◦ 2.7 year liability duration Floating 61% Fixed 39% Deposits 82% Borrowings 4% Other 2% Equity 12% Interest- Bearing 60% Non-IB 30% Time 10% Loans 61%Securities 20% Cash 5% Other 14% Floating 33% Fixed (ex Hedges) 44% Fixed Hedges 23% $132B Loans(2)(3) $98B Balance Sheet Profile (As of March 31, 2026) Portfolio Compositions $161B Assets(1) Liabilities & Equity $161B Wholesale Borrowings(2) $6B Deposits (1) Securities includes AFS, the unrealized AFS loss, and HTM securities; cash represents interest-bearing deposits held with the Federal Reserve. (2) Additional hedging detail included on the "Hedge Strategy Update" slide. Excludes forward-starting derivatives (both forward starting cash flow hedges and forward starting fair value hedges on 2Q & 3Q 2024 debt issuances.) (3) ARM mortgage loans are included as floating rate loans.

17 Balance Sheet Positioning Advantage Strong deposit franchise and funding position provide an opportunity for flexibility and margin outperformance in an evolving rate environment **All balances are ending as of 3/31/26; Source: SEC reporting. Peers include CFG, FCNCA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SSB, TFC, USB, ZION. Loan-to-Deposit Ratio 97% 89% 87% 85% 84% 82% 81% 80% 79% 78% 76% 75% 74% 74% Pe er 1 Pe er 2 Pe er 3 Pe er 4 Pe er 5 Pe er 6 Pe er 7 Pe er 8 Pe er 9 Pe er 1 0 Pe er 1 1 Pe er 1 2 RF Pe er 1 3 Non-interest Bearing (NIB) to Total Deposits 36% 35% 30% 28% 28% 26% 26% 24% 24% 23% 22% 19% 18% 16% Pe er 6 Pe er 8 RF Pe er 4 Pe er 1 2 Pe er 7 Pe er 3 Pe er 2 Pe er 1 Pe er 1 0 Pe er 9 Pe er 1 3 Pe er 5 Pe er 1 1 Peer Median: 81% Peer Median: 24% Total Liability Cost (%) 2.33 2.24 2.09 1.91 1.91 1.87 1.85 1.79 1.79 1.76 1.72 1.64 1.52 1.31 Pe er 1 1 Pe er 3 Pe er 5 Pe er 1 3 Pe er 7 Pe er 9 Pe er 1 Pe er 2 Pe er 1 2 Pe er 1 0 Pe er 4 Pe er 8 Pe er 6 RF Peer Median: 1.85% Time Series: NIB to Total Deposits 30.4% 24.4% RF Peer Median 4Q 19 1Q 20 2Q 20 3Q 20 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 20% 25% 30% 35% 40% 45% 50%

18 2.50% 5.50% 4.50% 3.75% 0.82% 2.31% 2.02% 1.72% 1.03% 2.85% 2.48% 2.15% Fed Funds RF IB Deposit Cost Peer Median 1Q18 3Q18 1Q19 3Q19 1Q20 3Q20 1Q21 3Q21 1Q22 3Q22 1Q23 3Q23 1Q24 3Q24 1Q25 3Q25 1Q26 —% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% (1) Peers include CFG, FCNCA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SSB, TFC, USB, ZION. (2) CDs excluding brokered CDs; maturities as of 3/31/2026; balances do not include future rollover Interest-bearing Deposit Cost vs. Peers(1) In t- Be ar in g De po si t R at es Interest-Bearing Deposit Pricing Deposit Pricing Outperformance Expected to Persist • Regions' deposit composition has led to repricing (betas) among the lowest in the peer group through multiple rising rate cycles • Consistent rate seeking behavior across the last two cycles • Ability to reprice deposits lower with market rate declines consistent with performance to-date; mid-30%s beta necessary to protect NII ◦ Expect modest cost reductions in Q2 by managing expenses closely around where we exited Q1, with potential to outperform over time as CDs mature and reprice lower $5.1 $2.9 $2.5 $0.6 3.4% 2.9% 3.2% 2.6% Volume $B Rate 2Q26 3Q26 4Q26 1Q27 CD Maturities (as of 3/31/2026)(2) 2.34% 2.13% 2.02% 1.99% 2.01% 1.85% 1.72% 1.69% Qtrly Int-Bearing Rates Mnthly Int-Bearing Rates 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 1.60% 1.80% 2.00% 2.20% 2.40% Interest-bearing Deposit Cost Trend

19 % o f 1 Q 26 E nd in g In te re st -B ea rin g De po si ts Interest-bearing Deposits: $91.8B (labels represent % of IB Deposits) Interest-Bearing Deposit Mix Composition of deposit book affords ability to maintain cost advantage under a range of market rate outcomes; When combined with hedges, creates a well protected margin Low-Beta / Low-Cost(3)Market Priced & CD Maturities(1) (1) Includes deposits with a rate above 325bps and corporate sweep deposits as well as time deposits maturing in the coming 6 months; any time deposits with a rate above 325bps are included in this cohort. (2) Comprised of deposits with a rate between 100-325bps and time deposits maturing in the next 6 to 12 months. (3) Includes deposits with a rate below 100bps and time deposits with a remaining maturity of more than 12 months. Mid-Beta / Mid-Cost(2) Time Deposits All Other Interest-Bearing Deposits36% 17% 22% 42% • Accounts expected to reprice with market rates, plus near term CD maturities (incl. indexed deposits) • More than 90% of CDs mature within the next 9 months • Beta in falling rates: 80%-100% • Accounts with an intermediate rate • Beta in falling rates: 20-30% • Mostly Consumer/Wealth low rate stable accounts with small account size & customer longevity ◦ $14K avg account balance ◦ Avg acct open for 14+ yrs • Beta in falling rates: 0-10%

20 Deposit Advantage Key to Franchise Value Above median deposit growth & disciplined pricing FY25 Total Deposit Cost (%) Av g. T ot al D ep os it Gr ow th 1% 2% (10)% —% 10% 20% RF Peer Median 5 Year Deposit Growth vs Current Deposit Costs(1) (1) Source: S&P Cap IQ and SEC Reporting. Avg deposit balance changes cover FY20 to FY25. Peer balances have been adjusted for bank merger & acquisition activity: CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION. 3.21% 2.85% 3.36% 3.90% 3.54% 3.61% 3.67% 2.99% 2.72% 3.10% 3.10% 3.00% 3.13% 3.24% RF Peer Median 2020 2021 2022 2023 2024 2025 1Q26 Net Interest Margin vs. Peers(1)

21 Net Interest Margin History Generating consistent, sustainable, long-term performance Learned lesson from outsized credit and rate exposure in GFC; have used hedges to achieve NIM protection and outperform peers Net Interest Margin (NIM)1 Through the Interest Rate Cycle Fed Funds Target Rate & Regions' Interest Rate Risk Positioning Periods of abnormal monetary policy accommodation justify the need for an elevated risk profile given a higher probability of rising interest rates Underperformance given elevated rate risk exposure and other correlated risks Outperformance given hedging portfolio and balance sheet management Pandemic Maintained stable Adj NIM1 (~40bps outperformance worth ~$550M annual NII) Rising Rates Retained ability to benefit, expanding outperformance vs. peers Peak Rate Reduced rate exposure to maintain performance vs. peers (~50bps worth ~$700M annual NII) (1) Given the impact to NIM across the industry from elevated pandemic-related cash, Regions and peer NIMs have been adjusted to exclude surge cash above 4Q19 levels from 2Q20 to 3Q22. Peers include CFG, FCNCA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SSB, TFC, USB, ZION.

22 2026 2027 2028 2029 2030 2031 2032 $24.1B $24.4B $22.4B $18.5B $17.8B $11.3B $4.5B $4.3B $4.3B $4.3B $4.3B $4.9B $5.0B $3.4B $19.8B $20.1B $18.1B $14.2B $12.9B $6.3B $1.1B (Q ua rt er ly A vg ) Asset Hedge Notional 3.11% 3.21% 3.38% 3.54% 3.55% 3.58% 3.65% 3.58% 3.58% 3.58% 3.60% 3.63% 3.64% 3.72% (A nn ua l A vg ) 1Q26 2Q26 3Q26 4Q26 Receive-Fixed, Cash Flow Swaps - Loans $22.8B $23.9B $24.8B $24.8B Pay-Fixed, Fair Value Swaps - AFS Securities $4.4B $4.2B $4.3B $4.3B Net Asset Swap Position(1) $18.4B $19.7B $20.5B $20.5B Cash Flow Swap Receive Rate(3) 3.07% 3.15% 3.17% AFS Fair Value Swap Pay Rate(3) 3.58% 3.58% 3.58% $2.0B $2.0B $1.0B $0.0B $0.0B $0.0B $0.0BCash Flow Collars - Loans(2) $2.0B $2.0B $2.0B $2.0B Hedging Strategy Update Mostly "neutral" rate risk position protects margin & decreases capital volatility Receive-Fixed, Cash Flow Swaps - Loans Cash Flow Collars - Loans(2) Pay-Fixed, Fair Value Swaps - AFS Securities Net Asset Swap Position(1) (1) Net Asset Swap Position equals Receive-Fixed Cash Flow Swaps - Loans minus Pay-Fixed Fair Value Swaps - AFS Securities. (2) Collars use short interest rate caps to pay for long interest rate floors; weighted avg. floor of 1.86%, weighted avg. cap of 6.22%. (3) Floating rate leg of swaps vs overnight SOFR. 1Q26 Asset Hedging Activity Cash Flow Hedging Fair Value Hedging Focused on reducing NIM volatility Focused on reducing AOCI volatility Short-term rate protection in future periods • Added $1B in forward-starting (2029), 3Y receive-fixed swaps (3.6%) Medium and long-term rate sensitivity hedges (fixed asset turnover) • Added $1.25B in forward-starting (Sep-26), 5Y receive-fixed swaps (3.5%) • Terminated $1.5B in fixed asset turnover swaps hedging 1Q26 Securities fair value hedges (with offsetting NIM sensitivity transaction) • Added $0.9B in forward-starting (2030), 4Y avg receive-fixed swaps (3.8%) with avg maturity in 2034 to offset interest rate risk associated with fair value AOCI hedges • Added $0.9B in forward-starting (2030), 4Y avg pay-fixed swaps (3.8%) with avg maturity in 2034 Tactical increase in near-term protection given fewer/no Fed Funds cuts priced for 2026 • Added $0.3B in spot-starting receive-fixed swaps (3.6%) maturing Dec-26 • Terminated $0.3B in active pay-fixed swaps maturing Apr-28 as o f 3 /3 1/ 20 26

23 3.56 26 1Q26 Y/Y Change (bps), RHS Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Regions Peer 6 Peer 7 Peer 8 Peer 9 Peer 1 0 Peer 1 1 Peer 1 2 Peer 1 3 Peer 1 4 2.0 2.5 3.0 3.5 4.0 4.5 -75 -50 -25 0 25 50 Subsequent to quarter end sold ~$900M short-duration Agency/Govt bullet-like securities at a $40M pre-tax loss, reinvesting into longer-duration USTs, Agency CMBS and MBS at 2.5% higher yields • Represents normal duration management, adding downside rate protection • Reinvestment of paydowns/maturities accretive to portfolio yield by ~1.3% • Portfolio constructed to protect against changes in market rates ◦ Duration of ~3.9 years (AFS ~3.5 years) as of 3/31/2026; provides offset to long- duration deposit book ◦ 28% of securities in the portfolio are bullet-like (CMBS, corporate bonds, agency bullets, and USTs) ◦ MBS mix concentrated in less sensitive prepayment collateral types: lower loan balances, seasoning, and state-specific geographic concentrations • 98% US Government or Agency guaranteed ◦ ~$460M high quality, investment grade corporate bond portfolio is short-dated (<2.5 year duration) and well diversified across sectors and issuers ◦ The Agency CMBS portfolio is guaranteed by government agencies and is collateralized by mortgage loans on multifamily properties • 83% classified as Available-for-Sale; 17% Held-to-Maturity Agency/UST 9% Agency MBS 69% Agency CMBS 20% Corp Bonds 1% Securities Portfolio Provides downside rate protection/liquidity Securities Portfolio Composition(1) $32.9B Securities Yield(2) 1Q26 Activity AFS, 83% HTM, 17% (1) Includes AFS securities, the $725M unrealized AFS loss, and HTM securities as of 3/31/2026. (2) Source: Supplementary earnings materials / SEC reporting; peer set includes: CFG, FCNCA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, PNFP, SSB, TFC, USB, ZION $32.9B bps

24 (1) Fair value hedging includes pay fixed swaps and other strategies currently in development, with the balance sheet duration likely offset through the addition of offsetting cash flow hedges against floating rate loans. (2) AOCI in CET1 (No AFS Opt Out) includes AOCI related to AFS, HTM and Pension related obligations; Source: Call Reports as of 12/31/2025, RC-R and RC-B. Peer set includes: CFG, FCNCA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, PNFP, SSB, TFC, USB, ZION. (3) Estimated Tax-Adjusted AOCI, current portfolio, market forward interest rates, and Risk Weighted Assets as of 3/31/2026. (4) Total After Tax AOCI excluding CF Hedges as of 3/31/2026. • AOCI associated with unrealized securities gains/ losses is expected to be included as a part of CET1 once B3E rules are finalized (with phase in) ◦ Given Regions’ long duration deposit base, asset duration strategies will still be needed to mitigate inherent interest rate risk exposure • Various strategies have been and will continue to be implemented to reduce capital volatility in the future, including: • At 3/31/2026, AOCI at risk in AFS in + 100 shock is ~$725M or ~57bps of CET1 • Monetizing Held-to-Maturity security liquidity through collateralized deposits Tactic Implementation 1) Held to Maturity (HTM) Designation Migrate AFS securities or add new purchases in HTM Will continue to migrate towards targets over time; timing dependent on rate entry point and regulatory clarity (i.e. timing / HTM treatment); holding elevated capital in interim 2) Shorter Duration AFS Portfolio • Bond selection • Fair value hedging(1) Securities Portfolio - AOCI Management Positioned to manage level/exposure lower over time -2.77% -1.70% -1.43% -1.29% -1.27% -1.24% -1.19% -1.16% -1.07% -1.04% -0.74% -0.55% -0.20% 0.04% 0.13% AOCI in CET1 (No AFS Opt Out) Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 RF Peer 7 Peer 8 Peer 9 Peer 1 0 Peer 1 1 Peer 1 2 Peer 1 3 Peer 1 4 -3.00% -2.00% -1.00% —% 1.00% Adj. AOCI in CET1 as % of Risk Weighted Assets(2) 12/31/2025 5yr UST C E T1 A O C I 9.95% 9.68% 9.54% 9.40% 9.26% 9.11% 8.83% (865) (1,205) (1,382) (1,559) (1,739) (1,919) (2,280) CET1 with AOCI AOCI ($mm) 2.94% 3.44% 3.69% 3.94% 4.19% 4.44% 4.94% 8.50% 9.00% 9.50% 10.00% (2,500) (2,000) (1,500) (1,000) (500) CET1 Including AOCI Sensitivity(4) Securities AOCI Burn Down and Impact to CET1(3) AO CI L os s ( $M ) Cum ulative CET1 Im pact 542 469 373 276 630 564 477 390 $1,172 $1,033 $850 $666 —% 0.11% 0.25% 0.40% AFS HTM Total CET1 Impact 3/31/2026 YE 2026 YE 2027 YE 2028 $— $250 $500 $750 $1,000 $1,250 $1,500

25 (1) NII estimate and payback assumptions use Market Forwards as of trade completion dates. (2) Point in time impact; portfolio duration is naturally shortening and repositioning provides offset. Securities Portfolio - Repositioning Provides efficient use of capital/downside rate protection Rationale for Securities Repositioning Efficient Capital Use Portfolio Management Favorable Market • Superior returns vs alternatives (including share repurchases) • Capital neutral w/ full AOCI look through • High absolute market rates and a steepening yield curve enhance attractiveness Repositioning Summary Multiple, distinct securities repositioning strategies occurred in 2024, 2025, and 2026 • Sold mostly shorter-duration agency CMBS • Replaced with mostly residential agency MBS with favorable prepayment protection/ profiles and higher market yields • Maintained duration on naturally shortening portfolio • Q2 2026 transaction: Sold ~$900M short-duration Agency/Govt bullet-like securities at a $40M pre-tax loss, reinvesting into longer-duration USTs, Agency CMBS and MBS at 2.5% higher yields ◦ Represents normal duration management, adding downside rate protection • Provides flexibility for relative value decision making • Replace short- duration bonds that provide little falling rate protection Execution $ Sold Losses Realized Purchase Yield - Sales Yield Payback Period (1) Duration Extension(2) Q1 2024 $1.3B $50M 1.9% 2.1yrs 0.15yrs Q2 2024 $980M $50M 2.4% 2.6yrs 0.07yrs Q3 2024 $1.3B $75M 2.6% 2.7yrs 0.18yrs Q4 2024 $696M $30M 2.2% 2.7yrs 0.04yrs Q1 2025 $478M $25M 2.9% 2.7yrs 0.05yrs Q3 2025 $516M $25M 2.4% 2.6yrs 0.04yrs Q2 2026 $903M $40M 2.5% 2.0yrs 0.07yrs Total/ WA $6.2B $295M 2.4% 2.4yrs 0.6yrs

26 $615 $640 $625 1Q25 4Q25 1Q26 ($ in millions) Change vs 1Q26 4Q25 1Q25 Service Charges – Consumer(2) $96 (5.0)% —% Service Charges – Corporate(3) $66 8.2% 3.1% Wealth Management Income 141 (1.4)% 9.3% Card and ATM Fees 117 (4.9)% —% Capital Markets (Ex CVA/DVA) 83 3.8% 2.5% Mortgage Income 32 —% (20.0)% Other 36 (29.4)% (12.2)% Non-Interest Income (1) Non-GAAP; see appendix for reconciliation. (2) Consumer overdrafts typically represent approximately half of these amounts each quarter. (3) The majority of these amounts relate to Treasury Management (TM) activities and typically represent approximately two-thirds of total TM revenue each quarter. (4) See appendix for further information on the forward-looking guidance provided by the Company with respect to this non-GAAP measure. $590 $640 $625 1Q25 4Q25 1Q26 Non-Interest Income ($ in millions) Adj. Non-Interest Income(1) ($ in millions) QoQ Highlights & Outlook • NIR decreased 2% on both a reported and adjusted(1) basis • Service charges remained stable, as record Treasury Management fees, up 6% linked-quarter, offset seasonally lower consumer revenue; TM remains a key growth driver • Card and ATM fees decreased 5%, reflecting normal seasonality; Expect fees to peak in 2Q and level out in 2H26 • Capital Markets (Ex CVA) increased 4%, driven by improved commercial swap, loan syndication, and securities underwriting activity, partially offset by lower real estate capital markets and M&A fees; Expect quarterly revenue to continue increasing within the $90 – $105M range, trending toward the lower end in 2Q amid market volatility and elevated rates, with momentum building thereafter • Other NIR declined 29%, driven primarily by commercial lease activity, with ~$6M of gains in 4Q and ~$7M of losses in 1Q • Expect FY26 adjusted non-interest income to grow 3 – 5% vs 2025(4)

27 Track Record of Expanding Fee-Based Services Proven Non-Interest Income ResiliencyAdjusted Non-Interest Income(1) Diversified revenue growth through expanded fee-based services (1) Non-GAAP; see appendix for reconciliation. Amounts disclosed in years 2024-2016 represent the initial amounts reported in the Company's Segment footnote in the Annual 10-K. Amounts disclosed in years 2015-2012 represent the latest year disclosed in the Company's Annual 10-K with some additional adjustments applied to represent the dynamic nature of segment reporting in order to arrive at amounts comparable to segments as currently viewed by management. Amounts in 2011 could not be recast due to lack of available data to create comparable segment disclosures. ($ in millions) Capital Markets • Since re-launch of products in 2014, expanded the business through: ◦ Organic Product Growth: Debt & Capital Raising, Financial Risk Management, Real Estate ◦ Acquisitions: BlackArch – M&A, Clearsight – M&A, Sabal – Agency Small Balance & Servicing Platform Treasury Management • New product and feature development continues to be an annual priority and amounts to ~20% of annual core TM revenue • Trade Finance revenue grew an average of 11.4% annually from 2020-2025 through acquisition of new clients and growth of existing relationships Wealth Management • 2025 Investment Services and Investment Management & Trust Fees are up $222M vs 2019 (97% Organic); 6-year CAGR of 9.1% • Acquisitions: Highland Associates Consumer • Purchased a $1B credit card portfolio in mid-2011 • Organic growth in the debit card portfolio • Since 2011 expanded mortgage servicing revenue through bulk and flow MSR acquisitions totaling $81B Strategic investments & enhanced client capabilities have generated over $1B in additional revenue since the global financial crisis (GFC), more than overcoming ~$600M of lost revenue • The enactment of Regulation E and debit interchange legislation post GFC had a combined ~$300M negative impact • Overdraft fees have declined ~$300M since 2011, due primarily to customer-friendly enhancements Corporate Consumer Wealth Other Consolidated 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 $2,001 $2,585

28 Capital Markets Growing products & services that our clients value • 1Q26 Capital Markets revenue ex. CVA/DVA of $83MM increased 4% from prior quarter, driven by increased fees from Syndications, Debt & Equity Underwriting, and Swap Transactions. • Capital Markets revenue ex. CVA/DVA quarterly range expected to be $90M-$105M; 2Q26 expected to be toward the lower end of the range with improvement in 3Q and 4Q. Capital Markets Product Solutions Real Estate • Multi-family loan origination & distribution ◦ Fannie Mae ◦ Freddie Mac ◦ HUD • All property types loan origination & distribution • Low income housing tax credit distribution Financial Risk Management • Interest Rate Derivatives • Commodity Derivatives • Foreign Exchange Debt & Capital • Loan syndication • Sponsor coverage • Loan sales & trading • Public and private capital raising Client Coverage Areas • Corporate Banking • Commercial Banking • Commercial Real Estate • Specialized Industries • Wealth Management Capital Markets Annual Revenue (Ex. CVA/DVA)(1) Mergers & Acquisitions • M&A Advisory Services (1) $'s in millions. Amounts presented exclude valuation adjustments (CVA/DVA). Prior to 2018, Capital Markets Fee income was labeled as "Capital Markets Fee Income and Other". $65 $101 $151 $159 $201 $188 $263 $323 $303 $272 $354 $350 $83 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 YTD

29 +4% Treasury Management Revenue(1) +6% Portfolio of Treasury Management Clients(2) +11% Digital, Payment & Integrated Services Revenue(3) +10% Trade Finance Dollar Volume(4) Continually Investing in Technology Enhancing Embedded ERP Finance, which allows clients to access and review financial accounts and data in real-time within their ERP platforms, by developing payment capabilities including wire transfer, ACH, and RTP Simplifying cash management for small to mid-size businesses with CashFlowIQ, offering accounts payable, accounts receivable, invoicing, and bill payment solutions Strengthening risk mitigation through the deployment of Commercial Card alert capabilities Added Xpress Connect, a secure print and electronic communications tool, to the integrated billing and payments platform, BillerXchange, providing clients with efficient invoicing and communication capabilities Leveraging cutting-edge automation to transform remittance processing and accelerate payment reconciliation for healthcare clients with the launch of Healthcare Receivables Services powered by MediStreams Improving client refund, rebate and other payment distribution efficiencies with ReimbursePro by enabling fast, secure delivery through recipients' preferred channels Treasury Management Clients optimize cash flow and manage risk with Treasury Management solutions Trade Finance • Department of Commerce - Recipient of President's "E" Award for Export Service • SBA - #1 Export Lender for 7 Consecutive Years • SBA -Two Time Export Working Capital Lender of the Year • SBA - Export Working Capital Preferred Lender • EX-IM Bank - Highest Delegated Lending Authority and Fast Track Lender • EX-IM Bank - Lender of the Year and Deal of the Year Award Recipient (1) YTD YoY Treasury Management Revenue Growth, March '26 to March '25. (2) YoY Client Growth, March ‘26 to March ‘25. (3) YTD Digital, Payment & Integrated Services Revenue, March '26 to March '25. (4) YTD Trade Services Dollar Volume Growth, March '26 to March ‘25. Earning Recognition for Excellence Steadily Growing our Treasury Management Business 2025 Datos Impact Award in Commercial Banking & Payments Best Innovation in Product Development for Regions Embedded ERP Finance

30 The Voice of the Regions Wealth Client • Inaugural Voice of the Client survey established and fielded for Regions Investment Solutions, resulting in 84% of Financial Advisors receiving 5/5 ratings ◦ The primary indicator of client satisfaction is the Financial Advisor Satisfaction Index or FASI. For Q1 2026, the baseline FASI score stands at 82.4. • Impact of Financial Planning. Financial Planning remains a differentiator for highly engaged client relationships. Clients who engaged in financial planning reported significantly higher satisfaction and engagement. ◦ 76% of surveyed clients having indicated they had a conversation with their FA in the past 12mo. • Focus on Action. Leveraged VOC insights to pinpoint growth opportunities particularly in: ◦ Advisor communication ◦ Proactive market and trend discussions Wealth Management NIR(1) ($ in millions) The Client Experience Every client is unique and deserves a tailor-made path to confidently reach their evolving financial goals. Wherever you are, and wherever you are going, we offer a dedicated team, specialized expertise, and investment guidance to help you manage and grow wealth. • Managing Wealth for Individuals and Institutions • Advice & Guidance / Planning / Consultative Approach • Solutions: Wealth Planning, Retirement Planning, Trust & Estates, Digital Investing, Natural Resources & Real Estate, Philanthropic Solutions, Investment Management, Funeral Trust, Custody, Escrows, Corporate Trusts, Business Succession, Brokerage and Life Insurance $322 $337 $382 $419 $451 $495 $544 $243 $253 $278 $297 $313 $338 $362 $79 $84 $104 $122 $138 $157 $182 Investment Management & Trust Fees Investment Services Fee Income 2019 2020 2021 2022 2023 2024 2025 (1) WM NIR does not include the top of company portion of service charges on deposit accounts and similar smaller dollar amounts that are also attributable to the WM segment. (2) YoY comparisons as of 03/31/26 unless otherwise noted. (3) Client Assets consists of AUA, Brokerage Assets and Annuity Assets. (4) Total WM Relationships consists of Total Private Wealth Households, Institutional Accounts, and Investment Services Accounts. Wealth Management Specialized expertise and tailored investment guidance to manage and grow wealth 9.1% CAGR Growing our Wealth Management Business(2) +8% Total Client Assets(3) +8% Total WM Relationships(4) +8% WM NIR(1) The Value We Bring To Our Clients

31 Mortgage Remains a key component of fee revenue (1) Mortgage Bankers Association – Mar 2026 Forecast. (2) Includes residential owned portfolio and serviced for others. (3) MBA/Stratmor PGR FY2025. Mortgage Income ($ in millions) Strong Performance Industry-Leading Low-Cost Servicer Delivery Efficiency • Mortgage Income: $32M 1Q26; $158M FY25 • Portfolio 757 Avg. FICO | 53% current LTV • $410K Avg. New Loan Size • Production aligned with market in percentage of purchase production volume at 61% in 1Q26 vs 60% for the industry(1) • $83B servicing portfolio(2) as of 1Q26 with appetite for future growth • $0.2B in MSRs acquired YTD with flow purchases • Importance of Scale: Servicing fees help offset production declines in elevated rate cycles • Servicing expense 24% lower than peer average(3) • 19% lower origination and fulfillment cost than peer average(3) • Investing in omnichannel capabilities • Partnership with retail bank is competitive advantage $137 $163 $333 $242 $156 $109 $146 $158 $32 Production Revenue Servicing and MSR/Hedge Revenue 2018 2019 2020 2021 2022 2023 2024 2025 1Q26

32 QoQ Highlights & Outlook • NIE decreased 3% on a reported basis and 4% on an adjusted(1) basis • Salaries & benefits remained relatively stable, as lower incentives along with 4Q employee benefit liability impacts tied to HR dividend income largely offset seasonal increases in payroll taxes, 401(k) match, and merit • FDIC insurance assessments increased $16M, as a 4Q FDIC insurance special assessment accrual reduction of $14M did not repeat • Maintaining disciplined expense management while continuing to invest across the franchise • Expect FY26 adjusted NIE (inclusive of investments) to be up 1.5 – 3.5%; Anticipate generating FY adj. positive operating leverage(3) $1,039 $1,098 $1,068 57.9% 56.8% 56.6% Non-interest expense Efficiency ratio 1Q25 4Q25 1Q26 $1,035 $1,112 $1,068 56.8% 57.5% 56.6% Adjusted non-interest expense Adjusted efficiency ratio 1Q25 4Q25 1Q26 Non-Interest Expense (1) (1) Non-Interest Expense ($ in millions) Adj. Non-Interest Expense(1) ($ in millions) $3,387 $3,419 $3,434 $3,443 $3,541 $3,698 $3,886 $4,262 $4,227 $4,331 $135 $22 Adjusted non-interest expense Incremental operational losses Include expenses associated with acquisitions 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2.8% CAGR Adj. Non-Interest Expense(1) ($ in millions) (1) (2) (1) Non-GAAP; see appendix for reconciliation. (2) 2Q20 acquisition of Ascentium Capital and 4Q21 acquisitions of EnerBank, Sabal Capital Partners, and Clearsight Advisors. (3) See appendix for further information on the forward-looking guidance provided by the Company with respect to this non-GAAP measure.

33 Efficiency Ratio vs. Peers 1Q26 Efficiency Ratio vs. Peers FY 2025 Efficiency Ratio vs. Peers 51.1% 55.3% 56.2% 56.2% 56.7% 57.0% 57.4% 58.4% 59.5% 60.4% 61.4% 63.7% 65.2% 65.5% Peer 1 Peer 2 Peer 3 RF Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Peer 12 Peer 13 54.6% 56.0% 56.4% 56.9% 56.9% 57.3% 57.8% 58.5% 59.7% 59.8% 61.6% 62.6% 63.4% 64.4% Peer 2 Peer 3 RF Peer 4 Peer 7 Peer 10 Peer 1 Peer 5 Peer 8 Peer 6 Peer 12 Peer 9 Peer 13 Peer 11 (1) Efficiency ratios per S&P Global Market Intelligence. Peers include CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION.

34 Diversified Lines of Businesses • Retail Banking Services ◦ Deposit ◦ Debit & Credit Card ◦ Home Equity ◦ Secured & Unsecured Lending ◦ Small Business • Mortgage ◦ Retail and Consumer Direct ◦ Mortgage Servicing • Home Improvement Financing • Commercial • Corporate & Institutional ◦ Corporate ◦ Real Estate ◦ Capital Markets • Treasury Management • Specialty Lending Businesses ◦ ABL ◦ Ascentium Capital ◦ Equipment Finance • Private Wealth Investment Management, Banking & Trust Services • Institutional, Corporate, & Philanthropic Investment Consultant Services • Investment Solutions for Retail Clients Consumer Bank Corporate Bank Wealth Management (1) Pie %'s exclude the pre-tax pre-provision income from the Other Segment totaling $0. The Other Segment consists primarily of unallocated Treasury functions (securities portfolio and wholesale funding activities), as well as certain reconciling items necessary to translate management accounting practices into consolidated results. 46% 47% 7% 64% 34% 2% 31% 61% 6% 2% $805M $96B $130B Consumer Corporate Wealth Management Other 1Q26 Pre-tax pre-provision income(1) 1Q26 Average deposits1Q26 Average loans

35 Consumer Bank High Performing, Proven Consumer Business Creating Value for Customers and Shareholders 10,342 Associates 1,246 Branches 1,779 ATMs 4.2M Consumer Customers 363K Small Businesses 385K Mortgage Customers and differentiates us from competition How our model wins Primacy-based acquisition strategy leads to granular, low cost deposits and NIR Industry leading customer experience across channels delivers long tenured, primary relationships and high customer loyalty Focused lending to homeowners drives attractive returns and discipline credit performance Local and people focused culture drives differentiated reputation and market dominance 1 2 3 4 ~70% Top 5 Market share in ~70% of MSAs across 15-state footprint(1) #1 Deposit Cost vs. Peers 16 Top 5 Branch share in 16 of our top 20 markets Regions has served the Southeast for over 170 years: Competitive Advantage Business Outcomes Long standing presence in markets Presence in markets averaging 74 years Enduring organization 20+ years without disruption Differentiated experience Top decile customer experience Strategic market positioning Technology & AI innovation Modern core and proprietary AI tools driving efficiencies and growth (1) Source: S&P Cap IQ. Top 25 market share as defined by deposit dollars - FDIC as of 6/30/2025; pro-forma for announced M&A transactions as of 2/4/2026. Top 5 share based on MSA and non-MSA counties. S&P's demographic data is provided by Claritas based primarily on U.S. Census data. All figures as of 1Q26

36 Consumer Banking Group Driving growth and customer engagement through strategic investments (1) Regions Bank received the highest score among regional banks ($65B to $250B in deposits) in the J.D. Power 2020-2022, and 2024-2025 U.S. Online Banking Satisfaction Studies which measures customer satisfaction with financial institutions’ online experience for banking account management. Visit jdpower.com/awards for more details. (2) iOS app store rating. Maintained competitive deposit rates driving balance growth of 1.1% YoY while preserving our industry leading deposit costs of 84bps 33% increase YoY in Mortgage production driven by improved market conditions and incremental campaigns to support launch of ARC tool Branch Small Business lending production up 38% YoY driven by new value offering for small business credit card Credit card spend YoY growth of 8% driven by account growth and higher spend per account Disciplined credit risk management; Net charge- offs of 69bps; Down 2bps YoY and down 4bps vs 4Q25 Continued strength in expense management Regions Bank is the highest-rated bank in Forbes’ newest list of the top 300 U.S. companies for customer service J.D. Power(1) ranked Regions Bank #1 in customer satisfaction among regional bank online experiences 5 of the last 6 years Regions Bank ranked 2nd in American Banker’s list of top banks by reputation Regions Bank has been recognized as a Fannie Mae STARTM performer for the 9th consecutive year Top-decile in customer loyalty per Gallup 4.9 out of 5 Mobile app star rating(2) Delivering Solid Customer Satisfaction & Loyalty Launched ARC (Automated Refinance Calculator) which analyzes +100 million mortgage repricing scenarios to generate customer solutions in under 5 minutes Launched direct deposit switcher providing a seamless, paperless, secure, real-time option for direct deposit enrollment; ~7k successful switches since deployment Enhanced fraud detection through new biometrics tool to protect against cyber criminals and expanded deployment of a caller monitoring system in the IVR Launched new partnership with global leader in merchant services processing to bring customers top-tier payments and business solutions; continue to grow small business checking accounts Enhanced the Mobile App customer experience for rewards and offers as well as Zelle for small business; Mobile Banking Log-ins up 9% YoY and small business Zelle usage up 62% YoY Strategic Investments Across The Business Continuing to Deliver Strong Results

37 Branch Network Strategy Delivering a world-class branch experience through targeted growth • Leverage advanced geospatial analytics to prioritize high-growth micro-markets within the existing footprint, targeting areas with favorable population trends, density, and competitive gaps • Execute a disciplined approach of 135-150 new locations in footprint, balancing new branch builds, relocations, and optimization of underperforming sites to enhance network productivity - resulting in a similar size network • Prioritize investments in high-growth, priority markets, with impacts extending across the entire footprint, positioning Regions as the market leader among competitive market entrants • Modernize existing branch network, creating a welcoming, advice-oriented branch experience that customers expect from Regions as their hometown bank Strategic Priorities 135 to 150 Branch Builds 1,000 + Renovations Investing in High-Growth Priority Markets Targeted Expansion and Network Optimization

38 Corporate Banking Group A diversified engine for growth and long-term performance (1) As of 1Q26, Includes Ascentium Capital; (2)Private Companies, Includes Governments, Not-For-Profits; (3) Public & Private Companies, Includes public and privately owned professional real estate companies, developers, and investors Emerging Commercial $5M - $20M Middle Market $20M to $500M Large Corporate $500M - $2B Local and Dedicated Relationship Managers + Digital Local and Dedicated Relationship Managers + Industry & Product Specialists Dedicated Coverage Bankers + Industry Specialists & Strategic / Capital Advisory Clients Coverage Commercial Banking (2) 62,121 Client Relationships (1) 2,761 Associates (1) 170 Local Offices We bring deep local relationships backed by large bank capabilities How our model wins and differentiates us Our strategy begins and ends with Our People • Deeply-Embedded in Local • Tenured Teams & Clients • Brand Stability & Reliability Corporate & Institutional Banking (3) Corporate Banking, Real Estate Banking, Capital Markets Powered ByProcess • Relationship-Led • Local Decisioning • Industry-Relevant Expertise Technology • Over 5 years of AI • Customizable Solutions • Comprehensive Capabilities Out-Scale Regional Competitors Out-Local National Banks

39 Active credit risk and portfolio management remains a top priority ◦ NPLs of 0.98% decreased 6bps vs. 4Q25 ◦ Classified Loans of 3.25% decreased 36bps vs. 4Q25 ◦ QoQ risk rating upgrades outpaced downgrades 1.31x in 1Q across CBG Net charge-offs of 47bps for 1Q26(1) ◦ Core Business 39bps ◦ Ascentium 205bps Diversified Commercial Real Estate portfolio(2) that represents 16.8% of total loans outstandings: ◦ Office 0.9% of total loans outstanding Enhancing client soundness with risk mitigation solutions and education Total Revenue increased 6% vs prior year, driven by growth in Loan & Deposit balances, Capital Markets, and Treasury Management Record Treasury Management Revenue increased 4% vs. prior year, driven by client base growth of 6%(3) Average Loan Balances increased 2% vs prior quarter, while Ending Loan Balances increased 4.3% driven by increased line utilization and broad- based industry growth Capital Markets ex. CVA/DVA increased 4% vs. prior year driven by Loan Syndications, Swap Transactions, and Debt & Equity Underwriting Non-Interest Expense management remains a top priority Profitability Delivering full cash conversion and balance-sheet optimization through our local + expertise model, earning deep loyalty with ~75% of growth coming from clients with Regions for 5+ years Expanding coverage through investing in Commercial and Treasury Management talent across priority and core markets ◦ 2025 hiring plans exceeded ◦ 2025 revenue production goal exceeded ◦ >40% of new relationships originated from priority markets Small Business momentum continues, with SBA production up 18% YoY driven by strong banker performance and targeted market investments Award-winning Embedded ERP finance and advanced receivables platforms elevating digital leadership GrowthSoundness (1) Reflects Corporate Banking Group Segment results only; excludes Branch Small Business losses. (2) Total loans is representative of total bank, as of 03/31/26. (3) TM revenue, YTD YoY March '26 to March '25; YoY Client Growth, March '26 to March ‘25 Corporate Banking Group Driving continued long-term performance for our clients & our shareholders

40 Wealth Management Specialized expertise and tailored investment guidance to manage and grow wealth 1,262 Associates 232K Total Relationships(1) $185.2B Total Client Assets (1) Total Relationships consists of Total Private Wealth Relationships, Institutional Accounts, Highland Accounts, and Investment Services Accounts; reported on a one-month lag (2) Excludes Peers with Adjusted Items; vs PY Qtr Outperforming Our Peers NIR Growth Outpacing Peer Median(2) Strong, Consistent Revenue Contribution (23% of TOC NIR) How Our Model Wins Invest in people, elevating our brand, onboarding respected talent, and improving productivity Invest in high-opportunity geographies by capitalizing on priority markets Improve the client experience through ongoing innovation 201K Accounts Mass & Mass Affluent $0 - $500K HNW to UHNW Individuals & Families $500K - $100M+ Corporations & Government Entities $2M - $100M+ 17K Relationships 14K Accounts Investment Services Private Wealth Management Institutional Services All figures as of 1Q26

41 Launched Crypto ETF Investment Options enhancing our competitiveness and meeting client demand Deeper market intelligence: Formed a strategic research partnership with Cerulli & Associates to inform long-term strategy Delivered incremental Bridge and OneView improvements to enhance workflows, improve pipeline visibility, and increase advisor production Enhanced associate workflow controls to streamline operations, reduce risk and strengthen continuity — reinforcing governance, accountability, and operational resilience Expanded the Voice of the Client program for Investment Solutions — fielded more than 11,000 clients: Clients reported strong satisfaction and client engagement across key measures Overall Satisfaction: 4.67/5 Likelihood to Recommend: 4.61/5 Likelihood to Continue to Use: 4.67/5 Thought leadership at a scale: Delivered +190M earned media impressions with an advertising value equivalency of an estimated $1.76M, reinforcing Regions' visibility as a trusted market voice Provided timely geopolitical and economic commentary which drove elevated Regions.com traffic and deeper advisor-client conversations Continual Strength in NIR(1) in 1Q26 growth of 8.4% YoY, driven by strong production, increased assets, and improved market conditions Growing Net Income Before Taxes with an 1Q26 increase of 11% YoY, driven by growth in Total Revenue Assets Under Administration increased 7% YoY driven by IM&T Sales and improved equity market conditions Grew Total Investment Services Assets +$10B or 12%, YoY Average Loans up 3% YoY driven by growth in Investor Real Estate and Commercial Loans Delivered Strong Results Strategic Investments & Data Analytics Customer Experience & Communication Wealth Management Group Focus on execution & investments to optimize the client and associate experience (1) NIR includes the top of company portion of service charges on deposit accounts and similar smaller dollar amounts that are also attributable to the WM Segment.

42 $95.7 $95.6 $97.9 $62.8 $63.0 $65.7 $32.9 $32.6 $32.2 1Q25 4Q25 1Q26 $96.1 $95.7 $96.4 $63.1 $63.1 $64.0 $33.0 $32.6 $32.4 1Q25 4Q25 1Q26 Average Loans & Leases ($ in billions) Business LoansConsumer Loans Ending Loans & Leases ($ in billions) Loans Poised for continued growth QoQ Highlights & Outlook • Avg loans grew 1% while ending loans increased 2%, reflecting improving demand and line utilization • Avg business loans increased 2%, while average consumer loans decreased 1% • Broad-based C&I lending drove growth, led by power & utilities, manufacturing, healthcare, and asset-based lending ◦ Approximately half driven by higher line utilization, with the remainder from new loan originations, primarily to existing clients (~80%) ◦ Nearly two-thirds was investment-grade credits, and most of the remaining balance was near investment grade credits • Client sentiment continues to improve, with pipelines and commitments up 21% and 5% YoY • Expect FY26 avg loan balances to be up low single digits compared to 2025

43 $49.6 $4.9 $0.2 $7.4 $1.9 Commercial and Industrial CRE Mortgage - OO CRE Construction - OO IRE - Mortgage IRE - Construction 1Q26 Average Loan Composition $19.7$5.5 $5.7 $1.5 Mortgage Home Equity Other Consumer Consumer Credit Card Average Consumer Loans ($ in billions) $32.4B Average Business Loans ($ in billions) $64.0B

44 Consumer Lending Portfolio • Avg. origination FICO 757 • Current LTV 53% • 99% owner occupied • 1Q26 QTD NCO —% • Avg. origination FICO 761 • Current LTV 39% • 56% of portfolio is 1st lien • Avg. loan size $35,680 • $138M to convert to amortizing or balloon during 2026 • 1Q26 QTD NCO (0.01%) • Avg. origination FICO 781 • Avg. new loan $12,611 • 1Q26 Yield 7.84% • 1Q26 QTD NCO 1.82% • • Avg. origination FICO 773 • Avg. new line $9,398 • 1Q26 Yield 14.00% • 1Q26 QTD NCO 4.17% 5% 6% 5% 5% 10% 6% 7% 14% 9% 81% 68% 78% 2% 2% 2% Cons R/E secured Cons non-R/E secured Total consumer Not Available Above 720 620-680 Below 620 681-720 Consumer FICO Scores(1) (1) Refreshed FICO scores as of 03/31/2026. Consumer R/E secured balances comprise 78% of the Consumer portfolio while Consumer non-R/E balances comprise 22% of the Consumer portfolio. (2) Regions' Home Improvement Financing was formerly known as EnerBank. Residential Mortgage Consumer Credit Card Home Equity Home Improvement Financing(2)

45 Home Improvement Financing(2) Credit • Prime/Super-prime focus has resulted in a strong portfolio credit profile; average FICO of 754 Growth Opportunities • Continue to focus efforts on leveraging relationships across the organization to drive growth opportunities through referrals and enhanced value proposition. Strong Pipeline • Strong existing relationships provide a base of consistency while continuing to focus on adding high quality independent contractors and program sponsors. Production • 1Q26 loan production was impacted by seasonality and continues to be challenged by competitive and economic pressures. The high cost of home improvement jobs coupled with higher financing costs remain headwinds for growth, while prudent risk management and pricing discipline ensures that loan origination is resulting in high- quality, profitable loans. Ascentium & Home Improvement Financing (1) Key acquisition portfolio metrics were provided with the company's original announcement on Form 8-K dated February 27, 2020. (2) Regions' Home Improvement Financing previously known as EnerBank. Key acquisition portfolio metrics were provided with the company's original announcement on Form 8-K dated June 8, 2021. (3) Represents ending loan balance from June 2020 to March 2026. 1Q26 Ascentium Capital Home Improvement Financing 1Q Average Balances $2.7B $4.8B 1Q Portfolio Yield 8.5% 7.8% 1Q Going-on Yield 9.3% 9.0% 1Q NCOs 2.05% 1.82% Ascentium Capital(1) Origination Growth • Since acquisition, Ascentium Capital has grown by 38%(3) • 73% of branches are actively offering Ascentium solutions • In-footprint opportunities exist with the over 400k Small Business customers currently banked within the Consumer Branch network • Contributing to strategic growth are transactions originated through cross- marketing relationships with Commercial Banking, Branch Small Business, and Home Improvement Finance Credit • Instilled risk based pricing • Q1 NCOs remain range bound and are 35bps higher than 4Q25 Production • Q1 production is flat to 4Q25

46 All Other Commercial 3.5% Investor Real Estate 14.7% Financial Services 13.7% CRE Unsecured, including REITs 10.4% Govt. & Education 10.0% Consumer Services 8.1% Technology Services 5.5% Manufacturing 7.8% Energy 2.6% Agriculture .3% Utilities 3.6% Business Services 7.1% Distribution 7.1% Healthcare 5.6% Highly Diversified Business Portfolio (Outstanding balances as of March 31, 2026) $65.7B(1) (1) Balances as of 3/31/2026. (2) CRE Unsecured consists 69% of REITs. (2)

47 $3,081 $1,844 $5,520 $1,657 $729 (1) Non-Depository Financial Institutions (NDFI) $ in Millions is an estimate and based on Call Report Schedule RC-C definition. (2) Defined as Regions' Indirect Leverage Lending, Non-Recourse ABL/Factoring, and Asset-Backed Finance to Funds or Business Development Companies managed by Large Asset Managers. (3) Reclassifications primarily reflect loans previously reported as C&I on the Call Report. (4) 95% of new loans were investment grade. NDFI & Private Credit - Stable Composition and Solid Credit Quality Diversified, investment-grade portfolios aligned with Regions' core markets and industries Loans to Private Credit(2) (14%) • Structural protections in place, such as advance rate and borrowing base analysis, covenants, and frequent reporting requirements • ~80% Investment Grade 3/31/2026(1) $12.8B 13.1% of Total Loans ~70% Investment Grade Private Equity Subscription Lines (13%) Consumer Credit & Mortgage Intermediaries (6%) Other (43%) • Unsecured Equity REITs • Insurance Companies • Equipment Leasing • Supply Chain Finance Specialty Finance Companies (24%) Business Credit Intermediaries (38%) Asset Secured, Recourse Business Credit NDFI QoQ Balance Changes ($MM) 4Q 2025 $11,912 Reclassifications(3) $522 New Loans(4) $312 Net Drawdowns/Payments $85 1Q 2026 $12,831

48 Commercial Real Estate (Outstanding balances as of March 31, 2026) Highly Diversified Portfolio (IRE including Unsecured CRE) (1) Excludes $5.3B of Owner-occupied CRE whose source of repayment are individual businesses, and whose credit performance resembles Commercial during periods of stress. (2) Based off 12/31/2025 Risk Based Capital estimate. Supervisory limits in the December 2006 joint regulatory issuance "Guidance on Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices". Res. Homebuilders 7.4% Other 4.3% Hotel 4.5% Healthcare 7.5% Residential Land 0.5% Retail 7.9% Office 5.5% Data Center 3.5% Diversified 13.1% Industrial 10.6% Commercial Land 0.3% Self Storage 1.6% Medical Office Building 3.2% Apartments 30.1% $16.4B $ in billions % of Total Loans Unsecured CRE (incl. REITs) $ 6.8 7.0 % IRE 9.6 9.8 % Total(1) $ 16.4 16.8 % Yearly Loan Maturities 1% 25% 32% 23% 10% 6% 3% Multi-Family Office Other Real Estate Total Real Estate Matured 2026 2027 2028 2029 2030 >5years $— $1,000 $2,000 $3,000 Office 1% Data Center 11% Diversified 23% Apartments 5% Hotel 12% Industrial 16% Other 6% Healthcare 3% Self Storage 5% Retail 18% REITs within Total: $5.2B Key Portfolio Metrics • Unsecured loans for RE purposes generally have low leverage, with strong access to liquidity ◦ 59% of REIT outstanding balances are investment grade, which provides loss insulation to the overall portfolio ◦ Balance of remaining unsecured is primarily to institutional RE Funds backed by predominantly IG sponsors • Total IRE (incl unsec. CRE) to Risk Based Capital(2): 106% and Construction, Land, and Acq. & Dev. to Risk Based Capital: 17% are well below supervisory limits (300%/100%)

49 CRE- Office Portfolio (Outstanding balances as of March 31, 2026) (1) $ in Millions. Amounts include IRE and CRE Unsecured loans but exclude Held For Sale loans. Metrics represent 3/31/2026 results except for charge-offs, which reflects results for the 3 months ended March 31, 2026, annualized, based on average balances. NPL & ACL percentages are based on Portfolio totals. (2) Stressed LTV based on GreenStreet's Commercial Property Price Index as of April 7, 2026; applied the "Recent Peak" discount to properties where the latest appraisal is >1 year (35% discount); applied the "Past 12 Months" discount to properties where an appraisal occurred within the last year (0% discount). (3) Includes matured balances. (4) Comprised of REITs and business banking borrowers. • Business Offices secured = 97% / unsecured = 3% • IRE WA LTV 64% (based on appraisal at origination or most recent received); Stressed IRE WA LTV 88% using GreenStreet(2) • 61% of secured outstanding IRE balances are located in the South of which 87% is Class A • Investment Grade tenants make up 77% of Single Tenant IRE balances • $508M or approximately 56% of total Office balances will mature in the next 12 months(3) • While the Office segment remains stressed; well located, highly amenitized properties are observing improvements to property fundamentals Key Portfolio Metrics(1) Balances $907 % of Total Loans 0.9% NPL $98 NPL / Loans 10.8% Charge-offs $1 Charge-offs / Loans 0.2% ACL $44 ACL / Loans 4.8% Ongoing Portfolio Surveillance 46%54% Multi-Tenant Single Tenant 85% 15% Class A Class B Investor Real Estate Office Portfolio Overview 82% 18% Suburban Urban ACL Rates Single Tenant Multi Tenant Miscellaneous(4) 3.7% 8.9% 2.0%

50 Transportation - Trucking (Outstanding balances as of March 31, 2026) (1) $ in Millions. Metrics represent 3/31/2026 results except for charge-offs, which reflects results for the 3 months ended March 31, 2026, annualized, based on average balances. NPL & ACL percentages are based on Portfolio totals. Metrics are inclusive of the Ascentium portfolio. Key Portfolio Metrics(1) Balances $1,141 % of Total Loans 1.2% NPL $51 NPL / Loans 4.5% Charge-offs $22 Charge-offs / Loans 7.9% ACL $93 ACL / Loans 8.2% • While the year began with stable freight volumes and a constructive pricing environment, suggesting the multi-year freight recession may be coming to an end, the conflict in the Middle East has created uncertainty related to operating costs, supply chain disruptions and supply/demand dynamics • Contract freight with a fuel surcharge clause is a fundamentally better business than the current spot market • Diesel fuel has recently spiked by over $2 per gallon; higher diesel prices may compress operating margins, particularly if they remain elevated long term • Carrier exits and heightened regulatory enforcement have drawn down truck capacity; if the industry experiences a sustainable uptick in demand, carrier exits and tighter capacity could benefit freight rates • New originations in the sector have been curtailed and those that are being considered are either secured or targeted towards larger companies Ongoing Portfolio Surveillance

51 QoQ Highlights & Outlook • Avg deposits increased modestly, while ending balances increased ~1%, driven by normal seasonal patterns related to tax refunds and payments • Deposit costs continued to decline as balances grew, supported by a strong deposit franchise and disciplined customer acquisition and retention strategies • Deliberate mix shift from CDs to money market accounts continued across both consumer and wealth, with growth in combined balances • NIB mix remains stable in the low 30% range, reflecting the operational nature of the deposit base • Expect FY26 avg balances to be up low single digits compared to 2025 $131.0 $131.1 $131.9 $80.6 $80.2 $81.2 $39.7 $40.4 $40.6 $7.8 $8.3 $7.8 $2.9 $2.2 $2.3 1Q25 4Q25 1Q26 $127.7 $129.9 $130.2 $78.7 $79.5 $79.6 $38.3 $40.2 $40.7 $7.6 $7.8 $7.8 $3.1 $2.4 $2.1 1.40% 1.29% 1.20% 1Q25 4Q25 1Q26 (1) Other deposits represent non-customer balances primarily consisting of wholesale funding (for example, Eurodollar trade deposits, selected deposits and brokered time deposits). (2) IB deposit costs were 1.72%, 1.85%, and 2.02% in 1Q26, 4Q25, and 1Q25, respectively. Average Deposits by Segment ($ in billions) Deposits Disciplined deposit growth with improving mix and costs Wealth Mgt Other(1) Consumer Bank Corporate Bank Ending Deposits by Segment ($ in billions) Total Deposit Costs(2)

52 Diversified Deposit Base Insured/Uninsured Deposit Mix(1)(2) • ~71% of Total Deposits are covered by FDIC insurance or are collateralized (Public Funds or Trust) • No single depositor exceeds 1% of total deposits • Average Consumer NIB Account balance of ~$5K (as of 1Q26) • >90% of consumer checking households include a high- quality checking account(3); further, >60% of consumer deposit balances are with customers that have been with Regions for 10 years or more Retail Insured $78.7 Public Funds + Trust $10.7 Wholesale Insured $4.0 Wholesale Operational Uninsured $16.4 Wholesale Non-Operational Uninsured $12.8 Retail Uninsured $8.8 Other $0.5 Less Stable Categories (1) $ in billions as of 3/31/2026. (2) Data and categorization reflects FR 2052a (Complex Institution Liquidity Monitoring Report) methodology. Consolidated insured and uninsured balances are estimated from bank-level data and include approximations for certain deposit types. Accordingly, amounts shown will vary from other bank-level disclosures. (3) High quality checking account estimates are based on multiple individual account behaviors and activities (e.g., balances and transaction levels). More Stable Categories $131.9B

53 Deposit Advantage Well diversified deposit base vs. peers (1) As of 3/31/2026. Source: Bank Call Reports / SEC filings. Peers include CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION. ...Resulting in one of the highest mix of FDIC insured deposits amongst peers % of Total Deposits Insured By FDIC(1)% of Total Deposits Balance in Accounts Less than $250k(1) Regions holds a larger proportion of smaller deposit balance accounts when compared to the industry... 68% 62% 62% 61% 59% 57% 56% 55% 55% 54% 52% 51% 51% 48% Peer 2 Peer 5 RF Peer 9 Peer 6 Peer 4 Peer 3 Peer 7 Peer 10 Peer 8 Peer 11 Peer 1 Peer 13 Peer 12 54% 53% 50% 49% 47% 47% 47% 46% 45% 43% 42% 40% 40% 40% Peer 1 RF Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Peer 12 Peer 13 • Regions ranks at or near the top vs. peers in several metrics measuring the retail/granular nature of our deposit base • These facts bear out in the advantaged beta/cost observed this cycle

54 QoQ Highlights & Outlook • Declared 1Q common dividends of $227M and executed $401M in share repurchases • Dividend payout target of 40-50% of earnings • 1Q CET1 (inclusive of AOCI) was 9.4%(1)(6); In near- term, expect to manage around the mid-point of our 9.25 – 9.75% operating range(4) • Common book value per share of $20.39 and tangible common book value per share(4) of $13.69, increases of 9% and 11%, respectively YoY • Total Liquidity Sources well above required levels as informed by internal liquidity stress testing • Including capacity at the discount window, liquidity to uninsured deposits ratio is ~178%(5) 10.8% 10.9% 10.7% 1Q25 4Q25 1Q26 Capital and Liquidity Managing capital flexibility to support growth and shareholder returns 12.2% 12.0% 11.7% 1Q25 4Q25 1Q26 Tier 1 Capital Ratio(1) Common Equity Tier 1 Ratio(1) Position ($B) as of 1Q25 4Q25 1Q26 Cash at the Federal Reserve(2) $ 10.9 $ 7.7 $ 7.6 Unencumbered Investment Securities(3) 24.1 26.3 25.6 Federal Home Loan Bank Availability 10.8 11.1 10.7 Discount Window Availability 22.1 22.8 24.0 Total $ 67.9 $ 67.9 $ 67.9 (1) Current quarter ratios are estimated. (2) Fed master account closing balance only. Does not include other small in transit / processing items included in Call Report or SEC reports. (3) Unencumbered Investment Securities comprise securities that are eligible as collateral for secured transactions through market channels or are eligible to be pledged to the Federal Home Loan Bank, the Federal Reserve Discount Window, or the Standing Repo Facility. (4) See appendix for further information on the forward-looking guidance provided by the Company with respect to this non-GAAP measure. (5) This ratio excludes intercompany and secured deposits. (6) Non-GAAP; see Appendix for reconciliation. Total Liquidity Sources

55 Common Equity Tier 1 10.8% 10.9% 10.9% 10.7% 9.3% 9.6% 9.7% 9.4% Reported CET1 Ratio Adjusted CET1 Inclusive of AOCI Operating Range 2Q25 3Q25 4Q25 1Q26 CET1 Under Basel III Endgame (B3E) • In March, the Federal Reserve released a notice of proposed rulemaking (NPR) to implement B3E which, as expected, would include AOCI in Regulatory Capital • 1Q CET1 adjusted to include AOCI is estimated to be 9.4%(1)(2) ◦ In the near term, expect to manage CET1 inclusive of AOCI around the mid-point of our 9.25 – 9.75% Operating Range(3); Creates meaningful flexibility ◦ Continue to evaluate options to manage potential capital volatility introduced through the inclusion of AOCI via Held-to-Maturity, derivative hedging, asset selection • The NPR also proposes adjustments to risk weights within the Standardized Approach (SA) framework applicable to Regions ◦ Regions expects the proposed SA changes to reduce risk-weighted assets by approximately 10% which would increase capital levels shown below by approximately 100 basis points once fully implemented (1) (1) Current quarter ratio is estimated. (2) Non-GAAP; see appendix for reconciliation. (3) See appendix for further information on the forward-looking guidance provided by the Company with respect to this non- GAAP measure (1)(2) Operating Range | 9.25% - 9.75% B3E Update

56 • Prudent risk management evident in Federal Reserve's stress testing results 2.5% 1.8% Peer Median RF • Hedge program introduced in 2018 to protect NIM against falling interest rates was highly effective • Actions taken in 2022 and beyond to protect NIM if rates decrease now fully active • Stable organic capital generation is a strong first line of defense against losses 2024 CCAR Capital Degradation(1) Proactive Interest Rate Hedging Capital Resiliency (1) CET1 degradation results from the Federal Reserve's modeled results for the Severely Adverse Scenario in 2024 Stress Test. (2) Pro forma Post-Stress Capital calculated using 4Q24 reported CET1 and the Federal Reserve's modeled capital degradation in 2024 Stress Test. (3) PPI Coverage of Stressed Losses is calculated as the Federal Reserve's modeled 9-quarter PPI divided by 9-quarter Provision Expense in the 2024 Stress Test. Peers include CCAR participants: CFG, FITB, HBAN, KEY, MTB, PNC, TFC, USB. Source: 2024 Federal Reserve Stress Test Results - June 2024; FR Y-9C 10.80% 10.57% 10.63% 11.68% 10.52% 10.53% 10.80% 11.92% 11.53% 6.70% 7.97% 8.23% 8.38% 8.72% 8.93% 9.00% 9.32% 9.33% 4.1% 2.6% 2.4% 3.3% 1.8% 1.6% 1.8% 2.6% 2.2% Pro forma Post-Stress CET1 CCAR 2024 Degradation Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 RF Peer 7 Peer 8 37.4% 52.0% 53.8% 59.4% 63.1% 66.5% 70.5% 71.8% 75.9% Peer 1 Peer 4 Peer 7 Peer 2 Peer 8 Peer 3 Peer 6 Peer 5 RF Pro Forma Post-Stress Capital(2) Pre-Tax Pre-Provision Income Coverage of Stressed Losses(3) Capital Strength Robust capital balances and strong organic capital generation position Regions well for full range of potential economic conditions

57 Tangible Book Value Growth plus Dividends 3 and 5 yr CAGR excluding AOCI 3 Yr CAGR of TBV + Dividends 56.9% 19.6% 16.6% 15.5% 14.9% 14.9% 14.4% 14.0% 12.8% 12.5% 11.6% 11.2% 9.8% 5.6% Peer 1 Peer 2 Peer 3 RF Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Peer 12 Peer 13 5 Yr CAGR of TBV + Dividends 74.9% 18.4% 18.3% 17.3% 16.0% 15.3% 14.8% 14.7% 14.3% 14.2% 14.0% 13.2% 12.0% 10.5% Peer 1 RF Peer 9 Peer 2 Peer 8 Peer 3 Peer 5 Peer 7 Peer 11 Peer 4 Peer 10 Peer 6 Peer 12 Peer 13 As of 12/31/2025. Peers include CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION.

58 Driving Shareholder Value Peer-leading dividend growth while actively managing share count Post-Financial Crisis Maximum 1Q26 Period Shares Outstanding (MM) Shares Outstanding (MM)(1) Decline RF 1Q13 1,423 868 (39.0)% Peer 6 1Q17 211 147 (30.2)% Peer 1 2Q22 16 12 (25.6)% Peer 4 2Q14 539 405 (24.9)% Peer 9 3Q14 560 430 (23.3)% Peer 8 2Q11 1,929 1,555 (19.4)% Peer 5 2Q22 178 150 (15.8)% Peer 11 4Q22 572 487 (14.9)% Peer 3 1Q12 957 830 (13.3)% Peer 10 4Q20 1,362 1,267 (7.0)% Peer 2 4Q19 88 82 (6.9)% Peer 7 2Q25 102 99 (2.9)% Peer 12 3Q25 1,111 1,094 (1.5)% Peer 13 1Q26 1,901 1,901 —% 5 Yr Dividend Growth CAGR 34.9% 13.1% 11.3% 8.2% 8.1% 6.4% 5.8% 5.0% 4.4% 3.4% 2.9% 2.5% 2.1% 0.7% Peer 1 Peer 2 RF Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Peer 12 Peer 13 Source: S&P Capital IQ. Dividend growth CAGR calculated as of 4Q25 through 4Q20. Peers include CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION. (1) Weighted-average diluted shares outstanding.

59 7.17% 7.52% 7.74% 7.80% 7.54% 8.48% 8.65% 8.69% 8.69% 8.52% TCE Ratio Adjusted TCE Ratio, ex-AOCI 1Q25 2Q25 3Q25 4Q25 1Q26 6% 7% 8% 9% 10% Tangible Common Equity (1) Non-GAAP, see Appendix for reconciliation. • Higher levels of interest rates are generally beneficial to Regions through expansion in net interest margin and deposit value ◦ However, higher rates also result in unrealized losses within our securities and cash flow hedging portfolios which act as a drag on our ratio of TCE to Tangible assets Tangible Common Equity(1)

60 Modernization and Innovation Empowered by Data & Innovation Regions remains competitive by reserving ~10-12% of revenue for technology spend Core Banking and Data platform modernization(1) effort to enhance customer experience and agility Next Gen Platforms AI / ML Models that support client advice, analyze customer feedback and mitigate potential financial and client risks AI-Driven Analytics Technology Practices / Ways of Working Modern Authentication Enterprise Data Modernization New Mobile App API EnablementModern Infrastructure Investments in AI / GenAI Payments/Servicing Key Technology Advances Enabling engineers to quickly deliver secure, high-quality features that drive outcomes Protecting identities and assets with strong, seamless, reusable authentication Investing in modern data platforms to enhance decision making capabilities • Fit-for-purpose infrastructure • Expanding and Leveraging Cloud Services (AWS, Azure) • ATLAS Gen AI Gateway • Enhancing resiliency to ensure highly available, secure mission critical systems • Expanding use of Event Driven Architecture to support Payments and Core Modernization • ClientIQ - Call Planning Tool for Relationship Managers • Software Developer Co-pilots ROSIE – Personalized product and service offering anticipating customer needs rVoice – Integrated customer feedback aggregation & analysis • Highly scalable payments platform processing over $4T per year • Top 10 ACH Originator in the US • Direct Deposit Switcher Implemented • Self-service payment capabilities • Reliable and safe payment offerings • Open Banking & Embedded Finance • Enhanced Navigation • Easily Manage Finances • Better Account Maintenance • Fast-growing user base • Higher usage of Zelle and Virtual Assistant Chat features • Creates reusable services to speed development and manage change • Improved Efficiency • Enhanced Speed to Market • Secure-by-design APIs & integrations (1) Deposit system pilot expectations in 2026; Client Migrations in 2027 AI/GenAI-Powered Solutions

61 Core Modernization Benefits Enhancing Strategic Capabilities Migrating legacy cores to modern cloud-based platforms enhances strategic capabilities and reduces maintenance effort on outdated systems, allowing greater focus on customer experience ☑ Drive Growth Enable faster product and pricing deployment, enhance marketing through advanced analytics, and expand partnerships with leading financial service providers. ☑ Advance Strategic Focus Prioritize forward-looking initiatives including Artificial Intelligence, Data Strategy, Personalized Customer Experience, Finance Transformation, and Strategic Payments. ☑ Enhance Risk & Controls Improve risk posture through automated workflows, real-time monitoring, and integrated controls within core platform, while reinforcing business continuity & disaster recovery. ☑ Accelerate Solution Delivery Leverage a modern API architecture to enable faster internal development and embedded banking services across partner ecosystems such as retail platforms, FinTechs, and ERPs. ☑ Mature M&A Capabilities Improve scalability and integration through optimized data conversion and streamlined operational processes.

62 Launched ATLAS in 4Q 2025 • Enterprise-Grade, Governed AI Platform • Scalable Digital Foundation • Model-Agnostic AI Architecture • Operational Efficiency at • Enterprise Scale Harnessing GenAI Foundational Building for Future Growth Compliance Assistance Virtual Experts Copilots (GitHub, Microsoft) Deployed to over 12,000 Associates Intelligent Doc Processing Active Generative AI Use Cases GenAI Use Cases will be categorized by Patterns Patterns: • Enterprise Knowledge Enablement • Intelligent Document Analysis • Developer Productivity Acceleration • Controlled Automation of Business Processes • AI-Assisted Insights for the Workforce Patterns help avoid fragmentation, enhance scalability & maintainability Generative AI Patterns Safe, Secure, Transparent Solutions Generative AI Strategy Guiding Principles: Human in The Loop Design Managed Risk Secure AI Platform Objective: Significant Value from GenAI • Increase Efficiency • Increase Revenue • Mitigation of Client Risk Drivers to Prioritize AI Use Secure AI Platform

63 2.61 2.69 2.70 1Q24 1Q25 1Q26 4.35 5.03 6.19 1Q24 1Q25 1Q26 183 194 211 1Q24 1Q25 1Q26 24% 25% 24% 31% 31% 33% 45% 44% 43% Mobile ATM Branch 1Q24 1Q25 1Q26 76% 78% 80% 24% 22% 20% 1Q24 1Q25 1Q26 Growth in Digital Mobile Banking Log-Ins (Millions) Customer Transactions(2)(3) Deposit Transactions by Channel Mobile Banking Active Users (Millions)(1) Digital Non-Digital +42%+15% 17% 24% 27% 81% 74% 72% 2% 2% 1% Digital Branch Contact Center 1Q24 1Q25 1Q26 Consumer Checking Account Acquisitions by Channel(4) Customer Satisfaction Zelle Transactions (Millions) TransactionsDigital Usage +4% (1) Total number of unique customers who have successfully authenticated and logged into the mobile app at least once within the last 90 days. (2) Digital transactions represent online and mobile only; Non-digital transactions represent branches, contact centers and ATMs. (3) Transactions represent Consumer customer deposits, transfers, mobile deposits, fee refunds, withdrawals, payments, official checks, bill payments, and Western Union. Excludes ACH and Debit Card purchases/refunds. (4) Additional security controls in digital channels placed in 4Q23. Active efforts to drive quality digital acquisitions are in-progress resulting in performance improvement 2025 vs 2024. (5) Regions Bank received the highest score among regional banks ($65B to $250B in deposits) in the J.D. Power 2020-2022, and 2024-2025 U.S. Online Banking Satisfaction Studies which measures customer satisfaction with financial institutions' online experience for banking account management. Visit jdpower.com/awards for more details. Mobile App Online Banking(5) #1 in Customer Satisfaction for Regional Bank Online Experiences for five of the past six years Average 4.9 out of 5 rating from iOS app store users New Native Mobile App launched. Early customer feedback is strong, and usage of key functionality like Zelle and chat at all time highs, with customer chat volume up 64% YoY

64 Continuous Improvement in Risk Management Our commitment to strengthening credit risk disciplines and intentional portfolio shaping over the past decade-plus leaves us well positioned for sound, profitable growth Strong Origination Disciplines Aligned with Comprehensive Risk Framework ☑ Enhanced risk framework through expanded controls, policies and procedures ☑ Invested in data, analytics and market benchmarks to provide early-warning indicators and dynamic industry outlooks ☑ Centralized credit products underwriting, servicing, and exposure management within specialized lending units and enhanced approval structure for higher-risk portfolios ☑ Advanced risk rating methodologies and stress testing capabilities ☑ Modified incentive plans and pricing frameworks to better promote risk-reward alignment Active Portfolio Management and Non-Core Business Exits ☑ Derisked Commercial Real Estate Portfolio diversifying into less cyclical sectors ☑ Focused growth in higher quality relationships and segments including investment grade utilities, REITs, asset securitizations, and subscription lines, as well as Consumer Home Improvement Financing ☑ Actively reduced percent of portfolio comprised of leveraged loans and other higher risk segments ☑ Exited, reduced, or realigned portfolios (Oil Field Services, SoFi, GreenSky, Indirect Auto lending) ☑ Exited non-core businesses including Regions Insurance and Morgan Keegan ☑ Enhanced interest rate risk management through proactive hedging strategies Case Studies in Regions' Portfolio De-Risking 22% 16% 13% Co ns tr uc tio n an d La nd 2010 2020 2025 2010 2020 2025 In ve st m en t G ra de Eq ui va le nt s O ilf ie ld S er vi ce s 20% 29% 39% 36% 17% 16% % of Real Estate Loans % of Business Loans % of Energy Loans 2010 2020 2025

65 0.71% —% 0.50% 1.00% 1.50% 2.00% 2.50% 0.54% —% 0.50% 1.00% 1.50% 2.00% Historical Credit Profile Non-Performing Loans Total Net Charge-Offs 1Q20 1Q264Q221Q20 4Q22 1Q26 • Net charge-offs remained elevated primarily due to the previously identified portfolios of interest Average Pre-Pandemic 0.46% Average Pandemic 0.35% Average Pre-Pandemic 1.07% Average Pandemic 0.64% 1Q13 1Q13

66 0.63% —% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 0.50% —% 0.50% 1.00% Consumer Net Charge-Offs(2) Commercial Net Charge-Offs(1) 1Q20 1Q26 4Q22 1Q20 4Q22 1Q26 (1) Includes C&I, CRE - OO and IRE. (2) The spike in Consumer net charge-offs in late 2013 was associated with the move of ~$700M primarily accruing troubled debt restructured residential first mortgage loans to held for sale resulting in ~$150M of charge-offs. The spikes in 3Q22 and 4Q23 were associated with the fair value marks taken on the sales of ~$1.2B and ~$300M consumer unsecured loan portfolios resulting in $63M and $35M of incremental charge-offs, respectively. Average Pre-Pandemic 0.27% Average Pandemic 0.25% Average Pre-Pandemic 0.78% Average Pandemic 0.53% 1Q13 1Q13 Historical Credit Profile

67 QoQ Highlights & Outlook • 1Q annualized NCOs decreased 5bps to 54bps, reflecting continued progress on resolutions within previously identified portfolios of interest reserved for in prior periods • Business services criticized and total NPLs remained relatively stable, as upgrades outpaced downgrades; NPL ratio declined 2bps to 71bps, while the business services criticized ratio declined 16bps to 5.15% of business loans • Provision of $91M; ACL declined $39M as improved asset quality, risk-rating upgrades, and resolution of loans within previously identified portfolios of interest more than offset loan growth and macro uncertainty; ACL ratio down 8bps to 1.68%, while coverage of NPLs remains solid at 238% • Expect FY26 NCOs to be between 40 - 50bps Asset Quality Credit performance improving; metrics tracking favorably $1,730 $1,686 $1,647 1.81% 1.76% 1.68% 205% 242% 238% ACL ACL/Loans ACL/NPLs 1Q25 4Q25 1Q26 $123 $142 $130 0.52% 0.59% 0.54% NCOs NCOs Ratio 1Q25 4Q25 1Q26 $843 $698 $692 0.88% 0.73% 0.71% NPLs - excluding LHFS NPL/Loans 1Q25 4Q25 1Q26 (1) $ in Millions. Net Charge-Offs(1) Allowance for Credit Losses (ACL)(1) Non-Performing Loans (NPLs)(1)

68 QoQ Highlights • 1Q allowance decreased $39M compared to the prior quarter, resulting in a $91M provision expense. The decrease in the ACL and an increase in loan balances resulted in a reduction in the ACL % from 1.76% to 1.68% • The change in ACL resulted from: ◦ Economic/Qualitative net increase driven primarily by uncertainty as a result of the conflict in the Middle East ◦ Portfolio net decrease driven primarily by improvement in overall credit quality ◦ Decreases in Specific Reserve borrowers driven by charge-offs $1,686 $17 $(31) $(25) $1,647 Allowance for Credit Losses 03/31/2026 ($ in millions) 12/31/2025 Portfolio Changes Specific Reserve Changes Economic/ Qualitative Changes

69 Pre-R&S period 1Q2026 2Q2026 3Q2026 4Q2026 1Q2027 2Q2027 3Q2027 4Q2027 1Q2028 Real GDP, annualized % change 2.8 % 1.9 % 2.1 % 2.6 % 2.3 % 2.1 % 2.1 % 2.0 % 2.1 % Unemployment rate 4.4 % 4.4 % 4.4 % 4.3 % 4.3 % 4.2 % 4.2 % 4.1 % 4.1 % HPI, year-over-year % change 0.5 % 0.0 % (0.1) % (0.1) % 0.6 % 1.6 % 2.1 % 2.3 % 2.3 % CPI, year-over-year % change 2.8 % 4.0 % 3.4 % 3.2 % 2.8 % 1.8 % 2.1 % 2.2 % 2.2 % Base R&S Economic Outlook (As of March 2026) • A single, base economic forecast represents Regions’ internal outlook for the economy as of 1Q26 over the reasonable & supportable forecast period • Management considered alternative internal and external forecasts to establish appropriate qualitative adjustments • Final qualitative adjustments included consideration of the allowance's sensitivity to economic uncertainties that reflected a 15-20% increase in the unemployment rate

70 As of 3/31/2026 Day 1 Ratios (in millions) Loan Balance ACL ACL/Loans Actual Proforma C&I $48,077 $607 1.26 % CRE-OO mortgage 5,004 107 2.15 % CRE-OO construction 261 6 2.32 % Total commercial $53,342 $720 1.35 % 1.33 % 1.32 % IRE mortgage 7,706 96 1.24 % IRE construction 1,938 26 1.36 % Total IRE $9,644 $122 1.27 % 1.06 % 1.06 % Residential first mortgage 19,621 115 0.59 % Home equity lines 3,210 101 3.16 % Home equity loans 2,287 29 1.28 % Consumer credit card 1,472 126 8.55 % Other consumer 832 51 6.14 % Total consumer $27,422 $422 1.54 % 1.73 % 1.44 % Sold/Acquired Portfolios(1) $7,518 $383 5.08 % 5.92 % 5.08 % Total $97,926 $1,647 1.68 % 1.71 % 1.62 % Allowance Allocation Regions "Day 1" CECL ACL ratio on 1/1/2020 was 1.71%. The company has executed a number of de-risking strategies that have improved the overall loan portfolio. Taking the 1Q26 loan portfolio and applying the "Day 1" ACL rates would produce a proforma Day 1 ACL ratio of 1.62%. (1) Sold portfolios since Day 1 CECL include SoFi, GreenSky and Auto. Acquired portfolios include Ascentium and EnerBank.

71 Expectations for 2Q26 & FY26 • 2Q26 NII to increase ~2% vs 1Q26(3) • 2Q26 NIM in the mid to high 3.60%s, exiting the year in the low 3.70%s(3) • Expect Capital Markets quarterly revenue to continue increasing within the $90 – $105M range, trending toward the lower end in 2Q26, with momentum building thereafter • Expect to generate FY adj. positive operating leverage in 2026(2) • In the near term, expect to manage CET1 (inclusive of AOCI), around the mid-point of our 9.25 – 9.75% operating range(2) 2026 Expectations (1) Non-GAAP, see appendix for reconciliation of historical amounts. (2) See appendix for further information on the forward-looking guidance provided by the Company with respect to this non-GAAP measure. (3) Current expectations assume a mostly stable yield curve: range bound long-term rates (10-year 4-4.40%) and stable to modestly lower fed funds. FY 2026 Expectations Net Interest Income (vs. 2025 of $4,991) up 2.5 – 4%(3) Adjusted Non-Interest Income (vs. adjusted 2025 total of $2,585)(1) up 3 – 5%(2) Adjusted Non-Interest Expense (vs. adjusted 2025 total of $4,331)(1) up 1.5 – 3.5%(2) (Inclusive of investments) Average Loans (vs. 2025 of $96,124) up low single digits Average Deposits (vs. 2025 of $129,146) up low single digits Net Charge-Offs / Average Loans 40 – 50 bps Effective Tax Rate 20.5 – 21.5%

Internal Use Appendix

73 Management uses pre-tax pre-provision income (non-GAAP), adjusted pre-tax pre-provision income (non-GAAP), the adjusted efficiency ratio (non-GAAP), the adjusted fee income ratio (non-GAAP), return on average tangible common shareholders' equity (non-GAAP), adjusted return on average tangible common shareholders' equity (non-GAAP), common equity Tier 1 ratio (inclusive of AOCI) (non-GAAP), as well as adjusted net income available to common shareholders (non-GAAP) and adjusted diluted EPS (non-GAAP) to monitor performance and believes these measures provide meaningful information to investors. Non-interest expense (GAAP) is presented excluding certain adjustments to arrive at adjusted non-interest expense (non-GAAP), which is the numerator for the adjusted efficiency ratio. Non-interest income (GAAP) is presented excluding certain adjustments to arrive at adjusted non-interest income (non-GAAP), which is the numerator for the adjusted fee income ratio. Adjusted non-interest income (non-GAAP) and adjusted non-interest expense (non-GAAP) are used to determine adjusted pre-tax pre-provision income (non-GAAP). Net interest income (GAAP) on a taxable-equivalent basis and non-interest income are added together to arrive at total revenue on a taxable-equivalent basis. Adjustments are made to arrive at adjusted total revenue on a taxable-equivalent basis (non-GAAP), which is the denominator for the adjusted fee income and adjusted efficiency ratios. Net income available to common shareholders (GAAP) is presented excluding certain adjustments, net of tax, to arrive at adjusted net income available to common shareholders (non-GAAP), which is the numerator for adjusted diluted EPS (non-GAAP). Return on average tangible common shareholders' equity (non-GAAP) is calculated by dividing net income available to common shareholders (GAAP) by the average tangible common shareholders’ equity (non-GAAP). Net income available to common shareholders (GAAP) is presented excluding certain adjustments, net of tax, to arrive at adjusted net income available to common shareholders (non-GAAP), which is the numerator for adjusted return on average tangible common shareholders’ equity. Adjusted return on average tangible common shareholders' equity is calculated by dividing the adjusted net income available to common shareholders (non-GAAP) by the average tangible common shareholders’ equity (non-GAAP). Common equity Tier 1 ratio (inclusive of AOCI) (non-GAAP) is calculated by dividing the adjusted common equity tier 1 (non-GAAP), which is arrived at by excluding the AOCI loss on securities and AOCI loss on defined benefit pension plans and other post employment benefits from common equity Tier 1, by the company’s total risk-weighted assets (GAAP). Regions believes that the exclusion of these adjustments provides a meaningful basis for period-to-period comparisons, which management believes will assist investors in analyzing the operating results of the company and predicting future performance. These non- GAAP financial measures are also used by management to assess the performance of Regions’ business. It is possible that the activities related to the adjustments may recur; however, management does not consider the activities related to the adjustments to be indications of ongoing operations. Regions believes that presentation of these non-GAAP financial measures will permit investors to assess the performance of the company on the same basis as that applied by management. Tangible common book value per share is calculated by dividing tangible common shareholders' equity (non-GAAP) by tangible assets (non-GAAP). The numerator for tangible book value per share (non-GAAP), tangible common shareholders' equity (non-GAAP), is calculated by excluding intangible assets and the deferred tax liability related to intangible assets from common shareholders' equity (GAAP). The denominator for tangible book value per share (non-GAAP), tangible assets (non-GAAP), is calculated by excluding intangible assets and the deferred tax liability related to intangible assets from total assets (non-GAAP). Tangible common shareholders’ equity ratios have become a focus of some investors and management believes they may assist investors in analyzing the capital position of the company absent the effects of intangible assets and preferred stock. Analysts and banking regulators have assessed Regions’ capital adequacy using the tangible common shareholders’ equity measure. Because tangible common shareholders’ equity is not formally defined by GAAP or prescribed in any amount by federal banking regulations it is currently considered to be a non-GAAP financial measure and other entities may calculate it differently than Regions’ disclosed calculations. Since analysts and banking regulators may assess Regions’ capital adequacy using tangible common shareholders’ equity to tangible assets, management believes that it is useful to provide investors the ability to assess Regions’ capital adequacy on this same basis. Non-GAAP financial measures have inherent limitations, are not required to be uniformly applied and are not audited. Although these non-GAAP financial measures are frequently used by stakeholders in the evaluation of a company, they have limitations as analytical tools, and should not be considered in isolation, or as a substitute for analyses of results as reported under GAAP. In particular, a measure of earnings that excludes selected items does not represent the amount that effectively accrues directly to stockholders. Additionally, our non-GAAP financial measures may not be comparable to similar non-GAAP financial measures used by other companies and there is no certainty that we will not incur expenses in the future that are similar to those excluded in the calculations of non- GAAP financial measures presented herein. Management and the Board of Directors utilize non-GAAP measures as follows: • Preparation of Regions' operating budgets • Monthly financial performance reporting • Monthly close-out reporting of consolidated results (management only) • Presentation to investors of company performance • Metrics for incentive compensation Note on Forward-Looking Guidance The Company has also provided forward-looking guidance with respect to certain of the non-GAAP measures, which excludes from the corresponding GAAP financial measures the effect of certain adjustments. The Company has not provided a reconciliation of such non-GAAP guidance to guidance presented on a GAAP basis because it cannot predict and quantify without unreasonable effort all of the adjustments that may occur during the period due to the difficulty of presenting the timing and amounts of various items within a reasonable range. Non-GAAP Information

74(1) Simple average of 4 trailing quarters of risk-weighted assets calculated from applicable periods' Call Report data. Quarter Ended Year Ended ($ amounts in millions) 3/31/2026 2025 2024 2023 2022 2021 2020 2019 Net income available to common shareholders (GAAP) $ 539 $ 2,061 $ 1,774 $ 1,976 $ 2,146 $ 2,400 $ 991 $ 1,503 Preferred dividends (GAAP) 20 95 119 98 99 121 103 79 Income tax expense (GAAP) 155 587 461 533 631 694 220 403 Income before income taxes (GAAP) 714 2,743 2,354 2,607 2,876 3,215 1,314 1,985 Provision for (benefit from) credit losses (GAAP) 91 470 487 553 271 (524) 1,330 387 Pre-tax pre-provision income (non-GAAP) 805 3,213 2,841 3,160 3,147 2,691 2,644 2,372 Other adjustments: Gain on sale of affordable housing residential mortgage loans — — — — — — — (8) Securities (gains) losses, net — 50 208 5 1 (3) (4) 28 Gains on equity investment — — — — — (3) (50) — Leveraged lease termination gains, net — — — (2) (1) (2) (2) (1) Bank-owned life insurance — — — — — (18) (25) — Insurance proceeds — — — — (50) — — — FDIC insurance special assessment — (17) 16 119 — — — — Salaries and employee benefits—severance charges — 2 30 31 — 6 31 5 Branch consolidation, property and equipment charges — (5) 3 7 3 5 31 25 Contribution to the Regions Financial Corporation foundation — — — — — 3 10 — Early extinguishment of debt — — — (4) — 20 22 16 Acquisition expenses — — — — — — 1 — Professional, legal and regulatory expenses — 2 3 1 179 15 7 — Other Miscellaneous expenses — — (37) — — — — — Total other adjustments — 32 223 157 132 23 21 65 Adjusted pre-tax pre-provision income (non-GAAP) A $ 805 $ 3,245 $ 3,064 $ 3,317 $ 3,279 $ 2,714 $ 2,665 $ 2,437 Net loan charge-offs (GAAP) B $ 130 $ 513 $ 458 $ 397 $ 263 $ 204 $ 512 $ 358 Simple avg of 4 trailing quarters of RWAs (1) C $ 125,391 $ 124,909 $ 124,984 $ 126,605 $ 122,121 $ 108,900 $ 108,438 $ 105,996 Annualized PPI less Charge-offs / Average Risk-Weighted Assets A-B / C 2.18 % 2.19 % 2.09 % 2.31 % 2.47 % 2.30 % 1.99 % 1.96 % Non-GAAP Reconciliation Pre-Tax Pre-Provision Income (PPI) Less Charge-Offs to Risk-Weighted Assets

75 Non-GAAP reconciliation Return on Average Tangible Common Shareholders' Equity Quarter Ended Year Ended ($ amounts in millions) 3/31/2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 RETURN ON AVERAGE TANGIBLE COMMON SHAREHOLDERS' EQUITY Net income available to common shareholders A $ 539 $ 2,061 $ 1,774 $ 1,976 $ 2,146 $ 2,400 $ 991 $ 1,503 $ 1,695 $ 1,199 $ 1,099 $ 998 Average shareholders' equity 19,077 $ 18,541 $ 17,484 $ 16,522 $ 16,503 $ 18,201 $ 17,382 $ 16,082 $ 15,381 $ 16,665 $ 17,126 $ 16,916 Less: Average intangible assets 5,869 5,887 5,920 5,960 6,023 5,435 5,239 4,943 5,010 5,103 5,125 5,099 Average deferred tax liability related to intangibles (138) (130) (117) (106) (103) (99) (99) (94) (97) (148) (162) (170) Average preferred stock 1,369 1,491 1,693 1,659 1,659 1,658 1,509 1,151 820 820 820 848 Average tangible common shareholders' equity B $ 11,977 $ 11,293 $ 9,988 $ 9,009 $ 8,924 $ 11,207 $ 10,733 $ 10,082 $ 9,648 $ 10,890 $ 11,343 $ 11,139 Return on average tangible common shareholders' equity A/B 18.26 % 18.25 % 17.77 % 21.93 % 24.05 % 21.42 % 9.23 % 14.91 % 17.57 % 11.01 % 9.69 % 8.96 %

76 As of and for Quarter Ended ($ amounts in millions, except per share data) 3/31/2026 12/31/2025 9/30/2025 6/30/2025 3/31/2025 TANGIBLE COMMON RATIOS Shareholders’ equity (GAAP) A $ 18,779 $ 19,043 $ 19,049 $ 18,666 $ 18,530 Less: Preferred stock (GAAP) 1,369 1,369 1,369 1,369 1,715 Common shareholders' equity (GAAP) B 17,410 17,674 17,680 17,297 16,815 Less: Intangible assets (GAAP) 5,866 5,873 5,879 5,886 5,894 Deferred tax liability related to intangibles (GAAP) (141) (138) (133) (130) (126) Tangible common shareholders’ equity (non-GAAP) C $ 11,685 $ 11,939 $ 11,934 $ 11,541 $ 11,047 Less: AOCI, after-tax (GAAP) $ (1,718) $ (1,535) $ (1,660) $ (1,967) $ (2,283) Tangible common shareholders’ equity excluding AOCI (non-GAAP) D $ 13,403 $ 13,474 $ 13,594 $ 13,508 $ 13,330 Total assets (GAAP) E $ 160,741 $ 158,814 $ 159,940 $ 159,206 $ 159,846 Less: Intangible assets (GAAP) 5,866 5,873 5,879 5,886 5,894 Deferred tax liability related to intangibles (GAAP) (141) (138) (133) (130) (126) Tangible assets (non-GAAP) F $ 155,016 $ 153,079 $ 154,194 $ 153,450 $ 154,078 Less: AOCI, pre-tax (GAAP) $ (2,302) $ (2,057) $ (2,220) $ (2,631) $ (3,053) Tangible assets excluding AOCI (non-GAAP) G $ 157,318 $ 155,136 $ 156,414 $ 156,081 $ 157,131 Shares outstanding—end of quarter H 854 868 885 894 899 Total equity to total assets (GAAP) A/E 11.68 % 11.99 % 11.91 % 11.72 % 11.59 % Tangible common shareholders’ equity to tangible assets (non-GAAP) C/F 7.54 % 7.80 % 7.74 % 7.52 % 7.17 % Common book value per share (GAAP) B/H $ 20.39 $ 20.36 $ 19.98 $ 19.35 $ 18.70 Tangible common book value per share (non-GAAP) C/H $ 13.69 $ 13.75 $ 13.49 $ 12.91 $ 12.29 Tangible common shareholders’ equity to tangible assets (non-GAAP), ex. AOCI D/G 8.52 % 8.69 % 8.69 % 8.65 % 8.48 % Non-GAAP Reconciliation Tangible Common Ratios

77 Non-GAAP Reconciliation Net Income Available to Common Shareholders, Adjusted Diluted EPS, and Return Ratios NM - Not Meaningful Quarter Ended ($ amounts in millions) 3/31/2026 12/31/2025 9/30/2025 6/30/2025 3/31/2025 1Q26 vs. 4Q25 1Q26 vs. 1Q25 Net income available to common shareholders (GAAP) A $ 539 $ 514 $ 548 $ 534 $ 465 $ 25 4.9 % $ 74 15.9 % Adjustments: Securities (gains) losses, net — — 25 — 25 — NM (25) (100.0) % FDIC insurance special assessment — (14) (3) (1) 1 14 100.0 % (1) (100.0) % Salaries and employee benefits—severance charges — — — 1 1 — NM (1) (100.0) % Branch consolidation, property and equipment charges — — (5) — — — NM — NM Professional, legal and regulatory expenses — — — — 2 — NM (2) (100.0) % Preferred stock redemption expense — — — 4 — — NM — NM Total adjustments — (14) 17 4 29 $ 14 100.0 % $ (29) (100.0) % Tax impact of adjusted items — 4 (4) — (7) (4) (100.0) % 7 100.0 % Adjusted net income available to common shareholders (non-GAAP) B $ 539 $ 504 $ 561 $ 538 $ 487 $ 35 6.9 % $ 52 10.7 % Weighted-average diluted shares C 868 880 894 900 910 Diluted EPS (GAAP) A/C $ 0.62 $ 0.58 $ 0.61 $ 0.59 $ 0.51 $ 0.04 6.9 % $ 0.11 21.6 % Adjusted diluted EPS (non-GAAP) B/C 0.62 0.57 0.63 0.60 0.54 $ 0.05 8.8 % $ 0.08 14.8 % Average shareholders' equity (GAAP) 19,077 18,986 18,688 18,350 18,127 91 0.5 % 950 5.2 % Less: Average preferred stock (GAAP) 1,369 1,369 1,369 1,513 1,715 — — % (346) (20.2) % Average common shareholders' equity (GAAP) D 17,708 17,617 17,319 16,837 16,412 91 0.5 % 1,296 7.9 % Less: Average intangible assets (GAAP) 5,869 5,876 5,883 5,891 5,899 (7) (0.1) % (30) (0.5) % Average deferred tax liability related to intangibles (GAAP) (138) (135) (131) (127) (126) (3) (2.2) % (12) (9.5) % Average tangible common shareholders' equity (non-GAAP) E $ 11,977 $ 11,876 $ 11,567 $ 11,073 $ 10,639 101 0.9 % 1,338 12.6 % Return on average common shareholders' equity (GAAP) A/D 12.35 % 11.58 % 12.56 % 12.72 % 11.49 % Return on average tangible common shareholders' equity (non-GAAP) A/E 18.26 % 17.17 % 18.81 % 19.34 % 17.72 % Adjusted return on average tangible common shareholders' equity (non-GAAP) B/E 18.26 % 16.84 % 19.24 % 19.48 % 18.58 %

78 Non-GAAP Reconciliation Pre-Tax Pre-Provision Income (PPI) Quarter Ended ($ amounts in millions) 3/31/2026 12/31/2025 9/30/2025 6/30/2025 3/31/2025 1Q26 vs. 4Q25 1Q26 vs. 1Q25 Net income available to common shareholders (GAAP) $ 539 $ 514 $ 548 $ 534 $ 465 $ 25 4.9 % $ 74 15.9 % Preferred dividends and other (GAAP) 20 20 21 29 25 — — % (5) (20.0) % Income tax expense (GAAP) 155 174 139 143 131 (19) (10.9) % 24 18.3 % Income before income taxes (GAAP) 714 708 708 706 621 6 0.8 % 93 15.0 % Provision for credit losses (GAAP) 91 115 105 126 124 (24) (20.9) % (33) (26.6) % Pre-tax pre-provision income (non-GAAP) 805 823 813 832 745 (18) (2.2) % 60 8.1 % Other adjustments: Securities (gains) losses, net — — 25 — 25 — NM (25) (100.0) % FDIC insurance special assessment — (14) (3) (1) 1 14 100.0 % (1) (100.0) % Salaries and employee benefits—severance charges — — — 1 1 — NM (1) (100.0) % Branch consolidation, property and equipment charges — — (5) — — — NM — NM Professional, legal and regulatory expenses — — — — 2 — NM (2) (100.0) % Total other adjustments — (14) 17 — 29 14 100.0 % (29) (100.0) % Adjusted pre-tax pre-provision income (non-GAAP) $ 805 $ 809 $ 830 $ 832 $ 774 $ (4) (0.5) % $ 31 4.0 % NM - Not Meaningful

79 Non-GAAP Reconciliation NII, Non-Interest Income/Expense, and Efficiency Ratio NM - Not Meaningful Quarter Ended ($ amounts in millions) 3/31/2026 12/31/2025 9/30/2025 6/30/2025 3/31/2025 1Q26 vs. 4Q25 1Q26 vs. 1Q25 Non-interest expense (GAAP) A $ 1,068 $ 1,098 $ 1,103 $ 1,073 $ 1,039 $ (30) (2.7) % $ 29 2.8 % Adjustments: FDIC insurance special assessment — 14 3 1 (1) (14) (100.0) % 1 100.0 % Branch consolidation, property and equipment charges — — 5 — — — NM — NM Salary and employee benefits—severance charges — — — (1) (1) — NM 1 100.0 % Professional, legal and regulatory expenses — — — — (2) — NM 2 100.0 % Adjusted non-interest expense (non-GAAP) B $ 1,068 $ 1,112 $ 1,111 $ 1,073 $ 1,035 $ (44) (4.0) % $ 33 3.2 % Net interest income (GAAP) C $ 1,248 $ 1,281 $ 1,257 $ 1,259 $ 1,194 $ (33) (2.6) % $ 54 4.5 % Taxable-equivalent adjustment 13 13 12 12 12 — — % 1 8.3 % Net interest income, taxable-equivalent basis D $ 1,261 $ 1,294 $ 1,269 $ 1,271 $ 1,206 $ (33) (2.6) % $ 55 4.6 % Non-interest income (GAAP) E 625 640 659 646 590 (15) (2.3) % 35 5.9 % Adjustments: Securities (gains) losses, net — — 25 — 25 — NM (25) (100.0) % Adjusted non-interest income (non-GAAP) F $ 625 $ 640 $ 684 $ 646 $ 615 (15) (2.3) % $ 10 1.6 % Total revenue C+E=G $ 1,873 $ 1,921 $ 1,916 $ 1,905 $ 1,784 $ (48) (2.5) % $ 89 5.0 % Adjusted total revenue (non-GAAP) C+F=H $ 1,873 $ 1,921 $ 1,941 $ 1,905 $ 1,809 $ (48) (2.5) % $ 64 3.5 % Total revenue, taxable-equivalent basis D+E=I $ 1,886 $ 1,934 $ 1,928 $ 1,917 $ 1,796 $ (48) (2.5) % $ 90 5.0 % Adjusted total revenue, taxable-equivalent basis (non-GAAP) D+F=J $ 1,886 $ 1,934 $ 1,953 $ 1,917 $ 1,821 $ (48) (2.5) % $ 65 3.6 % Operating leverage ratio (GAAP) I-A 2.2 % Adjusted operating leverage ratio (non-GAAP) J-B 0.3 % Efficiency ratio (GAAP) A/I 56.6 % 56.8 % 57.2 % 56.0 % 57.9 % Adjusted efficiency ratio (non-GAAP) B/J 56.6 % 57.5 % 56.9 % 56.0 % 56.8 % Fee income ratio (GAAP) E/I 33.1 % 33.1 % 34.2 % 33.7 % 32.9 % Adjusted fee income ratio (non-GAAP) F/J 33.1 % 33.1 % 35.0 % 33.7 % 33.8 %

80 Non-GAAP Reconciliation Non-Interest Income Year Ended ($ amounts in millions) 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 Non-interest income (GAAP) $ 2,535 $ 2,265 $ 2,256 $ 2,429 $ 2,524 $ 2,393 $ 2,116 $ 2,019 $ 1,962 $ 2,011 $ 1,937 $ 1,785 $ 2,096 $ 2,201 $ 2,226 Security (gains) losses, net 50 208 5 1 (3) (4) 28 (1) (19) (6) (29) (27) (26) (48) (112) Bank owned life insurance — — — — (18) (25) — — — — — — — — — Leveraged lease terminations income — — (2) (1) (2) (2) (1) (8) (1) (8) (8) (10) (39) (14) (8) Loss on sale of mortgage loans — — — — — — — — — — — — — — 3 Gain on sale of other assets — — — — — — — — — — — — (24) — — Gain on sale of affordable housing residential mortgage loans — — — — — — (8) — (5) (5) — — — — — Gains on equity investment — — — — (3) (50) — — — — — — — — — Insurance proceeds — — — (50) — — — — — (50) (91) — — — — Adjusted non-interest income (non- GAAP) $ 2,585 $ 2,473 $ 2,259 $ 2,379 $ 2,498 $ 2,312 $ 2,135 $ 2,010 $ 1,937 $ 1,942 $ 1,809 $ 1,748 $ 2,007 $ 2,139 $ 2,109 Less: Business sold in a subsequent period (1) $ — $ — $ — $ — $ — $ — $ — $ — $ — $ — $ — $ — $ 117 $ 111 $ 108 Adjusted non-interest income excluding business sold in a subsequent period(non-GAAP) $ 2,585 $ 2,473 $ 2,259 $ 2,379 $ 2,498 $ 2,312 $ 2,135 $ 2,010 $ 1,937 $ 1,942 $ 1,809 $ 1,748 $ 1,890 $ 2,028 $ 2,001 _____ (1) In 2018, the Company sold Regions Insurance Group, Inc. and the results of this entity were separately disclosed as discontinued operations in all periods presented externally. The results from Regions Insurance Group, Inc. have been removed in previous periods for comparability.

81 Non-GAAP Reconciliation Non-Interest Expense Twelve Months Ended December 31 ($ amounts in millions) 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 Non-interest expense (GAAP) $ 4,313 $ 4,242 $ 4,416 $ 4,068 $ 3,747 $ 3,643 $ 3,489 $ 3,570 $ 3,491 $ 3,483 Adjustments: FDIC insurance special assessment 17 (16) (119) — — — — — — — Contribution to Regions Financial Corporation foundation — — — (3) (10) — (60) (40) — Professional, legal and regulatory expenses (2) (3) (1) (179) (15) (7) — — — (3) Branch consolidation, property and equipment charges 5 (3) (7) (3) (5) (31) (25) (11) (22) (58) Expenses associated with residential mortgage loan sale — — — — — — — (4) — — Early extinguishment of debt — — 4 — (20) (22) (16) — — (14) Salary and employee benefits—severance charges (2) (30) (31) — (6) (31) (5) (61) (10) (21) Acquisition expense — — — — — (1) — — — — Other miscellaneous expenses — 37 — — — — — — — — Adjusted non-interest expense (non-GAAP) $ 4,331 $ 4,227 $ 4,262 $ 3,886 $ 3,698 $ 3,541 $ 3,443 $ 3,434 $ 3,419 $ 3,387

82 Quarter Ended ($ amounts in millions) 3/31/2026 12/31/2025 9/30/2025 6/30/2025 3/31/2025 CET1 RATIOS Common Equity Tier 1(1) A $ 13,419 $ 13,490 $ 13,620 $ 13,533 $ 13,355 Adjustments: AOCI gain (loss) on securities(2) (1,172) (1,076) (1,241) (1,485) (1,645) AOCI gain (loss) on defined benefit pension plans and other post employment benefits (387) (391) (396) (401) (406) Common Equity Tier 1 (inclusive of AOCI)(non-GAAP) B $ 11,860 $ 12,023 $ 11,983 $ 11,647 $ 11,304 Total risk-weighted assets(1) C $ 125,682 $ 123,882 $ 125,386 $ 125,755 $ 123,755 Common Equity Tier 1 ratio(1)(3) A/C 10.7 % 10.9 % 10.9 % 10.8 % 10.8 % Common Equity Tier 1 ratio (inclusive of AOCI)(non-GAAP)(1)(3) B/C 9.4 % 9.7 % 9.6 % 9.3 % 9.1 % Non-GAAP Reconciliation CET1- inclusive of AOCI(4) (1) Common equity Tier 1 as well as Total risk-weighted assets are estimated. (2) Represents AOCI on AFS and HTM securities (3) Amounts calculated based upon whole dollar values (4) Consistent with the proposed Basel III Endgame rules, AOCI for CF hedges remains excluded.

83 Forward-Looking Statements This presentation may include forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. In addition, the company, through its senior management, may from time to time make forward-looking public statements concerning the matters described herein. The words “future,” “anticipates,” “assumes,” “intends,” “plans,” “seeks,” “believes,” “predicts,” “potential,” “objectives,” “estimates,” “expects,” “targets,” “projects,” “outlook,” “forecast,” “would,” “will,” “may,” “might,” “could,” “should,” “can,” and similar terms, expressions, and graphics often signify forward-looking statements. Forward-looking statements are subject to the risk that the actual effects may differ, possibly materially, from what is reflected in those forward-looking statements due to factors and future developments that are uncertain, unpredictable and in many cases beyond our control. Forward-looking statements are not based on historical information, but rather are related to future operations, strategies, financial results or other developments. Forward-looking statements are based on management’s current expectations as well as certain assumptions and estimates made by, and information available to, management at the time the statements are made. Those statements are based on general assumptions and are subject to various risks, and because they also relate to the future they are likewise subject to inherent uncertainties and other factors that may cause actual results to differ materially from the views, beliefs and projections expressed in such statements. Therefore, we caution you against relying on any of these forward-looking statements. These risks, uncertainties and other factors include, but are not limited to, those described below: • Our businesses have been, and may continue to be, adversely affected by conditions in the financial markets and economic conditions generally. • Fluctuations in market interest rates, including the level and shape of the yield curve, may adversely affect our performance. • If we experience greater credit losses in our loan portfolios than anticipated, our earnings may be materially adversely affected. • Any future reductions in our credit ratings may increase our funding costs and place limitations on business activities. • Changes in the soundness of other financial institutions could adversely affect us. • We may suffer losses if the value of collateral declines in stressed market conditions. • Ineffective liquidity management could adversely affect our financial results and condition. • Loss of deposits or a change in deposit mix could increase our funding costs. • We rely on the mortgage secondary market to manage various risks. • We are at risk of a variety of systems failures or errors and cyber-attacks or other similar incidents that could adversely affect customer experience and our business and financial performance. • We are subject to complex and evolving laws, regulations, rules, standards and contractual obligations regarding privacy and cybersecurity, which could increase the cost of doing business, compliance risks and potential liability. • We will continually encounter technological change and must effectively anticipate, develop and implement new technology. • The development and use of AI presents risks and challenges that may adversely impact our business. • Industry competition, including competition from decentralized finance platforms, cryptocurrencies and blockchain technologies could disrupt our business model and adversely affect our revenues, market share or liquidity. • Our operations are concentrated primarily in the South, Midwest and Texas, and adverse changes in the economic conditions in this region can adversely affect our financial results and condition. • Weakness in the residential real estate markets could adversely affect our performance. • Weakness in the commercial real estate markets could adversely affect our performance. • Risks associated with home equity products where we are in a second lien position could adversely affect our performance. • Weakness in commodity businesses could adversely affect our performance. • An outbreak or escalation of hostilities between countries or within a country or region could have a material adverse effect on the U.S. economy and on our businesses. • We are subject to a variety of operational risks, including the risk of fraud or theft by internal or external parties, which may adversely affect our business and results of operations. • We rely on other companies to provide key components of our business infrastructure. • We depend on the accuracy and completeness of information about clients and counterparties. • We are exposed to risk of environmental liability when we take title to property. • We can be negatively affected if we fail to identify and address operational risks associated with the introduction of or changes to products, services and delivery platforms. • Enhanced regulatory and other standards for the oversight of vendors and other service providers can result in higher costs and other potential exposures. • We are, and may in the future be, subject to claims and litigation calling into question our right to use the intellectual property underlying certain technology in our business. Forward-Looking Statements

84 • Weather-related events, pandemics and other natural or man-made disasters could cause a disruption in our operations or lead to other consequences that could adversely impact our financial results and condition. These impacts could be intensified by climate change. Heightening focus on climate change may also carry transition risks that could negatively impact our results of operations and financial condition. • We are subject to sociopolitical risks that could adversely affect our business, reputation and the trading price of our common stock. • Damage to our reputation could significantly harm our businesses. • We are, and may in the future be, subject to litigation, investigations and governmental proceedings that may result in liabilities adversely affecting our financial condition, business or results of operations or in reputational harm. • We are subject to extensive governmental regulation, which could have an adverse impact on our operations and our business model. • We are subject to a variety of risks in connection with any sale of loans we may conduct. • We may be subject to more stringent capital and liquidity requirements. • Rulemaking changes and regulatory initiatives implemented by the CFPB may result in higher regulatory and compliance costs that may adversely affect our results of operations. • We are subject to numerous laws designed to protect consumers, including the CRA and fair lending laws, and a failure to comply with these laws could lead to a wide variety of penalties and other sanctions. • We may not be able to complete future acquisitions, may not be successful in realizing the benefits of any future acquisitions that are completed or may choose not to pursue acquisition opportunities we might find beneficial. • Increases in FDIC insurance assessments may adversely affect our earnings. • Unfavorable results from ongoing stress analyses may adversely affect our ability to retain customers or compete for new business opportunities. • We are a holding company and depend on our subsidiaries for dividends, distributions and other payments. • We may not pay dividends on shares of our capital stock. • Anti-takeover and banking laws and certain agreements and charter provisions may adversely affect share value. • Our amended and restated by-laws designate (i) the Court of Chancery of the State of Delaware as the sole and exclusive forum for certain types of actions and proceedings that may be initiated by our shareholders and (ii) the federal district courts of the United States as the sole and exclusive forum for any action asserting a cause of action arising under the Securities Act, which could limit our shareholders’ ability to obtain a favorable judicial forum for disputes with our company or our company’s directors, officers or other employees. • We face substantial legal and operational risks in our safeguarding and other processing of personal information. • Differences in regulation can affect our ability to compete effectively. • Our businesses may be adversely affected if we are unable to hire and retain qualified employees. • Our operations rely on our ability, and the ability of key external parties, to maintain appropriately staffed workforces, and on the competence, trustworthiness, health and safety of employees. • Our reported financial results depend on management’s selection of accounting methods and certain assumptions and estimates. • If the models that we use in our business perform poorly or provide inadequate information, our business or results of operations may be adversely affected. • Changes in our accounting policies or in accounting standards could materially affect how we report our financial results and condition. The foregoing list of factors is not exhaustive. For discussion of these and other factors that may cause actual results to differ from expectations, look under the captions “Forward-Looking Statements” and “Risk Factors” in Regions’ Annual Report on Form 10-K for the year ended December 31, 2025 and in Regions’ subsequent filings with the SEC. You should not place undue reliance on any forward-looking statements, which speak only as of the date made. Factors or events that could cause our actual results to differ may emerge from time to time, and it is not possible to predict all of them. We assume no obligation and do not intend to update or revise any forward-looking statements that are made from time to time, either as a result of future developments, new information or otherwise, except as may be required by law. Regions’ Investor Relations contact is Tom Speir at (205) 264-7040; Regions’ Media contact is Jeremy King at (205) 264-4551. Forward-Looking Statements (continued)

Internal Use

Source: View Original Filing on SEC EDGAR

FAQ

What were Regions Financial (RF) key financial results for 1Q26?

Regions reported $539 million in net income available to common shareholders for 1Q26 and diluted EPS of $0.62. Total revenue was $1.873 billion, non‑interest expense $1.068 billion, and the efficiency ratio was 56.6%, reflecting disciplined cost control.

How did Regions Financial (RF) perform on net interest income and margin?

Net interest income was $1.261 billion in 1Q26 with a net interest margin of 3.67%. The company attributes performance to balance sheet repricing, hedging, and lower interest‑bearing deposit costs, which fell 13 bps quarter over quarter to support margin stability.

What is Regions Financial’s (RF) 2026 outlook for net interest income?

Regions expects 2026 net interest income to grow 2.5–4% versus 2025’s $4.991 billion. Management cites fixed‑rate asset turnover, funding cost management, and low single‑digit loan growth as key drivers, assuming a mostly stable yield curve and modestly lower short‑term rates.

How strong is Regions Financial’s (RF) capital and liquidity position?

At 1Q26, the common equity Tier 1 ratio was 10.7%, or 9.4% inclusive of AOCI. Total liquidity sources were $67.9 billion, including cash at the Federal Reserve, unencumbered securities, and borrowing capacity, giving coverage of about 178% of uninsured deposits.

What credit quality trends did Regions Financial (RF) report?

Net charge‑offs were 0.54% of average loans in 1Q26, down 5 bps from 4Q25, reflecting progress in previously identified portfolios. The allowance for credit losses was $1.647 billion, or 1.68% of loans, with coverage of non‑performing loans at 238%, indicating solid reserves.

What operating leverage and expense guidance did Regions Financial (RF) give for 2026?

Regions expects adjusted positive operating leverage in 2026. Adjusted non‑interest income is projected to rise 3–5%, while adjusted non‑interest expense should increase 1.5–3.5% versus 2025’s $4.331 billion, including continued investments in growth and technology.

Filing Exhibits & Attachments

5 documents

Press Releases

EX-99.1 EX-99.1 158.1 KB

Regions Financial (NYSE: RF) outlines 2026 growth, credit and capital outlook

Rhea-AI Filing Summary

Positive

Negative

8-K Event Classification

Key Figures

Key Terms

FAQ

What were Regions Financial (RF) key financial results for 1Q26?

How did Regions Financial (RF) perform on net interest income and margin?

What is Regions Financial’s (RF) 2026 outlook for net interest income?

How strong is Regions Financial’s (RF) capital and liquidity position?

What credit quality trends did Regions Financial (RF) report?

What operating leverage and expense guidance did Regions Financial (RF) give for 2026?

Filing Exhibits & Attachments

Press Releases

Other Documents