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Regions Financial (NYSE: RF) lifts Q2 2026 EPS and improves credit quality

Filing Impact
(High)
Filing Sentiment
(Neutral)
Form Type
8-K

Rhea-AI Filing Summary

Regions Financial Corporation reported second quarter 2026 net income available to common shareholders of $549 million, with diluted EPS of $0.64. Adjusted earnings were $583 million and adjusted diluted EPS $0.68, with diluted EPS up 8 percent and adjusted diluted EPS up 13 percent versus the second quarter of 2025. Total revenue was $1.91 billion, while adjusted total revenue of $1.95 billion rose 2 percent year over year.

Compared with the first quarter of 2026, net income grew 2 percent and diluted EPS 3 percent; adjusted net income rose 8 percent and adjusted diluted EPS 10 percent. Net interest income increased to $1.28 billion, supported by a net interest margin of 3.66% and low interest-bearing deposit costs of 1.69%. Average loans increased 2 percent to $98.7 billion, driven by broad-based commercial and industrial growth, while average deposits were stable at $130.7 billion.

Credit quality improved, with net charge-offs of $102 million, or 0.42% of average loans, down from 0.54 percent in the prior quarter. Non-performing loans fell to 0.67% of loans, and the allowance for credit losses covered 241% of non-performing loans at a 1.63% ACL-to-loans ratio. Capital remained strong, with an estimated Common Equity Tier 1 ratio of 10.7% and CET1 including AOCI of 9.5 percent. Regions repurchased approximately 2.1 million shares for $59 million, declared $226 million in common dividends, and the Board approved a quarterly dividend of $0.30 per share, 13 percent higher than the previous quarter. Available liquidity totaled about $69 billion, covering roughly 181 percent of uninsured deposits.

Positive

  • Credit quality and coverage strengthened, with net charge-offs at $102 million (0.42% of average loans), non-performing loans at 0.67% of loans, and the allowance for credit losses covering 241% of non-performing loans.

Negative

  • None.

Filing Explained

The July 17 Form 8-K reports that Regions Financial Corporation completed its July 1 acquisition of The Frazer Lanier Company, adding municipal-finance expertise and expanding corporate investment-banking capabilities.

Sources and calculations
Item 2.02 Results of Operations and Financial Condition Financial
Disclosure of earnings results, typically an earnings press release or preliminary financials.
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.
Net income available to common shareholders $549 million Quarter ended June 30, 2026
Diluted EPS $0.64 Quarter ended June 30, 2026; up 8 percent vs Q2 2025
Adjusted diluted EPS (non-GAAP) $0.68 Quarter ended June 30, 2026; increased 13 percent vs Q2 2025
Total revenue $1,907 million Quarter ended June 30, 2026; 1.8% higher than first quarter 2026
Net interest margin (FTE) 3.66% Quarter ended June 30, 2026; slightly below 3.67% in first quarter 2026
Average loans, net of unearned income $98,722 million Quarter ended June 30, 2026; 2.4% higher than first quarter 2026
Net charge-offs / average loans 0.42% Annualized ratio for quarter ended June 30, 2026
Common Equity Tier 1 ratio 10.7% Estimated regulatory capital ratio as of June 30, 2026
Common Equity Tier 1 ratio financial
"Common Equity Tier 1 ratio (2) | 10.7% | 10.7% | 10.8%"
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.
net charge-offs financial
"Net loans charged-off | $102 | $130 | $113 Net loans charged-off as a %"
Net charge-offs are the amount of loans or credit a lender removes from its books as uncollectible after subtracting any money later recovered from previously written-off accounts. Think of it like a store writing off unpaid tabs but getting back a few dollars later — the net figure shows the real loss. Investors watch this to judge a lender’s loan quality, future profits and how much capital may be needed to cover bad debts.
allowance for credit losses financial
"Allowance for credit losses (ACL) at period end | $1,613 | $1,647"
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.
net interest margin financial
"Net interest margin (FTE)* | 3.66 % | 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.
tangible common book value per share financial
"Tangible common book value per share (non-GAAP) (1) | $13.78"
The tangible common book value per share shows how much real, sellable net worth is attributed to each common share by taking a company’s total equity, subtracting intangible items (like goodwill) and preferred equity, and dividing the remainder by outstanding common shares. Investors use it as a conservative measure of a company’s per-share liquidation or balance-sheet strength — like checking how much cash you’d have per share after removing things you can’t easily sell.
Net income available to common shareholders $549 million up 2% from $539 million in first quarter 2026
Diluted EPS $0.64 increased 8 percent compared to second quarter 2025 and 3% versus first quarter 2026
Adjusted diluted EPS (non-GAAP) $0.68 increased 13 percent compared to second quarter 2025 and 10% versus first quarter 2026
Total revenue $1,907 million remained relatively stable year over year and rose 1.8% from first quarter 2026
Adjusted total revenue (non-GAAP) $1,947 million increased 2 percent versus second quarter 2025 and 4.0% versus first quarter 2026
Net interest margin (FTE) 3.66% decreased 1 basis point from 3.67% in first quarter 2026

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FAQ

How much did Regions Financial (RF) earn in the second quarter of 2026?
Regions Financial earned $570 million in net income and $549 million in net income available to common shareholders in Q2 2026, equating to diluted EPS of $0.64 and adjusted diluted EPS of $0.68.

How did Regions Financial’s (RF) Q2 2026 results compare to the prior year?
In Q2 2026, diluted EPS of $0.64 increased 8 percent versus Q2 2025, while adjusted diluted EPS of $0.68 increased 13 percent. Adjusted total revenue of $1.95 billion rose 2 percent year over year.

How strong were asset quality metrics for Regions Financial (RF) in Q2 2026?
Asset quality improved, with net charge-offs of $102 million or 0.42% of average loans, down from 0.54% in Q1 2026. Non-performing loans fell to 0.67% of loans, and allowance coverage of non-performing loans increased to 241%.

What capital and liquidity levels did Regions Financial (RF) report for Q2 2026?
Regions reported an estimated Common Equity Tier 1 ratio of 10.7% and Tier 1 capital ratio of 11.8%. Available liquidity was approximately $69 billion, sufficient to cover uninsured deposits at about 181% as of June 30, 2026.

Did Regions Financial (RF) return capital to shareholders in Q2 2026?
Yes. Regions repurchased about 2.1 million common shares for $59 million and declared $226 million in common dividends. The Board also approved a quarterly dividend of $0.30 per share, a 13% increase over the prior quarter.
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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): July 17, 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 classTrading Symbol(s)Name of each exchange on which registered
Common Stock, $.01 par valueRFNew 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 CRF PRCNew York Stock Exchange
Depositary Shares, each representing a 1/40th Interest in a Share of
4.45% Non-Cumulative Perpetual Preferred Stock, Series ERF PRENew York Stock Exchange
Depositary Shares, each representing a 1/40th Interest in a Share of
Non-Cumulative Perpetual Preferred Stock, Series FRF PRFNew 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 2.02    Results of Operations and Financial Condition.
    
On July 17, 2026, Regions Financial Corporation (“Regions”) issued a press release announcing its preliminary results of operations for the quarter ended June 30, 2026. A copy of the press release is attached hereto as Exhibit 99.1. Supplemental financial information for the quarter ended June 30, 2026 is attached as Exhibit 99.2. Each of Exhibits 99.1 and 99.2 are incorporated herein by reference and may also be found on Regions’ website at www.regions.com.
Item 7.01    Regulation FD Disclosure.
    
On July 17, 2026, executives from Regions will review its preliminary results of operations for the quarter ended June 30, 2026, via a live audio webcast. A copy of a visual presentation that will be a part of that review is attached as Exhibit 99.3. Exhibit 99.3 is incorporated herein by reference and may also be found on Regions’ website at www.regions.com. An archived recording of the webcast will be available for a limited time on the Investor Relations page of that website.
    
In accordance with general instruction B.2. of Form 8-K, the information included in or incorporated into Item 2.02 or Item 7.01 of this Current Report on Form 8-K is being furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934 (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  
Press Release dated July 17, 2026.
99.2  
Supplemental Financial Information for the Quarter Ended June 30, 2026.
99.3  
Visual Presentation of July 17, 2026.
104Cover 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: July 17, 2026







Exhibit 99.1
rflogo.jpg

Regions Reports Earnings of $549 Million and EPS of $0.64 in 2Q 2026

BIRMINGHAM, Ala. - (BUSINESS WIRE) - July 17, 2026 - Regions Financial Corp. (NYSE:RF) today reported second quarter 2026 earnings of $549 million and diluted EPS of $0.64. On an adjusted basis, earnings(1) were $583 million, with diluted EPS(1) of $0.68. Total revenue remained relatively stable while diluted EPS increased 8 percent compared to second quarter of 2025. Adjusted total revenue(1) increased 2 percent, and adjusted diluted EPS(1) increased 13 percent compared to second quarter of 2025.
Financial HighlightsSoundness
Quarter Ended
    
•Low-cost deposit base continued to deliver peer-leading interest-bearing deposit costs of 1.69% in 2Q26

•Robust capital with CET1 of 10.7% (9.5% inclusive of AOCI(1)) supported by strong organic capital generation

•Annualized net charge-offs decreased 12 bps QoQ to 42 bps; business services criticized loans and NPLs also decreased QoQ while ACL/NPLs increased to 241%


($ amounts in millions, except per share data)
2Q261Q26
Earnings Summary
Net income$570 $559 
Net income available to common shareholders549 539 
Adj. net income avail. to common shareholders(1)
583 539 
Diluted earnings per common share0.64 0.62 
Adj. diluted earnings per common share(1)
0.68 0.62 Profitability
Balance Sheet Summary
    
•Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 2Q26 NIM of 3.66%

•Regions continues to generate top-quartile returns vs its peer group; 2Q26 reported ROATCE of 19% and adjusted ROATCE(1) of 20%

•Expenses remained well-controlled; supporting self-funding of growth initiatives
Average loans, net of unearned income$98,722 $96,423 
Average deposits130,691 130,234 
Credit Quality
Allowance for credit losses ratio
1.63 %1.68 %
Net charge-offs / average loans*
0.42 0.54 
Selected Ratios
Return on average assets*
1.42 %1.42 %Growth
Return on average common equity*
12.73 12.35 

•Net income grew 2% and diluted EPS 3% QoQ; Adj. net income grew 8% and adj. diluted EPS 10%(1)

•2Q26 average loans increased 2% while ending loans increased 1% vs 1Q26; growth driven primarily by high-quality, broad-based C&I loans

•2Q26 reflects another record quarter of Wealth Management income (5th in the last 6 quarters)

•Expanding municipal finance expertise and long-term growth opportunities within capital markets through the 7/1/2026 acquisition of The Frazer Lanier Company
Return on avg. tangible common equity*(1)
19.01 18.26 
Adj. return on avg. tangible common equity*(1)
20.18 18.26 
Net interest margin (FTE)*
3.66 3.67 
Efficiency ratio58.3 56.6 
Adjusted efficiency ratio(1)
56.9 56.6 
Common equity Tier 1 ratio(2)
10.7 10.7 
Common equity Tier 1 ratio (incl. AOCI)(1)(2)
9.5 9.4 
Effective Tax Rate
20.7 21.6 
*Annualized
(1) Non-GAAP; refer to reconciliations in the financial supplement to this earnings release included as Exhibit 99.2 to the company's Current Report on Form 8-K that was furnished to the Securities and Exchange Commission ("SEC") on Jul. 17, 2026. (2) Current quarter is estimated.
John Turner, Chairman, President and CEO of Regions Financial Corp.
"Strategic execution and solid delivery define our results for the second quarter. And, together, they're giving Regions clear momentum going into the second half of the year. As our markets grow, Regions Bank is focused on leveraging every opportunity to illustrate the Regions difference to more consumers, businesses, Wealth Management clients, and homeowners. We have a solid value proposition. We know the needs and opportunities in our markets based on the depth of our local experience. And we have not only the historical commitment, but also the forward-leaning investments in technology and innovation that we believe position us to compete and grow effectively. The foundation for our growth - including focusing on what we can control, operating to the highest standards, and keeping the customer first - hasn't changed. As we expand our capabilities and grow our talented group of bankers, that foundation is stronger than ever before and will serve us well in the years to come."
1






Total revenue
Quarter Ended
($ amounts in millions)6/30/20263/31/20266/30/20252Q26 vs. 1Q262Q26 vs. 2Q25
Net interest income$1,277 $1,248 $1,259 $29 2.3 %$18 1.4 %
Taxable equivalent adjustment14 13 12 1 7.7 %2 16.7 %
Net interest income, taxable equivalent basis$1,291 $1,261 $1,271 $30 2.4 %$20 1.6 %
Net interest margin (FTE)*
3.66 %3.67 %3.65 %
Non-interest income:
Service charges on deposit accounts$167 $163 $151 $4 2.5 %$16 10.6 %
Card and ATM fees126 117 125 9 7.7 %1 0.8 %
Wealth management income150 141 133 9 6.4 %17 12.8 %
Capital markets income84 84 83 — — %1 1.2 %
Mortgage income33 32 48 1 3.1 %(15)(31.3)%
Commercial credit fee income28 30 29 (2)(6.7)%(1)(3.4)%
BOLI income24 30 24 (6)(20.0)%— — %
Market value adjustments on employee benefit assets**
24 (5)16 29 NM8 50.0 %
Securities gains (losses), net(41)(3)(1)(38)NM(40)NM
Other miscellaneous income35 36 38 (1)(2.8)%(3)(7.9)%
Non-interest income$630 $625 $646 $5 0.8 %$(16)(2.5)%
Adjusted non-interest income (non-GAAP)(1)
$670 $625 $646 $45 7.2 %$24 3.7 %
Total revenue$1,907 $1,873 $1,905 $34 1.8 %$2 0.1 %
Adjusted total revenue (non-GAAP)(1)
$1,947 $1,873 $1,905 $74 4.0 %$42 2.2 %
NM - Not Meaningful
* Annualized
** These market value adjustments relate to assets held for employee and director benefits that are effectively offset within salaries and employee benefits and other non-interest expense.

Total revenue increased 2 percent on a reported basis and 4 percent on an adjusted basis(1) compared to the first quarter of 2026. Net interest income increased 2 percent driven primarily by average loan growth, fixed-rate asset turnover, one additional day in the quarter and continued prudent management of deposit costs. Net interest margin decreased 1 basis point to 3.66 percent. While loan growth and one additional day benefit net interest income, they reduce the net interest margin.

Non-interest income increased 1 percent on a reported basis and 7 percent on an adjusted basis(1) during the second quarter, with the variance attributable to a $40 million securities repositioning loss. Wealth management income increased 6 percent in the second quarter to a new record level attributable primarily to higher production and favorable market conditions. Card and ATM fees increased 8 percent due primarily to seasonally higher transaction volumes. Service charges and mortgage income increased 2 percent and 3 percent, respectively. Market value adjustments for employee benefit assets increased $29 million during the quarter but are effectively offset in non-interest expense.
2

Non-interest expense
Quarter Ended
($ amounts in millions)6/30/20263/31/20266/30/20252Q26 vs. 1Q262Q26 vs. 2Q25
Salaries and employee benefits$697 $659 $658 $38 5.8 %$39 5.9 %
Equipment and software expense107 108 104 (1)(0.9)%3 2.9 %
Net occupancy expense73 72 72 1 1.4 %1 1.4 %
Outside services47 42 39 5 11.9 %8 20.5 %
Marketing28 29 26 (1)(3.4)%2 7.7 %
Professional, legal and regulatory expenses28 28 28 — — %— — %
Credit/checkcard expenses16 14 16 2 14.3 %— — %
FDIC insurance assessments17 19 20 (2)(10.5)%(3)(15.0)%
Visa class B shares expense2 1 4 1 100.0 %(2)(50.0)%
Operational losses
8 10 13 (2)(20.0)%(5)(38.5)%
Branch consolidation, property and equipment charges5 — — 5 NM5 NM
Other miscellaneous expenses
93 86 93 7 8.1 %— — %
Non-interest expense
$1,121 $1,068 $1,073 $53 5.0 %$48 4.5 %
Adjusted non-interest expense (non-GAAP)(1)
$1,116 $1,068 $1,073 $48 4.5 %$43 4.0 %

Salaries and Employee Benefits Expense
Quarter Ended
($ amounts in millions)6/30/20263/31/20266/30/20252Q26 vs. 1Q262Q26 vs. 2Q25
Salaries and employee benefits$697 $659 $658 $38 5.8 %$39 5.9 %
Less: Market value adjustments on supplemental 401(k) liabilities*
24 (4)16 28 NM8 50.0 %
Salaries and employee benefits less market value adjustments on employee benefit liabilities
$673 $663 $642 $10 1.5 %$31 4.8 %
NM - Not Meaningful
* The company holds assets in order to effectively offset the market value adjustments on supplemental 401(k) liabilities and the market value adjustments on those assets are recorded in non-interest income.

Non-interest expenses increased 5 percent on a reported and 4 percent on an adjusted basis(1) compared to the first quarter of 2026. Salaries and benefits increased 6 percent as elevated market value adjustments for supplemental employee benefit liabilities, higher revenue-based incentives, two additional months' impact of associate merit increases, and one additional day were partially offset by seasonal decreases in payroll taxes and 401(k) contributions. Outside services increased 12 percent primarily attributable to the timing and volume of services performed. FDIC insurance assessments decreased 11 percent attributable to the unsecured debt adjustment tied to the company's debt issuance during the quarter. The company's second quarter efficiency ratio was 58.3 percent on a reported basis and 56.9 percent on an adjusted basis(1).


3

Loans
Average Balances
($ amounts in millions, net of unearned income)2Q261Q262Q252Q26 vs. 1Q262Q26 vs. 2Q25
Commercial and industrial$51,504 $49,572 $49,033 $1,932 3.9 %$2,471 5.0%
Commercial real estate—owner-occupied5,342 5,146 5,170 196 3.8 %172 3.3%
Investor real estate9,789 9,327 9,009 462 5.0 %780 8.7%
Business Lending66,635 64,045 63,212 2,590 4.0 %3,423 5.4%
Residential first mortgage19,551 19,674 19,992 (123)(0.6)%(441)(2.2)%
Home equity5,496 5,514 5,525 (18)(0.3)%(29)(0.5)%
Consumer credit card1,474 1,473 1,397 1 0.1 %77 5.5%
Other consumer*5,566 5,717 5,951 (151)(2.6)%(385)(6.5)%
Consumer Lending32,087 32,378 32,865 (291)(0.9)%(778)(2.4)%
Total Loans$98,722 $96,423 $96,077 $2,299 2.4 %$2,645 2.8%

Ending Balances
6/30/20266/30/2026
($ amounts in millions, net of unearned income)
6/30/20263/31/20266/30/2025 vs. 3/31/2026 vs. 6/30/2025
Commercial and industrial$51,841 $50,824 $49,586 $1,017 2.0 %$2,255 4.5%
Commercial real estate—owner-occupied5,394 5,265 5,165 129 2.5 %229 4.4%
Investor real estate9,969 9,644 9,098 325 3.4 %871 9.6%
Business Lending67,204 65,733 63,849 1,471 2.2 %3,355 5.3%
Residential first mortgage19,498 19,621 20,020 (123)(0.6)%(522)(2.6)%
Home equity5,504 5,497 5,536 7 0.1 %(32)(0.6)%
Consumer credit card1,498 1,472 1,415 26 1.8 %83 5.9%
Other consumer*5,496 5,603 5,903 (107)(1.9)%(407)(6.9)%
Consumer Lending31,996 32,193 32,874 (197)(0.6)%(878)(2.7)%
Total Loans$99,200 $97,926 $96,723 $1,274 1.3 %$2,477 2.6%
NM - Not meaningful.
*    Other consumer loans includes Regions' Home Improvement Financing portfolio.

Average loans increased 2 percent while ending loans increased 1 percent compared to the prior quarter. Average business loans increased 4 percent during the quarter while average consumer loans decreased 1 percent. Growth was driven by broad-based C&I lending categories including power and utilities, manufacturing, government and public sector and retail trade. Investor real estate delivered solid growth during the quarter, driven by strong production and increased bridge-financing activity within the multifamily sector, as elevated long-term interest rates have slowed permanent financing. Loan growth remained high quality, with investment grade credits representing more than half of new balances.
4

Deposits
Average Balances
($ amounts in millions)2Q261Q262Q252Q26 vs. 1Q262Q26 vs. 2Q25
Total interest-bearing deposits$90,953 $91,074 $89,888 $(121)(0.1)%$1,065 1.2%
Non-interest-bearing deposits39,738 39,160 39,556 578 1.5%182 0.5%
Total Deposits$130,691 $130,234 $129,444 $457 0.4%$1,247 1.0%
($ amounts in millions)2Q261Q262Q252Q26 vs. 1Q262Q26 vs. 2Q25
Consumer Bank Segment$80,624 $79,599 $79,912 $1,025 1.3%$712 0.9%
Corporate Bank Segment40,106 40,707 39,234 (601)(1.5)%872 2.2%
Wealth Management Segment7,594 7,777 7,324 (183)(2.4)%270 3.7%
Other*
2,367 2,151 2,974 216 10.0%(607)(20.4)%
Total Deposits$130,691 $130,234 $129,444 $457 0.4%$1,247 1.0%

End of Period Deposits
6/30/20266/30/2026
($ amounts in millions)6/30/20263/31/20266/30/2025 vs. 3/31/2026 vs. 6/30/2025
Consumer Bank Segment$80,972 $81,271 $79,953 $(299)(0.4)%$1,019 1.3%
Corporate Bank Segment39,952 40,574 40,101 (622)(1.5)%(149)(0.4)%
Wealth Management Segment7,466 7,750 7,352 (284)(3.7)%114 1.6%
Other*
2,320 2,285 3,513 35 1.5%(1,193)(34.0)%
Total Deposits$130,710 $131,880 $130,919 $(1,170)(0.9)%$(209)(0.2)%
NM - Not meaningful.
*Other deposits represent non-customer balances primarily consisting of wholesale funding (for example, selected deposits and brokered time deposits) and additional wholesale funding arrangements.

The company's deposit base continues to be a source of strength and an industry differentiator in liquidity and margin performance. Average deposits grew modestly while ending deposits decreased 1 percent during the quarter. Average consumer deposits increased 1 percent, while average corporate and wealth deposits declined 1 percent and 2 percent, respectively.
5

Asset quality
As of and for the Quarter Ended
($ amounts in millions)6/30/20263/31/20266/30/2025
Allowance for credit losses (ACL) at period end$1,613$1,647$1,743
ACL/Loans, net1.63%1.68%1.80%
Business criticized loans to total business loans5.01%5.15%7.22%
Allowance for credit losses to non-performing loans, excluding loans held for sale241%238%225%
Provision for credit losses$68$91$126
Net loans charged-off$102$130$113
Net loans charged-off as a % of average loans, annualized0.42%0.54%0.47%
Non-performing loans, excluding loans held for sale/Loans, net0.67%0.71%0.80%
NPAs (ex. 90+ past due)/Loans, foreclosed properties, and non-performing loans held for sale0.69%0.73%0.84%
NPAs (inc. 90+ past due)/Loans, foreclosed properties, and non-performing loans held for sale*0.85%0.90%1.01%
Total Criticized Loans—Business Services**
$3,370$3,384$4,608
* Excludes fully guaranteed residential first mortgages that are 90+ days past due and still accruing.
** Business services represents the combined total of commercial and investor real estate loans.

Asset quality trends continued to improve during the quarter, with credit performance reflecting increasing stability across the portfolio. Feedback from commercial customers and ongoing engagement by relationship managers indicates business sentiment remains constructive, while consumer credit fundamentals remain healthy. Consumer spending patterns across Regions' customer base were generally consistent with recent trends, and employment conditions remain supportive. While these trends remain favorable, the company continues to closely monitor economic uncertainty and portfolios with heightened risk or interest rate sensitivity.

Net charge-offs were $102 million or an annualized 42 basis points of average loans, representing a 12 basis point decrease compared to the first quarter of 2026. Business services criticized and total non-performing loans both declined during the quarter. The ratio of non-performing loans as a percentage of total loans declined 4 basis points to 0.67 percent, and the ratio of business services criticized loans as a percentage of total business loans declined 14 basis points to 5.01 percent.

High-quality loan growth modestly increased the allowance, but that increase was offset by progress in resolving loans within previously identified portfolios of interest and continued improvement in underlying credit metrics. As a result, the allowance for credit losses declined $34 million driving a 5 basis point reduction in the allowance ratio to 1.63 percent, while coverage of non-performing loans increased to 241 percent.
    
6

Capital and liquidity
As of and for Quarter Ended
6/30/20263/31/20266/30/2025
Common Equity Tier 1 ratio(2)
10.7%10.7%10.8%
Common equity Tier 1 ratio (incl. AOCI) (non-GAAP)(1)(2)
9.5%9.4%9.3%
Tier 1 capital ratio(2)
11.8%11.8%11.9%
Total shareholders' equity to total assets11.68%11.68%11.72%
Tangible common shareholders’ equity to tangible assets (non-GAAP)(1)
7.55%7.54%7.52%
Common book value per share$20.48$20.39$19.35
Tangible common book value per share (non-GAAP)(1)
$13.78$13.69$12.91
Loans, net of unearned income, to total deposits75.9%74.3%73.9%

Regions maintained a strong capital position in the second quarter with estimated capital ratios remaining well above current regulatory requirements. At quarter-end, the Common Equity Tier 1 (CET1)(2) and Tier 1 capital(2) ratios were estimated at 10.7 percent and 11.8 percent respectively. Including the impacts of accumulated other comprehensive income, CET1(1)(2) was estimated at 9.5 percent.

During the second quarter, the company repurchased approximately 2.1 million shares of common stock for a total of $59 million through open-market purchases and declared $226 million in dividends to common shareholders. Earlier this week, the Board of Directors declared a quarterly common stock dividend of $0.30 per share, representing a 13 percent increase over the previous quarter and a continuation of Regions' history of strong dividend growth. Over the past 10 years, Regions has increased its common stock dividend 16 percent on a compound annual growth rate basis, ranking within the top quartile among the company's peer group.

Tangible common book value per share(1) ended the quarter at $13.78, a 7 percent increase year-over-year.

The company's liquidity position also remained robust with total available liquidity as of June 30, 2026, of approximately $69 billion, which includes cash held at the Federal Reserve, FHLB borrowing capacity, unencumbered securities, and capacity at the Federal Reserve's facilities such as the Discount Window or Standing Repo Operations. These sources are sufficient to cover uninsured deposits at a ratio of approximately 181 percent as of quarter-end (excluding intercompany and secured deposits).

(1) Non-GAAP; refer to reconciliations on pages 13 17, 18, 19 and 20 of the financial supplement to this earnings release included as Exhibit 99.2 to the company's Current Report on Form 8-K that was furnished to the SEC on Jul. 17, 2026.
(2) Current quarter Common Equity Tier 1 and Tier 1 capital ratios are estimated.


7

Conference Call
The company will hold a live audio webcast to discuss second quarter 2026 results on July 17, 2026 at 10 a.m. ET. To access this live audio webcast, visit the Investor Relations page at ir.regions.com. An archived recording of the webcast will be available at the Investor Relations page at ir.regions.com following the live event.

About Regions Financial Corporation
Regions Financial Corporation (NYSE:RF), with $161 billion in assets, is a member of the S&P 500 Index and is one of the nation’s largest full-service providers of consumer and commercial banking, wealth management, and mortgage products and services. Regions serves customers across the South, Midwest and Texas, and through its subsidiary, Regions Bank, operates more than 1,200 banking offices and more than 1,750 ATMs. Regions Bank is an Equal Housing Lender and Member FDIC. Additional information about Regions and its full line of products and services can be found at www.regions.com.

Forward-Looking Statements
This release and the accompanying earnings call 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.
•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.
8

•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 “Cautionary Note Regarding Forward-Looking Statements and Risk Factor Summary” 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.
Use of Non-GAAP Financial Measures
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). Adjusted common equity Tier 1 ratio (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.
9


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
See the company's Financial Supplement, included as Exhibit 99.2 to the company's Current Report on Form 8-K furnished to the Securities and Exchange Commission on July 17, 2026, for reconciliations of and additional information regarding the company's non-GAAP financial measures.

10



Exhibit 99.2

regionslogob22.jpg
Regions Financial Corporation and Subsidiaries
Financial Supplement (unaudited)
Second Quarter 2026





Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release

Table of Contents
 
   Page
Financial Highlights  
1
Selected Ratios and Other Information*  
2
Consolidated Balance Sheets  
3
  
Loans   
4
Deposits  
6
Consolidated Statements of Income  
8
Consolidated Average Daily Balances and Yield / Rate Analysis  
10
Pre-Tax Pre-Provision Income ("PPI")* and Adjusted PPI*  
13
Non-Interest Income, Service Charges on Deposit Accounts by Segment, Wealth Management Income, Capital Markets Income, and Mortgage Income  
14
Non-Interest Expense and Salaries and Benefits Expense  
16
Reconciliation of GAAP Financial Measures to non-GAAP Financial Measures*  
Adjusted Efficiency Ratios, Adjusted Fee Income Ratios, Adjusted Non-Interest Income / Expense, Adjusted Operating Leverage Ratios, Adjusted Total Revenue, Adjusted Net Income Available to Common Shareholders, Adjusted Diluted EPS, Return Ratios, Tangible Common Ratios, and Common Equity Tier 1 (CET1) Ratios
17
Asset Quality  
Allowance for Credit Losses, Net Charge-Offs and Related Ratios  
21
Non-Performing Loans (excludes loans held for sale), Early and Late Stage Delinquencies  
23
Forward-Looking Statements
24

*Use of non-GAAP financial measures
Regions believes that the presentation of non-GAAP financial measures provides a meaningful basis for period-to-period comparisons, which management believes will assist investors in assessing the performance of the Company on the same basis as that applied by management. Non-GAAP financial measures have inherent limitations, are not required to be uniformly applied and are not audited. Although 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 certain adjustments does not represent the amount that effectively accrues directly to shareholders. 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 on non-GAAP financial measures presented herein.

Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
Financial Highlights
Quarter Ended
($ amounts in millions, except per share data)6/30/20263/31/202612/31/20259/30/20256/30/2025
Earnings Summary
Interest income - taxable equivalent$1,762 $1,715 $1,781 $1,808 $1,796 
Interest expense - taxable equivalent471 454 487 539 525 
Net interest income - taxable equivalent1,291 1,261 1,294 1,269 1,271 
Less: Taxable-equivalent adjustment14 13 13 12 12 
Net interest income 1,277 1,248 1,281 1,257 1,259 
Provision for credit losses68 91 115 105 126 
Net interest income after provision for credit losses1,209 1,157 1,166 1,152 1,133 
Non-interest income630 625 640 659 646 
Non-interest expense1,121 1,068 1,098 1,103 1,073 
Income before income taxes718 714 708 708 706 
Income tax expense148 155 174 139 143 
Net income$570 $559 $534 $569 $563 
Net income available to common shareholders$549 $539 $514 $548 $534 
Adjusted net income available to common shareholders (non-GAAP) (1)
$583 $539 $504 $561 $538 
Weighted-average shares outstanding—during quarter:
Basic854 863 875 890 898 
Diluted857 868 880 894 900 
Basic earnings per common share $0.64 $0.63 $0.59 $0.62 $0.59 
Diluted earnings per common share $0.64 $0.62 $0.58 $0.61 $0.59 
Adjusted diluted earnings per common share (non-GAAP) (1)
$0.68 $0.62 $0.57 $0.63 $0.60 
Balance Sheet Summary
At quarter-end
Loans, net of unearned income$99,200 $97,926 $95,637 $96,125 $96,723 
Allowance for credit losses(1,613 )(1,647 )(1,686 )(1,713 )(1,743 )
Assets161,299 160,741 158,814 159,940 159,206 
Deposits130,710 131,880 131,128 130,334 130,919 
Long-term borrowings4,628 3,137 4,134 4,785 5,279 
Shareholders' equity18,840 18,779 19,043 19,049 18,666 
Average balances
Loans, net of unearned income$98,722 $96,423 $95,651 $96,647 $96,077 
Assets161,237 159,287 158,107 159,089 157,974 
Deposits130,691 130,234 129,850 129,575 129,444 
Long-term borrowings3,617 3,750 4,524 5,527 5,660 
Shareholders' equity18,676 19,077 18,986 18,688 18,350 
_____
(1) See reconciliation of these non-GAAP measures to the most directly comparable GAAP measures on page 19.



1
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
Selected Ratios and Other Information
As of and for Quarter Ended
 6/30/20263/31/202612/31/20259/30/20256/30/2025
Return on average assets* (1)
1.42 %1.42 %1.34 %1.42 %1.43 %
Return on average common shareholders' equity*12.73 %12.35 %11.58 %12.56 %12.72 %
Return on average tangible common shareholders’ equity (non-GAAP)* (2)
19.01 %18.26 %17.17 %18.81 %19.34 %
Adjusted return on average tangible common shareholders' equity (non-GAAP) *(2)
20.18 %18.26 %16.84 %19.24 %19.48 %
Efficiency ratio58.3 %56.6 %56.8 %57.2 %56.0 %
Adjusted efficiency ratio (non-GAAP) (2)
56.9 %56.6 %57.5 %56.9 %56.0 %
Dividend payout ratio (3)
41.2 %42.3 %44.8 %43.0 %42.0 %
Common book value per share$20.48 $20.39 $20.36 $19.98 $19.35 
Tangible common book value per share (non-GAAP) (2)
$13.78 $13.69 $13.75 $13.49 $12.91 
Total shareholders' equity to total assets11.68 %11.68 %11.99 %11.91 %11.72 %
Tangible common shareholders’ equity to tangible assets (non-GAAP) (2)
7.55 %7.54 %7.80 %7.74 %7.52 %
Common equity Tier 1 (4)
$13,692$13,419 $13,490 $13,620 $13,533 
Total risk-weighted assets (4)
$127,786$125,682 $123,882 $125,386 $125,755 
Common equity Tier 1 ratio (4)
10.7 %10.7 %10.9 %10.9 %10.8 %
Common equity Tier 1 ratio (inclusive of AOCI) (non-GAAP) (2)(4)
9.5 %9.4 %9.7 %9.6 %9.3 %
Tier 1 capital ratio (4)
11.8 %11.8 %12.0 %12.0 %11.9 %
Total risk-based capital ratio (4)
13.7 %13.6 %13.9 %13.8 %13.7 %
Leverage ratio (4)
9.7 %9.6 %9.7 %9.7 %9.7 %
Effective tax rate 20.7 %21.6 %24.5 %19.7 %20.3 %
Allowance for credit losses as a percentage of loans, net of unearned income1.63 %1.68 %1.76 %1.78 %1.80 %
Allowance for credit losses to non-performing loans, excluding loans held for sale 241 %238 %242 %226 %225 %
Net interest margin (FTE)* 3.66 %3.67 %3.70 %3.59 %3.65 %
Loans, net of unearned income, to total deposits75.9 %74.3 %72.9 %73.8 %73.9 %
Net charge-offs as a percentage of average loans*0.42 %0.54 %0.59 %0.55 %0.47 %
Business criticized loans to total business loans5.01 %5.15 %5.31 %5.81 %7.22 %
Non-performing loans, excluding loans held for sale, as a percentage of loans0.67 %0.71 %0.73 %0.79 %0.80 %
Non-performing assets (excluding loans 90 days past due) as a percentage of loans, foreclosed properties, and non-performing loans held for sale0.69 %0.73 %0.75 %0.82 %0.84 %
Non-performing assets (including loans 90 days past due) as a percentage of loans, foreclosed properties, and non-performing loans held for sale (5)
0.85 %0.90 %0.94 %0.98 %1.01 %
Associate headcount—full-time equivalent 20,003 19,910 19,969 19,675 19,642 
ATMs 1,777 1,779 1,786 1,874 1,996 
Branch Statistics
Full service1,221 1,221 1,222 1,223 1,224 
Drive-through/transaction service only25 25 25 25 26 
Total branch outlets1,246 1,246 1,247 1,248 1,250 
*Annualized
(1)Calculated by dividing net income by average assets.
(2)See reconciliation of these non-GAAP measures to the most directly comparable GAAP measures on pages 13, 17, 19, and 20.
(3)Dividend payout ratio reflects dividends declared within the applicable period.
(4)Current quarter Common equity Tier 1, Total risk-weighted assets, Tier 1 capital, Total risk-based capital and Leverage ratios are estimated.
(5)Excludes guaranteed residential first mortgages that are 90+ days past due and still accruing. Refer to the footnotes on page 23 for amounts related to these loans.

2
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
Consolidated Balance Sheets
As of
($ amounts in millions)6/30/20263/31/202612/31/20259/30/20256/30/2025
Assets:
Cash and due from banks$3,177 $3,445 $3,112 $3,073 $3,245 
Interest-bearing deposits in other banks6,749 7,698 7,795 9,026 7,930 
Debt securities held to maturity5,271 5,434 5,606 5,769 5,972 
Debt securities available for sale27,388 27,419 27,560 26,886 26,333 
Loans held for sale591 464 511 573 594 
Loans, net of unearned income 99,200 97,926 95,637 96,125 96,723 
Allowance for loan losses
(1,489)(1,527)(1,556)(1,581)(1,612)
Net loans97,711 96,399 94,081 94,544 95,111 
Other earning assets1,574 1,635 1,703 1,513 1,682 
Premises and equipment, net1,704 1,666 1,659 1,742 1,755 
Interest receivable495 569 571 574 574 
Goodwill5,733 5,733 5,733 5,733 5,733 
Residential mortgage servicing rights at fair value (MSRs)958 954 970 976 988 
Other identifiable intangible assets, net126 133 140 146 153 
Other assets9,822 9,192 9,373 9,385 9,136 
Total assets$161,299 $160,741 $158,814 $159,940 $159,206 
Liabilities and Equity:
Deposits:
Non-interest-bearing$40,538 $40,062 $39,530 $39,768 $40,209 
Interest-bearing90,172 91,818 91,598 90,566 90,710 
Total deposits130,710 131,880 131,128 130,334 130,919 
Borrowed funds:
Federal funds purchased and securities sold under agreements to repurchase200 1,200 — — — 
Other short-term borrowings2,800 2,000 750 1,300 — 
Short-term borrowings3,000 3,200 750 1,300 — 
Long-term borrowings4,628 3,137 4,134 4,785 5,279 
Other liabilities4,050 3,680 3,699 4,426 4,302 
Total liabilities142,388 141,897 139,711 140,845 140,500 
Equity:
Preferred stock, non-cumulative perpetual1,369 1,369 1,369 1,369 1,369 
Common stock9 9 9 9 9 
Additional paid-in capital9,915 9,973 10,366 10,780 11,017 
Retained earnings10,840 10,517 10,205 9,922 9,609 
Treasury stock, at cost(1,371)(1,371)(1,371)(1,371)(1,371)
Accumulated other comprehensive income (loss), net(1,922)(1,718)(1,535)(1,660)(1,967)
Total shareholders’ equity18,840 18,779 19,043 19,049 18,666 
Noncontrolling interest
71 65 60 46 40 
Total equity
18,911 18,844 19,103 19,095 18,706 
Total liabilities and equity$161,299 $160,741 $158,814 $159,940 $159,206 







3
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
End of Period Loans
As of
    6/30/20266/30/2026
($ amounts in millions, net of unearned income)6/30/20263/31/202612/31/20259/30/20256/30/2025 vs. 3/31/2026 vs. 6/30/2025
Commercial and industrial$51,841 $50,824 $48,790 $49,234 $49,586 $1,017 2.0 %$2,255 4.5 %
Commercial real estate mortgage—owner-occupied5,127 5,004 4,845 4,835 4,890 123 2.5 %237 4.8 %
Commercial real estate construction—owner-occupied267 261 263 285 275 6 2.3 %(8)(2.9)%
Total commercial57,235 56,089 53,898 54,354 54,751 1,146 2.0 %2,484 4.5 %
Commercial investor real estate mortgage 7,896 7,706 7,172 7,122 6,949 190 2.5 %947 13.6 %
Commercial investor real estate construction2,073 1,938 1,934 1,948 2,149 135 7.0 %(76)(3.5)%
Total investor real estate9,969 9,644 9,106 9,070 9,098 325 3.4 %871 9.6 %
Total business67,204 65,733 63,004 63,424 63,849 1,471 2.2 %3,355 5.3 %
Residential first mortgage19,498 19,621 19,765 19,881 20,020 (123)(0.6)%(522)(2.6)%
Home equity—lines of credit (1)
3,241 3,210 3,232 3,209 3,184 31 1.0 %57 1.8 %
Home equity—closed-end (2)
2,263 2,287 2,324 2,340 2,352 (24)(1.0)%(89)(3.8)%
Consumer credit card1,498 1,472 1,519 1,437 1,415 26 1.8 %83 5.9 %
Other consumer (3)
5,496 5,603 5,793 5,834 5,903 (107)(1.9)%(407)(6.9)%
Total consumer31,996 32,193 32,633 32,701 32,874 (197)(0.6)%(878)(2.7)%
Total Loans$99,200 $97,926 $95,637 $96,125 $96,723 $1,274 1.3 %$2,477 2.6 %
______
(1)     The balance of Regions' home equity lines of credit consists of $1,396 million of first lien and $1,845 million of second lien at 6/30/2026.
(2)    The balance of Regions' closed-end home equity loans consists of $1,670 million of first lien and $593 million of second lien at 6/30/2026.
(3)    Other consumer loans also include Regions' Home Improvement Financing portfolio balances of $4.7 billion at 6/30/2026, $4.8 billion at 3/31/2026, $4.9 billion at 12/31/2025, $5.0 billion at 9/30/2025 and $5.0 billion at 6/30/2025.

As of
End of Period Loans by Percentage(1)
6/30/20263/31/202612/31/20259/30/20256/30/2025
Commercial and industrial52.3 %51.9 %51.0 %51.2 %51.3 %
Commercial real estate mortgage—owner-occupied5.2 %5.1 %5.1 %5.0 %5.1 %
Commercial real estate construction—owner-occupied0.3 %0.3 %0.3 %0.3 %0.3 %
Total commercial57.7 %57.3 %56.4 %56.5 %56.6 %
Commercial investor real estate mortgage8.0 %7.8 %7.5 %7.4 %7.2 %
Commercial investor real estate construction2.1 %2.0 %2.0 %2.0 %2.2 %
Total investor real estate10.0 %9.8 %9.5 %9.4 %9.4 %
Total business67.7 %67.1 %65.9 %66.0 %66.0 %
Residential first mortgage19.7 %20.1 %20.7 %20.7 %20.7 %
Home equity—lines of credit 3.3 %3.3 %3.4 %3.3 %3.3 %
Home equity—closed-end 2.3 %2.3 %2.4 %2.4 %2.4 %
Consumer credit card1.5 %1.5 %1.6 %1.5 %1.5 %
Other consumer5.5 %5.7 %6.1 %6.1 %6.1 %
Total consumer32.3 %32.9 %34.1 %34.0 %34.0 %
Total Loans100.0 %100.0 %100.0 %100.0 %100.0 %
(1)Amounts have been calculated using whole dollar values, and therefore such amounts may not add to total amounts.

4
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
Average Balances of Loans
 Average Balances
($ amounts in millions, net of unearned income)2Q261Q264Q253Q252Q252Q26 vs. 1Q262Q26 vs. 2Q25
Commercial and industrial$51,504 $49,572 $48,769 $49,588 $49,033 $1,932 3.9 %$2,471 5.0 %
Commercial real estate mortgage—owner-occupied5,089 4,887 4,866 4,860 4,900 202 4.1 %189 3.9 %
Commercial real estate construction—owner-occupied253 259 260 274 270 (6)(2.3)%(17)(6.3)%
Total commercial56,846 54,718 53,895 54,722 54,203 2,128 3.9 %2,643 4.9 %
Commercial investor real estate mortgage7,798 7,381 7,210 7,087 6,805 417 5.6 %993 14.6 %
Commercial investor real estate construction1,991 1,946 1,906 2,051 2,204 45 2.3 %(213)(9.7)%
Total investor real estate9,789 9,327 9,116 9,138 9,009 462 5.0 %780 8.7 %
Total business 66,635 64,045 63,011 63,860 63,212 2,590 4.0 %3,423 5.4 %
Residential first mortgage19,551 19,674 19,822 19,944 19,992 (123)(0.6)%(441)(2.2)%
Home equity—lines of credit3,226 3,216 3,219 3,197 3,168 10 0.3 %58 1.8 %
Home equity—closed-end2,270 2,298 2,327 2,341 2,357 (28)(1.2)%(87)(3.7)%
Consumer credit card1,474 1,473 1,458 1,420 1,397 1 0.1 %77 5.5 %
Other consumer (1)
5,566 5,717 5,814 5,885 5,951 (151)(2.6)%(385)(6.5)%
Total consumer32,087 32,378 32,640 32,787 32,865 (291)(0.9)%(778)(2.4)%
Total Loans$98,722 $96,423 $95,651 $96,647 $96,077 $2,299 2.4 %$2,645 2.8 %

Average Balances
Six Months Ended June 30
($ amounts in millions, net of unearned income)202620252026 vs. 2025
Commercial and industrial$50,544 $49,120 $1,424 2.9 %
Commercial real estate mortgage—owner-occupied4,988 4,882 106 2.2 %
Commercial real estate construction—owner-occupied256 293 (37)(12.6)%
Total commercial55,788 54,295 1,493 2.7 %
Commercial investor real estate mortgage7,590 6,646 944 14.2 %
Commercial investor real estate construction1,969 2,235 (266)(11.9)%
Total investor real estate9,559 8,881 678 7.6 %
Total business 65,347 63,176 2,171 3.4 %
Residential first mortgage19,613 20,015 (402)(2.0)%
Home equity—lines of credit3,221 3,152 69 2.2 %
Home equity—closed-end2,284 2,365 (81)(3.4)%
Consumer credit card1,473 1,396 77 5.5 %
Other consumer (1)
5,641 5,995 (354)(5.9)%
Total consumer32,232 32,923 (691)(2.1)%
Total Loans$97,579 $96,099 $1,480 1.5 %
_____
(1)    Other consumer loans also include Regions' Home Improvement Financing portfolio balances of $4.7 billion at 6/30/2026, $4.8 billion at 3/31/2026, $4.9 billion at 12/31/2025, $5.0 billion at 9/30/2025 and $5.1 billion at 6/30/2025 (on a quarter-to-date basis); and balances of $4.8 billion at 6/30/2026 and $5.1 billion at 6/30/2025 (on a year-to-date basis).


5
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
End of Period Deposits
 As of
     6/30/20266/30/2026
($ amounts in millions)6/30/20263/31/202612/31/20259/30/20256/30/2025 vs. 3/31/2026 vs. 6/30/2025
Non-interest-bearing deposits$40,538 $40,062 $39,530 $39,768 $40,209 $4761.2%$3290.8%
Interest-bearing checking25,001 25,017 25,677 24,669 24,704 (16)(0.1)%2971.2%
Savings12,277 12,405 11,914 11,944 12,187 (128)(1.0)%900.7%
Money market—domestic39,974 41,288 40,119 39,051 38,525 (1,314)(3.2)%1,4493.8%
Time deposits12,920 13,108 13,888 14,902 15,294 (188)(1.4)%(2,374)(15.5)%
Total Deposits$130,710 $131,880 $131,128 $130,334 $130,919 $(1,170)(0.9)%$(209)(0.2)%
 As of
   6/30/20266/30/2026
($ amounts in millions)6/30/20263/31/202612/31/20259/30/20256/30/2025 vs. 3/31/2026 vs. 6/30/2025
Consumer Bank Segment$80,972 $81,271 $80,193 $79,689 $79,953 $(299)(0.4)%$1,0191.3%
Corporate Bank Segment39,952 40,574 40,449 40,415 40,101 (622)(1.5)%(149)(0.4)%
Wealth Management Segment7,466 7,750 8,344 7,654 7,352 (284)(3.7)%1141.6%
Other (1)
2,320 2,285 2,142 2,576 3,513 351.5%(1,193)(34.0)%
Total Deposits$130,710 $131,880 $131,128 $130,334 $130,919 $(1,170)(0.9)%$(209)(0.2)%
 As of
    6/30/20266/30/2026
($ amounts in millions)6/30/20263/31/202612/31/20259/30/20256/30/2025 vs. 3/31/2026 vs. 6/30/2025
Wealth Management - Private Wealth$6,547 $6,741 $7,149 $6,698 $6,433 $(194)(2.9)%$1141.8%
Wealth Management - Institutional Services919 1,009 1,195 956 919 (90)(8.9)%——%
Total Wealth Management Segment Deposits$7,466 $7,750 $8,344 $7,654 $7,352 $(284)(3.7)%$1141.6%

As of
End of Period Deposits by Percentage6/30/20263/31/202612/31/20259/30/20256/30/2025
Non-interest-bearing deposits31.0 %30.4 %30.1 %30.5 %30.7 %
Interest-bearing checking19.1 %19.0 %19.6 %18.9 %18.9 %
Savings9.4 %9.4 %9.1 %9.2 %9.3 %
Money market—domestic30.6 %31.3 %30.6 %30.0 %29.4 %
Time deposits9.9 %9.9 %10.6 %11.4 %11.7 %
Total Deposits100.0 %100.0 %100.0 %100.0 %100.0 %
(1)Other deposits represent non-customer balances primarily consisting of wholesale funding (for example, selected deposits and brokered time deposits) and additional wholesale funding arrangements. Other deposits includes brokered deposits totaling $1.6 billion at 6/30/2026, $1.5 billion at 3/31/2026, $1.3 billion at 12/31/2025, $1.8 billion at 9/30/2025 and $2.8 billion at 6/30/2025.










6
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
Average Balances of Deposits
Average Balances
($ amounts in millions)2Q261Q264Q253Q252Q252Q26 vs. 1Q262Q26 vs. 2Q25
Non-interest-bearing deposits$39,738 $39,160 $39,459 $39,538 $39,556 $578 1.5 %$182 0.5 %
Interest-bearing checking25,121 25,245 24,528 24,274 24,865 (124)(0.5)%256 1.0 %
Savings12,355 12,075 11,876 12,046 12,300 280 2.3 %55 0.4 %
Money market—domestic 40,382 40,366 39,591 38,593 37,389 16 — %2,993 8.0 %
Time deposits13,095 13,388 14,396 15,124 15,334 (293)(2.2)%(2,239)(14.6)%
Total Deposits$130,691 $130,234 $129,850 $129,575 $129,444 $457 0.4 %1,247 1.0 %
 Average Balances
($ amounts in millions)2Q261Q264Q253Q252Q252Q26 vs. 1Q262Q26 vs. 2Q25
Consumer Bank Segment$80,624 $79,599 $79,437 $79,698 $79,912 $1,025 1.3 %$712 0.9 %
Corporate Bank Segment40,106 40,707 40,243 39,733 39,234 (601)(1.5)%872 2.2 %
Wealth Management Segment7,594 7,777 7,810 7,262 7,324 (183)(2.4)%270 3.7 %
Other (1)
2,367 2,151 2,360 2,882 2,974 216 10.0 %(607)(20.4)%
Total Deposits$130,691 $130,234 $129,850 $129,575 $129,444 $457 0.4 %$1,247 1.0 %
 Average Balances
($ amounts in millions)2Q261Q264Q253Q252Q252Q26 vs. 1Q262Q26 vs. 2Q25
Wealth Management - Private Wealth$6,672 $6,747 $6,719 $6,604 $6,705 $(75)(1.1)%$(33)(0.5)%
Wealth Management - Institutional Services922 1,030 1,091 658 619 (108)(10.5)%303 48.9 %
Total Wealth Management Segment Deposits$7,594 $7,777 $7,810 $7,262 $7,324 $(183)(2.4)%$270 3.7 %

Average Balances
Six Months Ended June 30
($ amounts in millions)202620252026 vs. 2025
Interest-free deposits$39,450 $39,305 $145 0.4 %
Interest-bearing checking25,183 24,949 234 0.9 %
Savings12,216 12,239 (23)(0.2)%
Money market—domestic40,374 36,512 3,862 10.6 %
Time deposits13,241 15,565 (2,324)(14.9)%
Total Deposits$130,464 $128,570 $1,894 1.5 %
Average Balances
Six Months Ended June 30
($ amounts in millions)202620252026 vs. 2025
Consumer Bank Segment$80,114 $79,315 $799 1.0 %
Corporate Bank Segment40,405 38,776 1,629 4.2 %
Wealth Management Segment7,685 7,461 224 3.0 %
Other (1)
2,260 3,018 (758)(25.1)%
Total Deposits$130,464 $128,570 $1,894 1.5 %
Average Balances
Six Months Ended June 30
($ amounts in millions)202620252026 vs. 2025
Wealth Management - Private Wealth$6,709 $6,800 $(91)(1.3)%
Wealth Management - Institutional Services976 661 315 47.7 %
Total Wealth Management Segment Deposits$7,685 $7,461 $224 3.0 %
(1)Other deposits represent non-customer balances primarily consisting of wholesale funding (for example, selected deposits and brokered time deposits) and additional wholesale funding arrangements.

7
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
Consolidated Statements of Income (unaudited)
Quarter Ended
($ amounts in millions, except per share data)6/30/20263/31/202612/31/20259/30/20256/30/2025
Interest income on:
Loans, including fees $1,351 $1,313 $1,358 $1,386 $1,377 
Debt securities305 298 300 293 286 
Loans held for sale8 8 9 9 9 
Other earning assets 84 83 101 108 112 
Total interest income1,748 1,702 1,768 1,796 1,784 
Interest expense on:
Deposits385 385 421 456 447 
Short-term borrowings34 17 4 8 1 
Long-term borrowings52 52 62 75 77 
Total interest expense471 454 487 539 525 
Net interest income 1,277 1,248 1,281 1,257 1,259 
Provision for credit losses68 91 115 105 126 
Net interest income after provision for credit losses1,209 1,157 1,166 1,152 1,133 
Non-interest income:
Service charges on deposit accounts167 163 163 160 151 
Card and ATM fees126 117 123 122 125 
Wealth management income150 141 143 139 133 
Capital markets income84 84 80 104 83 
Mortgage income33 32 32 38 48 
Securities gains (losses), net(41)(3)— (27)(1)
Other111 91 99 123 107 
Total non-interest income630 625 640 659 646 
Non-interest expense:
Salaries and employee benefits697 659 662 671 658 
Equipment and software expense107 108 112 106 104 
Net occupancy expense73 72 74 72 72 
Other244 229 250 254 239 
Total non-interest expense1,121 1,068 1,098 1,103 1,073 
Income before income taxes718 714 708 708 706 
Income tax expense 148 155 174 139 143 
Net income $570 $559 $534 $569 $563 
Net income available to common shareholders$549 $539 $514 $548 $534 
Weighted-average shares outstanding—during quarter:
Basic854 863 875 890 898 
Diluted857 868 880 894 900 
Actual shares outstanding—end of quarter853 854 868 885 894 
Earnings per common share: (1)
Basic$0.64 $0.63 $0.59 $0.62 $0.59 
Diluted$0.64 $0.62 $0.58 $0.61 $0.59 
Taxable-equivalent net interest income$1,291 $1,261 $1,294 $1,269 $1,271 
________
(1) Quarterly amounts may not add to year-to-date amounts due to rounding.




8
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
Consolidated Statements of Income (continued) (unaudited)
Six Months Ended June 30
($ amounts in millions, except per share data)20262025
Interest income on:
Loans, including fees$2,664 $2,719 
Debt securities603 552 
Loans held for sale16 17 
Other earning assets 167 221 
Total interest income3,450 3,509 
Interest expense on:
Deposits770 889 
Short-term borrowings51 5 
Long-term borrowings104 162 
Total interest expense925 1,056 
Net interest income2,525 2,453 
Provision for credit losses159 250 
Net interest income after provision for credit losses2,366 2,203 
Non-interest income:
Service charges on deposit accounts330 312 
Card and ATM fees243 242 
Wealth management income 291 262 
Capital markets income168 163 
Mortgage income65 88 
Securities gains (losses), net(44)(26)
Other202 195 
Total non-interest income1,255 1,236 
Non-interest expense:
Salaries and employee benefits1,356 1,283 
Equipment and software expense215 203 
Net occupancy expense145 142 
Other473 484 
Total non-interest expense2,189 2,112 
Income before income taxes1,432 1,327 
Income tax expense 303 274 
Net income $1,129 $1,053 
Net income available to common shareholders$1,088 $999 
Weighted-average shares outstanding—during year:
Basic858 902 
Diluted862 905 
Actual shares outstanding—end of period853 894 
Earnings per common share:
Basic$1.27 $1.11 
Diluted$1.26 $1.10 
Taxable-equivalent net interest income$2,552 $2,477 

9
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
Consolidated Average Daily Balances and Yield/Rate Analysis
 Quarter Ended
 6/30/20263/31/2026
($ amounts in millions; yields on taxable-equivalent basis)Average BalanceIncome/ Expense
Yield/ Rate (1)
Average BalanceIncome/ Expense
Yield/ Rate (1)
Assets
Earning assets:
Debt securities (2)(3)
$33,286 $305 3.66 %$33,530 $298 3.56 %
Loans held for sale512 8 6.16 579 8 5.48 
Loans, net of unearned income:
Commercial and industrial (4)
51,504 697 5.36 49,572 665 5.37 
Commercial real estate mortgage—owner-occupied (5)
5,089 66 5.14 4,887 63 5.14 
Commercial real estate construction—owner-occupied253 3 5.73 259 4 5.60 
Commercial investor real estate mortgage7,798 111 5.63 7,381 106 5.72 
Commercial investor real estate construction1,991 32 6.40 1,946 32 6.51 
Residential first mortgage19,551 201 4.11 19,674 200 4.07 
Home equity5,496 89 6.48 5,514 89 6.50 
Consumer credit card1,474 50 13.69 1,473 51 14.00 
Other consumer5,566 116 8.31 5,717 116 8.26 
Total loans, net of unearned income98,722 1,365 5.50 96,423 1,326 5.51 
Interest-bearing deposits in other banks7,291 69 3.78 7,415 69 3.79 
Other earning assets1,526 15 4.06 1,481 14 3.72 
Total earning assets 141,337 1,762 4.96 139,428 1,715 4.93 
Unrealized gains/(losses) on debt securities available for sale, net (2)
(769)(580)
Allowance for loan losses(1,533)(1,552)
Cash and due from banks3,247 3,275 
Other non-earning assets18,955 18,716 
$161,237 $159,287 
Liabilities and Shareholders’ Equity
Interest-bearing liabilities:
Savings $12,355 4 0.12 $12,075 4 0.13 
Interest-bearing checking25,121 74 1.17 25,245 71 1.15 
Money market 40,382 209 2.07 40,366 207 2.08 
Time deposits13,095 98 3.02 13,388 103 3.12 
Total interest-bearing deposits (6)
90,953 385 1.69 91,074 385 1.72 
Federal funds purchased and securities sold under agreements to repurchase1,096 9 3.64 655 7 3.66 
Other short-term borrowings2,592 25 3.81 1,077 10 3.80 
Long-term borrowings3,617 52 5.69 3,750 52 5.56 
Total interest-bearing liabilities98,258 471 1.92 96,556 454 1.91 
Non-interest-bearing deposits (6)
39,738 — — 39,160 — — 
Total funding sources137,996 471 1.37 135,716 454 1.35 
Net interest spread (2)
3.04 3.02 
Other liabilities4,500 4,435 
Shareholders’ equity18,676 19,077 
Noncontrolling interest65 59 
$161,237 $159,287 
Net interest income/margin FTE basis (2)
$1,291 3.66 %$1,261 3.67 %
_______
(1) Amounts have been calculated using whole dollar values and the prevailing interest accrual methodology.
(2) Debt securities are included on an amortized cost basis with yield and net interest margin calculated accordingly.
(3) Interest income includes hedging income of $1 million and $1 million for the quarter ended June 30, 2026 and March 31, 2026, respectively.
(4) Interest income includes hedging expense of $30 million and $32 million for the quarter ended June 30, 2026 and March 31, 2026, respectively.
(5) Interest income includes hedging expense of $4 million and $4 million for the quarter ended June 30, 2026 and March 31, 2026, respectively.
(6) Total deposit costs may be calculated by dividing total interest expense on deposits by the sum of interest-bearing deposits and non-interest-bearing deposits. The rates for total deposit costs equal 1.18% and 1.20% for the quarter ended June 30, 2026 and March 31, 2026, respectively.


10
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
Consolidated Average Daily Balances and Yield/Rate Analysis (continued)
 Quarter Ended
 12/31/20259/30/20256/30/2025
($ amounts in millions; yields on taxable-equivalent basis)Average BalanceIncome/ Expense
Yield/ Rate (1)
Average BalanceIncome/ Expense
Yield/ Rate (1)
Average BalanceIncome/ Expense
Yield/ Rate (1)
Assets
Earning assets:
Federal funds sold and securities purchased under agreements to resell$— $— — %$— $— — %$1 $— 4.44 %
Debt securities (2)(3)
33,464 300 3.58 33,223 293 3.53 32,882 286 3.48 
Loans held for sale642 9 5.73 662 9 5.52 500 9 7.14 
Loans, net of unearned income:
Commercial and industrial (4)
48,769 688 5.53 49,588 714 5.65 49,033 708 5.72 
Commercial real estate mortgage—owner-occupied (5)
4,866 65 5.16 4,860 62 5.04 4,900 63 5.02 
Commercial real estate construction—owner-occupied260 3 5.72 274 4 5.96 270 4 5.75 
Commercial investor real estate mortgage7,210 116 6.29 7,087 114 6.30 6,805 113 6.55 
Commercial investor real estate construction1,906 33 6.85 2,051 37 7.12 2,204 40 7.10 
Residential first mortgage19,822 202 4.07 19,944 202 4.06 19,992 200 3.99 
Home equity5,546 91 6.57 5,538 91 6.54 5,525 90 6.51 
Consumer credit card1,458 51 14.06 1,420 52 14.46 1,397 50 14.24 
Other consumer5,814 122 8.26 5,885 122 8.14 5,951 121 8.33 
Total loans, net of unearned income 95,651 1,371 5.65 96,647 1,398 5.70 96,077 1,389 5.75 
Interest-bearing deposits in other banks7,596 79 4.07 8,316 94 4.51 8,737 97 4.49 
Other earning assets1,456 22 6.21 1,519 14 3.63 1,466 15 3.96 
Total earning assets
138,809 1,781 5.07 140,367 1,808 5.09 139,663 1,796 5.12 
Unrealized gains/(losses) on debt securities available for sale, net (2)
(641)(1,001)(1,348)
Allowance for loan losses(1,545)(1,616)(1,643)
Cash and due from banks3,055 2,892 2,893 
Other non-earning assets18,429 18,447 18,409 
$158,107 $159,089 $157,974 
Liabilities and Shareholders’ Equity
Interest-bearing liabilities:
Savings $11,876 3 0.10 $12,046 4 0.13 $12,300 4 0.13 
Interest-bearing checking24,528 78 1.26 24,274 86 1.41 24,865 88 1.41 
Money market 39,591 220 2.20 38,593 234 2.40 37,389 220 2.37 
Time deposits14,396 120 3.33 15,124 132 3.45 15,334 135 3.52 
Total interest-bearing deposits (6)
90,391 421 1.85 90,037 456 2.01 89,888 447 1.99 
Federal funds purchased and securities sold under agreements to repurchase52 2 3.91 48 — 4.36 80 1 4.40 
Other short-term borrowings211 2 4.25 696 8 4.49 — — — 
Long-term borrowings4,524 62 5.40 5,527 75 5.39 5,660 77 5.36 
Total interest-bearing liabilities 95,178 487 2.03 96,308 539 2.22 95,628 525 2.20 
Non-interest-bearing deposits (6)
39,459 — — 39,538 — — 39,556 — — 
Total funding sources134,637 487 1.43 135,846 539 1.57 135,184 525 1.55 
Net interest spread (2)
3.04 2.87 2.92 
Other liabilities4,438 4,515 4,403 
Shareholders’ equity18,986 18,688 18,350 
Noncontrolling interest46 40 37 
$158,107 $159,089 $157,974 
Net interest income/margin FTE basis (2)
$1,294 3.70 %$1,269 3.59 %$1,271 3.65 %
_______
(1) Amounts have been calculated using whole dollar values and the prevailing interest accrual methodology.
(2) Debt securities are included on an amortized cost basis with yield and net interest margin calculated accordingly.
(3)    Interest income includes hedge income of $5 million, $7 million, $6 million and for the quarter ended December 31, 2025, September 30, 2025, and June 30, 2025, respectively.
(4) Interest income includes hedging expense of $44 million, $58 million, and $53 million for the quarter ended December 31, 2025, September 30, 2025, and June 30, 2025, respectively.
(5) Interest income includes hedging expense of $6 million, $7 million, and $7 million for the quarter ended December 31, 2025,September 30, 2025, and June 30, 2025, respectively.
(6) Total deposit costs may be calculated by dividing total interest expense on deposits by the sum of interest-bearing deposits and non-interest-bearing deposits. The rates for total deposit costs equal 1.29%, 1.39%, and 1.39% for the quarter ended December 31, 2025, September 30, 2025, and June 30, 2025, respectively.



11
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
Consolidated Average Daily Balances and Yield/Rate Analysis (continued)
 Six Months Ended June 30
 20262025
($ amounts in millions; yields on taxable-equivalent basis)Average BalanceIncome/ Expense
Yield/ Rate (1)
Average BalanceIncome/ Expense
Yield/ Rate (1)
Assets
Earning assets:
Federal funds sold and securities purchased under agreements to resell$— $— — %$1 $— 4.44 %
Debt securities (2)(3)
33,407 603 3.61 32,583 552 3.39 
Loans held for sale546 16 5.80 471 17 7.20 
Loans, net of unearned income:
Commercial and industrial (4)
50,544 1,362 5.37 49,120 1,395 5.65 
Commercial real estate mortgage—owner-occupied (5)
4,988 129 5.14 4,882 122 4.95 
Commercial real estate construction—owner-occupied256 7 5.66 293 9 5.77 
Commercial investor real estate mortgage7,590 217 5.67 6,646 213 6.36 
Commercial investor real estate construction1,969 64 6.45 2,235 80 7.08 
Residential first mortgage19,613 401 4.09 20,015 398 3.97 
Home equity5,505 178 6.49 5,517 181 6.57 
Consumer credit card1,473 101 13.84 1,396 100 14.39 
Other consumer5,641 232 8.28 5,995 245 8.30 
Total loans, net of unearned income97,579 2,691 5.50 96,099 2,743 5.69 
Interest-bearing deposits in other banks7,353 138 3.79 8,637 191 4.47 
Other earning assets 1,503 29 3.89 1,475 30 4.07 
Total earning assets140,388 3,477 4.95 139,266 3,533 5.07 
Unrealized gains/(losses) on debt securities available for sale, net (2)
(675)(1,531)
Allowance for loan losses(1,542)(1,634)
Cash and due from banks3,261 2,925 
Other non-earning assets18,836 18,402 
$160,268 $157,428 
Liabilities and Shareholders’ Equity
Interest-bearing liabilities:
Savings $12,216 8 0.13 $12,239 8 0.13 
Interest-bearing checking25,183 145 1.16 24,949 177 1.43 
Money market 40,374 416 2.08 36,512 424 2.35 
Time deposits13,241 201 3.07 15,565 280 3.63 
Total interest-bearing deposits (6)
91,014 770 1.70 89,265 889 2.01 
Federal funds purchased and securities sold under agreements to repurchase877 16 3.65 60 1 4.40 
Other short-term borrowings1,839 35 3.81 168 4 4.59 
Long-term borrowings3,683 104 5.62 5,830 162 5.51 
Total interest-bearing liabilities97,413 925 1.91 95,323 1,056 2.23 
Non-interest-bearing deposits (6)
39,450 — — 39,305 — — 
Total funding sources136,863 925 1.36 134,628 1,056 1.58 
Net interest spread (2)
3.04 2.83 
Other liabilities4,468 4,526 
Shareholders’ equity18,875 18,240 
Noncontrolling interest62 34 
$160,268 $157,428 
Net interest income/margin FTE basis (2)
$2,552 3.67 %$2,477 3.59 %
_______
(1) Amounts have been calculated using whole dollar values and the prevailing interest accrual methodology.
(2) Debt securities are included on an amortized cost basis with yield and net interest margin calculated accordingly.
(3)    Interest income includes hedging income of $2 million and $8 million for the six months ended June 30, 2026 and 2025, respectively.
(4) Interest income includes hedging expense of $62 million and $113 million for the six months ended June 30, 2026 and 2025, respectively.
(5) Interest income includes hedging expense of $8 million and $14 million for the six months ended June 30, 2026 and 2025, respectively.
(6) Total deposit costs may be calculated by dividing total interest expense on deposits by the sum of interest-bearing deposits and non-interest bearing deposits. The rates for total
deposit costs equal 1.19% and 1.39% for the six months ended June 30, 2026 and 2025, respectively.
12
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
Pre-Tax Pre-Provision Income ("PPI") (non-GAAP) and Adjusted PPI (non-GAAP)
The Pre-Tax Pre-Provision Income tables below present computations of pre-tax pre-provision income excluding certain adjustments (non-GAAP). Regions believes that the presentation of PPI and the exclusion of certain items from PPI provides a meaningful basis for period-to-period comparisons, which management believes will assist investors in analyzing the operating results of the Company and predicting future performance. These non-GAAP financial measures are also used by management to assess the performance of Regions’ business. It is possible that the activities related to the adjustments may recur; however, management does not consider the activities related to the adjustments to be indications of ongoing operations.
 Quarter Ended
($ amounts in millions)6/30/20263/31/202612/31/20259/30/20256/30/20252Q26 vs. 1Q262Q26 vs. 2Q25
Net income available to common shareholders (GAAP)$549 $539 $514 $548 $534 $10 1.9 %$15 2.8 %
Preferred dividends and other (GAAP) (1)
21 20 20 21 29 1 5.0 %(8)(27.6)%
Income tax expense (GAAP)148 155 174 139 143 (7)(4.5)%5 3.5 %
Income before income taxes (GAAP)718 714 708 708 706 4 0.6 %12 1.7 %
Provision for credit losses (GAAP)68 91 115 105 126 (23)(25.3)%(58)(46.0)%
Pre-tax pre-provision income (non-GAAP)786 805 823 813 832 (19)(2.4)%(46)(5.5)%
Other adjustments:
Securities (gains) losses, net40 — — 25 — 40 NM40 NM
FDIC insurance special assessment— — (14)(3)(1)— NM1 100.0 %
Salaries and employee benefits—severance charges— — — — 1 — NM(1)(100.0)%
Branch consolidation, property and equipment charges5 — — (5)— 5 NM5 NM
Total other adjustments45 — (14)17 — 45 NM45 NM
Adjusted pre-tax pre-provision income (non-GAAP)$831 $805 $809 $830 $832 $26 3.2 %$(1)(0.1)%
_____
NM - Not meaningful
(1) The second quarter 2025 amount includes $4 million of deferred issuance costs recognized upon the redemption of Series D preferred stock.






13
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
Non-Interest Income
 Quarter Ended
($ amounts in millions)6/30/20263/31/202612/31/20259/30/20256/30/20252Q26 vs. 1Q262Q26 vs. 2Q25
Service charges on deposit accounts$167 $163 $163 $160 $151 $4 2.5 %$16 10.6 %
Card and ATM fees126 117 123 122 125 9 7.7 %1 0.8 %
Wealth management income150 141 143 139 133 9 6.4 %17 12.8 %
Capital markets income (1)
84 84 80 104 83 — — %1 1.2 %
Mortgage income33 32 32 38 48 1 3.1 %(15)(31.3)%
Commercial credit fee income 28 30 30 28 29 (2)(6.7)%(1)(3.4)%
BOLI income24 30 23 25 24 (6)(20.0)%— — %
Market value adjustments on employee benefit assets (2)
24 (5)(5)12 16 29 NM8 50.0 %
Securities gains (losses), net(41)(3)— (27)(1)(38)NM(40)NM
Other miscellaneous income35 36 51 58 38 (1)(2.8)%(3)(7.9)%
Total non-interest income$630 $625 $640 $659 $646 $5 0.8 %$(16)(2.5)%
Service Charges on Deposit Accounts by Segment
Quarter Ended
($ amounts in millions)6/30/20263/31/202612/31/20259/30/20256/30/20252Q26 vs. 1Q262Q26 vs. 2Q25
Consumer Bank Segment (3)
$100 $96 $101 $99 $90 $4 4.2 %$10 11.1 %
Corporate Bank Segment (4)
66 66 61 61 60 — — %6 10.0 %
Wealth Management Segment1 1 1 — 1 — — %— — %
Total service charges on deposit accounts$167 $163 $163 $160 $151 $4 2.5 %$16 10.6 %
Wealth Management Income
Quarter Ended
($ amounts in millions)6/30/20263/31/202612/31/20259/30/20256/30/20252Q26 vs. 1Q262Q26 vs. 2Q25
Investment management and trust fee income$97 $92 $95 $91 $90 $5 5.4 %$7 7.8 %
Investment services fee income53 49 48 48 43 4 8.2 %10 23.3 %
Total wealth management income (5)
$150 $141 $143 $139 $133 $9 6.4 %$17 12.8 %
Capital Markets Income
Quarter Ended
($ amounts in millions)6/30/20263/31/202612/31/20259/30/20256/30/20252Q26 vs. 1Q262Q26 vs. 2Q25
Capital markets income$84 $84 $80 $104 $83 $— — %$1 1.2 %
Less: Valuation adjustments on customer derivatives (6)
(2)1 — — (2)(3)(300.0)%— — %
Capital markets income excluding valuation adjustments $86 $83 $80 $104 $85 $3 3.6 %$1 1.2 %
Mortgage Income
Quarter Ended
($ amounts in millions)6/30/20263/31/202612/31/20259/30/20256/30/20252Q26 vs. 1Q262Q26 vs. 2Q25
Production and sales$17 $18 $17 $17 $17 $(1)(5.6)%$— — %
Loan servicing45 46 47 47 47 (1)(2.2)%(2)(4.3)%
MSR and related hedge impact:
MSRs fair value increase (decrease) due to change in valuation inputs or assumptions5 1 13 1 16 4 400.0 %(11)(68.8)%
MSRs hedge gain (loss)(9)(3)(16)1 (4)(6)(200.0)%(5)(125.0)%
MSRs change due to payment decay(25)(30)(29)(28)(28)5 16.7 %3 10.7 %
MSR and related hedge impact(29)(32)(32)(26)(16)3 9.4 %(13)(81.3)%
Total mortgage income$33 $32 $32 $38 $48 $1 3.1 %$(15)(31.3)%
Mortgage production - portfolio$586 $451 $463 $465 $602 $135 29.9 %$(16)(2.7)%
Mortgage production - agency/secondary market586 516 494 504 516 70 13.6 %70 13.6 %
Total mortgage production$1,172 $967 $957 $969 $1,118 $205 21.2 %$54 4.8 %
Mortgage production - purchased72.9 %61.2 %71.7 %81.4 %82.5 %
Mortgage production - refinanced27.1 %38.8 %28.3 %18.6 %17.5 %
_________
NM - Not Meaningful
(1)Capital markets income primarily relates to capital raising activities that includes debt securities underwriting and placement, loan syndication and placement, as well as foreign exchange, derivative and merger and acquisition advisory services.
(2)These market value adjustments relate to assets held for employee and director benefits that are offset within salaries and employee benefits expense and other non-interest expense.
(3)Consumer overdraft fees represent approximately half of these amounts each quarter.
(4)The majority of these amounts relate to Treasury Management (TM) activities and typically represent approximately two-thirds of total TM revenue each quarter.
(5)Total wealth management income does not include certain smaller dollar amounts that are attributable to the wealth management segment.
(6)For the purposes of determining the fair value of customer derivatives, the Company considers the risk of nonperformance by counterparties, as well as the Company's own risk of nonperformance. The valuation adjustments above are reflective of the values associated with these considerations.

14
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
Non-Interest Income
($ amounts in millions)Six Months EndedYear-to-Date Change 6/30/2026 vs. 6/30/2025
6/30/20266/30/2025AmountPercent
Service charges on deposit accounts$330 $312 $18 5.8 %
Card and ATM fees243 242 1 0.4 %
Wealth management income291 262 29 11.1 %
Capital markets income (1)
168 163 5 3.1 %
Mortgage income65 88 (23)(26.1)%
Commercial credit fee income 58 56 2 3.6 %
Bank-owned life insurance54 47 7 14.9 %
Market value adjustments on employee benefit assets (2)
19 13 6 46.2 %
Securities gains (losses), net(44)(26)(18)(69.2)%
Other miscellaneous income71 79 (8)(10.1)%
Total non-interest income$1,255 $1,236 $19 1.5 %
Service Charges on Deposit Accounts by Segment
Six Months EndedYear-to-Date Change 6/30/2026 vs. 6/30/2025
($ amounts in millions)6/30/20266/30/2025AmountPercent
Consumer Bank Segment (3)
$196 $186 $10 5.4 %
Corporate Bank Segment (4)
132 124 8 6.5 %
Wealth Management Segment2 2 — — %
Total service charges on deposit accounts$330 $312 $18 5.8 %
Wealth Management Income
Six Months EndedYear-to-Date Change 6/30/2026 vs. 6/30/2025
($ amounts in millions)6/30/20266/30/2025AmountPercent
Investment management and trust fee income$189 $176 $13 7.4 %
Investment services fee income102 86 16 18.6 %
Total wealth management income (5)
$291 $262 $29 11.1 %
Capital Markets Income
Six Months EndedYear-to-Date Change 6/30/2026 vs. 6/30/2025
($ amounts in millions)6/30/20266/30/2025AmountPercent
Capital markets income$168 $163 $5 3.1 %
Less: Valuation adjustments on customer derivatives (6)
(1)(3)2 66.7 %
Capital markets income excluding valuation adjustments $169 $166 $3 1.8 %
Mortgage Income
Six Months EndedYear-to-Date Change 6/30/2026 vs. 6/30/2025
($ amounts in millions)6/30/20266/30/2025AmountPercent
Production and sales$35 $30 $5 16.7 %
Loan servicing91 94 (3)(3.2)%
MSR and related hedge impact:
MSRs fair value increase (decrease) due to change in valuation inputs or assumptions6 6 — — %
MSRs hedge gain (12)14 (26)(185.7)%
MSRs change due to payment decay(55)(56)1 1.8 %
MSR and related hedge impact(61)(36)(25)69.4 %
Total mortgage income$65 $88 $(23)(26.1)%
Mortgage production - portfolio$1,037 $957 $80 8.4 %
Mortgage production - agency/secondary market1,102 887 215 24.2 %
Total mortgage production $2,139 $1,844 $295 16.0 %
Mortgage production - purchased67.6 %82.7 %
Mortgage production - refinanced32.4 %17.3 %
_________
NM - Not Meaningful
(1)Capital markets income primarily relates to capital raising activities that includes debt securities underwriting and placement, loan syndication and placement, as well as foreign exchange, derivative and merger and acquisition advisory services.
(2)These market value adjustments relate to assets held for employee and director benefits that are offset within salaries and employee benefits expense and other non-interest expense.
(3)Consumer overdraft fees typically represent approximately half of these amounts each reporting period.
(4)The majority of these amounts relate to Treasury Management (TM), and typically represent approximately two-thirds of Regions' total TM revenue each reporting period.
(5)Total wealth management income does not include certain smaller dollar amounts that are attributable to the wealth management segment.
(6)For the purposes of determining the fair value of customer derivatives, the Company considers the risk of nonperformance by counterparties, as well as the Company's own risk of nonperformance. The valuation adjustments above are reflective of the values associated with these considerations.

15
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
Non-Interest Expense
Quarter Ended
($ amounts in millions)6/30/20263/31/202612/31/20259/30/20256/30/20252Q26 vs. 1Q262Q26 vs. 2Q25
Salaries and employee benefits$697 $659 $662 $671 $658 $38 5.8 %$39 5.9 %
Equipment and software expense107 108 112 106 104 (1)(0.9)%3 2.9 %
Net occupancy expense73 72 74 72 72 1 1.4 %1 1.4 %
Outside services47 42 45 42 39 5 11.9 %8 20.5 %
Marketing28 29 29 28 26 (1)(3.4)%2 7.7 %
Professional, legal and regulatory expenses 28 28 30 30 28 — — %— — %
Credit/checkcard expenses16 14 18 15 16 2 14.3 %— — %
FDIC insurance assessments 17 19 3 15 20 (2)(10.5)%(3)(15.0)%
Visa class B shares expense2 1 8 8 4 1 100.0 %(2)(50.0)%
Operational losses 8 10 9 18 13 (2)(20.0)%(5)(38.5)%
Branch consolidation, property and equipment charges 5 — — (5)— 5 NM5 NM
Other miscellaneous expenses93 86 108 103 93 7 8.1 %— — %
Total non-interest expense$1,121 $1,068 $1,098 $1,103 $1,073 $53 5.0 %$48 4.5 %
Salaries and Benefits Expense
Quarter Ended
($ amounts in millions)6/30/20263/31/202612/31/20259/30/20256/30/20252Q26 vs. 1Q262Q26 vs. 2Q25
Salaries and employee benefits$697 $659 $662 $671 $658 $38 5.8 %$39 5.9 %
Less: Market value adjustments on supplemental 401(k) liabilities24 (4)6 13 16 28 NM8 50.0 %
Salaries and employee benefits less market value adjustments on employee benefits liabilities$673 $663 $656 $658 $642 $10 1.5 %$31 4.8 %

Six Months EndedYear-to-Date Change 6/30/2026 vs. 6/30/2025
($ amounts in millions)6/30/20266/30/2025AmountPercent
Salaries and employee benefits $1,356 $1,283 $73 5.7 %
Equipment and software expense215 203 12 5.9 %
Net occupancy expense145 142 3 2.1 %
Outside services89 79 10 12.7 %
Marketing57 56 1 1.8 %
Professional, legal and regulatory expenses 56 51 5 9.8 %
Credit/checkcard expenses30 31 (1)(3.2)%
FDIC insurance assessments 36 40 (4)(10.0)%
Visa class B shares expense3 11 (8)(72.7)%
Operational losses18 26 (8)(30.8)%
Branch consolidation, property and equipment charges 5 — 5 NM
Other miscellaneous expenses179 190 (11)(5.8)%
Total non-interest expense$2,189 $2,112 $77 3.6 %

Salaries and Benefits Expense
Six Months EndedYear-to-Date Change 6/30/2026 vs. 6/30/2025
($ amounts in millions)6/30/20266/30/2025AmountPercent
Salaries and employee benefits$1,356 $1,283 $73 5.7 %
Less: Market value adjustments on 401(k) liabilities (1)
20 15 5 33.3 %
Salaries and employee benefits less market value adjustments on employee benefits liabilities$1,336 $1,268 $68 5.4 %
_________
NM - Not Meaningful
(1) The Company holds assets in order to offset the market value adjustments on 401(k) liabilities and the market value adjustments on those assets are recorded in non-interest income.
16
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
Reconciliation of GAAP Financial Measures to Non-GAAP Financial Measures
Adjusted Efficiency Ratios, Adjusted Fee Income Ratios, Adjusted Non-Interest Income/Expense, Adjusted Operating Leverage Ratios, and Adjusted Total Revenue
The table below presents computations of the efficiency ratio, which is a measure of productivity, generally calculated as non-interest expense divided by total revenue; and the fee income ratio, generally calculated as non-interest income divided by total revenue. Management uses these ratios 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. Net interest income and non-interest income are added together to arrive at total revenue. Adjustments are made to arrive at adjusted total revenue (non-GAAP). Net interest income on a taxable-equivalent basis and non-interest income are added together to arrive at total revenue on a taxable-equivalent basis (GAAP). 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. Also presented is a computation of the adjusted operating leverage ratio (non-GAAP), which is the period-to-period percentage change in adjusted total revenue on a taxable-equivalent basis (non-GAAP) less the percentage change in adjusted non-interest expense (non-GAAP).
 Quarter Ended
($ amounts in millions) 6/30/20263/31/202612/31/20259/30/20256/30/20252Q26 vs. 1Q262Q26 vs. 2Q25
Non-interest expense (GAAP)A$1,121 $1,068 $1,098 $1,103 $1,073 $53 5.0 %$48 4.5 %
Adjustments:
FDIC insurance special assessment — — 14 3 1 — NM(1)(100.0)%
Branch consolidation, property and equipment charges (5)— — 5 — (5)NM(5)NM
Salaries and employee benefits—severance charges— — — — (1)— NM1 100.0 %
Adjusted non-interest expense (non-GAAP)B$1,116 $1,068 $1,112 $1,111 $1,073 $48 4.5 %$43 4.0 %
Net interest income (GAAP)C$1,277 $1,248 $1,281 $1,257 $1,259 $29 2.3 %$18 1.4 %
Taxable-equivalent adjustment14 13 13 12 12 1 7.7 %2 16.7 %
Net interest income, taxable-equivalent basis (GAAP)D$1,291 $1,261 $1,294 $1,269 $1,271 $30 2.4 %$20 1.6 %
Non-interest income (GAAP)E$630 $625 $640 $659 $646 $5 0.8 %$(16)(2.5)%
Adjustments:
Securities (gains) losses, net40 — — 25 — 40 NM40 NM
Adjusted non-interest income (non-GAAP)F$670 $625 $640 $684 $646 $45 7.2 %$24 3.7 %
Total revenue (GAAP)C+E=G$1,907 $1,873 $1,921 $1,916 $1,905 $34 1.8 %$2 0.1 %
Adjusted total revenue (non-GAAP)C+F=H$1,947 $1,873 $1,921 $1,941 $1,905 $74 4.0 %$42 2.2 %
Total revenue, taxable-equivalent basis (GAAP)D+E=I$1,921 $1,886 $1,934 $1,928 $1,917 $35 1.9 %$4 0.2 %
Adjusted total revenue, taxable-equivalent basis (non-GAAP)D+F=J$1,961 $1,886 $1,934 $1,953 $1,917 $75 4.0 %$44 2.3 %
Operating leverage ratio (GAAP) (1)
I-A(3.1)%(4.3)%
Adjusted operating leverage ratio (non-GAAP) (1)
J-B(0.5)%(1.7)%
Efficiency ratio (GAAP) (1)
A/I58.3 %56.6 %56.8 %57.2 %56.0 %
Adjusted efficiency ratio (non-GAAP) (1)
B/J56.9 %56.6 %57.5 %56.9 %56.0 %
Fee income ratio (GAAP) (1)
E/I32.8 %33.1 %33.1 %34.2 %33.7 %
Adjusted fee income ratio (non-GAAP) (1)
F/J34.2 %33.1 %33.1 %35.0 %33.7 %
________
NM - Not Meaningful
(1) Amounts have been calculated using whole dollar values.






17
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release

Reconciliation of GAAP Financial Measures to non-GAAP Financial Measures
Adjusted Efficiency Ratios, Adjusted Fee Income Ratios, Adjusted Non-Interest Income/Expense, Adjusted Operating Leverage Ratios, and Adjusted Total Revenue (continued)
Six Months Ended June 30
($ amounts in millions)202620252026 vs. 2025
Non-interest expense (GAAP)A$2,189 $2,112 $77 3.6 %
Adjustments:
Branch consolidation, property and equipment charges(5)— (5)NM
Salaries and employee benefits—severance charges— (2)2 100.0 %
Professional, legal and regulatory expenses — (2)2 100.0 %
Adjusted non-interest expense (non-GAAP)B$2,184 $2,108 $76 3.6 %
Net interest income (GAAP) C$2,525 $2,453 $72 2.9 %
Taxable-equivalent adjustment27 24 3 12.5 %
Net interest income, taxable-equivalent basisD$2,552 $2,477 $75 3.0 %
Non-interest income (GAAP)E$1,255 $1,236 $19 1.5 %
Adjustments:
Securities (gains) losses, net40 25 15 60.0 %
Adjusted non-interest income (non-GAAP)F$1,295 $1,261 $34 2.7 %
Total revenue (GAAP)C+E= G$3,780 $3,689 $91 2.5 %
Adjusted total revenue (non-GAAP)C+F=H$3,820 $3,714 $106 2.9 %
Total revenue, taxable-equivalent basis (GAAP)D+E=I$3,807 $3,713 $94 2.5 %
Adjusted total revenue, taxable-equivalent basis (non-GAAP)D+F=J$3,847 $3,738 $109 2.9 %
Operating leverage ratio (GAAP) (1)
I-A(1.1)%
Adjusted operating leverage ratio (non-GAAP) (1)
J-B(0.7)%
Efficiency ratio (GAAP) (1)
A/I57.5 %56.9 %
Adjusted efficiency ratio (non-GAAP) (1)
B/J56.8 %56.4 %
Fee income ratio (GAAP) (1)
E/I33.0 %33.3 %
Adjusted fee income ratio (non-GAAP) (1)
F/J33.7 %33.7 %
______
NM - Not Meaningful
(1)Amounts have been calculated using whole dollar values.





18
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
Reconciliation of GAAP Financial Measures to non-GAAP Financial Measures
Adjusted Net Income Available to Common Shareholders, Adjusted Diluted EPS, and Return Ratios
The table below provides a reconciliation of net income available to common shareholders (GAAP) to adjusted net income available to common shareholders (non-GAAP), a computation of adjusted diluted EPS (non-GAAP), and calculations of “average tangible common shareholders’ equity” (non-GAAP) and related 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). Management uses these ratios to monitor performance and believes these measures provide meaningful information to investors. Average 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 average tangible common shareholders’ equity measure. Because average 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. In calculating return on average tangible common shareholders' equity ratios, Regions makes adjustments to shareholders' equity including average intangible assets and related deferred taxes, and average preferred stock. Regions also presents an adjusted tangible common shareholder ratio using adjusted net income (non-GAAP) as the numerator. Management uses these metrics to monitor performance and believes these measures provide meaningful information to investors.
Quarter Ended
($ amounts in millions)6/30/20263/31/202612/31/20259/30/20256/30/20252Q26 vs. 1Q262Q26 vs. 2Q25
Net income available to common shareholders (GAAP)A$549 $539 $514 $548 $534 $10 1.9 %$15 2.8 %
Adjustments:
Securities (gains) losses, net40 — — 25 — 40 NM40 NM
FDIC insurance special assessment— — (14)(3)(1)— NM1 100.0 %
Salaries and employee benefits—severance charges— — — — 1 — NM(1)(100.0)%
Branch consolidation, property and equipment charges5 — — (5)— 5 NM5 NM
Preferred stock redemption expense (1)
— — — — 4 — NM(4)(100.0)%
Total adjustments45 — (14)17 4 $45 NM$41 NM
Tax impact of adjusted items (2)
(11)— 4 (4)— (11)NM(11)NM
Adjusted net income available to common shareholders (non-GAAP)B$583 $539 $504 $561 $538 $44 8.2 %$45 8.4 %
Weighted-average diluted sharesC857 868 880 894 900 
Diluted EPS (GAAP) (3)
A/C$0.64 $0.62 $0.58 $0.61 $0.59 $0.02 3.2 %$0.05 8.5 %
Adjusted diluted EPS (non-GAAP) (3)
B/C$0.68 $0.62 $0.57 $0.63 $0.60 $0.06 9.7 %$0.08 13.3 %
Average shareholders' equity (GAAP)18,676 19,077 18,986 18,688 18,350 (401)(2.1)%326 1.8 %
Less: Average preferred stock (GAAP)1,369 1,369 1,369 1,369 1,513 — — %(144)(9.5)%
Average common shareholders' equity (GAAP)D17,307 17,708 17,617 17,319 16,837 (401)(2.3)%470 2.8 %
Less:
  Average intangible assets (GAAP)5,863 5,869 5,876 5,883 5,891 (6)(0.1)%(28)(0.5)%
  Average deferred tax liability related to intangibles (GAAP)(141)(138)(135)(131)(127)(3)(2.2)%(14)(11.0)%
Average tangible common shareholders' equity (non-GAAP)E$11,585 $11,977 $11,876 $11,567 $11,073 (392)(3.3)%512 4.6 %
Return on average common shareholders' equity (GAAP) (3)*
A/D12.73 %12.35 %11.58 %12.56 %12.72 %
Return on average tangible common shareholders' equity (non-GAAP) (3)*
A/E19.01 %18.26 %17.17 %18.81 %19.34 %
Adjusted return on average tangible common shareholders' equity (non-GAAP) (3)*
B/E20.18 %18.26 %16.84 %19.24 %19.48 %
_______
*Annualized
NM - Not Meaningful
(1) In the second quarter of 2025, the Company redeemed its Series D preferred stock. The initial issuance costs reduced net income to common shareholders when the shares were redeemed. This is a non-taxable expense.
(2) Unless separately noted, the tax impact for adjustments has been calculated using a nominal tax rate of 25 percent.
(3) Amounts calculated based upon whole dollar values.

19
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
Reconciliation of GAAP Financial Measures to non-GAAP Financial Measures
Tangible Common Ratios
The following table provides a reconciliation of shareholders’ equity (GAAP) to tangible common shareholders’ equity (non-GAAP) and the calculations of the end of period “tangible common shareholders’ equity to tangible assets” and "tangible common book value per share" ratios (non-GAAP). Since analysts and banking regulators may assess Regions’ capital adequacy using tangible common shareholders' equity, management believes that it is useful to provide investors the ability to assess Regions’ capital adequacy on this same basis.
As of and for Quarter Ended
($ amounts in millions, except per share data)6/30/20263/31/202612/31/20259/30/20256/30/2025
TANGIBLE COMMON RATIOS
Shareholders’ equity (GAAP)A$18,840 $18,779 $19,043 $19,049 $18,666 
Less: Preferred stock (GAAP)1,369 1,369 1,369 1,369 1,369 
Common shareholders' equity (GAAP)B17,471 17,410 17,674 17,680 17,297 
Less:
Intangible assets (GAAP)5,859 5,866 5,873 5,879 5,886 
Deferred tax liability related to intangibles (GAAP)(143)(141)(138)(133)(130)
Tangible common shareholders’ equity (non-GAAP)C$11,755 $11,685 $11,939 $11,934 $11,541 
Total assets (GAAP)D$161,299 $160,741 $158,814 $159,940 $159,206 
Less:
Intangible assets (GAAP)5,859 5,866 5,873 5,879 5,886 
Deferred tax liability related to intangibles (GAAP)(143)(141)(138)(133)(130)
Tangible assets (non-GAAP)E$155,583 $155,016 $153,079 $154,194 $153,450 
Shares outstanding—end of quarterF853 854 868 885 894 
Total equity to total assets (GAAP) (1)
A/D11.68 %11.68 %11.99 %11.91 %11.72 %
Tangible common shareholders’ equity to tangible assets (non-GAAP) (1)
C/E7.55 %7.54 %7.80 %7.74 %7.52 %
Common book value per share (GAAP) (1)
B/F$20.48 $20.39 $20.36 $19.98 $19.35 
Tangible common book value per share (non-GAAP) (1)
C/F$13.78 $13.69 $13.75 $13.49 $12.91 
____
(1)Amounts have been calculated using whole dollar values.


Common equity Tier 1 (CET1) Ratios

The following table presents CET1 and CET1 adjusted to include certain components of AOCI (non-GAAP). CET1 is a capital adequacy measure established by federal banking regulators under the Basel III framework. Banking institutions that meet requirements under the regulations are required to maintain certain minimum capital requirements, including a minimum CET1 ratio. This measure is utilized by analysts and banking regulators to assess Regions’ capital adequacy. Under the framework, Regions elected to remove certain of the effects of AOCI in the calculation of CET1. Adjustments to the calculation prescribed in federal banking regulations are considered to be non-GAAP financial measures. Adjustments to CET1 include certain portions of AOCI to arrive at CET1 inclusive of AOCI (non-GAAP), which is a potential impact under recent proposed rulemaking standards. Since analysts and banking regulators may assess Regions’ capital adequacy using proposed rulemaking standards, management believes that it is useful to provide investors the ability to assess Regions’ capital adequacy on this same basis.

Quarter-Ended
($ amounts in millions)6/30/20263/31/202612/31/20259/30/20256/30/2025
CET1 RATIOS
Common equity Tier 1 (1)
A$13,692$13,419 $13,490 $13,620 $13,533 
Adjustments:
AOCI loss on securities (2)
(1,192)(1,172)(1,076)(1,241)(1,485)
AOCI loss on defined benefit pension plans and other post employment benefits(384)(387)(391)(396)(401)
Common equity Tier 1 (inclusive of AOCI) (non-GAAP)B$12,116 $11,860 $12,023 $11,983 $11,647 
Total risk-weighted assets (1)
C$127,786$125,682 $123,882 $125,386 $125,755 
Common equity Tier 1 ratio (1)(3)
A/C10.7 %10.7 %10.9 %10.9 %10.8 %
Common equity Tier 1 ratio (inclusive of AOCI) (non-GAAP) (1)(3)
B/C9.5 %9.4 %9.7 %9.6 %9.3 %
____
(1)Current quarter Common equity Tier 1 as well as Total risk-weighted assets are estimated.
(2)Represents AOCI loss on both available for sale and held to maturity securities.
(3)Amounts have been calculated using whole dollar values.

20
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
Asset Quality
As of and for Quarter Ended
($ amounts in millions)6/30/20263/31/202612/31/20259/30/20256/30/2025
Beginning allowance for loan losses (ALL)$1,527 $1,556 $1,581 $1,612 $1,613 
Loans charged-off:
Commercial and industrial66 88 92 57 70 
Commercial real estate mortgage—owner-occupied1 — 1 1 — 
Total commercial67 88 93 58 70 
Commercial investor real estate mortgage— — 4 34 2 
Total investor real estate— — 4 34 2 
Residential first mortgage1 — — 1 1 
Home equity—lines of credit1 1 — — 1 
Home equity—closed-end— — 1 — — 
Consumer credit card18 18 17 16 17 
Other consumer36 44 52 51 42 
Total consumer56 63 70 68 61 
Total123 151 167 160 133 
Recoveries of loans previously charged-off:
Commercial and industrial8 9 11 10 10 
Commercial real estate mortgage—owner-occupied1 — — 1 — 
Total commercial9 9 11 11 10 
Commercial investor real estate mortgage— — 1 2 — 
Total investor real estate— — 1 2 — 
Residential first mortgage1 — 1 — 1 
Home equity—lines of credit1 1 1 1 2 
Home equity—closed-end— — 1 — — 
Consumer credit card2 3 2 2 2 
Other consumer8 8 8 9 5 
Total consumer12 12 13 12 10 
Total21 21 25 25 20 
Net charge-offs (recoveries):
Commercial and industrial58 79 81 47 60 
Commercial real estate mortgage—owner-occupied— — 1 — — 
Total commercial58 79 82 47 60 
Commercial investor real estate mortgage— — 3 32 2 
Total investor real estate— — 3 32 2 
Residential first mortgage— — (1)1 — 
Home equity—lines of credit— — (1)(1)(1)
Consumer credit card16 15 15 14 15 
Other consumer28 36 44 42 37 
Total consumer44 51 57 56 51 
Total102 130 142 135 113 
Provision for loan losses64 101 117 104 112 
Ending allowance for loan losses (ALL)1,489 1,527 1,556 1,581 1,612 
Beginning reserve for unfunded credit commitments120 130 132 131 117 
Provision for (benefit from) unfunded credit losses4 (10)(2)1 14 
Ending reserve for unfunded commitments124 120 130 132 131 
Allowance for credit losses (ACL) at period end$1,613 $1,647 $1,686 $1,713 $1,743 
21
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
Asset Quality (continued)
As of and for Quarter Ended
($ amounts in millions)6/30/20263/31/202612/31/20259/30/20256/30/2025
Net loan charge-offs as a % of average loans, annualized (1):
Commercial and industrial0.45 %0.65 %0.66 %0.37 %0.49 %
Commercial real estate mortgage—owner-occupied0.01 %(0.03)%0.02 %0.04 %— %
Commercial real estate construction—owner-occupied0.22 %(0.05)%(0.07)%(0.01)%(0.01)%
Total commercial0.41 %0.58 %0.60 %0.34 %0.45 %
Commercial investor real estate mortgage— %0.02 %0.15 %1.82 %0.10 %
Total investor real estate— %0.02 %0.12 %1.41 %0.07 %
Residential first mortgage— %— %— %0.01 %— %
Home equity—lines of credit(0.04)%(0.01)%(0.10)%(0.12)%(0.05)%
Home equity—closed-end(0.03)%(0.02)%— %(0.01)%(0.01)%
Consumer credit card4.28 %4.17 %4.08 %3.94 %4.24 %
Other consumer2.09 %2.51 %2.97 %2.83 %2.50 %
Total consumer0.56 %0.63 %0.70 %0.67 %0.63 %
Total0.42 %0.54 %0.59 %0.55 %0.47 %
Non-performing loans, excluding loans held for sale$668 $692 $698 $758 $776 
Non-performing loans held for sale1 1 — 12 16 
Non-performing loans, including loans held for sale669 693 698 770 792 
Foreclosed properties19 20 17 18 16 
Non-performing assets (NPAs)$688 $713 $715 $788 $808 
Loans past due > 90 days (2)
$158 $170 $180 $154 $171 
Criticized loans—business (3)
$3,370 $3,384 $3,342 $3,682 $4,608 
Credit Ratios (1):
ACL/Loans, net1.63 %1.68 %1.76 %1.78 %1.80 %
ALL/Loans, net1.50 %1.56 %1.63 %1.64 %1.67 %
Business criticized loans to total business loans5.01 %5.15 %5.31 %5.81 %7.22 %
Allowance for credit losses to non-performing loans, excluding loans held for sale241 %238 %242 %226 %225 %
Allowance for loan losses to non-performing loans, excluding loans held for sale223 %221 %223 %208 %208 %
Non-performing loans, excluding loans held for sale/Loans, net0.67 %0.71 %0.73 %0.79 %0.80 %
NPAs (ex. 90+ past due)/Loans, foreclosed properties, and non-performing loans held for sale0.69 %0.73 %0.75 %0.82 %0.84 %
NPAs (inc. 90+ past due)/Loans, foreclosed properties, and non-performing loans held for sale (2)
0.85 %0.90 %0.94 %0.98 %1.01 %
(1)Amounts have been calculated using whole dollar values.
(2)Excludes guaranteed residential first mortgages that are 90+ days past due and still accruing. Refer to the footnotes on page 23 for amounts related to these loans.
(3)Business represents the combined total of commercial and investor real estate loans.
Allowance for Credit Losses
Six Months Ended June 30
($ amounts in millions)20262025
Balance at January 1$1,686 $1,729 
Net charge-offs232 236 
Provision for loan losses165 235 
Provision for unfunded credit losses(6)15 
Balance at June 30
$1,613 $1,743 
Net loan charge-offs as a % of average loans, annualized (GAAP) (1)
0.48 %0.50 %
(1)Amounts have been calculated using whole dollar values.




22
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
Non-Performing Loans (excludes loans held for sale)
 As of
($ amounts in millions, %'s calculated using whole dollar values)6/30/20263/31/202612/31/20259/30/20256/30/2025
Commercial and industrial$412 0.79 %$471 0.93 %$474 0.97 %$524 1.06 %$391 0.79 %
Commercial real estate mortgage—owner-occupied61 1.19 %53 1.06 %45 0.92 %41 0.85 %45 0.92 %
Commercial real estate construction—owner-occupied2 0.64 %2 0.85 %2 0.85 %1 0.43 %1 0.46 %
Total commercial475 0.83 %526 0.94 %521 0.97 %566 1.04 %437 0.80 %
Commercial investor real estate mortgage127 1.60 %103 1.33 %121 1.69 %137 1.92 %283 4.08 %
Total investor real estate127 1.27 %103 1.06 %121 1.33 %137 1.51 %283 3.12 %
Residential first mortgage33 0.17 %30 0.16 %25 0.12 %24 0.12 %24 0.12 %
Home equity—lines of credit25 0.76 %25 0.77 %24 0.74 %24 0.73 %26 0.79 %
Home equity—closed-end8 0.36 %8 0.34 %7 0.32 %7 0.31 %6 0.26 %
Total consumer66 0.21 %63 0.20 %56 0.17 %55 0.17 %56 0.17 %
Total non-performing loans$668 0.67 %$692 0.71 %$698 0.73 %$758 0.79 %$776 0.80 %

Early and Late Stage Delinquencies
Accruing 30-89 Days Past Due Loans
As of
($ amounts in millions, %'s calculated using whole dollar values)6/30/20263/31/202612/31/20259/30/20256/30/2025
Commercial and industrial $61 0.12 %$50 0.10 %$55 0.11 %$63 0.13 %$67 0.14 %
Commercial real estate mortgage—owner-occupied15 0.28 %4 0.08 %6 0.11 %10 0.21 %8 0.17 %
Total commercial76 0.13 %54 0.10 %61 0.11 %73 0.13 %75 0.14 %
Commercial investor real estate mortgage38 0.49 %1 0.01 %— — %28 0.40 %— — %
Commercial investor real estate construction— — %— — %— — %— — %1 0.05 %
Total investor real estate38 0.39 %1 0.01 %— — %28 0.31 %1 0.01 %
Residential first mortgage—non-guaranteed (1)
123 0.65 %127 0.66 %144 0.74 %132 0.68 %114 0.58 %
Home equity—lines of credit22 0.67 %22 0.69 %25 0.79 %28 0.89 %25 0.77 %
Home equity—closed-end 14 0.63 %13 0.57 %15 0.62 %14 0.57 %11 0.48 %
Consumer credit card20 1.32 %21 1.39 %22 1.48 %20 1.40 %20 1.46 %
Other consumer64 1.17 %66 1.19 %75 1.31 %68 1.18 %66 1.11 %
Total consumer (1)
243 0.77 %249 0.79 %281 0.88 %262 0.81 %236 0.73 %
Total accruing 30-89 days past due loans (1)
$357 0.36 %$304 0.31 %$342 0.36 %$363 0.38 %$312 0.32 %
Accruing 90+ Days Past Due LoansAs of
($ amounts in millions, %'s calculated using whole dollar values)6/30/20263/31/202612/31/20259/30/20256/30/2025
Commercial and industrial$4 0.01 %$5 0.01 %$6 0.01 %$4 0.01 %$19 0.04 %
Commercial real estate mortgage—owner-occupied1 0.03 %1 0.01 %— 0.01 %2 0.05 %1 0.02 %
Total commercial5 0.01 %6 0.01 %6 0.01 %6 0.01 %20 0.04 %
Residential first mortgage—non-guaranteed (2)
91 0.48 %100 0.52 %105 0.55 %84 0.43 %89 0.46 %
Home equity—lines of credit13 0.40 %14 0.42 %15 0.45 %14 0.43 %12 0.38 %
Home equity—closed-end 8 0.36 %8 0.35 %8 0.37 %7 0.30 %7 0.30 %
Consumer credit card21 1.39 %22 1.52 %22 1.41 %20 1.42 %20 1.39 %
Other consumer20 0.35 %20 0.35 %24 0.40 %23 0.39 %23 0.39 %
Total consumer (2)
153 0.48 %164 0.52 %174 0.54 %148 0.46 %151 0.47 %
Total accruing 90+ days past due loans (2)
$158 0.16 %$170 0.17 %$180 0.19 %$154 0.16 %$171 0.18 %
Total delinquencies (1) (2)
$515 0.52 %$474 0.49 %$522 0.55 %$517 0.54 %$483 0.50 %
(1)Excludes loans that are 100% guaranteed by FHA and guaranteed loans sold to Ginnie Mae where Regions has the right but not the obligation to repurchase; however, includes Ginnie Mae repurchased loans with partial guarantees. Total 30-89 days past due guaranteed loans excluded were $58 million at 6/30/2026, $62 million at 3/31/2026, $66 million at 12/31/2025, $62 million at 9/30/2025, and $57 million at 6/30/2025.
(2)Excludes loans that are 100% guaranteed by FHA and all guaranteed loans sold to Ginnie Mae where Regions has the right but not the obligation to repurchase; however, includes Ginnie Mae repurchased loans with partial guarantees. Total 90 days or more past due guaranteed loans excluded were $100 million at 6/30/2026, $94 million at 3/31/2026, $79 million at 12/31/2025, $48 million at 9/30/2025, and $44 million at 6/30/2025.
23
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
Forward-Looking Statements
This supplement, the related earnings release, and the accompanying earnings call 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.
•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.
24
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release
•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 “Cautionary Note Regarding Forward-Looking Statements and Risk Factor Summary” 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.
25
2nd Quarter Earnings July 17, 2026 Exhibit 99.3

 

2 Highlights • Proven history of consistently generating top-quartile returns in our peer group(2) • Delivering continued momentum across core businesses, including a record quarter in Wealth Management • Benefiting from healthy business activity and stable consumer financial conditions across our footprint • Advancing digital leadership and technology modernization through: ◦ #1 JD Power ranking in Customer Satisfaction for Regional Bank Websites(3) ◦ #2 JD Power ranking in Customer Satisfaction with Mobile Banking Apps among Regional Banks(3) ◦ Successful deployment of our new commercial lending platform • Expanding capital markets capabilities and long-term growth opportunities through the July 1, 2026 acquisition of The Frazer Lanier Company Second 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. (3) JD Power 2020-2022, and 2024-2026 (tied in 2026) U.S. Banking Online Satisfaction Studies; among banks with $60B to $199B in deposits and 200+ branches, which measures customer satisfaction with financial institutions’ website experience for banking account management. Visit jdpower.com/awards for more details Key Performance Metrics 2Q26 Reported Adjusted(1) Net Income Available to Common Shareholders $549M $583M Diluted Earnings Per Share $0.64 $0.68 Total Revenue $1,907M $1,947M Non-Interest Expense $1,121M $1,116M Pre-Tax Pre-Provision Income(1) $786M $831M Efficiency Ratio 58.3% 56.9% Net-Charge Offs / Avg Loans 0.42% 0.42% Return on Average Tangible Common Equity(1) 19.01% 20.18%

 

3 QoQ Highlights & Outlook • Avg loans increased 2%, while ending loans grew 1% • Avg business loans increased 4%, while avg consumer loans remained relatively stable • Broad-based C&I lending drove growth, led by power & utilities, manufacturing, government & public sector, and retail trade; over half of new production was investment grade • Line utilization increased to 33.5%, up 100bps linked quarter, while growth also reflected new client acquisition and expanded relationships with existing customers • Client sentiment remains constructive, with pipelines and commitments up 15% and 7% YoY • Continue to expect FY26 avg loan balances to be up low single digits compared to FY25 $96.7 $97.9 $99.2 $63.8 $65.7 $67.2 $32.9 $32.2 $32.0 2Q25 1Q26 2Q26 $96.1 $96.4 $98.7 $63.2 $64.0 $66.6 $32.9 $32.4 $32.1 2Q25 1Q26 2Q26 Average Loans & Leases ($ in billions) Business LoansConsumer Loans Ending Loans & Leases ($ in billions) Loans Poised for continued growth

 

4 QoQ Highlights & Outlook • Avg deposits increased modestly, while ending balances decreased 1%, reflecting seasonal tax- related flows • Consumer deposits continued to perform well, with checking balance growth helping offset modest declines in corporate and wealth deposits • Deposit costs remained controlled as avg balances grew, supported by a strong franchise and disciplined pricing • Intentional mix shift from CDs into money market accounts continued across consumer and wealth segments • NIB mix remained stable in the low 30% range • Continue to expect FY26 avg balances to be up low single digits compared to FY25 $130.9 $131.9 $130.7 $80.0 $81.2 $81.0 $40.1 $40.6 $40.0 $7.4 $7.8 $7.4 $3.4 $2.3 $2.3 2Q25 1Q26 2Q26 $129.4 $130.2 $130.7 $79.9 $79.6 $80.6 $39.2 $40.7 $40.1 $7.3 $7.8 $7.6 $3.0 $2.1 $2.4 1.39% 1.20% 1.18% 2Q25 1Q26 2Q26 (1) Other deposits represent non-customer balances primarily consisting of wholesale funding (for example, Eurodollar trade deposits, selected deposits and brokered time deposits). (2) IB deposit costs were 1.69%, 1.72%, and 1.99% in 2Q26, 1Q26, and 2Q25, respectively. Average Deposits by Segment ($ in billions) Deposits Disciplined deposit growth supported by a strong franchise Wealth Mgt Other(1) Consumer Bank Corporate Bank Ending Deposits by Segment ($ in billions) Total Deposit Costs(2)

 

5 2Q NII and NIM Drivers NII increased 2% QoQ; NIM decreased 1bp to 3.66% • Strong, broad-based loan growth • New production fixed-rate asset yields continue to benefit from elevated long-term interest rates ▪ Securities repositioning completed at the beginning of 2Q • Disciplined deposit and funding cost management ▪ 2Q interest-bearing deposit cost(3) -3bps QoQ ▪ 2Q cycle-to-date interest-bearing beta(4) = 37% • While loan growth and day-count support NII expansion, they negatively impact NIM $1,248 $1,277 NII & Margin Performance Well protected margin with NII growth from balance sheet repricing and expansion $1,271 $1,261 $1,291 3.65% 3.67% 3.66% 2Q25 1Q26 2Q26 NII NIM FTE NII and NIM ($ in millions) (1) Fixed rate asset turnover includes the benefits of loan and securities production at higher market rates than maturities. (2) Other mostly from small offsetting items including loan/lease accrual adjustments, negative credit interest reversals, the mid-quarter debt issuance cost, and other miscellaneous items. (3) Measuring quarterly average costs from 1Q26 to 2Q26. (4) Using a starting point of 3Q24 interest-bearing deposit costs and peak Fed Funds of 5.50%. Ad ju st ed NII Attribution ($ in millions) 1Q26 Loan Balances Deposit Cost/Mix Fixed Asset Turnover(1) Securities Reposition Days Other(2) 2Q26 NII +$7M +$7M +$6M +$5M +$6M -$2M +$29M NIM -4bps +2bps +2bps +1bp -2bps — -1bp

 

6 • Higher long-term interest rates / steeper yield curve (10-year above 4.75%); widening asset spreads • Accelerating loan and/or deposit balance growth • Interest-bearing deposit costs outperform mid-30%s beta; 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 • 3Q26 NII expected to increase ~2% vs 2Q26, from balance sheet growth, fixed-rate asset turnover, hedging rate increase, and day count • 3Q26 NIM expected to be stable to modestly higher vs 2Q26, exiting the year at approximately 3.70% • Lower long-term interest rates / flatter yield curve (10-year below 4.00%); tightening asset spreads • Declining loan and/or deposit balances • Interest-bearing deposit costs underperform mid-30%s beta; 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. (2) Importantly, "neutral" position to short-term market rate movements reduces the importance of near-term FOMC decisions on NII performance. +4% +2.5% Current Outlook Upper End Lower End • Mostly stable yield curve: range-bound long-term rates (10-year 4.00% to 4.75%)(2) • 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 Continuation of long-term growth trajectory after post-pandemic normalization

 

7 $646 $625 $670 2Q25 1Q26 2Q26 ($ in millions) Change vs 2Q26 1Q26 2Q25 Service Charges – Consumer(2) $100 4.2% 11.1% Service Charges – Corporate(3) $66 —% 10.0% Wealth Management Income 150 6.4% 12.8% Card and ATM Fees 126 7.7% 0.8% Capital Markets (Ex CVA/DVA) 86 3.6% 1.2% Mortgage Income 33 3.1% (31.3)% Other 35 (2.8)% (7.9)% 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. $646 $625 $630 2Q25 1Q26 2Q26 Non-Interest Income ($ in millions) Adj. Non-Interest Income(1) ($ in millions) QoQ Highlights & Outlook • NIR increased 1% on a reported basis and 7% on an adjusted(1) basis • Wealth Management income increased 6% and delivered another record quarter (5th in the last 6 quarters), reflecting strong production and favorable market conditions • Card and ATM fees increased 8%, driven by seasonally higher transaction volumes • Capital Markets (Ex CVA) increased 4%, driven by improvements in loan syndications, M&A advisory fees, and real estate capital markets, partially offset by lower commercial swap income; Expect quarterly revenue in the $90 – $105M range, trending toward the lower end in 3Q amid market volatility and elevated rates, with momentum building thereafter • Continue to expect FY26 adjusted non-interest income to grow 3 – 5% vs FY25(4); Based on 1H26 performance, expect to trend toward lower end of the range

 

8 QoQ Highlights & Outlook • NIE increased 5% on a reported basis and 4% on an adjusted(1) basis • Salaries & benefits increased 6%, reflecting higher revenue-based incentives, a full quarter of merit, one additional day in the quarter, and elevated market value adjustments for supplemental employee benefit liabilities • FDIC insurance assessments decreased 11%, driven by the unsecured debt adjustment (UDA) associated with the company's debt issuance during the quarter • Maintaining disciplined expense management while continuing to invest across the franchise • Continue to expect FY26 adjusted NIE (inclusive of investments) to be up 1.5 – 3.5% vs FY25; Anticipate generating FY adj. positive operating leverage(3) $1,073 $1,068 $1,121 56.0% 56.6% 58.3% Non-interest expense Efficiency ratio 2Q25 1Q26 2Q26 $1,073 $1,068 $1,116 56.0% 56.6% 56.9% Adjusted non-interest expense Adjusted efficiency ratio 2Q25 1Q26 2Q26 Non-Interest Expense (1) (1) Non-Interest Expense ($ 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.

 

9 QoQ Highlights & Outlook • 2Q annualized NCOs decreased 12bps to 42bps, reflecting continued progress on resolutions within previously identified portfolios of interest reserved for in prior periods • Business services criticized and total NPLs declined during the quarter; NPL ratio declined 4bps to 67bps, while the business services criticized ratio declined 14bps to 5.01% of business loans • Provision of $68M; ACL declined $34M as continued progress resolving previously identified credits offset reserve builds related to high-quality loan growth; ACL ratio down 5bps to 1.63%, while coverage of NPLs remains solid at 241% • Continue to expect FY26 NCOs to be between 40 - 50bps Asset Quality Credit performance improving; metrics tracking favorably $1,743 $1,647 $1,613 1.80% 1.68% 1.63% 225% 238% 241% ACL ACL/Loans ACL/NPLs 2Q25 1Q26 2Q26 $113 $130 $102 0.47% 0.54% 0.42% NCOs NCOs Ratio 2Q25 1Q26 2Q26 $776 $692 $668 0.80% 0.71% 0.67% NPLs - excluding LHFS NPL/Loans 2Q25 1Q26 2Q26 (1) $ in Millions. Net Charge-Offs(1) Allowance for Credit Losses (ACL)(1) Non-Performing Loans (NPLs)(1)

 

10 QoQ Highlights & Outlook • Declared 2Q common dividends of $226M and executed $59M in share repurchases; Board approved a dividend of $0.30 per share, a 13% increase over the prior quarter; SCB remains floored at 2.5% • Dividend payout target of 40-50% of earnings • 2Q CET1 (inclusive of AOCI) was 9.5%(1)(6); In near- term, expect to continue managing around the mid- point of our 9.25 – 9.75% operating range(4) • Common book value per share of $20.48 and tangible common book value per share(4) of $13.78, increases of 6% and 7%, respectively YoY • Total Liquidity Sources well above required levels as informed by internal liquidity stress testing • Including capacity at the discount window, liquidity to uninsured deposits ratio is ~181%(5) 10.8% 10.7% 10.7% 2Q25 1Q26 2Q26 Capital and Liquidity Managing capital flexibility to support growth and shareholder returns 11.9% 11.8% 11.8% 2Q25 1Q26 2Q26 Tier 1 Capital Ratio(1) Common Equity Tier 1 Ratio(1) Position ($B) as of 2Q25 1Q26 2Q26 Cash at the Federal Reserve(2) $ 7.8 $ 7.6 $ 6.5 Unencumbered Investment Securities(3) 25.3 25.6 26.3 Federal Home Loan Bank Availability 11.0 10.7 9.8 Discount Window Availability 20.6 24.0 25.9 Total $ 64.7 $ 67.9 $ 68.5 (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

 

11 Common Equity Tier 1 10.9% 10.9% 10.7% 10.7% 9.6% 9.7% 9.4% 9.5% Reported CET1 Ratio Adjusted CET1 Inclusive of AOCI Operating Range 3Q25 4Q25 1Q26 2Q26 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 • 2Q CET1 adjusted to include AOCI is estimated to be 9.5%(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

 

12 Expectations for 3Q26 & FY26 • 3Q26 NII to increase ~2% vs 2Q26(3) • 3Q26 NIM expected to be stable to modestly higher vs 2Q26, exiting the year at approximately 3.70%(3) • Expect Capital Markets quarterly revenue in the $90 – $105M range, trending toward the lower end in 3Q26, 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 4-4.75%); "Neutral" position to short-term market rate movements reduces the importance of near-term FOMC decisions on NII performance. 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) (Expect to be toward lower end) 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%

 

Appendix

 

14 (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 in 2025 vs 2024. (5)JD Power 2020-2022, and 2024-2026 (tied in 2026) U.S. Banking Online Satisfaction Studies; among banks with $60B to $199B in deposits and 200+ branches, which measures customer satisfaction with financial institutions’ website experience for banking account management. Visit jdpower.com/ awards for more details 2.59 2.71 2.73 2Q24 2Q25 2Q26 4.74 5.22 6.81 2Q24 2Q25 2Q26 183 194 211 2Q24 2Q25 2Q26 23% 24% 25% 32% 32% 33% 45% 44% 42% Mobile ATM Branch 2Q24 2Q25 2Q26 75% 78% 80% 25% 22% 20% 2Q24 2Q25 2Q26 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 +44%+19% 19% 25% 28% 80% 73% 71% 1% 2% 1% Digital Branch Contact Center 2Q24 2Q25 2Q26 Consumer Checking Account Acquisitions by Channel(4) Customer Satisfaction Zelle Transactions (Millions) TransactionsDigital Usage +6% Mobile App Online Banking(5) #1 in Customer Satisfaction for Regional Bank Websites for six of the last seven years and #2 in Customer Satisfaction with Mobile Banking Apps among Regional Banks Average 4.9 out of 5 rating from iOS app store users New Native Mobile App launched. Customer feedback is strong, and usage of key functionality like Zelle and chat at all time highs, with customer chat volume up 70% YoY

 

15 • Maintained competitive deposit rates driving balance growth of 1% YoY while preserving our industry leading deposit costs of 82bps YTD • Small Business performance continues to grow; Net checking increased 83 bps YTD; Lending production up 47% YoY; new merchant partnership 4% increase in referrals YoY • Home equity production up 9% YoY with improved utilization; investments in home equity capabilities have improved pull through by 500 bps • Mass Affluent households have increased 8% YoY while increasing mass affluent market share • 16% increase in Mortgage production driven by improved market conditions and incremental campaigns to support launch of ARC tool • AI branch coaching tool in pilot with over 2,500 practice simulations • JD Power(2) ranked Regions Bank #1 in customer satisfaction among regional bank online experiences 6 of the last 7 years • Grew average loan balances 6% YoY in 2Q26, with commitments up 7% YoY, reflecting momentum in our local, expertise-driven relationship model • Successfully implemented a new commercial lending platform, enabling real-time processing, operational efficiencies, and mobile-enabled tools that streamline loan origination and servicing activities • Expanded capital markets, municipal finance, and investment banking capabilities through the acquisition of Frazer Lanier, enhancing offerings for public, corporate, and institutional clients • Delivered 37% growth in new commercial logos year- to-date • TM customer penetration of 66.2%, up 40bps YoY; YoY growth in TM relationship of 7% • Strong client relationships supporting liquidity growth, with total client liquidity flat QoQ and up 6% vs Jun ’25 • Ongoing investment in experienced, revenue-producing talent to support growth, with 65 client-facing roles hired since beginning of 2025 Investments in Our Businesses Investments in talent, technology and strategic acquisitions continue to pay off Corporate Consumer • Record Quarter NIR, up 13% YoY, from continued strength in Investment Management & Trust Fees, up 8% YoY, and Investment Services Fee Income, up 23% YoY • 2Q26 average Loan balances up 8% YoY • 2Q26 average Deposits balances up 4% YoY • Over the last 3 years, new advisors have driven ~$6B in client assets growth • Private Wealth Management earned two top industry awards for Best Trust Services by a Private Bank and Best Wealth Planning Execution • Launched the Regions Charitable Fund, a Donor- Advised Funds solution aimed at deepening PWM client relationships • Enhanced client engagement and brand awareness through targeted market campaigns, educational content, and expanded media presence, generating strong digital engagement • Accelerated technology and operational modernization initiatives to improve advisor productivity, client experience, and risk management Wealth (1) Represents Insights driven Projected Revenue Won/Closed as % of Opportunities Won/Closed since Sept 2024 (2) JD Power 2020-2022, and 2024-2026 (tied in 2026) U.S. Banking Online Satisfaction Studies; among banks with $60B to $199B in deposits and 200+ branches, which measures customer satisfaction with financial institutions’ website experience for banking account management. Visit jdpower.com/awards for more details

 

16 2026 2027 2028 2029 2030 2031 2032 $23.2B $23.2B $21.9B $18.7B $17.5B $11.7B $4.5B $4.2B $4.2B $4.3B $4.4B $4.9B $5.2B $3.5B $19.0B $19.0B $17.6B $14.3B $12.6B $6.5B $1.0B (Q ua rt er ly A vg ) Asset Hedge Notional 3.10% 3.21% 3.39% 3.57% 3.57% 3.59% 3.65% 3.59% 3.58% 3.58% 3.60% 3.64% 3.65% 3.73% (A nn ua l A vg ) 2Q26 3Q26 4Q26 1Q27 Receive-Fixed, Cash Flow Swaps - Loans $23.5B $23.3B $23.5B $23.4B Pay-Fixed, Fair Value Swaps - AFS Securities $4.2B $4.2B $4.2B $4.2B Net Asset Swap Position(1) $19.3B $19.1B $19.3B $19.2B Cash Flow Swap Receive Rate(3) 3.06% 3.13% 3.16% 3.20% AFS Fair Value Swap Pay Rate(3) 3.58% 3.58% 3.58% 3.58% $2.0B $2.0B $1.7B $1.0B $0.3B $0.3B $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) Legacy collars have weighted avg. floor of 1.86%, weighted avg. cap of 6.22%. Collars executed in 2026 have weighted avg. floor of 3.30%, weighted avg. cap of 4.75%. Collars use short interest rate caps to pay for long interest rate floors; weighted avg. floor of 2.34%, weighted avg. cap of 5.73%. (3) Floating rate leg of swaps vs overnight SOFR. 2Q26 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 6 /3 0/ 20 26 Short-term rate protection in future periods • Added $1.5B in forward-starting, receive-fixed swaps (3.7%), with a weighted average start date in 2028 and a weighted average maturity date in 2031 • Added $1B in forward-starting collars (3.30% floor and 4.75% cap), with a weighted average start date in 2028 and weighted average maturity in 2030 2Q26 Cash Flow Hedging Focused on Reducing NIM Volatility Medium and long-term rate sensitivity hedges (fixed asset turnover) • Added $0.25B in forward-starting (November 2026), 5Y receive-fixed swaps (3.8%) • Terminated $1.5B of 2Q26 fixed rate loan production hedges

 

17 • Reinvestment of paydowns/maturities accretive to portfolio yield by ~1.65% (excluding repositioning activity) • Sold ~$900M short-duration Agency/Govt bullet-like securities at a $40M pre- tax loss, reinvesting into longer-duration Agency CMBS and MBS at 2.5% higher yields (Previously disclosed with Q1 2026 Earnings) ◦ Represents normal duration management, adding downside rate protection • Portfolio constructed to protect against changes in market rates ◦ Duration of ~3.9 years (AFS ~3.5 years) as of 6/30/2026; 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 ◦ ~$400M high quality, investment grade corporate bond portfolio is short-dated (<3.0 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 • 84% classified as Available-for-Sale; 16% Held-to-Maturity Agency/UST 8% Agency MBS 70% Agency CMBS 21% Corporate Bonds 1% Securities Portfolio Provides downside rate protection/liquidity Securities Portfolio Composition(1) $32.7B Securities AOCI Burn Down and Impact to CET1(2) AO CI L os s ( $M ) Cum ulative CET1 Im pact 581 530 427 325 609 567 483 398 $1,190 $1,097 $910 $723 —% 0.07% 0.22% 0.37% AFS HTM CET1 Impact 6/30/2026 YE 2026 YE 2027 YE 2028 $— $250 $500 $750 $1,000 $1,250 $1,5002Q26 Activity AFS, 84% HTM, 16% (1) Includes AFS securities, the $779M unrealized AFS loss, and HTM securities as of 6/30/2026. (2) Estimated Tax-Adjusted AOCI, current portfolio, market forward interest rates, and Risk Weighted Assets as of 6/30/2026 $32.7B

 

18 (1.1)% (0.6)% Peer Median RF • Organic capital generation provides a strong defense against potential losses • PPNR as a % of average assets ranked highest among peers(3) • Hedge program intended to protect NIM against falling interest rates has been highly effective 2026 CCAR Capital Degradation(1) Earnings Stability Capital Resiliency (1) CET1 degradation results from the Federal Reserve's modeled results for the Severely Adverse Scenario in 2026 Stress Test. (2) Post-Stress Capital calculated using 4Q25 reported CET1 and the Federal Reserve's modeled capital degradation in 2026 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 2026 Stress Test. Peers include CCAR participants: TFC, CFG, FITB, HBAN, KEY, MTB, USB, and PNC . Source: 2026 Federal Reserve Stress Test Results - June 2026 10.6% 10.8% 10.4% 10.8% 10.8% 10.8% 11.8% 10.9% 10.6% 8.6% 9.2% 9.3% 9.7% 9.7% 9.8% 9.9% 10.3% 10.3% 2.0% 1.6% 1.1% 1.1% 1.1% 1.0% 1.9% 0.6% 0.3% Post-Stress CET1 CCAR 2026 Degradation Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 RF Peer 8 67.4% 72.0% 79.6% 81.4% 83.7% 87.6% 98.4% 101.5% 109.4% Peer 1 Peer 7 Peer 2 Peer 5 Peer 4 Peer 3 Peer 6 RF Peer 8 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

 

19 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

 

20 0.67% —% 0.50% 1.00% 1.50% 2.00% 2.50% 0.42% —% 0.50% 1.00% 1.50% 2.00% Historical Credit Profile Non-Performing Loans Total Net Charge-Offs 1Q20 2Q264Q221Q20 4Q22 2Q26 Average Pre-Pandemic 0.46% Average Pandemic 0.35% Average Pre-Pandemic 1.07% Average Pandemic 0.64% 1Q13 1Q13 Details regarding portfolio changes and continuous improvements in risk management over time are provided on slide 20.

 

21 0.56% —% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 0.35% —% 0.50% 1.00% Consumer Net Charge-Offs(2) Commercial Net Charge-Offs(1) 1Q20 2Q26 4Q22 1Q20 4Q22 2Q26 (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

 

22 Commercial Real Estate (Outstanding balances as of June 30, 2026) Highly Diversified Portfolio (IRE including Unsecured CRE) (1) Excludes $5.4B of Owner-occupied CRE whose source of repayment are individual businesses, and whose credit performance resembles Commercial during periods of stress. (2) Based off 03/31/2026 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". Residential Land 0.5% Res. Homebuilders 7.4% Other 4.1% Hotel 4.6% Healthcare 8.2% Retail 7.6% Business Office 5.1% Self Storage 1.8% Data Center 4.0%Diversified 7.9% Industrial 13.3% Medical Office Building 3.5% Commercial Land 0.3% Apartments 31.7% $16.9B $ in billions % of Total Loans Unsecured CRE (incl. REITs) $ 6.9 7.0 % IRE 10.0 10.0 % Total(1) $ 16.9 17.0 % Yearly Loan Maturities 1% 16% 34% 26% 13% 6% 4% Multi-Family Office Other Real Estate Total Real Estate Matured 2026 2027 2028 2029 2030 >5years $— $1,000 $2,000 $3,000 Data Center 13% Diversified 7% Apartments 7% Hotel 12% Industrial 25% Other 5% Healthcare 7% Self Storage 6% 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): 108% and Construction, Land, and Acq. & Dev. to Risk Based Capital: 16% are well below supervisory limits (300%/100%)

 

23 CRE- Office Portfolio (Outstanding balances as of June 30, 2026) (1) $ in Millions. Amounts include IRE and CRE Unsecured loans but exclude Held For Sale loans. Metrics represent 6/30/2026 results except for charge-offs, which reflects results for the 6 months ended June 30, 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 July 7, 2026; applied the "Recent Peak" discount to properties where the latest appraisal is >1 year (34% 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 = 99% / unsecured = 1% • IRE WA LTV 64% (based on appraisal at origination or most recent received); Stressed IRE WA LTV 85% using GreenStreet(2) • 62% 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 • $512M or approximately 60% of total Office balances will mature in the next 12 months(3) Key Portfolio Metrics(1) Balances $858 % of Total Loans 0.9% NPL $121 NPL / Loans 14.1% Charge-offs $1 Charge-offs / Loans 0.1% ACL $35 ACL / Loans 4.1% Ongoing Portfolio Surveillance 45% 55% Multi-Tenant Single Tenant 85% 15% Class A Class B Investor Real Estate Office Portfolio Overview 79% 21% Suburban Urban ACL Rates Single Tenant Multi Tenant Miscellaneous(4) 2.4% 7.8% 2.9%

 

24 Transportation - Trucking (Outstanding balances as of June 30, 2026) (1) $ in Millions. Metrics represent 6/30/2026 results except for charge-offs, which reflects results for the 6 months ended June 30, 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 $1,076 % of Total Loans 1.1% NPL $45 NPL / Loans 4.1% Charge-offs $29 Charge-offs / Loans 5.2% ACL $83 ACL / Loans 7.8% • The current Trucking market is being driven by carrier exits, driver shortages, regulatory pressures, and reduced equipment investment, which is resulting in higher spot rates and improving carrier profitability • Trucking capacity has meaningfully exited the market due to prolonged low rates and regulatory pressures, shifting pricing power back to carriers • While the freight cycle has improved and spot-market fundamentals are strong, the industry remains vulnerable to economic turmoil and slowdowns • New originations in the sector continue to be curtailed and those that are being considered are typically secured or targeted towards larger companies • Trucking balances have declined 25% year-over-year, and asset quality has continued to improve Ongoing Portfolio Surveillance

 

25 Consumer Lending Portfolio • Avg. origination FICO 757 • Current LTV 53% • 99% owner occupied • 2Q26 QTD NCO —% • Avg. origination FICO 762 • Current LTV 39% • 56% of portfolio is 1st lien • Avg. loan size $36,067 • $114M to convert to amortizing or balloon during 2026 • 2Q26 QTD NCO (0.04%) • Avg. origination FICO 781 • Avg. new loan $10,689 • 2Q26 Yield 7.89% • 2Q26 QTD NCO 1.34% • • Avg. origination FICO 772 • Avg. new line $9,441 • 2Q26 Yield 13.69% • 2Q26 QTD NCO 4.28% 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 06/30/2026. 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)

 

26 $3,051 $1,678 $5,397 $1,603 $756 (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. 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 • ~75% Investment Grade 6/30/2026(1) $12.5B 12.6% 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

 

27 QoQ Highlights • 2Q allowance decreased $34M compared to the prior quarter, resulting in a $68M provision expense. The decrease in the ACL and an increase in loan balances resulted in a reduction in the ACL % from 1.68% to 1.63% • The change in ACL resulted from: ◦ Portfolio net increase driven primarily by high quality loan growth and generally stable credit quality. Some increase due to enhanced models offset by reduction in qualitative. ◦ Economic/Qualitative net decrease driven primarily by offset for enhanced models and overall less uncertainty compared to prior quarter ◦ Decreases in Specific Reserve borrowers driven by charge-offs $1,647 $18 $(12) $(40) $1,613 Allowance for Credit Losses 06/30/2026 ($ in millions) 03/31/2026 Economic/ Qualitative Changes Specific Reserve Changes Portfolio Changes

 

28 Pre-R&S period 2Q2026 3Q2026 4Q2026 1Q2027 2Q2027 3Q2027 4Q2027 1Q2028 2Q2028 Real GDP, annualized % change 1.9 % 1.8 % 2.4 % 2.7 % 2.7 % 2.6 % 2.3 % 2.3 % 2.2 % Unemployment rate 4.3 % 4.3 % 4.3 % 4.3 % 4.2 % 4.2 % 4.1 % 4.0 % 4.0 % HPI, year-over-year % change 0.0 % (0.4) % (0.5) % 0.0 % 0.7 % 1.4 % 1.8 % 2.0 % 2.1 % CPI, year-over-year % change 3.9 % 3.7 % 3.7 % 3.4 % 2.3 % 2.3 % 2.2 % 2.2 % 2.3 % Base R&S Economic Outlook (As of June 2026) • A single, base economic forecast represents Regions’ internal outlook for the economy as of 2Q26 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

 

29 As of 6/30/2026 Day 1 Ratios (in millions) Loan Balance ACL ACL/Loans Actual Proforma C&I $49,072 $562 1.15 % CRE-OO mortgage 5,127 109 2.12 % CRE-OO construction 267 7 2.54 % Total commercial $54,466 $678 1.24 % 1.33 % 1.32 % IRE mortgage 7,896 96 1.22 % IRE construction 2,073 29 1.39 % Total IRE $9,969 $125 1.25 % 1.06 % 1.06 % Residential first mortgage 19,498 120 0.61 % Home equity lines 3,241 109 3.37 % Home equity loans 2,263 30 1.31 % Consumer credit card 1,498 122 8.19 % Other consumer 821 49 5.92 % Total consumer $27,321 $430 1.57 % 1.73 % 1.45 % Sold/Acquired Portfolios(1) $7,444 $380 5.11 % 5.92 % 5.11 % Total $99,200 $1,613 1.63 % 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 2Q26 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.

 

30 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

 

31 As of and for Quarter Ended ($ amounts in millions, except per share data) 6/30/2026 3/31/2026 12/31/2025 9/30/2025 6/30/2025 TANGIBLE COMMON RATIOS Shareholders’ equity (GAAP) A $ 18,840 $ 18,779 $ 19,043 $ 19,049 $ 18,666 Less: Preferred stock (GAAP) 1,369 1,369 1,369 1,369 1,369 Common shareholders' equity (GAAP) B 17,471 17,410 17,674 17,680 17,297 Less: Intangible assets (GAAP) 5,859 5,866 5,873 5,879 5,886 Deferred tax liability related to intangibles (GAAP) (143) (141) (138) (133) (130) Tangible common shareholders’ equity (non-GAAP) C $ 11,755 $ 11,685 $ 11,939 $ 11,934 $ 11,541 Total assets (GAAP) D $ 161,299 $ 160,741 $ 158,814 $ 159,940 $ 159,206 Less: Intangible assets (GAAP) 5,859 5,866 5,873 5,879 5,886 Deferred tax liability related to intangibles (GAAP) (143) (141) (138) (133) (130) Tangible assets (non-GAAP) E $ 155,583 $ 155,016 $ 153,079 $ 154,194 $ 153,450 Shares outstanding—end of quarter F 853 854 868 885 894 Total equity to total assets (GAAP) A/D 11.68 % 11.68 % 11.99 % 11.91 % 11.72 % Tangible common shareholders’ equity to tangible assets (non-GAAP) C/E 7.55 % 7.54 % 7.80 % 7.74 % 7.52 % Common book value per share (GAAP) B/F $ 20.48 $ 20.39 $ 20.36 $ 19.98 $ 19.35 Tangible common book value per share (non-GAAP) C/F $ 13.78 $ 13.69 $ 13.75 $ 13.49 $ 12.91 Non-GAAP Reconciliation Tangible Common Ratios

 

32 Non-GAAP Reconciliation Net Income Available to Common Shareholders, Adjusted Diluted EPS, and Return Ratios NM - Not Meaningful Quarter Ended ($ amounts in millions) 6/30/2026 3/31/2026 12/31/2025 9/30/2025 6/30/2025 2Q26 vs. 1Q26 2Q26 vs. 2Q25 Net income available to common shareholders (GAAP) A $ 549 $ 539 $ 514 $ 548 $ 534 $ 10 1.9 % $ 15 2.8 % Adjustments: Securities (gains) losses, net 40 — — 25 — 40 NM 40 NM FDIC insurance special assessment — — (14) (3) (1) — NM 1 100.0 % Salaries and employee benefits—severance charges — — — — 1 — NM (1) (100.0) % Branch consolidation, property and equipment charges 5 — — (5) — 5 NM 5 NM Preferred stock redemption expense — — — — 4 — NM (4) (100.0) % Total adjustments 45 — (14) 17 4 $ 45 NM $ 41 NM Tax impact of adjusted items (11) — 4 (4) — (11) NM (11) NM Adjusted net income available to common shareholders (non-GAAP) B $ 583 $ 539 $ 504 $ 561 $ 538 $ 44 8.2 % $ 45 8.4 % Weighted-average diluted shares C 857 868 880 894 900 Diluted EPS (GAAP) A/C $ 0.64 $ 0.62 $ 0.58 $ 0.61 $ 0.59 $ 0.02 3.2 % $ 0.05 8.5 % Adjusted diluted EPS (non-GAAP) B/C 0.68 0.62 0.57 0.63 0.60 $ 0.06 9.7 % $ 0.08 13.3 % Average shareholders' equity (GAAP) 18,676 19,077 18,986 18,688 18,350 (401) (2.1) % 326 1.8 % Less: Average preferred stock (GAAP) 1,369 1,369 1,369 1,369 1,513 — — % (144) (9.5) % Average common shareholders' equity (GAAP) D 17,307 17,708 17,617 17,319 16,837 (401) (2.3) % 470 2.8 % Less: Average intangible assets (GAAP) 5,863 5,869 5,876 5,883 5,891 (6) (0.1) % (28) (0.5) % Average deferred tax liability related to intangibles (GAAP) (141) (138) (135) (131) (127) (3) (2.2) % (14) (11.0) % Average tangible common shareholders' equity (non-GAAP) E $ 11,585 $ 11,977 $ 11,876 $ 11,567 $ 11,073 (392) (3.3) % 512 4.6 % Return on average common shareholders' equity (GAAP) A/D 12.73 % 12.35 % 11.58 % 12.56 % 12.72 % Return on average tangible common shareholders' equity (non-GAAP) A/E 19.01 % 18.26 % 17.17 % 18.81 % 19.34 % Adjusted return on average tangible common shareholders' equity (non-GAAP) B/E 20.18 % 18.26 % 16.84 % 19.24 % 19.48 %

 

33 Non-GAAP Reconciliation Pre-Tax Pre-Provision Income (PPI) Quarter Ended ($ amounts in millions) 6/30/2026 3/31/2026 12/31/2025 9/30/2025 6/30/2025 2Q26 vs. 1Q26 2Q26 vs. 2Q25 Net income available to common shareholders (GAAP) $ 549 $ 539 $ 514 $ 548 $ 534 $ 10 1.9 % $ 15 2.8 % Preferred dividends and other (GAAP) 21 20 20 21 29 1 5.0 % (8) (27.6) % Income tax expense (GAAP) 148 155 174 139 143 (7) (4.5) % 5 3.5 % Income before income taxes (GAAP) 718 714 708 708 706 4 0.6 % 12 1.7 % Provision for credit losses (GAAP) 68 91 115 105 126 (23) (25.3) % (58) (46.0) % Pre-tax pre-provision income (non-GAAP) 786 805 823 813 832 (19) (2.4) % (46) (5.5) % Other adjustments: Securities (gains) losses, net 40 — — 25 — 40 NM 40 NM FDIC insurance special assessment — — (14) (3) (1) — NM 1 100.0 % Salaries and employee benefits—severance charges — — — — 1 — NM (1) (100.0) % Branch consolidation, property and equipment charges 5 — — (5) — 5 NM 5 NM Total other adjustments 45 — (14) 17 — 45 NM 45 NM Adjusted pre-tax pre-provision income (non-GAAP) $ 831 $ 805 $ 809 $ 830 $ 832 $ 26 3.2 % $ (1) (0.1) % NM - Not Meaningful

 

34 Non-GAAP Reconciliation NII, Non-Interest Income/Expense, and Efficiency Ratio NM - Not Meaningful Quarter Ended ($ amounts in millions) 6/30/2026 3/31/2026 12/31/2025 9/30/2025 6/30/2025 2Q26 vs. 1Q26 2Q26 vs. 2Q25 Non-interest expense (GAAP) A $ 1,121 $ 1,068 $ 1,098 $ 1,103 $ 1,073 $ 53 5.0 % $ 48 4.5 % Adjustments: FDIC insurance special assessment — — 14 3 1 — NM (1) (100.0) % Branch consolidation, property and equipment charges (5) — — 5 — (5) NM (5) NM Salary and employee benefits—severance charges — — — — (1) — NM 1 100.0 % Adjusted non-interest expense (non-GAAP) B $ 1,116 $ 1,068 $ 1,112 $ 1,111 $ 1,073 $ 48 4.5 % $ 43 4.0 % Net interest income (GAAP) C $ 1,277 $ 1,248 $ 1,281 $ 1,257 $ 1,259 $ 29 2.3 % $ 18 1.4 % Taxable-equivalent adjustment 14 13 13 12 12 1 7.7 % 2 16.7 % Net interest income, taxable-equivalent basis D $ 1,291 $ 1,261 $ 1,294 $ 1,269 $ 1,271 $ 30 2.4 % $ 20 1.6 % Non-interest income (GAAP) E 630 625 640 659 646 5 0.8 % (16) (2.5) % Adjustments: Securities (gains) losses, net 40 — — 25 — 40 NM 40 NM Adjusted non-interest income (non-GAAP) F $ 670 $ 625 $ 640 $ 684 $ 646 45 7.2 % $ 24 3.7 % Total revenue C+E=G $ 1,907 $ 1,873 $ 1,921 $ 1,916 $ 1,905 $ 34 1.8 % $ 2 0.1 % Adjusted total revenue (non-GAAP) C+F=H $ 1,947 $ 1,873 $ 1,921 $ 1,941 $ 1,905 $ 74 4.0 % $ 42 2.2 % Total revenue, taxable-equivalent basis D+E=I $ 1,921 $ 1,886 $ 1,934 $ 1,928 $ 1,917 $ 35 1.9 % $ 4 0.2 % Adjusted total revenue, taxable-equivalent basis (non-GAAP) D+F=J $ 1,961 $ 1,886 $ 1,934 $ 1,953 $ 1,917 $ 75 4.0 % $ 44 2.3 % Operating leverage ratio (GAAP) I-A (4.3) % Adjusted operating leverage ratio (non-GAAP) J-B (1.7) % Efficiency ratio (GAAP) A/I 58.3 % 56.6 % 56.8 % 57.2 % 56.0 % Adjusted efficiency ratio (non-GAAP) B/J 56.9 % 56.6 % 57.5 % 56.9 % 56.0 % Fee income ratio (GAAP) E/I 32.8 % 33.1 % 33.1 % 34.2 % 33.7 % Adjusted fee income ratio (non-GAAP) F/J 34.2 % 33.1 % 33.1 % 35.0 % 33.7 %

 

35 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

 

36 Quarter Ended ($ amounts in millions) 6/30/2026 3/31/2026 12/31/2025 9/30/2025 6/30/2025 CET1 RATIOS Common Equity Tier 1(1) A $ 13,692 $ 13,419 $ 13,490 $ 13,620 $ 13,533 Adjustments: AOCI gain (loss) on securities(2) (1,192) (1,172) (1,076) (1,241) (1,485) AOCI gain (loss) on defined benefit pension plans and other post employment benefits (384) (387) (391) (396) (401) Common Equity Tier 1 (inclusive of AOCI)(non-GAAP) B $ 12,116 $ 11,860 $ 12,023 $ 11,983 $ 11,647 Total risk-weighted assets(1) C $ 127,786 $ 125,682 $ 123,882 $ 125,386 $ 125,755 Common Equity Tier 1 ratio(1)(3) A/C 10.7 % 10.7 % 10.9 % 10.9 % 10.8 % Common Equity Tier 1 ratio (inclusive of AOCI)(non-GAAP)(1)(3) B/C 9.5 % 9.4 % 9.7 % 9.6 % 9.3 % 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.

 

37 Forward-Looking Statements This presentation, the related earnings release, and the accompanying earnings call 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

 

38 • 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 “Cautionary Note Regarding Forward-Looking Statements and Risk Factor Summary” 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)

 

 

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