# EDGAR Filing Document

**Accession Number:** 0001281761
**File Stem:** 0001281761-26-000006
**Filing Date:** 2026-1
**Character Count:** 286933
**Document Hash:** d26ddb315f9c7a0553da901ed0f540f7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001281761-26-000006.hdr.sgml**: 20260116

**ACCESSION NUMBER**: 0001281761-26-000006

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 57

**CONFORMED PERIOD OF REPORT**: 20260116

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260116

**DATE AS OF CHANGE**: 20260116

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** REGIONS FINANCIAL CORP
- **CENTRAL INDEX KEY:** 0001281761
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 630589368
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-34034
- **FILM NUMBER:** 26537562

**BUSINESS ADDRESS:**
- **STREET 1:** 1900 FIFTH AVENUE NORTH
- **CITY:** BIRMINGHAM
- **STATE:** AL
- **ZIP:** 35203
- **BUSINESS PHONE:** 800-734-4667

**MAIL ADDRESS:**
- **STREET 1:** 1900 FIFTH AVENUE NORTH
- **CITY:** BIRMINGHAM
- **STATE:** AL
- **ZIP:** 35203

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** NEW REGIONS FINANCIAL CORP
- **DATE OF NAME CHANGE:** 20040225

?xml version='1.0' encoding='ASCII'? rf-20260116

**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): January 16, 2026** 

**REGIONS FINANCIAL CORPORATION** 

**(Exact name of registrant as specified in its charter)**

---

| | | |
|:---|:---|:---|
| **Delaware** | **001-34034** | **63-0589368** |
| **(State or other jurisdiction of incorporation)** | **(Commission File Number)** | **(IRS Employer Identification No.)** |

---

**1900 Fifth Avenue North** 

**Birmingham, Alabama 35203** 

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

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

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

☐ Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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

---

| | | |
|:---|:---|:---|
| **Title of each class** | **Trading Symbol(s)** | **Name of each exchange on which registered** |
| **Common Stock, $.01 par value** | **RF** | **New York Stock Exchange** |
| **Depositary Shares, each representing a 1/40th Interest in a Share of** |  |  |
| **5.700% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series C** | **RF PRC** | **New York Stock Exchange** |
| **Depositary Shares, each representing a 1/40th Interest in a Share of** |  |  |
| **4.45% Non-Cumulative Perpetual Preferred Stock, Series E** | **RF PRE** | **New York Stock Exchange** |
| **Depositary Shares, each representing a 1/40th Interest in a Share of** |  |  |
| **Non-Cumulative Perpetual Preferred Stock, Series F** | **RF PRF** | **New York Stock Exchange** |

---

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

Emerging growth company ☐

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

------

**Item 2.02&nbsp;&nbsp;&nbsp;&nbsp;Results of Operations and Financial Condition.**

&nbsp;&nbsp;&nbsp;&nbsp;

On January 16, 2026, Regions Financial Corporation ("Regions") issued a press release announcing its preliminary results of operations for the quarter and year ended December 31, 2025. A copy of the press release is attached hereto as Exhibit 99.1. Supplemental financial information for the quarter and year ended December 31, 2025 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&nbsp;&nbsp;&nbsp;&nbsp;Regulation FD Disclosure.**

&nbsp;&nbsp;&nbsp;&nbsp;

On January 16, 2026, executives from Regions will review its preliminary results of operations for the quarter and year ended December 31, 2025, 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.

&nbsp;&nbsp;&nbsp;&nbsp;

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&nbsp;&nbsp;&nbsp;&nbsp;Financial Statements and Exhibits.**

(d) Exhibits.

---

| | |
|:---|:---|
| **Exhibit Number** | **Description of Exhibit** |
| 99.1 | <u>[Press Release](rf-20251231xexhibit991.htm)</u> dated January 16, 2026. |
| 99.2 | <u>[Supplemental Financial Information](rf-20251231xexhibitx992.htm)</u> for the Quarter and Year Ended December 31, 2025. |
| 99.3 | <u>[Visual Presentation](rf-20251231xexhibit993.htm)</u> of January 16, 2026. |
| 104 | Cover Page Interactive Data (embedded within the Inline XBRL document). |

---

------

**SIGNATURES**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| REGIONS FINANCIAL CORPORATION | REGIONS FINANCIAL CORPORATION |
| By: | /s/ Karin K. Allen |
| Name: | Karin K. Allen |
| Title: | Executive Vice President and Assistant Controller (Chief Accounting Officer and Authorized Officer) |

---

Date: January 16, 2026

## Exhibit 99.1

**Exhibit 99.1**

![rflogo.jpg](rflogo.jpg)

**Regions Reports Strong Earnings Growth in 2025,** 

**New Annual Records in Wealth Management and Treasury Management Income**

*$1.9 billion in total revenue reflects 6 percent year-over-year growth.*

**BIRMINGHAM, Ala. - (BUSINESS WIRE) - Jan. 16, 2026** - Regions Financial Corp. (NYSE:RF) today reported fourth quarter 2025 earnings of $514 million and diluted EPS of $0.58. For the full-year 2025, earnings were $2.1 billion and diluted EPS was $2.30. Adjusted full-year earnings were $2.1 billion, a 7 percent increase year-over-year, and adjusted EPS was $2.33, up 9 percent year-over-year.

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Financial Highlights** | **Financial Highlights** | **Financial Highlights** | **Financial Highlights** | **Financial Highlights** | **Soundness** |  |  |
|  | **Quarter Ended** | **Quarter Ended** | **Year Ended** | **Year Ended** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  |  |  |
| *($ amounts in millions, except per share data)* | 4Q25 | 3Q25 | 2025 | 2024 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  |  |  |
| **Earnings Summary** |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  |  |  |
| Net income | 534 | 569 | 2156 | 1893 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  |  |  |
| Net income available to common shareholders | 514 | 548 | 2061 | 1774 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  |  |  |
| Adj. net income avail. to common shareholders<sup>(1)</sup> | 504 | 561 | 2090 | 1952 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  |  |  |
| Diluted earnings per common share | 0.58 | 0.61 | 2.30 | 1.93 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  |  |  |
| Adj. diluted earnings per common share<sup>(1)</sup> | 0.57 | 0.63 | 2.33 | 2.13 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  | **Profitability** |  |
| **Balance Sheet Summary** |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 4Q25 NIM of 3.70%<br>• Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group<br>• Expenses remain well-controlled; supports self-funding of growth initiatives |  |
| Average loans | 95651 | 96647 | 96124 | 97036 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 4Q25 NIM of 3.70%<br>• Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group<br>• Expenses remain well-controlled; supports self-funding of growth initiatives |  |
| Average deposits | 129850 | 129575 | 129146 | 126615 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 4Q25 NIM of 3.70%<br>• Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group<br>• Expenses remain well-controlled; supports self-funding of growth initiatives |  |
| **Credit Quality** |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 4Q25 NIM of 3.70%<br>• Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group<br>• Expenses remain well-controlled; supports self-funding of growth initiatives |  |
| Allowance for credit losses ratio | 1.76% | 1.78% | 1.76% | 1.78% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 4Q25 NIM of 3.70%<br>• Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group<br>• Expenses remain well-controlled; supports self-funding of growth initiatives |  |
| Net charge-offs / average loans\* | 0.59 | 0.55 | 0.53 | 0.47 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 4Q25 NIM of 3.70%<br>• Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group<br>• Expenses remain well-controlled; supports self-funding of growth initiatives |  |
| **Selected Ratios** |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 4Q25 NIM of 3.70%<br>• Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group<br>• Expenses remain well-controlled; supports self-funding of growth initiatives |  |
| Return on average assets\* | 1.34% | 1.42% | 1.36% | 1.23% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 4Q25 NIM of 3.70%<br>• Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group<br>• Expenses remain well-controlled; supports self-funding of growth initiatives | **Growth** |
| Return on average common equity\* | 11.58 | 12.56 | 12.09 | 11.24 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 4Q25 NIM of 3.70%<br>• Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group<br>• Expenses remain well-controlled; supports self-funding of growth initiatives | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Continuing to grow accounts across consumer checking, small business and wealth management<br>• 2025 represents another annual record for Wealth Management and Treasury Management income; 2nd highest year for Capital Markets income<br>• Significant progress in hiring and reskilling of bankers to support growth initiatives  |
| Return on avg. tangible common equity\*<sup>(1)</sup> | 17.17 | 18.81 | 18.25 | 17.77 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 4Q25 NIM of 3.70%<br>• Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group<br>• Expenses remain well-controlled; supports self-funding of growth initiatives | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Continuing to grow accounts across consumer checking, small business and wealth management<br>• 2025 represents another annual record for Wealth Management and Treasury Management income; 2nd highest year for Capital Markets income<br>• Significant progress in hiring and reskilling of bankers to support growth initiatives  |
| Adj. return on avg. tangible common equity\*<sup>(1)</sup> | 16.84 | 19.24 | 18.51 | 19.55 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 4Q25 NIM of 3.70%<br>• Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group<br>• Expenses remain well-controlled; supports self-funding of growth initiatives | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Continuing to grow accounts across consumer checking, small business and wealth management<br>• 2025 represents another annual record for Wealth Management and Treasury Management income; 2nd highest year for Capital Markets income<br>• Significant progress in hiring and reskilling of bankers to support growth initiatives  |
| Net interest margin (FTE)\* | 3.70 | 3.59 | 3.61 | 3.54 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 4Q25 NIM of 3.70%<br>• Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group<br>• Expenses remain well-controlled; supports self-funding of growth initiatives | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Continuing to grow accounts across consumer checking, small business and wealth management<br>• 2025 represents another annual record for Wealth Management and Treasury Management income; 2nd highest year for Capital Markets income<br>• Significant progress in hiring and reskilling of bankers to support growth initiatives  |
| Efficiency ratio | 56.8 | 57.2 | 56.9 | 59.5 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 4Q25 NIM of 3.70%<br>• Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group<br>• Expenses remain well-controlled; supports self-funding of growth initiatives | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Continuing to grow accounts across consumer checking, small business and wealth management<br>• 2025 represents another annual record for Wealth Management and Treasury Management income; 2nd highest year for Capital Markets income<br>• Significant progress in hiring and reskilling of bankers to support growth initiatives  |
| Adjusted efficiency ratio<sup>(1)</sup> | 57.5 | 56.9 | 56.8 | 57.6 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 4Q25 NIM of 3.70%<br>• Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group<br>• Expenses remain well-controlled; supports self-funding of growth initiatives | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Continuing to grow accounts across consumer checking, small business and wealth management<br>• 2025 represents another annual record for Wealth Management and Treasury Management income; 2nd highest year for Capital Markets income<br>• Significant progress in hiring and reskilling of bankers to support growth initiatives  |
| Common equity Tier 1 ratio<sup>(2)</sup> | 10.8 | 10.9 | 10.8 | 10.9 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 4Q25 NIM of 3.70%<br>• Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group<br>• Expenses remain well-controlled; supports self-funding of growth initiatives | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Continuing to grow accounts across consumer checking, small business and wealth management<br>• 2025 represents another annual record for Wealth Management and Treasury Management income; 2nd highest year for Capital Markets income<br>• Significant progress in hiring and reskilling of bankers to support growth initiatives  |
| Common equity Tier 1 ratio (incl. AOCI)<sup>(1)(2)</sup> | 9.6 | 9.6 | 9.6 | 9.6 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 4Q25 NIM of 3.70%<br>• Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group<br>• Expenses remain well-controlled; supports self-funding of growth initiatives | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Continuing to grow accounts across consumer checking, small business and wealth management<br>• 2025 represents another annual record for Wealth Management and Treasury Management income; 2nd highest year for Capital Markets income<br>• Significant progress in hiring and reskilling of bankers to support growth initiatives  |
| Effective Tax Rate | 24.5 | 19.7 | 21.4 | 19.6 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 4Q25 NIM of 3.70%<br>• Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group<br>• Expenses remain well-controlled; supports self-funding of growth initiatives |  |
|  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br>• Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI<sup>(1)</sup>) supported by strong organic capital generation<br>• Business services criticized loans decreased 9% while NPL balances declined 8%; ACL/NPLs increased to 242%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 4Q25 NIM of 3.70%<br>• Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group<br>• Expenses remain well-controlled; supports self-funding of growth initiatives |  |
| \*Annualized<br>(1) Non-GAAP; refer to reconciliations in the financial supplement to this earnings release included as <u>[Exhibit 99.2](rf-20251231xexhibitx992.htm)</u> to the company's Current Report on Form 8-K that was furnished to the SEC on Jan. 16, 2026.(2) Current quarter is estimated | \*Annualized<br>(1) Non-GAAP; refer to reconciliations in the financial supplement to this earnings release included as <u>[Exhibit 99.2](rf-20251231xexhibitx992.htm)</u> to the company's Current Report on Form 8-K that was furnished to the SEC on Jan. 16, 2026.(2) Current quarter is estimated | \*Annualized<br>(1) Non-GAAP; refer to reconciliations in the financial supplement to this earnings release included as <u>[Exhibit 99.2](rf-20251231xexhibitx992.htm)</u> to the company's Current Report on Form 8-K that was furnished to the SEC on Jan. 16, 2026.(2) Current quarter is estimated | \*Annualized<br>(1) Non-GAAP; refer to reconciliations in the financial supplement to this earnings release included as <u>[Exhibit 99.2](rf-20251231xexhibitx992.htm)</u> to the company's Current Report on Form 8-K that was furnished to the SEC on Jan. 16, 2026.(2) Current quarter is estimated | \*Annualized<br>(1) Non-GAAP; refer to reconciliations in the financial supplement to this earnings release included as <u>[Exhibit 99.2](rf-20251231xexhibitx992.htm)</u> to the company's Current Report on Form 8-K that was furnished to the SEC on Jan. 16, 2026.(2) Current quarter is estimated |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 4Q25 NIM of 3.70%<br>• Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group<br>• Expenses remain well-controlled; supports self-funding of growth initiatives |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>• Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 4Q25 NIM of 3.70%<br>• Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group<br>• Expenses remain well-controlled; supports self-funding of growth initiatives |  |  |  |  |  |  |  |

---

---

| |
|:---|
| **John Turner, Chairman, President and CEO of Regions Financial Corp.** |
| *While operating in a competitive environment, and in many of the strongest markets in the country, our teams delivered solid growth in 2025 by attracting more clients across our lines of business and generating record-breaking results in Wealth Management and Treasury Management. We see improving underlying trends in the nation's economy, further supporting the momentum we've built and strengthening our foundation for solid performance in 2026. We're in a great capital position while modernizing and enhancing our technology. And we're extremely well positioned to continue growing with our markets and delivering strong returns for our shareholders.* |

---

------

---

| | |
|:---|:---|
| **Diluted earnings per common share - 4Q25** | |
| *($ amounts in millions, except per share data)* |  |
| Diluted earnings per common share (GAAP) - 4Q25 | $**0.58** |
| Adjusted diluted earnings per common share (non-GAAP) - 4Q25<sup>(1)</sup> | $**0.57** |
| **Additional selected items impacting 4Q25 earnings\*:** |  |
| Pre-tax additional selected items: |  |
| &nbsp;&nbsp;Salaries and employee benefits - severance charges  | $7 |
| &nbsp;&nbsp;Visa Class B litigation escrow funding | 5 |
| &nbsp;&nbsp;Non-qualified benefit plan settlement charge | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total pre-tax impact of additional selected items | $14 |
| After-tax additional selected items: |  |
| &nbsp;&nbsp;Increase in state income tax reserves  | $26 |
| Diluted earnings per share impact of additional selected items - 4Q25 \*\* | $**(0.04)** |
| &nbsp;&nbsp;\* Items impacting results or trends during the quarter, but are not considered non-GAAP adjustments. |  |
| &nbsp;&nbsp;&nbsp;\*\* Based on income taxes at an approximate 25% incremental rate. |  |

---

The additional selected items presented in the table above represent activities impacting the company's performance which are not included in its disclosed non-GAAP reconciliations. The $26 million of additional income tax expense was related primarily to an increase of state income tax reserves. This adjustment increased the company's effective tax rate by approximately 4 percent in the fourth quarter and 1 percent for the full year of 2025. The effective tax rate for full year 2026 is expected to return to the 20.5 to 21.5 percent range.

------

**<u>Total revenue</u>**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** |
| *($ amounts in millions)* | 12/31/2025 | 9/30/2025 | 12/31/2024 | 4Q25 vs. 3Q25 | 4Q25 vs. 3Q25 | 4Q25 vs. 4Q24 | 4Q25 vs. 4Q24 |
| **Net interest income** | $1281 | $1257 | $1230 | $24 | 1.9% | $51 | 4.1% |
| Taxable equivalent adjustment | 13 | 12 | 13 | 1 | 8.3 %% |  | — %% |
| Net interest income, taxable equivalent basis | $1294 | $1269 | $1243 | $25 | 2.0 %% | $51 | 4.1 %% |
| Net interest margin (FTE)\* | 3.70% | 3.59% | 3.55% |  |  |  |  |
| **Non-interest income:** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Service charges on deposit accounts | $163 | $160 | $155 | $3 | 1.9% | $8 | 5.2% |
| &nbsp;&nbsp;&nbsp;Card and ATM fees | 123 | 122 | 113 | 1 | 0.8% | 10 | 8.8% |
| &nbsp;&nbsp;&nbsp;Wealth management income | 143 | 139 | 126 | 4 | 2.9% | 17 | 13.5% |
| &nbsp;&nbsp;&nbsp;Capital markets income | 80 | 104 | 97 | (24) | (23.1)% | (17) | (17.5)% |
| &nbsp;&nbsp;&nbsp;Mortgage income | 32 | 38 | 35 | (6) | (15.8)% | (3) | (8.6)% |
| &nbsp;&nbsp;&nbsp;Commercial credit fee income | 30 | 28 | 28 | 2 | 7.1% | 2 | 7.1% |
| &nbsp;&nbsp;&nbsp;Bank-owned life insurance | 23 | 25 | 21 | (2) | (8.0)% | 2 | 9.5% |
| &nbsp;&nbsp;Market value adjustments on employee benefit assets\*\* | (5) | 12 | (5) | (17) | (141.7)% |  | — % |
| &nbsp;&nbsp;&nbsp;Securities gains (losses), net |  | (27) | (30) | 27 | 100.0% | 30 | 100.0% |
| &nbsp;&nbsp;&nbsp;Other miscellaneous income | 51 | 58 | 45 | (7) | (12.1)%% | 6 | 13.3 %% |
| **Non-interest income** | $640 | $659 | $585 | $(19) | (2.9)%% | $55 | 9.4 %% |
| **Adjusted non-interest income (non-GAAP)**<sup>(1)</sup> | $640 | $684 | $615 | $(44) | (6.4)%% | $25 | 4.1 %% |
| **Total revenue** | $1921 | $1916 | $1815 | $5 | 0.3 %% | $106 | 5.8 %% |
| **Adjusted total revenue (non-GAAP)**<sup>(1)</sup> | $1921 | $1941 | $1845 | $(20) | (1.0)%% | $76 | 4.1 %% |

---

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 remained relatively stable on both a reported and adjusted basis<sup>(1)</sup> compared to the third quarter of 2025. Net interest income increased 2 percent driven by new higher-yielding fixed-rate asset originations and reinvestments as well as other beneficial items related to earnings on assets held for employee benefits and credit-related interest recoveries. Although the federal funds rate was reduced in the quarter, deposit cost management and hedging benefits fully offset floating rate product resets. Total net interest margin was also positively impacted by lower cash balances contributing to an 11 basis point increase to 3.70 percent.

------

The company experienced strong fee income growth in 2025 with non-interest income increasing 12 percent on a reported basis and 5 percent on an adjusted basis<sup>(1)</sup> compared to 2024. After a particularly strong third quarter, non-interest income decreased 3 percent on a reported basis and 6 percent on an adjusted basis<sup>(1)</sup> during the fourth quarter. Service charges increased 2 percent due primarily to account openings and higher seasonal activity in the quarter. Wealth management income increased 3 percent and represented another record quarter, driven primarily by elevated sales activity and favorable market conditions. Card and ATM fees also increased 1 percent due to seasonally higher activity. The bank's Capital Markets division generated its second-highest level of full-year performance in 2025 despite a 23 percent decline in the fourth quarter attributable to lower loan syndication and securities underwriting activity, as well as postponed merger and acquisition advisory transactions. Additionally, commercial swap and real estate capital markets agency transaction volumes were further impacted by the temporary government shutdown. Market value adjustments on employee benefit assets also decreased $17 million during the quarter. Mortgage income declined 16 percent driven primarily by mortgage servicing rights valuation and net hedge performance. Other miscellaneous income also decreased during the quarter attributable primarily to the sale of certain low-income housing tax credit investments and small-business investment company income from the prior quarter that did not repeat.

------

**<u>Non-interest expense</u>**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** |
| *($ amounts in millions)* | 12/31/2025 | 9/30/2025 | 12/31/2024 | 4Q25 vs. 3Q25 | 4Q25 vs. 3Q25 | 4Q25 vs. 4Q24 | 4Q25 vs. 4Q24 |
| Salaries and employee benefits | $662 | $671 | $617 | $(9) | (1.3)% | $45 | 7.3% |
| Equipment and software expense | 112 | 106 | 104 | 6 | 5.7% | 8 | 7.7% |
| Net occupancy expense | 74 | 72 | 67 | 2 | 2.8% | 7 | 10.4% |
| Outside services | 45 | 42 | 42 | 3 | 7.1% | 3 | 7.1% |
| Marketing | 29 | 28 | 28 | 1 | 3.6% | 1 | 3.6% |
| Professional, legal and regulatory expenses | 30 | 30 | 20 |  | — % | 10 | 50.0% |
| Credit/checkcard expenses | 18 | 15 | 16 | 3 | 20.0% | 2 | 12.5% |
| FDIC insurance assessments | 3 | 15 | 20 | (12) | (80.0)% | (17) | (85.0)% |
| Visa class B shares expense | 8 | 8 | 6 |  | — % | 2 | 33.3% |
| Operational losses | 9 | 18 | 16 | (9) | (50.0)% | (7) | (43.8)% |
| Branch consolidation, property and equipment charges |  | (5) | 1 | 5 | 100.0% | (1) | (100.0)% |
| Other miscellaneous expenses | 108 | 103 | 101 | 5 | 4.9 %% | 7 | 6.9 %% |
| **Non-interest expense**  | $1098 | $1103 | $1038 | $(5) | (0.5)%% | $60 | 5.8 %% |
| **Adjusted non-interest expense (non-GAAP)**<sup>(1)</sup> | $1112 | $1111 | $1029 | $1 | 0.1 %% | $83 | 8.1 %% |

---

**<u>Salaries and Employee Benefits Expense</u>**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** |
| *($ amounts in millions)* | 12/31/2025 | 9/30/2025 | 12/31/2024 | 4Q25 vs. 3Q25 | 4Q25 vs. 3Q25 | 4Q25 vs. 4Q24 | 4Q25 vs. 4Q24 |
| Salaries and employee benefits | $662 | $671 | $617 | $(9) | (1.3)% | $45 | 7.3% |
| Less: Market value adjustments on 401(k) liabilities<sup>(\*)</sup> | 6 | 13 | (1) | (7) | (53.8)%% | 7 | NM |
| **Salaries and employee benefits less market value adjustments on employee benefit liabilities** | $656 | $658 | $618 | $(2) | (0.3)%% | $38 | 6.1 %% |

---

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.

Careful and successful expense management continued throughout the fourth quarter with non-interest expense remaining relatively stable on both a reported and adjusted basis<sup>(1)</sup> compared to the third quarter of 2025. Salaries and benefits decreased 1 percent, driven primarily by the offsetting decline in the market value adjustments related to employee benefit liabilities, as well as decreased revenue-based incentive compensation primarily within capital markets. FDIC insurance assessments decreased 80 percent attributable to an update by the FDIC of member banks' special insurance assessment. Partially offsetting these decreases, the company's ongoing investments were evident through increases in occupancy and equipment and software expenses. The company's fourth quarter efficiency ratio was 56.8 percent on a reported basis and 57.5 percent on an adjusted basis<sup>(1)</sup>.

------

**<u>Loans</u>**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** |
| *($ amounts in millions)* | 4Q25 | 3Q25 | 4Q24 | 4Q25 vs. 3Q25 | 4Q25 vs. 3Q25 | 4Q25 vs. 4Q24 | 4Q25 vs. 4Q24 |
| Commercial and industrial | $48769 | $49588 | $49357 | $(819) | (1.7)% | $(588) | (1.2)% |
| Commercial real estate—owner-occupied | 5126 | 5134 | 5212 | (8) | (0.2)% | (86) | (1.7)% |
| Investor real estate | 9116 | 9138 | 8656 | (22) | (0.2)%% | 460 | 5.3% |
| &nbsp;&nbsp;&nbsp;Business Lending | 63011 | 63860 | 63225 | (849) | (1.3)%% | (214) | (0.3)% |
| Residential first mortgage | 19822 | 19944 | 20107 | (122) | (0.6)% | (285) | (1.4)% |
| Home equity | 5546 | 5538 | 5527 | 8 | 0.1% | 19 | 0.3% |
| Consumer credit card | 1458 | 1420 | 1398 | 38 | 2.7% | 60 | 4.3% |
| Other consumer\* | 5814 | 5885 | 6151 | (71) | (1.2)%% | (337) | (5.5)% |
| &nbsp;&nbsp;&nbsp;Consumer Lending | 32640 | 32787 | 33183 | (147) | (0.4)%% | (543) | (1.6)% |
| &nbsp;&nbsp;&nbsp;Total Loans | $95651 | $96647 | $96408 | $(996) | (1.0)%% | $(757) | (0.8)% |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Ending Balances** | **Ending Balances** | **Ending Balances** | **Ending Balances** | **Ending Balances** | **Ending Balances** | **Ending Balances** |
| | | | | 12/31/2025 | 12/31/2025 | 12/31/2025 | 12/31/2025 |
| *($ amounts in millions)* | 12/31/2025 | 9/30/2025 | 12/31/2024 | vs. 9/30/2025 | vs. 9/30/2025 | vs. 12/31/2024 | vs. 12/31/2024 |
| Commercial and industrial | $48790 | $49234 | $49671 | $(444) | (0.9)% | $(881) | (1.8)% |
| Commercial real estate—owner-occupied | 5108 | 5120 | 5174 | (12) | (0.2)% | (66) | (1.3)% |
| Investor real estate | 9106 | 9070 | 8710 | 36 | 0.4 %% | 396 | 4.5% |
| &nbsp;&nbsp;&nbsp;Business Lending | 63004 | 63424 | 63555 | (420) | (0.7)%% | (551) | (0.9)% |
| Residential first mortgage | 19765 | 19881 | 20094 | (116) | (0.6)% | (329) | (1.6)% |
| Home equity | 5556 | 5549 | 5540 | 7 | 0.1% | 16 | 0.3% |
| Consumer credit card | 1519 | 1437 | 1445 | 82 | 5.7% | 74 | 5.1% |
| Other consumer\* | 5793 | 5834 | 6093 | (41) | (0.7)%% | (300) | (4.9)% |
| &nbsp;&nbsp;&nbsp;Consumer Lending | 32633 | 32701 | 33172 | (68) | (0.2)%% | (539) | (1.6)% |
| &nbsp;&nbsp;&nbsp;Total Loans | $95637 | $96125 | $96727 | $(488) | (0.5)%% | $(1090) | (1.1)% |

---

NM - Not meaningful.

\*&nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans includes Regions' Home Improvement Financing portfolio.

Average and ending loans both decreased approximately 1 percent compared to the prior quarter. Average business loans decreased 1 percent during the quarter, while average consumer loans remained relatively stable. During the quarter the company continued to de-risk its business loan portfolio by exiting an additional $420 million of loans ($1.4 billion for the full year), while also experiencing another $670 million ($2.6 billion for the full year) of loan balances refinance into the capital markets. However, client sentiment continues to improve as both loan pipelines and commercial line commitments increased during 2025. Pipelines have increased over 50 percent and line commitments by approximately $2.5 billion.

------

**<u>Deposits</u>** 

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** |
| *($ amounts in millions)* | 4Q25 | 3Q25 | 4Q24 | 4Q25 vs. 3Q25 | 4Q25 vs. 3Q25 | 4Q25 vs. 4Q24 | 4Q25 vs. 4Q24 |
| Total interest-bearing deposits | $90391 | $90037 | $87069 | $354 | 0.4% | $3322 | 3.8% |
| Non-interest-bearing deposits | 39459 | 39538 | 39424 | (79) | (0.2)% | 35 | 0.1% |
| &nbsp;&nbsp;&nbsp;Total Deposits | $129850 | $129575 | $126493 | $275 | 0.2% | $3357 | 2.7% |
| *($ amounts in millions)* | 4Q25 | 3Q25 | 4Q24 | 4Q25 vs. 3Q25 | 4Q25 vs. 3Q25 | 4Q25 vs. 4Q24 | 4Q25 vs. 4Q24 |
| Consumer Bank Segment | $79437 | $79698 | $78476 | $(261) | (0.3)% | $961 | 1.2% |
| Corporate Bank Segment | 40243 | 39733 | 37426 | 510 | 1.3% | 2817 | 7.5% |
| Wealth Management Segment | 7810 | 7262 | 7492 | 548 | 7.5% | 318 | 4.2% |
| Other | 2360 | 2882 | 3099 | (522) | (18.1)% | (739) | (23.8)% |
| &nbsp;&nbsp;&nbsp;Total Deposits | $129850 | $129575 | $126493 | $275 | 0.2% | $3357 | 2.7% |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | **End of Period Deposits** | **End of Period Deposits** | **End of Period Deposits** | **End of Period Deposits** | **End of Period Deposits** | **End of Period Deposits** | **End of Period Deposits** |
| | | | | 12/31/2025 | 12/31/2025 | 12/31/2025 | 12/31/2025 |
| *($ amounts in millions)* | 12/31/2025 | 9/30/2025 | 12/31/2024 | vs. 9/30/2025 | vs. 9/30/2025 | vs. 12/31/2024 | vs. 12/31/2024 |
| Consumer Bank Segment | $80193 | $79689 | $78637 | $504 | 0.6% | $1556 | 2.0% |
| Corporate Bank Segment | 40449 | 40415 | 38361 | 34 | 0.1% | 2088 | 5.4% |
| Wealth Management Segment | 8344 | 7654 | 7736 | 690 | 9.0% | 608 | 7.9% |
| Other | 2142 | 2576 | 2869 | (434) | (16.8)% | (727) | (25.3)% |
| &nbsp;&nbsp;&nbsp;Total Deposits | $131128 | $130334 | $127603 | $794 | 0.6% | $3525 | 2.8% |

---

NM - Not meaningful.

The company's deposit base continues to be a source of strength and an industry differentiator in liquidity and margin performance. Ending and average deposits remained relatively stable during the quarter as average consumer deposits decreased modestly, slightly ahead of typical seasonal trends, while average commercial and wealth deposits continued to exhibit strength primarily across money market and interest-bearing checking.

------

**<u>Asset quality</u>**

---

| | | | |
|:---|:---|:---|:---|
| | **As of and for the Quarter Ended** | **As of and for the Quarter Ended** | **As of and for the Quarter Ended** |
| *($ amounts in millions)* | 12/31/2025 | 9/30/2025 | 12/31/2024 |
| Allowance for credit losses (ACL) at period end | $1686 | $1713 | $1729 |
| ACL/Loans, net | 1.76% | 1.78% | 1.79% |
| Allowance for credit losses to non-performing loans, excluding loans held for sale | 242% | 226% | 186% |
| Provision for credit losses | $115 | $105 | $120 |
| Net loans charged-off | $142 | $135 | $119 |
| Net loans charged-off as a % of average loans, annualized | 0.59% | 0.55% | 0.49% |
| Non-performing loans, excluding loans held for sale/Loans, net | 0.73% | 0.79% | 0.96% |
| NPAs (ex. 90+ past due)/Loans, foreclosed properties, and non-performing loans held for sale | 0.75% | 0.82% | 0.97% |
| NPAs (inc. 90+ past due)/Loans, foreclosed properties, and non-performing loans held for sale\* | 0.94% | 0.98% | 1.15% |
| Total Criticized Loans—Business Services<sup>\*\*</sup> | $3342 | $3682 | $4716 |

---

\* 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.

Overall asset quality metrics continued to improve during the most recent quarter. Net charge-offs were $142 million or an annualized 59 basis points of average loans, representing a 4 basis point increase compared to the third quarter. The majority of business services charges came from previously identified portfolios of interest with established reserves. Business services criticized loans improved again during the quarter, decreasing $340 million, or 9 percent, while non-performing loans decreased 8 percent with the ratio of non-performing loans as a percentage of total loans declining 6 basis point to 0.73 percent.

The company made material progress in resolving stressed loans in previously identified portfolios of interest during the quarter. This progress, combined with the improvements in business services criticized loans and total non-performing loans, drove a $27 million reduction in the allowance of credit losses. The allowance for credit losses ratio decreased 2 basis points to 1.76 percent, while the allowance for credit losses as a percentage of non-performing loans increased to 242 percent compared to the prior quarter.

&nbsp;&nbsp;&nbsp;&nbsp;

------

**<u>Capital and liquidity</u>**

---

| | | | |
|:---|:---|:---|:---|
| | **As of and for Quarter Ended** | **As of and for Quarter Ended** | **As of and for Quarter Ended** |
| | 12/31/2025 | 9/30/2025 | 12/31/2024 |
| Common Equity Tier 1 ratio<sup>(2)</sup> | 10.8% | 10.9% | 10.8% |
| Common equity Tier 1 ratio (incl. AOCI) (non-GAAP)<sup>(1)(2)</sup> | 9.6% | 9.6% | 8.8% |
| Tier 1 capital ratio<sup>(2)</sup> | 11.9% | 12.0% | 12.2% |
| Total shareholders' equity to total assets | 11.94% | 11.91% | 11.37% |
| Tangible common shareholders' equity to tangible assets (non-GAAP)<sup>(1)</sup> | 7.76% | 7.74% | 6.86% |
| Common book value per share | $20.36 | $19.98 | $17.77 |
| Tangible common book value per share (non-GAAP)<sup>(1)</sup> | $13.75 | $13.49 | $11.42 |
| Loans, net of unearned income, to total deposits | 72.9% | 73.8% | 75.8% |

---

Regions maintained a solid capital position in the fourth quarter with estimated capital ratios remaining well above current regulatory requirements. At quarter-end, the Common Equity Tier 1 (CET1)<sup>(2)</sup> and Tier 1 capital<sup>(2)</sup> ratios were estimated at 10.8 percent and 11.9 percent respectively. Including the impacts of accumulated other comprehensive income, CET1<sup>(1)(2)</sup> was estimated at 9.6 percent.

During the fourth quarter, the company repurchased approximately 17 million shares of common stock for a total of $430 million through open-market purchases and declared $231 million in dividends to common shareholders.

Tangible common book value per share<sup>(1)</sup> ended the quarter at $13.75, a 2 percent increase quarter-over-quarter and a 20 percent increase year-over-year.

The company's liquidity position also remained robust with total available liquidity as of Dec. 31, 2025, of approximately $67.9 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 Facility. These sources are sufficient to cover uninsured deposits at a ratio of approximately 182 percent as of quarter-end (excluding intercompany and secured deposits).

(1) Non-GAAP; refer to reconciliations on pages <u>[13,](rf-20251231xexhibitx992.htm#icf729cbb5cbb4cd4b5f5768a3d20890f_46)</u> <u>[17](rf-20251231xexhibitx992.htm#icf729cbb5cbb4cd4b5f5768a3d20890f_58)</u>, <u>[18](rf-20251231xexhibitx992.htm#icf729cbb5cbb4cd4b5f5768a3d20890f_61)</u>, <u>[19](rf-20251231xexhibitx992.htm#icf729cbb5cbb4cd4b5f5768a3d20890f_61)</u>, <u>[20](rf-20251231xexhibitx992.htm#icf729cbb5cbb4cd4b5f5768a3d20890f_64)</u> and <u>[2](rf-20251231xexhibitx992.htm#icf729cbb5cbb4cd4b5f5768a3d20890f_70)[1](rf-20251231xexhibitx992.htm#icf729cbb5cbb4cd4b5f5768a3d20890f_70)</u> 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 Securities and Exchange Commission on Jan. 16, 2026.

(2) Current quarter Common Equity Tier 1 and Tier 1 capital ratios are estimated.

**Conference Call**

The company will hold a live audio webcast to discuss fourth quarter 2025 results on Jan. 16, 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 $160 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 approximately 1,250 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Current and future economic and market conditions in the United States generally or in the communities we serve (in particular the Southeastern United States), including the effects of possible declines in property values, increases in interest rates and unemployment rates, inflation, financial market disruptions and potential reductions of economic growth, which may adversely affect our lending and other businesses and our financial results and conditions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Possible changes in trade, monetary and fiscal policies of, and other activities undertaken by, governments, agencies, central banks and similar organizations, including tariffs, which could have a material adverse effect on our businesses and our financial results and conditions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Changes in market interest rates or capital markets could adversely affect our revenue and expense, the value of assets (such as our portfolio of investment securities) and obligations, as well as the availability and cost of capital and liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Volatility and uncertainty about the direction of interest rates and the timing of any changes, which may lead to increased costs for businesses and consumers and potentially contribute to poor business and economic conditions generally.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Possible changes in the creditworthiness of customers and the possible impairment of the collectability of loans and leases.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Changes in the speed of loan prepayments, loan origination and sale volumes, charge-offs, credit loss provisions or actual credit losses where our allowance for credit losses may not be adequate to cover our eventual losses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Possible acceleration of prepayments on mortgage-backed securities due to declining interest rates, and the related acceleration of premium amortization on those securities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Possible changes in consumer and business spending and saving habits and the related effect on our ability to increase assets and to attract deposits, which could adversely affect our net income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loss of customer checking and savings account deposits as customers pursue other, higher-yield investments, or the need to price interest-bearing deposits higher due to competitive forces. Either of these activities could increase our funding costs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Possible downgrades in our credit ratings or outlook could, among other negative impacts, increase the costs of funding from capital markets.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The loss of value of our investment portfolio could negatively impact market perceptions of us.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our ability to manage fluctuations in the value of assets and liabilities and off-balance sheet exposure so as to maintain sufficient capital and liquidity to support our businesses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The effects of social media on market perceptions of us and banks generally.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The effects of problems encountered by other financial institutions that adversely affect us or the banking industry generally could require us to change certain business practices, reduce our revenue, impose additional costs on us, or otherwise negatively affect our businesses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Volatility in the financial services industry (including failures or rumors of failures of other depository institutions), along with actions taken by governmental agencies to address such turmoil, could affect the ability of depository institutions, including us, to attract and retain depositors and to borrow or raise capital.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our ability to effectively compete with other traditional and non-traditional financial services companies, including fintechs, digital wallet providers, and digital currency issuers, some of which possess greater financial resources than we do or are subject to different regulatory standards than we are.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our inability to develop and gain acceptance from current and prospective customers for new products and services and the enhancement of existing products and services to meet customers' needs and respond to emerging technological trends in a timely manner could have a negative impact on our revenue.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our inability to keep pace with technological changes, including those related to the offering of digital banking and financial services, could result in losing business to competitors.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The development and use of AI presents risks and challenges that may adversely impact our business.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our ability to execute on our strategic and operational plans, including our ability to fully realize the financial and nonfinancial benefits relating to our strategic initiatives.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The risks and uncertainties related to our acquisition or divestiture of businesses and risks related to such acquisitions, including that the expected synergies, cost savings and other financial or other benefits may not be realized within expected timeframes, or might be less than projected; and difficulties in integrating acquired businesses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The success of our marketing efforts in attracting and retaining customers.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our ability to achieve our expense management initiatives.

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Changes in commodity market prices and conditions could adversely affect the cash flows of our borrowers operating in industries that are impacted by changes in commodity prices (including businesses indirectly impacted by commodities prices such as businesses that transport commodities or manufacture equipment used in the production of commodities), which could impair the ability of those borrowers to service any loans outstanding to them and/or reduce demand for loans in those industries.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The effects of geopolitical instability, including wars, conflicts, civil unrest, and terrorist attacks and the potential impact, directly or indirectly, on our businesses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fraud, theft or other misconduct conducted by external parties, including our customers and business partners, or by our employees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Any inaccurate or incomplete information provided to us by our customers or counterparties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Inability of our framework to manage risks associated with our businesses, such as credit risk and operational risk, including third-party vendors and other service providers, which inability could, among other things, result in a breach of operating or security systems as a result of a cyber-attack or similar act or failure to deliver our services effectively.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our ability to identify and address operational risks associated with the introduction of or changes to products, services, or delivery platforms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Dependence on key suppliers or vendors to obtain equipment and other supplies for our businesses on acceptable terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The inability of our internal controls and procedures to prevent, detect or mitigate any material errors or fraudulent acts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our ability to identify and address cyber-security risks such as data security breaches, malware, ransomware, "denial of service" attacks, "hacking" and identity theft, including account take-overs, a failure of which could disrupt our businesses and result in the disclosure of and/or misuse or misappropriation of confidential or proprietary information, disruption or damage to our systems, increased costs, losses, or adverse effects to our reputation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The effects of the failure of any component of our business infrastructure provided by a third party could disrupt our businesses, result in the disclosure of and/or misuse of confidential information or proprietary information, increase our costs, negatively affect our reputation, and cause losses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The effects of any developments, changes or actions relating to any litigation or regulatory proceedings brought against us or any of our subsidiaries.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The costs, including possibly incurring fines, penalties, or other negative effects (including reputational harm) of any adverse judicial, administrative, or arbitral rulings or proceedings, regulatory enforcement actions or other legal actions to which we or any of our subsidiaries are a party, and which may adversely affect our results.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Changes in laws and regulations affecting our businesses, including legislation and regulations relating to bank products and services, such as changes to debit card interchange fees, special FDIC assessments, any new long-term debt requirements, as well as changes in the enforcement and interpretation of such laws and regulations by applicable governmental and self-regulatory agencies, including as a result of the changes in control of the U.S. Congress and changes in personnel at the bank regulatory agencies, which could require us to change certain business practices, increase compliance risk, reduce our revenue, impose additional costs on us, or otherwise negatively affect our businesses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our capital actions, including dividend payments, common stock repurchases, or redemptions of preferred stock, must not cause us to fall below minimum capital ratio requirements, with applicable buffers taken into account, and must comply with other requirements and restrictions under law or imposed by our regulators, which may impact our ability to return capital to shareholders.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our ability to comply with stress testing and capital planning requirements (as part of the CCAR process or otherwise) may continue to require a significant investment of our managerial resources due to the importance of such tests and requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our ability to comply with applicable capital and liquidity requirements (including, among other things, the Basel III Rules), including our ability to generate capital internally or raise capital on favorable terms, and if we fail to meet requirements, our financial condition and market perceptions of us could be negatively impacted.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our ability to recruit and retain talented and experienced personnel to assist in the development, management and operation of our products and services may be affected by changes in laws and regulations in effect from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our ability to receive dividends from our subsidiaries, in particular Regions Bank, could affect our liquidity and ability to pay dividends to shareholders.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fluctuations in the price of our common stock and inability to complete stock repurchases in the time frame and/or on the terms anticipated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The effects of anti-takeover laws and exclusive forum provision in our certificate of incorporation and bylaws.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The effect of new tax legislation and/or interpretation of existing tax law, which may impact our earnings, capital ratios and our ability to return capital to shareholders.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Changes in accounting policies or procedures as may be required by the FASB or other regulatory agencies could materially affect our financial statements and how we report those results, and expectations and preliminary analyses relating to how such changes will affect our financial results could prove incorrect.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Any impairment of our goodwill or other intangibles, any repricing of assets or any adjustment of valuation allowances on our deferred tax assets due to changes in tax law, adverse changes in the economic environment declining operations of the reporting unit or other factors.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The effects of man-made and natural disasters, including fires, floods, droughts, tornadoes, hurricanes and environmental damage (especially in the Southeastern United States), which may negatively affect our operations and/or our loan portfolios and increase our cost of conducting business. The severity and frequency of future earthquakes, fires, hurricanes, tornadoes, droughts, floods and other weather-related events are difficult to predict and may be exacerbated by global climate change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The impact of pandemics on our businesses, operations and financial results and conditions. The duration and severity of any pandemic as well as government actions or other restrictions in connection with such events could disrupt the global economy, adversely affect our capital and liquidity position, impair the ability of borrowers to repay outstanding loans and increase our allowance for credit losses, impair collateral values and result in lost revenue or additional expenses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The effects of any damage to our reputation resulting from developments related to any of the items identified above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Other risks identified from time to time in reports that we file with the SEC.

The foregoing list of factors is not exhaustive. For discussion of these and other factors that may cause actual results to differ from expectations, look under the captions "Forward-Looking Statements" and "Risk Factors" in Regions' Annual Report on Form 10-K for the year ended December 31, 2024 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.

------

**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.

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 <u>[Exhibit 99.2](rf-20251231xexhibitx992.htm)</u> to the company's Current Report on Form 8-K furnished to the Securities and Exchange Commission on Jan. 16, 2026, for reconciliations of and additional information regarding the company's non-GAAP financial measures.

## Exhibit 99.2

**Exhibit 99.2**

![regionslogob22.jpg](regionslogob22.jpg)

**Regions Financial Corporation and Subsidiaries**

**Financial Supplement (unaudited)**

**Fourth Quarter 2025** 

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**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release**

**Table of Contents**

---

| | |
|:---|:---|
| | Page |
| Financial Highlights | <u>[1](#icf729cbb5cbb4cd4b5f5768a3d20890f_7)</u> |
| Selected Ratios and Other Information\* | <u>[2](#icf729cbb5cbb4cd4b5f5768a3d20890f_10)</u> |
| Consolidated Balance Sheets | <u>[3](#icf729cbb5cbb4cd4b5f5768a3d20890f_13)</u> |
| Loans | <u>[4](#icf729cbb5cbb4cd4b5f5768a3d20890f_16)</u> |
| Deposits | <u>[6](#icf729cbb5cbb4cd4b5f5768a3d20890f_25)</u> |
| Consolidated Statements of Income | <u>[8](#icf729cbb5cbb4cd4b5f5768a3d20890f_31)</u> |
| Consolidated Average Daily Balances and Yield / Rate Analysis | <u>[10](#icf729cbb5cbb4cd4b5f5768a3d20890f_37)</u> |
| Pre-Tax Pre-Provision Income ("PPI")\* and Adjusted PPI\* | <u>[13](#icf729cbb5cbb4cd4b5f5768a3d20890f_46)</u> |
| Non-Interest Income, Service Charges on Deposit Accounts by Segment, Wealth Management Income, Capital Markets Income, and Mortgage Income | <u>[14](#icf729cbb5cbb4cd4b5f5768a3d20890f_49)</u> |
| Non-Interest Expense and Salaries and Benefits Expense | <u>[16](#icf729cbb5cbb4cd4b5f5768a3d20890f_55)</u> |
| Reconciliation of GAAP Financial Measures to non-GAAP Financial Measures\* |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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 | <u>[17](#icf729cbb5cbb4cd4b5f5768a3d20890f_58)</u> |
| Asset Quality |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Allowance for Credit Losses, Net Charge-Offs and Related Ratios | <u>[22](#icf729cbb5cbb4cd4b5f5768a3d20890f_73)</u> |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-Performing Loans (excludes loans held for sale), Early and Late Stage Delinquencies | <u>[24](#icf729cbb5cbb4cd4b5f5768a3d20890f_76)</u> |
| Forward-Looking Statements | <u>[25](#icf729cbb5cbb4cd4b5f5768a3d20890f_79)</u> |

---

**\*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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release**

**Financial Highlights** 

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** |
| *<u>($ amounts in millions, except per share data)</u>* | **12/31/2025** | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 |
| **Earnings Summary** |  |  |  |  |  |
| Interest income - taxable equivalent | $**1781** | $1808 | $1796 | $1737 | $1815 |
| Interest expense - taxable equivalent | **487** | 539 | 525 | 531 | 572 |
| Net interest income - taxable equivalent | **1294** | 1269 | 1271 | 1206 | 1243 |
| Less: Taxable-equivalent adjustment | **13** | 12 | 12 | 12 | 13 |
| Net interest income | **1281** | 1257 | 1259 | 1194 | 1230 |
| Provision for credit losses | **115** | 105 | 126 | 124 | 120 |
| Net interest income after provision for credit losses | **1166** | 1152 | 1133 | 1070 | 1110 |
| Non-interest income | **640** | 659 | 646 | 590 | 585 |
| Non-interest expense | **1098** | 1103 | 1073 | 1039 | 1038 |
| Income before income taxes | **708** | 708 | 706 | 621 | 657 |
| Income tax expense | **174** | 139 | 143 | 131 | 123 |
| Net income | $**534** | $569 | $563 | $490 | $534 |
| Net income available to common shareholders | $**514** | $548 | $534 | $465 | $508 |
| Adjusted net income available to common shareholders (non-GAAP) <sup>(1)</sup> | $**504** | $561 | $538 | $487 | $538 |
| Weighted-average shares outstanding—during quarter: |  |  |  |  |  |
| Basic | **875** | 890 | 898 | 906 | 911 |
| Diluted | **880** | 894 | 900 | 910 | 915 |
| Basic earnings per common share | $**0.59** | $0.62 | $0.59 | $0.51 | $0.56 |
| Diluted earnings per common share | $**0.58** | $0.61 | $0.59 | $0.51 | $0.56 |
| Adjusted diluted earnings per common share (non-GAAP) <sup>(1)</sup> | $**0.57** | $0.63 | $0.60 | $0.54 | $0.59 |
| **Balance Sheet Summary** |  |  |  |  |  |
| At quarter-end |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans, net of unearned income | $**95637** | $96125 | $96723 | $95733 | $96727 |
| &nbsp;&nbsp;&nbsp;&nbsp;Allowance for credit losses | **(1686)** | (1713) | (1743) | (1730) | (1729) |
| &nbsp;&nbsp;&nbsp;&nbsp;Assets | **159553** | 159940 | 159206 | 159846 | 157302 |
| &nbsp;&nbsp;&nbsp;&nbsp;Deposits | **131128** | 130334 | 130919 | 130971 | 127603 |
| &nbsp;&nbsp;&nbsp;&nbsp;Long-term borrowings | **4134** | 4785 | 5279 | 6019 | 5993 |
| &nbsp;&nbsp;&nbsp;&nbsp;Shareholders' equity | **19043** | 19049 | 18666 | 18530 | 17879 |
| Average balances |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans, net of unearned income | $**95651** | $96647 | $96077 | $96122 | $96408 |
| &nbsp;&nbsp;&nbsp;&nbsp;Assets | **158107** | 159089 | 157974 | 156876 | 156508 |
| &nbsp;&nbsp;&nbsp;&nbsp;Deposits | **129850** | 129575 | 129444 | 127687 | 126493 |
| &nbsp;&nbsp;&nbsp;&nbsp;Long-term borrowings | **4524** | 5527 | 5660 | 6001 | 6025 |
| &nbsp;&nbsp;&nbsp;&nbsp;Shareholders' equity | **18986** | 18688 | 18350 | 18127 | 18042 |

---

_____

(1) See reconciliation of these non-GAAP measures to the most directly comparable GAAP measures on page <u>[19](#icf729cbb5cbb4cd4b5f5768a3d20890f_64)</u>.

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release**

**Selected Ratios and Other Information**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **As of and for Quarter Ended** | **As of and for Quarter Ended** | **As of and for Quarter Ended** | **As of and for Quarter Ended** | **As of and for Quarter Ended** |
| | **12/31/2025** | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 |
| Return on average assets\* <sup>(1)</sup> | **1.34 %%** | 1.42% | 1.43% | 1.27% | 1.36% |
| Return on average common shareholders' equity\* | **11.58 %%** | 12.56% | 12.72% | 11.49% | 12.39% |
| Return on average tangible common shareholders' equity (non-GAAP)\* <sup>(2)</sup> | **17.17 %%** | 18.81% | 19.34% | 17.72% | 19.19% |
| Adjusted return on average tangible common shareholders' equity (non-GAAP) \*<sup>(2)</sup> | **16.84 %%** | 19.24% | 19.48% | 18.58% | 20.30% |
| Efficiency ratio | **56.8 %%** | 57.2% | 56.0% | 57.9% | 56.8% |
| Adjusted efficiency ratio (non-GAAP) <sup>(2)</sup> | **57.5 %%** | 56.9% | 56.0% | 56.8% | 55.4% |
| Dividend payout ratio <sup>(3)</sup> | **44.8 %%** | 43.0% | 42.0% | 48.6% | 44.7% |
| Common book value per share | $**20.36** | $19.98 | $19.35 | $18.70 | $17.77 |
| Tangible common book value per share (non-GAAP) <sup>(2)</sup> | $**13.75** | $13.49 | $12.91 | $12.29 | $11.42 |
| Total shareholders' equity to total assets | **11.94 %%** | 11.91% | 11.72% | 11.59% | 11.37% |
| Tangible common shareholders' equity to tangible assets (non-GAAP) <sup>(2)</sup> | **7.76 %%** | 7.74% | 7.52% | 7.17% | 6.86% |
| Common equity Tier 1 <sup>(4)</sup> | $**13486** | $13620 | $13533 | $13355 | $13434 |
| Total risk-weighted assets <sup>(4)</sup> | $**125311** | $125386 | $125755 | $123755 | $124440 |
| Common equity Tier 1 ratio <sup>(4)</sup> | **10.8 %%** | 10.9% | 10.8% | 10.8% | 10.8% |
| Common equity Tier 1 ratio (inclusive of AOCI) (non-GAAP) <sup>(2)(4)</sup> | **9.6 %%** | 9.6% | 9.3% | 9.1% | 8.8% |
| Tier 1 capital ratio <sup>(4)</sup> | **11.9 %%** | 12.0% | 11.9% | 12.2% | 12.2% |
| Total risk-based capital ratio <sup>(4)</sup> | **13.7 %%** | 13.8% | 13.7% | 14.1% | 14.1% |
| Leverage ratio <sup>(4)</sup> | **9.7 %%** | 9.7% | 9.7% | 9.8% | 9.9% |
| Effective tax rate | **24.5 %%** | 19.7% | 20.3% | 21.1% | 18.9% |
| Allowance for credit losses as a percentage of loans, net of unearned income | **1.76 %%** | 1.78% | 1.80% | 1.81% | 1.79% |
| Allowance for credit losses to non-performing loans, excluding loans held for sale | **242 %%** | 226% | 225% | 205% | 186% |
| Net interest margin (FTE)\* | **3.70 %%** | 3.59% | 3.65% | 3.52% | 3.55% |
| Loans, net of unearned income, to total deposits | **72.9 %%** | 73.8% | 73.9% | 73.1% | 75.8% |
| Net charge-offs as a percentage of average loans\* | **0.59 %%** | 0.55% | 0.47% | 0.52% | 0.49% |
| Non-performing loans, excluding loans held for sale, as a percentage of loans | **0.73 %%** | 0.79% | 0.80% | 0.88% | 0.96% |
| Non-performing assets (excluding loans 90 days past due) as a percentage of loans, foreclosed properties, and non-performing loans held for sale | **0.75 %%** | 0.82% | 0.84% | 0.92% | 0.97% |
| Non-performing assets (including loans 90 days past due) as a percentage of loans, foreclosed properties, and non-performing loans held for sale <sup>(5)</sup> | **0.94 %%** | 0.98% | 1.01% | 1.11% | 1.15% |
| Associate headcount—full-time equivalent | **19969** | 19675 | 19642 | 19541 | 19644 |
| ATMs | **1786** | 1874 | 1996 | 2008 | 2011 |
| <u>Branch Statistics</u> |  |  |  |  |  |
| Full service | **1222** | 1223 | 1224 | 1224 | 1227 |
| Drive-through/transaction service only | **25** | 25 | 26 | 25 | 26 |
| Total branch outlets | **1247** | 1248 | 1250 | 1249 | 1253 |

---

---

| | | |
|:---|:---|:---|
| | **Year Ended December 31** | **Year Ended December 31** |
| | **2025** | 2024 |
| Return on average assets <sup>(1)</sup> | **1.36 %%** | 1.23% |
| Return on average common shareholders' equity | **12.09 %%** | 11.24% |
| Return on average tangible common shareholders' equity (non-GAAP) <sup>(2)</sup> | **18.25 %%** | 17.77% |
| Adjusted return on average tangible common shareholders' equity (non-GAAP) <sup>(2)</sup> | **18.51 %%** | 19.55% |
| Efficiency ratio | **56.9 %%** | 59.5% |
| Adjusted efficiency ratio (non-GAAP) <sup>(2)</sup> | **56.8 %%** | 57.6% |
| Dividend payout ratio <sup>(3)</sup> | **44.4 %%** | 50.5% |
| Effective tax rate | **21.4 %%** | 19.6% |
| Net interest margin (FTE) | **3.61 %%** | 3.54% |
| Net charge-offs as a percentage of average loans | **0.53 %%** | 0.47% |

---

\*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 <u>[13](#icf729cbb5cbb4cd4b5f5768a3d20890f_46)</u>, <u>[17](#icf729cbb5cbb4cd4b5f5768a3d20890f_58)</u>, <u>[19](#icf729cbb5cbb4cd4b5f5768a3d20890f_64)</u>, and <u>[21](#icf729cbb5cbb4cd4b5f5768a3d20890f_70)</u>.

(3)Dividend payout ratio reflects dividends declared within the applicable period.

(4)Current quarter Common equity Tier 1 as well as 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 <u>[24](#icf729cbb5cbb4cd4b5f5768a3d20890f_76)</u> for amounts related to these loans.

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release**

**Consolidated Balance Sheets**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **As of** | **As of** | **As of** | **As of** | **As of** |
| *<u>($ amounts in millions)</u>* | **12/31/2025** | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 |
| Assets: |  |  |  |  |  |
| Cash and due from banks | $**3112** | $3073 | $3245 | $3287 | $2893 |
| Interest-bearing deposits in other banks | **7795** | 9026 | 7930 | 11029 | 7819 |
| Debt securities held to maturity | **5606** | 5769 | 5972 | 5195 | 4427 |
| Debt securities available for sale | **27560** | 26886 | 26333 | 25942 | 26224 |
| Loans held for sale | **511** | 573 | 594 | 345 | 594 |
| Loans, net of unearned income | **95637** | 96125 | 96723 | 95733 | 96727 |
| Allowance for loan losses  | **(1556)** | (1581) | (1612) | (1613) | (1613) |
| Net loans | **94081** | 94544 | 95111 | 94120 | 95114 |
| Other earning assets | **1703** | 1513 | 1682 | 1412 | 1616 |
| Premises and equipment, net | **1659** | 1742 | 1755 | 1726 | 1673 |
| Interest receivable | **571** | 574 | 574 | 583 | 572 |
| Goodwill | **5733** | 5733 | 5733 | 5733 | 5733 |
| Residential mortgage servicing rights at fair value (MSRs) | **970** | 976 | 988 | 979 | 1007 |
| Other identifiable intangible assets, net | **140** | 146 | 153 | 161 | 169 |
| Other assets | **10112** | 9385 | 9136 | 9334 | 9461 |
| Total assets | $**159553** | $159940 | $159206 | $159846 | $157302 |
| Liabilities and Equity: |  |  |  |  |  |
| Deposits: |  |  |  |  |  |
| Non-interest-bearing | $**39530** | $39768 | $40209 | $40443 | $39138 |
| Interest-bearing | **91598** | 90566 | 90710 | 90528 | 88465 |
| Total deposits | **131128** | 130334 | 130919 | 130971 | 127603 |
| Borrowed funds: |  |  |  |  |  |
| Short-term borrowings | **750** | 1300 |  |  | 500 |
| Long-term borrowings | **4134** | 4785 | 5279 | 6019 | 5993 |
| Other liabilities | **4438** | 4426 | 4302 | 4289 | 5296 |
| Total liabilities | **140450** | 140845 | 140500 | 141279 | 139392 |
| Equity: |  |  |  |  |  |
| Preferred stock, non-cumulative perpetual | **1369** | 1369 | 1369 | 1715 | 1715 |
| Common stock | **9** | 9 | 9 | 9 | 9 |
| Additional paid-in capital | **10366** | 10780 | 11017 | 11161 | 11394 |
| Retained earnings | **10205** | 9922 | 9609 | 9299 | 9060 |
| Treasury stock, at cost | **(1371)** | (1371) | (1371) | (1371) | (1371) |
| Accumulated other comprehensive income (loss), net | **(1535)** | (1660) | (1967) | (2283) | (2928) |
| Total shareholders' equity | **19043** | 19049 | 18666 | 18530 | 17879 |
| Noncontrolling interest | **60** | 46 | 40 | 37 | 31 |
| Total equity | **19103** | 19095 | 18706 | 18567 | 17910 |
| Total liabilities and equity | $**159553** | $159940 | $159206 | $159846 | $157302 |

---

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release**

**End of Period Loans** 

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** |
| | | | | | | 12/31/2025 | 12/31/2025 | 12/31/2025 | 12/31/2025 |
| *<u>($ amounts in millions)</u>* | **12/31/2025** | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | vs. 9/30/2025 | vs. 9/30/2025 | vs. 12/31/2024 | vs. 12/31/2024 |
| Commercial and industrial | $**48790** | $49234 | $49586 | $48879 | $49671 | $(444) | (0.9)% | $(881) | (1.8)% |
| Commercial real estate mortgage—owner-occupied | **4845** | 4835 | 4890 | 4849 | 4841 | 10 | 0.2% | 4 | 0.1% |
| Commercial real estate construction—owner-occupied | **263** | 285 | 275 | 316 | 333 | (22) | (7.7)%% | (70) | (21.0)%% |
| Total commercial | **53898** | 54354 | 54751 | 54044 | 54845 | (456) | (0.8)%% | (947) | (1.7)%% |
| Commercial investor real estate mortgage | **7172** | 7122 | 6949 | 6376 | 6567 | 50 | 0.7% | 605 | 9.2% |
| Commercial investor real estate construction | **1934** | 1948 | 2149 | 2457 | 2143 | (14) | (0.7)%% | (209) | (9.8)%% |
| Total investor real estate | **9106** | 9070 | 9098 | 8833 | 8710 | 36 | 0.4 %% | 396 | 4.5 %% |
| Total business | **63004** | 63424 | 63849 | 62877 | 63555 | (420) | (0.7)%% | (551) | (0.9)%% |
| Residential first mortgage | **19765** | 19881 | 20020 | 20000 | 20094 | (116) | (0.6)% | (329) | (1.6)% |
| Home equity—lines of credit <sup>(1)</sup> | **3232** | 3209 | 3184 | 3130 | 3150 | 23 | 0.7% | 82 | 2.6% |
| Home equity—closed-end <sup>(2)</sup> | **2324** | 2340 | 2352 | 2371 | 2390 | (16) | (0.7)% | (66) | (2.8)% |
| Consumer credit card | **1519** | 1437 | 1415 | 1384 | 1445 | 82 | 5.7% | 74 | 5.1% |
| Other consumer <sup>(3)(4)</sup> | **5793** | 5834 | 5903 | 5971 | 6093 | (41) | (0.7)%% | (300) | (4.9)%% |
| Total consumer | **32633** | 32701 | 32874 | 32856 | 33172 | (68) | (0.2)%% | (539) | (1.6)%% |
| **Total Loans** | $**95637** | $96125 | $96723 | $95733 | $96727 | $(488) | (0.5)%% | $(1090) | (1.1)%% |

---

______

(1) &nbsp;&nbsp;&nbsp;&nbsp;The balance of Regions' home equity lines of credit consists of $1,410 million of first lien and $1,822 million of second lien at 12/31/2025.

(2)&nbsp;&nbsp;&nbsp;&nbsp;The balance of Regions' closed-end home equity loans consists of $1,751 million of first lien and $573 million of second lien at 12/31/2025.

(3)&nbsp;&nbsp;&nbsp;&nbsp;Starting in 2025, other consumer loans also includes exit portfolios, which were previously presented separately.

(4)&nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans also include Regions' Home Improvement Financing portfolio balances of $4.9 billion at 12/31/2025, $5.0 billion at 9/30/2025, $5.0 billion at 6/30/2025, $5.1 billion at 3/31/2025 and $5.2 billion at 12/31/2024.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **As of** | **As of** | **As of** | **As of** | **As of** |
| **End of Period Loans by Percentage**<sup>(1)</sup> | **12/31/2025** | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 |
| Commercial and industrial | **51.0 %%** | 51.2% | 51.3% | 51.1% | 51.4% |
| Commercial real estate mortgage—owner-occupied | **5.1 %%** | 5.0% | 5.1% | 5.1% | 5.0% |
| Commercial real estate construction—owner-occupied | **0.3 %%** | 0.3 %% | 0.3 %% | 0.3 %% | 0.3 %% |
| Total commercial | **56.4 %%** | 56.5 %% | 56.6 %% | 56.5 %% | 56.7 %% |
| Commercial investor real estate mortgage | **7.5 %%** | 7.4% | 7.2% | 6.7% | 6.8% |
| Commercial investor real estate construction | **2.0 %%** | 2.0 %% | 2.2 %% | 2.6 %% | 2.2 %% |
| Total investor real estate | **9.5 %%** | 9.4 %% | 9.4 %% | 9.2 %% | 9.0 %% |
| Total business | **65.9 %%** | 66.0 %% | 66.0 %% | 65.7 %% | 65.7 %% |
| Residential first mortgage | **20.7 %%** | 20.7% | 20.7% | 20.9% | 20.8% |
| Home equity—lines of credit | **3.4 %%** | 3.3% | 3.3% | 3.3% | 3.3% |
| Home equity—closed-end | **2.4 %%** | 2.4% | 2.4% | 2.5% | 2.5% |
| Consumer credit card | **1.6 %%** | 1.5% | 1.5% | 1.4% | 1.5% |
| Other consumer | **6.1 %%** | 6.1 %% | 6.1 %% | 6.2 %% | 6.3 %% |
| Total consumer | **34.1 %%** | 34.0 %% | 34.0 %% | 34.3 %% | 34.3 %% |
| **Total Loans** | **100.0 %%** | 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.

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release**

**Average Balances of Loans** 

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** |
| *<u>($ amounts in millions)</u>* | **4Q25** | 3Q25 | 2Q25 | 1Q25 | 4Q24 | 4Q25 vs. 3Q25 | 4Q25 vs. 3Q25 | 4Q25 vs. 4Q24 | 4Q25 vs. 4Q24 |
| Commercial and industrial | $**48769** | $49588 | $49033 | $49209 | $49357 | $(819) | (1.7)% | $(588) | (1.2)% |
| Commercial real estate mortgage—owner-occupied | **4866** | 4860 | 4900 | 4863 | 4869 | 6 | 0.1% | (3) | (0.1)% |
| Commercial real estate construction—owner-occupied | **260** | 274 | 270 | 317 | 343 | (14) | (5.1)%% | (83) | (24.2)%% |
| Total commercial | **53895** | 54722 | 54203 | 54389 | 54569 | (827) | (1.5)%% | (674) | (1.2)%% |
| Commercial investor real estate mortgage | **7210** | 7087 | 6805 | 6484 | 6491 | 123 | 1.7% | 719 | 11.1% |
| Commercial investor real estate construction | **1906** | 2051 | 2204 | 2267 | 2165 | (145) | (7.1)%% | (259) | (12.0)%% |
| Total investor real estate | **9116** | 9138 | 9009 | 8751 | 8656 | (22) | (0.2)%% | 460 | 5.3 %% |
| Total business | **63011** | 63860 | 63212 | 63140 | 63225 | (849) | (1.3)%% | (214) | (0.3)%% |
| Residential first mortgage | **19822** | 19944 | 19992 | 20037 | 20107 | (122) | (0.6)% | (285) | (1.4)% |
| Home equity—lines of credit | **3219** | 3197 | 3168 | 3135 | 3135 | 22 | 0.7% | 84 | 2.7% |
| Home equity—closed-end | **2327** | 2341 | 2357 | 2374 | 2392 | (14) | (0.6)% | (65) | (2.7)% |
| Consumer credit card | **1458** | 1420 | 1397 | 1394 | 1398 | 38 | 2.7% | 60 | 4.3% |
| Other consumer <sup>(1)(2)</sup> | **5814** | 5885 | 5951 | 6042 | 6151 | (71) | (1.2)%% | (337) | (5.5)%% |
| Total consumer | **32640** | 32787 | 32865 | 32982 | 33183 | (147) | (0.4)%% | (543) | (1.6)%% |
| Total Loans | $**95651** | $96647 | $96077 | $96122 | $96408 | $(996) | (1.0)%% | $(757) | (0.8)%% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** |
| | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** |
| *<u>($ amounts in millions)</u>* | **2025** | 2024 | 2025 vs. 2024 | 2025 vs. 2024 |
| Commercial and industrial | $**49150** | $49834 | $(684) | (1.4)% |
| Commercial real estate mortgage—owner-occupied | **4872** | 4836 | 36 | 0.7% |
| Commercial real estate construction—owner-occupied | **280** | 332 | (52) | (15.7)%% |
| Total commercial | **54302** | 55002 | (700) | (1.3)%% |
| Commercial investor real estate mortgage | **6899** | 6538 | 361 | 5.5% |
| Commercial investor real estate construction | **2106** | 2233 | (127) | (5.7)%% |
| Total investor real estate | **9005** | 8771 | 234 | 2.7 %% |
| Total business | **63307** | 63773 | (466) | (0.7)%% |
| Residential first mortgage | **19948** | 20158 | (210) | (1.0)% |
| Home equity—lines of credit | **3180** | 3147 | 33 | 1.0% |
| Home equity—closed-end | **2350** | 2407 | (57) | (2.4)% |
| Consumer credit card | **1417** | 1351 | 66 | 4.9% |
| Other consumer <sup>(1)(2)</sup> | **5922** | 6200 | (278) | (4.5)%% |
| Total consumer | **32817** | 33263 | (446) | (1.3)%% |
| Total Loans | $**96124** | $97036 | $(912) | (0.9)%% |

---

_____

(1)Starting in 2025, other consumer loans also includes exit portfolios, which were previously presented separately.

(2)&nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans also include Regions' Home Improvement Financing portfolio balances of $4.9 billion at 12/31/2025, $5.0 billion at 9/30/2025, $5.1 billion at 6/30/2025, $5.1 billion at 3/31/2025 and $5.2 billion at 12/31/2024 (on a quarter-to-date basis); and balances of $5.0 billion at 12/31/2025 and $5.2 billion at 12/31/2024 (on a year-to-date basis).

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release**

**End of Period Deposits** 

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** |
| | | | | | | 12/31/2025 | 12/31/2025 | 12/31/2025 | 12/31/2025 |
| *<u>($ amounts in millions)</u>* | **12/31/2025** | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | vs. 9/30/2025 | vs. 9/30/2025 | vs. 12/31/2024 | vs. 12/31/2024 |
| Non-interest-bearing deposits | $**39530** | $39768 | $40209 | $40443 | $39138 | $(238) | (0.6)% | $392 | 1.0% |
| Interest-bearing checking | **25677** | 24669 | 24704 | 25281 | 25079 | 1008 | 4.1% | 598 | 2.4% |
| Savings | **11914** | 11944 | 12187 | 12466 | 12022 | (30) | (0.3)% | (108) | (0.9)% |
| Money market—domestic | **40119** | 39051 | 38525 | 37289 | 35644 | 1068 | 2.7% | 4475 | 12.6% |
| Time deposits | **13888** | 14902 | 15294 | 15492 | 15720 | (1014) | (6.8)% | (1832) | (11.7)% |
| Total Deposits | $**131128** | $130334 | $130919 | $130971 | $127603 | $794 | 0.6% | $3525 | 2.8% |
|  | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** |
|  |  |  |  |  |  | 12/31/2025 | 12/31/2025 | 12/31/2025 | 12/31/2025 |
| *<u>($ amounts in millions)</u>* | **12/31/2025** | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | vs. 9/30/2025 | vs. 9/30/2025 | vs. 12/31/2024 | vs. 12/31/2024 |
| Consumer Bank Segment | $**80193** | $79689 | $79953 | $80627 | $78637 | $504 | 0.6% | $1556 | 2.0% |
| Corporate Bank Segment | **40449** | 40415 | 40101 | 39696 | 38361 | 34 | 0.1% | 2088 | 5.4% |
| Wealth Management Segment | **8344** | 7654 | 7352 | 7798 | 7736 | 690 | 9.0% | 608 | 7.9% |
| Other <sup>(1)</sup> | **2142** | 2576 | 3513 | 2850 | 2869 | (434) | (16.8)% | (727) | (25.3)% |
| Total Deposits | $**131128** | $130334 | $130919 | $130971 | $127603 | $794 | 0.6% | $3525 | 2.8% |
|  | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** |
|  |  |  |  |  |  | 12/31/2025 | 12/31/2025 | 12/31/2025 | 12/31/2025 |
| *<u>($ amounts in millions)</u>* | **12/31/2025** | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | vs. 9/30/2025 | vs. 9/30/2025 | vs. 12/31/2024 | vs. 12/31/2024 |
| Wealth Management - Private Wealth | $**7149** | $6698 | $6433 | $6931 | $6998 | $451 | 6.7% | $151 | 2.2% |
| Wealth Management - Institutional Services | **1195** | 956 | 919 | 867 | 738 | 239 | 25.0% | 457 | 61.9% |
| Total Wealth Management Segment Deposits | $**8344** | $7654 | $7352 | $7798 | $7736 | $690 | 9.0% | $608 | 7.9% |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **As of** | **As of** | **As of** | **As of** | **As of** |
| **End of Period Deposits by Percentage** | **12/31/2025** | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 |
| Non-interest-bearing deposits | **30.1 %%** | 30.5% | 30.7% | 30.9% | 30.7% |
| Interest-bearing checking | **19.6 %%** | 18.9% | 18.9% | 19.3% | 19.7% |
| Savings | **9.1 %%** | 9.2% | 9.3% | 9.5% | 9.4% |
| Money market—domestic | **30.6 %%** | 30.0% | 29.4% | 28.5% | 27.9% |
| Time deposits | **10.6 %%** | 11.4 %% | 11.7 %% | 11.8 %% | 12.3 %% |
| Total Deposits | **100.0 %%** | 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 $1.3 billion at 12/31/2025, $1.8 billion at 9/30/2025, $2.8 billion at 6/30/2025, $2.2 billion at 3/31/2025 and $2.2 billion at 12/31/2024.

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release**

**Average Balances of Deposits** 

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** |
| *<u>($ amounts in millions)</u>* | **4Q25** | 3Q25 | 2Q25 | 1Q25 | 4Q24 | 4Q25 vs. 3Q25 | 4Q25 vs. 3Q25 | 4Q25 vs. 4Q24 | 4Q25 vs. 4Q24 |
| Non-interest-bearing deposits | $**39459** | $39538 | $39556 | $39053 | $39424 | $(79) | (0.2)% | $35 | 0.1% |
| Interest-bearing checking | **24528** | 24274 | 24865 | 25033 | 24060 | 254 | 1.0% | 468 | 1.9% |
| Savings | **11876** | 12046 | 12300 | 12177 | 12020 | (170) | (1.4)% | (144) | (1.2)% |
| Money market—domestic | **39591** | 38593 | 37389 | 35625 | 35264 | 998 | 2.6% | 4327 | 12.3% |
| Time deposits | **14396** | 15124 | 15334 | 15799 | 15725 | (728) | (4.8)%% | (1329) | (8.5)%% |
| Total Deposits | $**129850** | $129575 | $129444 | $127687 | $126493 | $275 | 0.2 %% | 3357 | 2.7 %% |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** |
| *<u>($ amounts in millions)</u>* | **4Q25** | 3Q25 | 2Q25 | 1Q25 | 4Q24 | 4Q25 vs. 3Q25 | 4Q25 vs. 3Q25 | 4Q25 vs. 4Q24 | 4Q25 vs. 4Q24 |
| Consumer Bank Segment | $**79437** | $79698 | $79912 | $78712 | $78476 | $(261) | (0.3)% | $961 | 1.2% |
| Corporate Bank Segment | **40243** | 39733 | 39234 | 38312 | 37426 | 510 | 1.3% | 2817 | 7.5% |
| Wealth Management Segment | **7810** | 7262 | 7324 | 7600 | 7492 | 548 | 7.5% | 318 | 4.2% |
| Other <sup>(1)</sup> | **2360** | 2882 | 2974 | 3063 | 3099 | (522) | (18.1)%% | (739) | (23.8)%% |
| Total Deposits | $**129850** | $129575 | $129444 | $127687 | $126493 | $275 | 0.2 %% | $3357 | 2.7 %% |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** |
| *<u>($ amounts in millions)</u>* | **4Q25** | 3Q25 | 2Q25 | 1Q25 | 4Q24 | 4Q25 vs. 3Q25 | 4Q25 vs. 3Q25 | 4Q25 vs. 4Q24 | 4Q25 vs. 4Q24 |
| Wealth Management - Private Wealth | $**6719** | $6604 | $6705 | $6897 | $6700 | $115 | 1.7% | $19 | 0.3% |
| Wealth Management - Institutional Services | **1091** | 658 | 619 | 703 | 792 | 433 | 65.8 %% | 299 | 37.8 %% |
| Total Wealth Management Segment Deposits | $**7810** | $7262 | $7324 | $7600 | $7492 | $548 | 7.5 %% | $318 | 4.2 %% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** |
| | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** |
| *<u>($ amounts in millions)</u>* | **2025** | 2024 | 2025 vs. 2024 | 2025 vs. 2024 |
| Interest-free deposits | $**39403** | $40136 | $(733) | (1.8)% |
| Interest-bearing checking | **24672** | 24090 | 582 | 2.4% |
| Savings | **12099** | 12332 | (233) | (1.9)% |
| Money market—domestic | **37813** | 34586 | 3227 | 9.3% |
| Time deposits | **15159** | 15471 | (312) | (2.0)%% |
| Total Deposits | $**129146** | $126615 | $2531 | 2.0 %% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** |
| | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** |
| *<u>($ amounts in millions)</u>* | **2025** | 2024 | 2025 vs. 2024 | 2025 vs. 2024 |
| Consumer Bank Segment | $**79442** | $79083 | $359 | 0.5% |
| Corporate Bank Segment | **39387** | 37007 | 2380 | 6.4% |
| Wealth Management Segment | **7499** | 7541 | (42) | (0.6)% |
| Other <sup>(1)</sup> | **2818** | 2984 | (166) | (5.6)%% |
| Total Deposits | $**129146** | $126615 | $2531 | 2.0 %% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **Average Balances** | **Average Balances** | **Average Balances** | **Average Balances** |
| | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** |
| *<u>($ amounts in millions)</u>* | **2025** | 2024 | 2025 vs. 2024 | 2025 vs. 2024 |
| Wealth Management - Private Wealth | $**6730** | $6638 | $92 | 1.4% |
| Wealth Management - Institutional Services | **769** | 903 | (134) | (14.8)%% |
| Total Wealth Management Segment Deposits | $**7499** | $7541 | $(42) | (0.6)%% |

---

(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.

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release**

**Consolidated Statements of Income (unaudited)** 

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** |
| *<u>($ amounts in millions, except per share data)</u>* | **12/31/2025** | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 |
| Interest income on: |  |  |  |  |  |
| Loans, including fees | $**1358** | $1386 | $1377 | $1342 | $1416 |
| Debt securities | **300** | 293 | 286 | 266 | 256 |
| Loans held for sale | **9** | 9 | 9 | 8 | 11 |
| Other earning assets | **101** | 108 | 112 | 109 | 119 |
| Total interest income | **1768** | 1796 | 1784 | 1725 | 1802 |
| Interest expense on: |  |  |  |  |  |
| Deposits | **421** | 456 | 447 | 442 | 467 |
| Short-term borrowings | **4** | 8 | 1 | 4 | 16 |
| Long-term borrowings | **62** | 75 | 77 | 85 | 89 |
| Total interest expense | **487** | 539 | 525 | 531 | 572 |
| Net interest income | **1281** | 1257 | 1259 | 1194 | 1230 |
| Provision for credit losses | **115** | 105 | 126 | 124 | 120 |
| Net interest income after provision for credit losses | **1166** | 1152 | 1133 | 1070 | 1110 |
| Non-interest income: |  |  |  |  |  |
| Service charges on deposit accounts | **163** | 160 | 151 | 161 | 155 |
| Card and ATM fees | **123** | 122 | 125 | 117 | 113 |
| Wealth management income | **143** | 139 | 133 | 129 | 126 |
| Capital markets income | **80** | 104 | 83 | 80 | 97 |
| Mortgage income | **32** | 38 | 48 | 40 | 35 |
| Securities gains (losses), net | **—** | (27) | (1) | (25) | (30) |
| Other | **99** | 123 | 107 | 88 | 89 |
| Total non-interest income | **640** | 659 | 646 | 590 | 585 |
| Non-interest expense: |  |  |  |  |  |
| Salaries and employee benefits | **662** | 671 | 658 | 625 | 617 |
| Equipment and software expense | **112** | 106 | 104 | 99 | 104 |
| Net occupancy expense | **74** | 72 | 72 | 70 | 67 |
| Other | **250** | 254 | 239 | 245 | 250 |
| Total non-interest expense | **1098** | 1103 | 1073 | 1039 | 1038 |
| Income before income taxes | **708** | 708 | 706 | 621 | 657 |
| Income tax expense | **174** | 139 | 143 | 131 | 123 |
| Net income | $**534** | $569 | $563 | $490 | $534 |
| Net income available to common shareholders | $**514** | $548 | $534 | $465 | $508 |
| Weighted-average shares outstanding—during quarter: |  |  |  |  |  |
| Basic | **875** | 890 | 898 | 906 | 911 |
| Diluted | **880** | 894 | 900 | 910 | 915 |
| Actual shares outstanding—end of quarter | **868** | 885 | 894 | 899 | 909 |
| Earnings per common share: <sup>(1)</sup> |  |  |  |  |  |
| Basic | $**0.59** | $0.62 | $0.59 | $0.51 | $0.56 |
| Diluted | $**0.58** | $0.61 | $0.59 | $0.51 | $0.56 |
| Taxable-equivalent net interest income | $**1294** | $1269 | $1271 | $1206 | $1243 |

---

________

(1) Quarterly amounts may not add to year-to-date amounts due to rounding.

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release**

**Consolidated Statements of Income (continued) (unaudited)** 

---

| | | |
|:---|:---|:---|
| | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** |
| *<u>($ amounts in millions, except per share data)</u>* | **2025** | 2024 |
| Interest income on: |  |  |
| Loans, including fees | $**5463** | $5732 |
| Debt securities | **1145** | 925 |
| Loans held for sale | **35** | 39 |
| Other earning assets | **430** | 412 |
| Total interest income | **7073** | 7108 |
| Interest expense on: |  |  |
| Deposits | **1766** | 1971 |
| Short-term borrowings | **17** | 40 |
| Long-term borrowings | **299** | 279 |
| Total interest expense | **2082** | 2290 |
| Net interest income | **4991** | 4818 |
| Provision for credit losses | **470** | 487 |
| Net interest income after provision for credit losses | **4521** | 4331 |
| Non-interest income: |  |  |
| Service charges on deposit accounts | **635** | 612 |
| Card and ATM fees | **487** | 467 |
| Wealth management income | **544** | 495 |
| Capital markets income | **347** | 348 |
| Mortgage income | **158** | 146 |
| Securities gains (losses), net | **(53)** | (208) |
| Other | **417** | 405 |
| Total non-interest income | **2535** | 2265 |
| Non-interest expense: |  |  |
| Salaries and employee benefits | **2616** | 2529 |
| Equipment and software expense | **421** | 406 |
| Net occupancy expense | **288** | 278 |
| Other | **988** | 1029 |
| Total non-interest expense | **4313** | 4242 |
| Income before income taxes | **2743** | 2354 |
| Income tax expense | **587** | 461 |
| Net income | $**2156** | $1893 |
| Net income available to common shareholders | $**2061** | $1774 |
| Weighted-average shares outstanding—during year: |  |  |
| Basic | **892** | 916 |
| Diluted | **896** | 918 |
| Actual shares outstanding—end of period | **868** | 909 |
| Earnings per common share: |  |  |
| Basic | $**2.31** | $1.94 |
| Diluted | $**2.30** | $1.93 |
| Taxable-equivalent net interest income | $**5040** | $4868 |

---

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release**

**Consolidated Average Daily Balances and Yield/Rate Analysis** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** |
| | **12/31/2025** | **12/31/2025** | **12/31/2025** | 9/30/2025 | 9/30/2025 | 9/30/2025 |
| *<u>($ amounts in millions; yields on taxable-equivalent basis)</u>* | **Average Balance** | **Income/ Expense** | **Yield/ Rate** <sup>(1)</sup> | Average Balance | Income/ Expense | Yield/ Rate <sup>(1)</sup> |
| Assets |  |  |  |  |  |  |
| Earning assets: |  |  |  |  |  |  |
| Debt securities <sup>(2)(3)</sup> | $**33464** | $**300** | **3.58 %%** | $33223 | $293 | 3.53% |
| Loans held for sale | **642** | **9** | **5.73** | 662 | 9 | 5.52 |
| Loans, net of unearned income: |  |  |  |  |  |  |
| Commercial and industrial <sup>(4)</sup> | **48769** | **688** | **5.53** | 49588 | 714 | 5.65 |
| Commercial real estate mortgage—owner-occupied <sup>(5)</sup> | **4866** | **65** | **5.16** | 4860 | 62 | 5.04 |
| Commercial real estate construction—owner-occupied | **260** | **3** | **5.72** | 274 | 4 | 5.96 |
| Commercial investor real estate mortgage | **7210** | **116** | **6.29** | 7087 | 114 | 6.30 |
| Commercial investor real estate construction | **1906** | **33** | **6.85** | 2051 | 37 | 7.12 |
| Residential first mortgage | **19822** | **202** | **4.07** | 19944 | 202 | 4.06 |
| Home equity | **5546** | **91** | **6.57** | 5538 | 91 | 6.54 |
| Consumer credit card | **1458** | **51** | **14.06** | 1420 | 52 | 14.46 |
| Other consumer | **5814** | **122** | **8.26** | 5885 | 122 | 8.14 |
| Total loans, net of unearned income | **95651** | **1371** | **5.65** | 96647 | 1398 | 5.70 |
| Interest-bearing deposits in other banks | **7596** | **79** | **4.07** | 8316 | 94 | 4.51 |
| Other earning assets | **1456** | **22** | **6.21** | 1519 | 14 | 3.63 |
| Total earning assets | **138809** | **1781** | **5.07** | 140367 | 1808 | 5.09 |
| Unrealized gains/(losses) on debt securities available for sale, net <sup>(2)</sup> | **(641)** |  |  | (1001) |  |  |
| Allowance for loan losses | **(1545)** |  |  | (1616) |  |  |
| Cash and due from banks | **3055** |  |  | 2892 |  |  |
| Other non-earning assets | **18429** |  |  | 18447 |  |  |
|  | $**158107** |  |  | $159089 |  |  |
| Liabilities and Shareholders' Equity |  |  |  |  |  |  |
| Interest-bearing liabilities: |  |  |  |  |  |  |
| Savings | $**11876** | **3** | **0.10** | $12046 | 4 | 0.13 |
| Interest-bearing checking | **24528** | **78** | **1.26** | 24274 | 86 | 1.41 |
| Money market | **39591** | **220** | **2.20** | 38593 | 234 | 2.40 |
| Time deposits | **14396** | **120** | **3.33** | 15124 | 132 | 3.45 |
| Total interest-bearing deposits <sup>(6)</sup> | **90391** | **421** | **1.85** | 90037 | 456 | 2.01 |
| Federal funds purchased and securities sold under agreements to repurchase | **52** | **2** | **3.91** | 48 |  | 4.36 |
| Other short-term borrowings | **211** | **2** | **4.25** | 696 | 8 | 4.49 |
| Long-term borrowings | **4524** | **62** | **5.40** | 5527 | 75 | 5.39 |
| Total interest-bearing liabilities | **95178** | **487** | **2.03** | 96308 | 539 | 2.22 |
| Non-interest-bearing deposits <sup>(6)</sup> | **39459** | **—** | **—** | 39538 |  |  |
| Total funding sources | **134637** | **487** | **1.43** | 135846 | 539 | 1.57 |
| Net interest spread <sup>(2)</sup> |  |  | **3.04** |  |  | 2.87 |
| Other liabilities | **4438** |  |  | 4515 |  |  |
| Shareholders' equity | **18986** |  |  | 18688 |  |  |
| Noncontrolling interest | **46** |  |  | 40 |  |  |
|  | $**158107** |  |  | $159089 |  |  |
| Net interest income/margin FTE basis <sup>(2)</sup> |  | $**1294** | **3.70 %%** |  | $1269 | 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 $5 million for the quarter ended December 31, 2025 and $7 million for the quarter ended September 30, 2025.

(4) Interest income includes hedging expense of $44 million for the quarter ended December 31, 2025 and $58 million for the quarter ended September 30, 2025.

(5) Interest income includes hedging expense of $6 million for the quarter ended December 31, 2025 and $7 million for the quarter ended September 30, 2025.

(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% for the quarter ended December 31, 2025 and 1.39% for the quarter ended September 30, 2025.

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release**

**Consolidated Average Daily Balances and Yield/Rate Analysis (continued)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** |
| | 6/30/2025 | 6/30/2025 | 6/30/2025 | 3/31/2025 | 3/31/2025 | 3/31/2025 | 12/31/2024 | 12/31/2024 | 12/31/2024 |
| *<u>($ amounts in millions; yields on taxable-equivalent basis)</u>* | Average Balance | Income/ Expense | Yield/ Rate <sup>(1)</sup> | Average Balance | Income/ Expense | Yield/ Rate <sup>(1)</sup> | Average Balance | Income/ Expense | Yield/ Rate <sup>(1)</sup> |
| Assets |  |  |  |  |  |  |  |  |  |
| Earning assets: |  |  |  |  |  |  |  |  |  |
| Federal funds sold and securities purchased under agreements to resell | $1 | $— | 4.44% | $1 | $— | 4.44% | $1 | $— | 4.82% |
| Debt securities <sup>(2)(3)</sup> | 32882 | 286 | 3.48 | 32280 | 266 | 3.30 | 32553 | 256 | 3.16 |
| Loans held for sale | 500 | 9 | 7.14 | 441 | 8 | 7.27 | 766 | 11 | 5.63 |
| Loans, net of unearned income: |  |  |  |  |  |  |  |  |  |
| Commercial and industrial <sup>(4)</sup> | 49033 | 708 | 5.72 | 49209 | 687 | 5.58 | 49357 | 746 | 5.99 |
| Commercial real estate mortgage—owner-occupied <sup>(5)</sup> | 4900 | 63 | 5.02 | 4863 | 59 | 4.87 | 4869 | 61 | 4.90 |
| Commercial real estate construction—owner-occupied | 270 | 4 | 5.75 | 317 | 5 | 5.78 | 343 | 5 | 6.03 |
| Commercial investor real estate mortgage | 6805 | 113 | 6.55 | 6484 | 100 | 6.17 | 6491 | 105 | 6.35 |
| Commercial investor real estate construction | 2204 | 40 | 7.10 | 2267 | 40 | 7.06 | 2165 | 41 | 7.40 |
| Residential first mortgage | 19992 | 200 | 3.99 | 20037 | 198 | 3.96 | 20107 | 199 | 3.95 |
| Home equity | 5525 | 90 | 6.51 | 5509 | 91 | 6.63 | 5527 | 94 | 6.78 |
| Consumer credit card | 1397 | 50 | 14.24 | 1394 | 50 | 14.55 | 1398 | 50 | 14.37 |
| Other consumer | 5951 | 121 | 8.33 | 6042 | 124 | 8.27 | 6151 | 128 | 8.18 |
| Total loans, net of unearned income | 96077 | 1389 | 5.75 | 96122 | 1354 | 5.64 | 96408 | 1429 | 5.87 |
| Interest-bearing deposits in other banks | 8737 | 97 | 4.49 | 8537 | 94 | 4.45 | 7978 | 98 | 4.84 |
| Other earning assets | 1466 | 15 | 3.96 | 1483 | 15 | 4.19 | 1510 | 21 | 5.54 |
| Total earning assets  | 139663 | 1796 | 5.12 | 138864 | 1737 | 5.01 | 139216 | 1815 | 5.17 |
| Unrealized gains/(losses) on debt securities available for sale, net <sup>(2)</sup> | (1348) |  |  | (1716) |  |  | (1945) |  |  |
| Allowance for loan losses | (1643) |  |  | (1625) |  |  | (1621) |  |  |
| Cash and due from banks | 2893 |  |  | 2957 |  |  | 2826 |  |  |
| Other non-earning assets | 18409 |  |  | 18396 |  |  | 18032 |  |  |
|  | $157974 |  |  | $156876 |  |  | $156508 |  |  |
| Liabilities and Shareholders' Equity |  |  |  |  |  |  |  |  |  |
| Interest-bearing liabilities: |  |  |  |  |  |  |  |  |  |
| Savings | $12300 | 4 | 0.13 | $12177 | 4 | 0.13 | $12020 | 3 | 0.11 |
| Interest-bearing checking | 24865 | 88 | 1.41 | 25033 | 89 | 1.44 | 24060 | 92 | 1.52 |
| Money market | 37389 | 220 | 2.37 | 35625 | 204 | 2.32 | 35264 | 217 | 2.45 |
| Time deposits | 15334 | 135 | 3.52 | 15799 | 145 | 3.73 | 15725 | 155 | 3.92 |
| Total interest-bearing deposits <sup>(6)</sup> | 89888 | 447 | 1.99 | 88634 | 442 | 2.02 | 87069 | 467 | 2.13 |
| Federal funds purchased and securities sold under agreements to repurchase | 80 | 1 | 4.40 | 39 |  | 4.39 | 24 |  | 4.60 |
| Other short-term borrowings |  |  |  | 339 | 4 | 4.57 | 1207 | 16 | 4.93 |
| Long-term borrowings | 5660 | 77 | 5.36 | 6001 | 85 | 5.65 | 6025 | 89 | 5.80 |
| Total interest-bearing liabilities | 95628 | 525 | 2.20 | 95013 | 531 | 2.27 | 94325 | 572 | 2.41 |
| Non-interest-bearing deposits <sup>(6)</sup> | 39556 |  |  | 39053 |  |  | 39424 |  |  |
| Total funding sources | 135184 | 525 | 1.55 | 134066 | 531 | 1.60 | 133749 | 572 | 1.70 |
| Net interest spread <sup>(2)</sup> |  |  | 2.92 |  |  | 2.75 |  |  | 2.76 |
| Other liabilities | 4403 |  |  | 4652 |  |  | 4672 |  |  |
| Shareholders' equity | 18350 |  |  | 18127 |  |  | 18042 |  |  |
| Noncontrolling interest | 37 |  |  | 31 |  |  | 45 |  |  |
|  | $157974 |  |  | $156876 |  |  | $156508 |  |  |
| Net interest income/margin FTE basis <sup>(2)</sup> |  | $1271 | 3.65 %% |  | $1206 | 3.52 %% |  | $1243 | 3.55 %% |

---

_______

(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)&nbsp;&nbsp;&nbsp;&nbsp;Interest income includes hedge income of $6 million for the quarter ended June 30, 2025, $2 million for the quarter ended March 31, 2025, and zero for the quarter ended December 31, 2024.

(4) Interest income includes hedging expense of $53 million for the quarter ended June 30, 2025, $60 million for the quarter ended March 31, 2025 and $69 million for the quarter ended December 31, 2024.

(5) Interest income includes hedging expense of $7 million for the quarter ended June 30, 2025, $7 million for the quarter ended March 31, 2025 and $8 million for the quarter ended December 31, 2024.

(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 1.39% for the quarter ended June 30, 2025, 1.40% for the quarter ended March 31, 2025 and 1.47% for the quarter ended December 31, 2024.

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release**

**Consolidated Average Daily Balances and Yield/Rate Analysis (continued)** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | Twelve Months Ended December 31 | Twelve Months Ended December 31 | Twelve Months Ended December 31 | Twelve Months Ended December 31 | Twelve Months Ended December 31 | Twelve Months Ended December 31 |
| | **2025** | **2025** | **2025** | 2024 | 2024 | 2024 |
| *($ amounts in millions; yields on taxable-equivalent basis)* | **Average Balance** | **Income/ Expense** | **Yield/ Rate** <sup>(1)</sup> | Average Balance | Income/ Expense | Yield/ Rate <sup>(1)</sup> |
| Assets |  |  |  |  |  |  |
| Earning assets: |  |  |  |  |  |  |
| Federal funds sold and securities purchased under agreements to resell | $**1** | $**—** | **4.30 %%** | $1 | $— | 5.25% |
| Debt securities <sup>(2)(3)</sup> | **32966** | **1145** | **3.47** | 31989 | 925 | 2.89 |
| Loans held for sale | **562** | **35** | **6.28** | 610 | 39 | 6.30 |
| Loans, net of unearned income: |  |  |  |  |  |  |
| Commercial and industrial <sup>(4)</sup> | **49150** | **2797** | **5.62** | 49834 | 3025 | 6.04 |
| Commercial real estate mortgage—owner-occupied <sup>(5)</sup> | **4872** | **249** | **5.02** | 4836 | 233 | 4.72 |
| Commercial real estate construction—owner-occupied | **280** | **16** | **5.80** | 332 | 21 | 6.17 |
| Commercial investor real estate mortgage | **6899** | **443** | **6.33** | 6538 | 460 | 6.92 |
| Commercial investor real estate construction | **2106** | **150** | **7.04** | 2233 | 178 | 7.82 |
| Residential first mortgage | **19948** | **802** | **4.02** | 20158 | 777 | 3.86 |
| Home equity | **5530** | **363** | **6.56** | 5554 | 380 | 6.85 |
| Consumer credit card | **1417** | **203** | **14.32** | 1351 | 199 | 14.75 |
| Other consumer | **5922** | **489** | **8.25** | 6200 | 509 | 8.20 |
| Total loans, net of unearned income | **96124** | **5512** | **5.69** | 97036 | 5782 | 5.93 |
| Interest-bearing deposits in other banks | **8294** | **364** | **4.39** | 6398 | 344 | 5.37 |
| Other earning assets | **1481** | **66** | **4.49** | 1438 | 68 | 4.75 |
| Total earning assets | **139428** | **7122** | **5.07** | 137472 | 7158 | 5.18 |
| Unrealized gains/(losses) on debt securities available for sale, net <sup>(2)</sup> | **(1173)** |  |  | (2614) |  |  |
| Allowance for loan losses | **(1607)** |  |  | (1616) |  |  |
| Cash and due from banks | **2949** |  |  | 2727 |  |  |
| Other non-earning assets | **18421** |  |  | 17912 |  |  |
|  | $**158018** |  |  | $153881 |  |  |
| Liabilities and Shareholders' Equity |  |  |  |  |  |  |
| Interest-bearing liabilities: |  |  |  |  |  |  |
| Savings | $**12099** | **15** | **0.12** | $12332 | 15 | 0.12 |
| Interest-bearing checking | **24672** | **341** | **1.38** | 24090 | 395 | 1.64 |
| Money market | **37813** | **878** | **2.32** | 34586 | 930 | 2.69 |
| Time deposits | **15159** | **532** | **3.51** | 15471 | 631 | 4.08 |
| Total interest-bearing deposits <sup>(6)</sup> | **89743** | **1766** | **1.97** | 86479 | 1971 | 2.28 |
| Federal funds purchased and securities sold under agreements to repurchase | **55** | **3** | **4.27** | 15 |  | 4.74 |
| Other short-term borrowings | **312** | **14** | **4.47** | 723 | 40 | 5.24 |
| Long-term borrowings | **5424** | **299** | **5.46** | 4352 | 279 | 6.34 |
| Total interest-bearing liabilities | **95534** | **2082** | **2.18** | 91569 | 2290 | 2.50 |
| Non-interest-bearing deposits <sup>(6)</sup> | **39403** | **—** | **—** | 40136 |  |  |
| Total funding sources | **134937** | **2082** | **1.54** | 131705 | 2290 | 1.73 |
| Net interest spread <sup>(2)</sup> |  |  | **2.90** |  |  | 2.68 |
| Other liabilities | **4502** |  |  | 4653 |  |  |
| Shareholders' equity | **18541** |  |  | 17484 |  |  |
| Noncontrolling interest | **38** |  |  | 39 |  |  |
|  | $**158018** |  |  | $153881 |  |  |
| Net interest income/margin FTE basis <sup>(2)</sup> |  | $**5040** | **3.61 %%** |  | $4868 | 3.54 %% |

---

_______

(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)&nbsp;&nbsp;&nbsp;&nbsp;Interest income includes hedging income of $20 million and $7 million for the years ended December 31, 2025 and 2024, respectively.

(4) Interest income includes hedging expense of $215 million and $374 million for the years ended December 31, 2025 and 2024, respectively.

(5) Interest income includes hedging expense of $27 million and $46 million for the years ended December 31, 2025 and 2024, 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;deposit costs equal 1.37% and 1.56% for the years ended December 31, 2025 and 2024, respectively.

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 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** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** |
| *<u>($ amounts in millions)</u>* | **12/31/2025** | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | 4Q25 vs. 3Q25 | 4Q25 vs. 3Q25 | 4Q25 vs. 4Q24 | 4Q25 vs. 4Q24 |
| Net income available to common shareholders (GAAP) | $**514** | $548 | $534 | $465 | $508 | $(34) | (6.2)% | $6 | 1.2% |
| Preferred dividends and other (GAAP) <sup>(1)</sup> | **20** | 21 | 29 | 25 | 26 | (1) | (4.8)% | (6) | (23.1)% |
| Income tax expense (GAAP) | **174** | 139 | 143 | 131 | 123 | 35 | 25.2 %% | 51 | 41.5 %% |
| Income before income taxes (GAAP) | **708** | 708 | 706 | 621 | 657 |  | — % | 51 | 7.8% |
| Provision for credit losses (GAAP) | **115** | 105 | 126 | 124 | 120 | 10 | 9.5 %% | (5) | (4.2)%% |
| Pre-tax pre-provision income (non-GAAP) | **823** | 813 | 832 | 745 | 777 | 10 | 1.2% | 46 | 5.9% |
| Other adjustments: |  |  |  |  |  |  |  |  |  |
| Securities (gains) losses, net | **—** | 25 |  | 25 | 30 | (25) | (100.0)% | (30) | (100.0)% |
| FDIC insurance special assessment | **(14)** | (3) | (1) | 1 | (2) | (11) | (366.7)% | (12) | NM |
| Salaries and employee benefits—severance charges | **—** |  | 1 | 1 | 10 |  | NM | (10) | (100.0)% |
| Branch consolidation, property and equipment charges | **—** | (5) |  |  | 1 | 5 | (100.0)% | (1) | (100.0)% |
| Professional, legal and regulatory expenses | **—** |  |  | 2 |  |  | NM |  | NM |
| Total other adjustments | **(14)** | 17 |  | 29 | 39 | (31) | (182.4)%% | (53) | (135.9)%% |
| Adjusted pre-tax pre-provision income (non-GAAP) | $**809** | $830 | $832 | $774 | $816 | $(21) | (2.5)%% | $(7) | (0.9)%% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **Year Ended** | **Year Ended** | **Year Ended** | **Year Ended** |
| *<u>($ amounts in millions)</u>* | 2025 | 2024 | **2025 vs 2024** | **2025 vs 2024** |
| Net income available to common shareholders (GAAP) | $**2061** | $1774 | $287 | 16.2% |
| Preferred dividends and other (GAAP) <sup>(1)</sup> | **95** | 119 | (24) | (20.2)% |
| Income tax expense (GAAP) | **587** | 461 | 126 | 27.3 %% |
| Income before income taxes (GAAP) | **2743** | 2354 | 389 | 16.5% |
| Provision for credit losses (GAAP) | **470** | 487 | (17) | (3.5)%% |
| Pre-tax pre-provision income (non-GAAP) | **3213** | 2841 | 372 | 13.1% |
| Other adjustments: |  |  |  |  |
| Securities (gains) losses, net | **50** | 208 | (158) | (76.0)% |
| FDIC insurance special assessment | **(17)** | 16 | (33) | (206.3)% |
| Salaries and employee benefits—severance charges | **2** | 30 | (28) | (93.3)% |
| Branch consolidation, property and equipment charges | **(5)** | 3 | (8) | (266.7)% |
| Professional, legal and regulatory expenses | **2** | 3 | (1) | (33.3)% |
| Other miscellaneous expenses <sup>(2)</sup> | **—** | (37) | 37 | 100.0 %% |
| Total other adjustments | **32** | 223 | (191) | (85.7)%% |
| **Adjusted pre-tax pre-provision income (non-GAAP)** | $**3245** | $3064 | $181 | 5.9 %% |

---

_____

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. The year ended 2024 amount includes $15 million of deferred issuance costs recognized upon the redemption of Series B preferred stock.

(2) The year ended 2024 amount includes a contingent reserve release to a previous acquisition.

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release**

**Non-Interest Income**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** |
| *<u>($ amounts in millions)</u>* | **12/31/2025** | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | 4Q25 vs. 3Q25 | 4Q25 vs. 3Q25 | 4Q25 vs. 4Q24 | 4Q25 vs. 4Q24 |
| Service charges on deposit accounts | $**163** | $160 | $151 | $161 | $155 | $3 | 1.9% | $8 | 5.2% |
| Card and ATM fees | **123** | 122 | 125 | 117 | 113 | 1 | 0.8% | 10 | 8.8% |
| Wealth management income | **143** | 139 | 133 | 129 | 126 | 4 | 2.9% | 17 | 13.5% |
| Capital markets income <sup>(1)</sup> | **80** | 104 | 83 | 80 | 97 | (24) | (23.1)% | (17) | (17.5)% |
| Mortgage income | **32** | 38 | 48 | 40 | 35 | (6) | (15.8)% | (3) | (8.6)% |
| Commercial credit fee income | **30** | 28 | 29 | 27 | 28 | 2 | 7.1% | 2 | 7.1% |
| Bank-owned life insurance | **23** | 25 | 24 | 23 | 21 | (2) | (8.0)% | 2 | 9.5% |
| Market value adjustments on employee benefit assets <sup>(2)</sup> | **(5)** | 12 | 16 | (3) | (5) | (17) | (141.7)% |  | — % |
| Securities gains (losses), net | **—** | (27) | (1) | (25) | (30) | 27 | 100.0% | 30 | 100.0% |
| Other miscellaneous income | **51** | 58 | 38 | 41 | 45 | (7) | (12.1)%% | 6 | 13.3 %% |
| Total non-interest income | $**640** | $659 | $646 | $590 | $585 | $(19) | (2.9)%% | $55 | 9.4 %% |

---

**Service Charges on Deposit Accounts by Segment**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** |
| *<u>($ amounts in millions)</u>* | **12/31/2025** | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | 4Q25 vs. 3Q25 | 4Q25 vs. 3Q25 | 4Q25 vs. 4Q24 | 4Q25 vs. 4Q24 |
| Consumer Bank Segment <sup>(3)</sup> | $**101** | $99 | $90 | $96 | $98 | $2 | 2.0% | $3 | 3.1% |
| Corporate Bank Segment <sup>(4)</sup> | **61** | 61 | 60 | 64 | 56 |  | — % | 5 | 8.9% |
| Wealth Management Segment | **1** |  | 1 | 1 | 1 | 1 | NM |  | — %% |
| Total service charges on deposit accounts | $**163** | $160 | $151 | $161 | $155 | $3 | 1.9 %% | $8 | 5.2 %% |

---

**Wealth Management Income**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** |
| *<u>($ amounts in millions)</u>* | **12/31/2025** | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | 4Q25 vs. 3Q25 | 4Q25 vs. 3Q25 | 4Q25 vs. 4Q24 | 4Q25 vs. 4Q24 |
| Investment management and trust fee income | $**95** | $91 | $90 | $86 | $89 | $4 | 4.4% | $6 | 6.7% |
| Investment services fee income | **48** | 48 | 43 | 43 | 37 |  | — %% | 11 | 29.7 %% |
| Total wealth management income <sup>(5)</sup> | $**143** | $139 | $133 | $129 | $126 | $4 | 2.9 %% | $17 | 13.5 %% |

---

**Capital Markets Income**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** |
| *<u>($ amounts in millions)</u>* | **12/31/2025** | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | 4Q25 vs. 3Q25 | 4Q25 vs. 3Q25 | 4Q25 vs. 4Q24 | 4Q25 vs. 4Q24 |
| Capital markets income | $**80** | $104 | $83 | $80 | $97 | $(24) | (23.1)% | $(17) | (17.5)% |
| Less: Valuation adjustments on customer derivatives <sup>(6)</sup> | **—** |  | (2) | (1) | (1) |  | NM | 1 | 100.0 %% |
| Capital markets income excluding valuation adjustments | $**80** | $104 | $85 | $81 | $98 | $(24) | (23.1)%% | $(18) | (18.4)%% |

---

**Mortgage Income**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** |
| *<u>($ amounts in millions)</u>* | **12/31/2025** | **12/31/2025** | 9/30/2025 | 9/30/2025 | 6/30/2025 | 6/30/2025 | 3/31/2025 | 3/31/2025 | 12/31/2024 | 12/31/2024 | 4Q25 vs. 3Q25 | 4Q25 vs. 3Q25 | 4Q25 vs. 4Q24 | 4Q25 vs. 4Q24 |
| Production and sales | **$** | **17** | $| 17 | $| 17 | $| 13 | $| 14 | $— | — % | $3 | 21.4% |
| Loan servicing | **47** | **47** | 47 | 47 | 47 | 47 | 47 | 47 | 48 | 48 |  | — % | (1) | (2.1)% |
| MSR and related hedge impact: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| MSRs fair value increase (decrease) due to change in valuation inputs or assumptions | **13** | **13** | 1 | 1 | 16 | 16 | (10) | (10) | 56 | 56 | 12 | NM | (43) | (76.8)% |
| MSRs hedge gain (loss) | **(16)** | **(16)** | 1 | 1 | (4) | (4) | 18 | 18 | (53) | (53) | (17) | NM | 37 | 69.8% |
| MSRs change due to payment decay | **(29)** | **(29)** | (28) | (28) | (28) | (28) | (28) | (28) | (30) | (30) | (1) | (3.6)%% | 1 | 3.3 %% |
| MSR and related hedge impact | **(32)** | **(32)** | (26) | (26) | (16) | (16) | (20) | (20) | (27) | (27) | (6) | (23.1)%% | (5) | (18.5)%% |
| Total mortgage income | **$** | **32** | $| 38 | $| 48 | $| 40 | $| 35 | $(6) | (15.8)%% | $(3) | (8.6)%% |
| Mortgage production - portfolio | **$** | **463** | $| 465 | $| 602 | $| 355 | $| 413 | $(2) | (0.4)% | $50 | 12.1% |
| Mortgage production - agency/secondary market | **494** | **494** | 504 | 504 | 516 | 516 | 371 | 371 | 462 | 462 | (10) | (2.0)%% | 32 | 6.9 %% |
| Total mortgage production | **$** | **957** | $| 969 | $| 1118 | $| 726 | $| 875 | $(12) | (1.2)%% | $82 | 9.4 %% |
| Mortgage production - purchased | **71.7%** | **71.7 %%** | 81.4% | 81.4% | 82.5% | 82.5% | 82.9% | 82.9% | 82.3% | 82.3% |  |  |  |  |
| Mortgage production - refinanced | **28.3%** | **28.3 %%** | 18.6% | 18.6% | 17.5% | 17.5% | 17.1% | 17.1% | 17.7% | 17.7% |  |  |  |  |

---

_________

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.

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release**

**Non-Interest Income**

---

| | | | | |
|:---|:---|:---|:---|:---|
| *<u>($ amounts in millions)</u>* | **Twelve Months Ended** | **Twelve Months Ended** | **Year-to-Date Change 12/31/2025 vs. 12/31/2024** | **Year-to-Date Change 12/31/2025 vs. 12/31/2024** |
|  | **12/31/2025** | **12/31/2024** | **Amount** | **Percent** |
| Service charges on deposit accounts | $**635** | $612 | $23 | 3.8% |
| Card and ATM fees | **487** | 467 | 20 | 4.3% |
| Wealth management income | **544** | 495 | 49 | 9.9% |
| Capital markets income <sup>(1)</sup> | **347** | 348 | (1) | (0.3)% |
| Mortgage income | **158** | 146 | 12 | 8.2% |
| Commercial credit fee income | **114** | 111 | 3 | 2.7% |
| Bank-owned life insurance | **95** | 102 | (7) | (6.9)% |
| Market value adjustments on employee benefit assets <sup>(2)</sup> | **20** | 25 | (5) | (20.0)% |
| Securities gains (losses), net | **(53)** | (208) | 155 | 74.5% |
| Other miscellaneous income | **188** | 167 | 21 | 12.6 %% |
| Total non-interest income | $**2535** | $2265 | $270 | 11.9 %% |

---

**Service Charges on Deposit Accounts by Segment**

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **Twelve Months Ended** | **Twelve Months Ended** | **Year-to-Date Change 12/31/2025 vs. 12/31/2024** | **Year-to-Date Change 12/31/2025 vs. 12/31/2024** |
| *<u>($ amounts in millions)</u>* | **12/31/2025** | **12/31/2024** | **Amount** | **Percent** |
| Consumer Bank Segment <sup>(3)</sup> | $**386** | $385 | $1 | 0.3% |
| Corporate Bank Segment <sup>(4)</sup> | **246** | 223 | 23 | 10.3% |
| Wealth Management Segment | **3** | 3 |  | — % |
| Other | **—** | 1 | (1) | (100.0)%% |
| Total service charges on deposit accounts | $**635** | $612 | $23 | 3.8 %% |

---

**Wealth Management Income**

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **Twelve Months Ended** | **Twelve Months Ended** | **Year-to-Date Change 12/31/2025 vs. 12/31/2024** | **Year-to-Date Change 12/31/2025 vs. 12/31/2024** |
| *<u>($ amounts in millions)</u>* | **12/31/2025** | **12/31/2024** | **Amount** | **Percent** |
| Investment management and trust fee income | $**362** | $338 | $24 | 7.1% |
| Investment services fee income | **182** | 157 | 25 | 15.9 %% |
| Total wealth management income <sup>(5)</sup> | $**544** | $495 | $49 | 9.9 %% |

---

**Capital Markets Income**

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **Twelve Months Ended** | **Twelve Months Ended** | **Year-to-Date Change 12/31/2025 vs. 12/31/2024** | **Year-to-Date Change 12/31/2025 vs. 12/31/2024** |
| *<u>($ amounts in millions)</u>* | **12/31/2025** | **12/31/2024** | **Amount** | **Percent** |
| Capital markets income | $**347** | $348 | $(1) | (0.3)% |
| Less: Valuation adjustments on customer derivatives <sup>(6)</sup> | **(3)** | (6) | 3 | 50.0 %% |
| Capital markets income excluding valuation adjustments | $**350** | $354 | $(4) | (1.1)%% |

---

**Mortgage Income** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Twelve Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** | **Year-to-Date Change 12/31/2025 vs. 12/31/2024** | **Year-to-Date Change 12/31/2025 vs. 12/31/2024** |
| *<u>($ amounts in millions)</u>* | **12/31/2025** | **12/31/2025** | **12/31/2024** | **12/31/2024** | **Amount** | **Percent** |
| Production and sales | **$** | **64** | $| 70 | $(6) | (8.6)% |
| Loan servicing | **188** | **188** | 191 | 191 | (3) | (1.6)% |
| MSR and related hedge impact: |  |  |  |  |  |  |
| MSRs fair value increase (decrease) due to change in valuation inputs or assumptions | **20** | **20** | 60 | 60 | (40) | (66.7)% |
| MSRs hedge gain | **(1)** | **(1)** | (52) | (52) | 51 | 98.1% |
| MSRs change due to payment decay | **(113)** | **(113)** | (123) | (123) | 10 | 8.1 %% |
| MSR and related hedge impact | **(94)** | **(94)** | (115) | (115) | 21 | 18.3 %% |
| Total mortgage income | **$** | **158** | $| 146 | $12 | 8.2 %% |
| Mortgage production - portfolio | **$** | **1885** | $| 1763 | $122 | 6.9% |
| Mortgage production - agency/secondary market | **1885** | **1885** | 1923 | 1923 | (38) | (2.0)%% |
| Total mortgage production | **$** | **3770** | $| 3686 | $84 | 2.3 %% |
| Mortgage production - purchased | **79.5%** | **79.5 %%** | 87.1% | 87.1% |  |  |
| Mortgage production - refinanced | **20.5%** | **20.5 %%** | 12.9% | 12.9% |  |  |

---

_________

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.

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release**

**Non-Interest Expense** 

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** |
| *<u>($ amounts in millions)</u>* | **12/31/2025** | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | 4Q25 vs. 3Q25 | 4Q25 vs. 3Q25 | 4Q25 vs. 4Q24 | 4Q25 vs. 4Q24 |
| Salaries and employee benefits | $**662** | $671 | $658 | $625 | $617 | $(9) | (1.3)% | $45 | 7.3% |
| Equipment and software expense | **112** | 106 | 104 | 99 | 104 | 6 | 5.7% | 8 | 7.7% |
| Net occupancy expense | **74** | 72 | 72 | 70 | 67 | 2 | 2.8% | 7 | 10.4% |
| Outside services | **45** | 42 | 39 | 40 | 42 | 3 | 7.1% | 3 | 7.1% |
| Marketing | **29** | 28 | 26 | 30 | 28 | 1 | 3.6% | 1 | 3.6% |
| Professional, legal and regulatory expenses | **30** | 30 | 28 | 23 | 20 |  | — % | 10 | 50.0% |
| Credit/checkcard expenses | **18** | 15 | 16 | 15 | 16 | 3 | 20.0% | 2 | 12.5% |
| FDIC insurance assessments | **3** | 15 | 20 | 20 | 20 | (12) | (80.0)% | (17) | (85.0)% |
| Visa class B shares expense | **8** | 8 | 4 | 7 | 6 |  | — % | 2 | 33.3% |
| Operational losses | **9** | 18 | 13 | 13 | 16 | (9) | (50.0)% | (7) | (43.8)% |
| Branch consolidation, property and equipment charges | **—** | (5) |  |  | 1 | 5 | 100.0% | (1) | (100.0)% |
| Other miscellaneous expenses | **108** | 103 | 93 | 97 | 101 | 5 | 4.9 %% | 7 | 6.9 %% |
| Total non-interest expense | $**1098** | $1103 | $1073 | $1039 | $1038 | $(5) | (0.5)%% | $60 | 5.8 %% |

---

**Salaries and Benefits Expense**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** |
| *<u>($ amounts in millions)</u>* | **12/31/2025** | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | 4Q25 vs. 3Q25 | 4Q25 vs. 3Q25 | 4Q25 vs. 4Q24 | 4Q25 vs. 4Q24 |
| Salaries and employee benefits | $**662** | $671 | $658 | $625 | $617 | $(9) | (1.3)% | $45 | 7.3% |
| Less: Market value adjustments on 401(k) liabilities <sup>(1)</sup> | **6** | 13 | 16 | (1) | (1) | (7) | (53.8)%% | 7 | NM |
| Salaries and employee benefits less market value adjustments on employee benefits liabilities | $**656** | $658 | $642 | $626 | $618 | $(2) | (0.3)%% | $38 | 6.1 %% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **Twelve Months Ended** | **Twelve Months Ended** | **Year-to-Date Change 12/31/2025 vs. 12/31/2024** | **Year-to-Date Change 12/31/2025 vs. 12/31/2024** |
| *<u>($ amounts in millions)</u>* | **12/31/2025** | 12/31/2024 | **Amount** | **Percent** |
| Salaries and employee benefits | $**2616** | $2529 | $87 | 3.4% |
| Equipment and software expense | **421** | 406 | 15 | 3.7% |
| Net occupancy expense | **288** | 278 | 10 | 3.6% |
| Outside services | **166** | 162 | 4 | 2.5% |
| Marketing | **113** | 110 | 3 | 2.7% |
| Professional, legal and regulatory expenses | **111** | 94 | 17 | 18.1% |
| Credit/checkcard expenses | **64** | 59 | 5 | 8.5% |
| FDIC insurance assessments | **58** | 109 | (51) | (46.8)% |
| Visa class B shares expense | **27** | 32 | (5) | (15.6)% |
| Operational losses | **53** | 95 | (42) | (44.2)% |
| Branch consolidation, property and equipment charges | **(5)** | 3 | (8) | (266.7)% |
| Other miscellaneous expenses | **401** | 365 | 36 | 9.9 %% |
| Total non-interest expense | $**4313** | $4242 | $71 | 1.7 %% |

---

**Salaries and Benefits Expense**

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **Twelve Months Ended** | **Twelve Months Ended** | **Year-to-Date Change 12/31/2025 vs. 12/31/2024** | **Year-to-Date Change 12/31/2025 vs. 12/31/2024** |
| *<u>($ amounts in millions)</u>* | **12/31/2025** | 12/31/2024 | **Amount** | **Percent** |
| Salaries and employee benefits | $**2616** | $2529 | $87 | 3.4% |
| Less: Market value adjustments on 401(k) liabilities <sup>(1)</sup> | **34** | 33 | 1 | 3.0 %% |
| Salaries and employee benefits less market value adjustments on employee benefits liabilities | $**2582** | $2496 | $86 | 3.4 %% |

---

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 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** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** |
| *<u>($ amounts in millions)</u>* |  | **12/31/2025** | **12/31/2025** | 9/30/2025 | 9/30/2025 | 6/30/2025 | 6/30/2025 | 3/31/2025 | 3/31/2025 | 12/31/2024 | 4Q25 vs. 3Q25 | 4Q25 vs. 3Q25 | 4Q25 vs. 4Q24 | 4Q25 vs. 4Q24 |
| Non-interest expense (GAAP) | **A** | **$** | **1098** | $| 1103 | $| 1073 | $| 1039 | 1038 | $(5) | (0.5)% | $60 | 5.8% |
| Adjustments: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FDIC insurance special assessment |  | **14** | **14** | 3 | 3 | 1 | 1 | (1) | (1) | 2 | 11 | 366.7% | 12 | NM |
| Branch consolidation, property and equipment charges |  | **—** | **—** | 5 | 5 |  |  |  |  | (1) | (5) | (100.0)% | 1 | 100.0% |
| Salaries and employee benefits—severance charges |  | **—** | **—** |  |  | (1) | (1) | (1) | (1) | (10) |  | NM | 10 | 100.0% |
| Professional, legal and regulatory expenses |  | **—** | **—** |  |  |  |  | (2) | (2) |  |  | NM |  | NM |
| Adjusted non-interest expense (non-GAAP) | **B** | **$** | **1112** | $| 1111 | $| 1073 | $| 1035 | 1029 | $1 | 0.1 %% | $83 | 8.1 %% |
| Net interest income (GAAP) | **C** | **$** | **1281** | $| 1257 | $| 1259 | $| 1194 | 1230 | $24 | 1.9% | $51 | 4.1% |
| Taxable-equivalent adjustment |  | **13** | **13** | 12 | 12 | 12 | 12 | 12 | 12 | 13 | 1 | 8.3 %% |  | — %% |
| Net interest income, taxable-equivalent basis (GAAP) | **D** | **$** | **1294** | $| 1269 | $| 1271 | $| 1206 | 1243 | $25 | 2.0 %% | $51 | 4.1 %% |
| Non-interest income (GAAP) | **E** | **$** | **640** | $| 659 | $| 646 | $| 590 | 585 | $(19) | (2.9)% | $55 | 9.4% |
| Adjustments: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Securities (gains) losses, net |  | **—** | **—** | 25 | 25 |  |  | 25 | 25 | 30 | (25) | (100.0)%% | (30) | (100.0)%% |
| Adjusted non-interest income (non-GAAP) | **F** | **$** | **640** | $| 684 | $| 646 | $| 615 | 615 | $(44) | (6.4)%% | $25 | 4.1 %% |
| Total revenue (GAAP) | **C+E=G** | **$** | **1921** | $| 1916 | $| 1905 | $| 1784 | 1815 | $5 | 0.3 %% | $106 | 5.8 %% |
| Adjusted total revenue (non-GAAP) | **C+F=H** | **$** | **1921** | $| 1941 | $| 1905 | $| 1809 | 1845 | $(20) | (1.0)%% | $76 | 4.1 %% |
| Total revenue, taxable-equivalent basis (GAAP) | **D+E=I** | **$** | **1934** | $| 1928 | $| 1917 | $| 1796 | 1828 | $6 | 0.3 %% | $106 | 5.8 %% |
| Adjusted total revenue, taxable-equivalent basis (non-GAAP) | **D+F=J** | **$** | **1934** | $| 1953 | $| 1917 | $| 1821 | 1858 | $(19) | (1.0)%% | $76 | 4.1 %% |
| Operating leverage ratio (GAAP) <sup>(1)</sup> | **I-A** |  |  |  |  |  |  |  |  |  |  | 0.7% |  | — % |
| Adjusted operating leverage ratio (non-GAAP) <sup>(1)</sup> | **J-B** |  |  |  |  |  |  |  |  |  |  | (1.1)% |  | (3.9)% |
| Efficiency ratio (GAAP) <sup>(1)</sup> | **A/I** | **56.8%** | **56.8 %%** | 57.2% | 57.2% | 56.0% | 56.0% | 57.9% | 57.9% | 56.8% |  |  |  |  |
| Adjusted efficiency ratio (non-GAAP) <sup>(1)</sup> | **B/J** | **57.5%** | **57.5 %%** | 56.9% | 56.9% | 56.0% | 56.0% | 56.8% | 56.8% | 55.4% |  |  |  |  |
| Fee income ratio (GAAP) <sup>(1)</sup> | **E/I** | **33.1%** | **33.1 %%** | 34.2% | 34.2% | 33.7% | 33.7% | 32.9% | 32.9% | 32.0% |  |  |  |  |
| Adjusted fee income ratio (non-GAAP) <sup>(1)</sup> | **F/J** | **33.1%** | **33.1 %%** | 35.0% | 35.0% | 33.7% | 33.7% | 33.8% | 33.8% | 33.1% |  |  |  |  |

---

________

NM - Not Meaningful

(1) Amounts have been calculated using whole dollar values.

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 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)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** |
| *($ amounts in millions)* |  | **2025** | **2025** | 2024 | 2025 vs. 2024 | 2025 vs. 2024 |
| Non-interest expense (GAAP) | **A** | **$** | **4313** | 4242 | $71 | 1.7% |
| Adjustments: |  |  |  |  |  |  |
| FDIC insurance special assessment |  | **17** | **17** | (16) | 33 | 206.3% |
| Branch consolidation, property and equipment charges |  | **5** | **5** | (3) | 8 | 266.7% |
| Salaries and employee benefits—severance charges |  | **(2)** | **(2)** | (30) | 28 | 93.3% |
| Professional, legal and regulatory expenses |  | **(2)** | **(2)** | (3) | 1 | 33.3% |
| Other miscellaneous expenses <sup>(1)</sup> |  | **—** | **—** | 37 | (37) | (100.0)%% |
| Adjusted non-interest expense (non-GAAP) | **B** | **$** | **4331** | 4227 | $104 | 2.5 %% |
| Net interest income (GAAP) | **C** | **$** | **4991** | 4818 | $173 | 3.6% |
| Taxable-equivalent adjustment |  | **49** | **49** | 50 | (1) | (2.0)%% |
| Net interest income, taxable-equivalent basis | **D** | **$** | **5040** | 4868 | $172 | 3.5 %% |
| Non-interest income (GAAP) | **E** | **$** | **2535** | 2265 | $270 | 11.9% |
| Adjustments: |  |  |  |  |  |  |
| Securities (gains) losses, net |  | **50** | **50** | 208 | (158) | (76.0)%% |
| Adjusted non-interest income (non-GAAP) | **F** | **$** | **2585** | 2473 | $112 | 4.5 %% |
| Total revenue (GAAP) | **C+E= G** | **$** | **7526** | 7083 | $443 | 6.3 %% |
| Adjusted total revenue (non-GAAP) | **C+F=H** | **$** | **7576** | 7291 | $285 | 3.9 %% |
| Total revenue, taxable-equivalent basis (GAAP) | **D+E=I** | **$** | **7575** | 7133 | $442 | 6.2 %% |
| Adjusted total revenue, taxable-equivalent basis (non-GAAP) | **D+F=J** | **$** | **7625** | 7341 | $284 | 3.9 %% |
| Operating leverage ratio (GAAP) <sup>(2)</sup> | **I-A** |  |  |  |  | 4.5% |
| Adjusted operating leverage ratio (non-GAAP) <sup>(2)</sup> | **J-B** |  |  |  |  | 1.4% |
| Efficiency ratio (GAAP) <sup>(2)</sup> | **A/I** | **56.9%** | **56.9 %%** | 59.5% |  |  |
| Adjusted efficiency ratio (non-GAAP) <sup>(2)</sup> | **B/J** | **56.8%** | **56.8 %%** | 57.6% |  |  |
| Fee income ratio (GAAP) <sup>(2)</sup> | **E/I** | **33.5%** | **33.5 %%** | 31.8% |  |  |
| Adjusted fee income ratio (non-GAAP) <sup>(2)</sup> | **F/J** | **33.9%** | **33.9 %%** | 33.7% |  |  |

---

______

NM - Not Meaningful

(1) In the second quarter of 2024, the Company had a contingent reserve release related to a previous acquisition.

(2)Amounts have been calculated using whole dollar values.

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 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** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** |
| *<u>($ amounts in millions)</u>* |  | **12/31/2025** | **12/31/2025** | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | 4Q25 vs. 3Q25 | 4Q25 vs. 3Q25 | 4Q25 vs. 4Q24 | 4Q25 vs. 4Q24 |
| Net income available to common shareholders (GAAP) | **A** | **$** | **514** | 548 | 534 | 465 | 508 | $(34) | (6.2)% | $6 | 1.2% |
| Adjustments: |  |  |  |  |  |  |  |  |  |  |  |
| Securities (gains) losses, net |  | **—** | **—** | 25 |  | 25 | 30 | (25) | (100.0)% | (30) | (100.0)% |
| FDIC insurance special assessment |  | **(14)** | **(14)** | (3) | (1) | 1 | (2) | (11) | (366.7)% | (12) | NM |
| Salaries and employee benefits—severance charges |  | **—** | **—** |  | 1 | 1 | 10 |  | NM | (10) | (100.0)% |
| Branch consolidation, property and equipment charges |  | **—** | **—** | (5) |  |  | 1 | 5 | 100.0% | (1) | (100.0)% |
| Professional, legal and regulatory expenses |  | **—** | **—** |  |  | 2 |  |  | NM |  | NM |
| Preferred stock redemption expense <sup>(1)</sup> |  | **—** | **—** |  | 4 |  |  |  | NM |  | NM |
| Total adjustments |  | **(14)** | **(14)** | 17 | 4 | 29 | 39 | $(31) | (182.4)%% | $(53) | (135.9)%% |
| Tax impact of adjusted items <sup>(2)</sup> |  | **4** | **4** | (4) |  | (7) | (9) | 8 | 200.0 %% | 13 | 144.4 %% |
| Adjusted net income available to common shareholders (non-GAAP) | **B** | **$** | **504** | 561 | 538 | 487 | 538 | $(57) | (10.2)%% | $(34) | (6.3)%% |
| Weighted-average diluted shares | **C** | **880** | **880** | 894 | 900 | 910 | 915 |  |  |  |  |
| Diluted EPS (GAAP) <sup>(3)</sup> | **A/C** | **$** | **0.58** | 0.61 | 0.59 | 0.51 | 0.56 | $(0.03) | (4.9)% | $0.02 | 3.6% |
| Adjusted diluted EPS (non-GAAP) <sup>(3)</sup> | **B/C** | **$** | **0.57** | 0.63 | 0.60 | 0.54 | 0.59 | $(0.06) | (9.5)% | $(0.02) | (3.4)% |
| Average shareholders' equity (GAAP) |  | **18986** | **18986** | 18688 | 18350 | 18127 | 18042 | 298 | 1.6% | 944 | 5.2% |
| Less: Average preferred stock (GAAP) |  | **1369** | **1369** | 1369 | 1513 | 1715 | 1715 |  | — %% | (346) | (20.2)%% |
| Average common shareholders' equity (GAAP) | **D** | **17617** | **17617** | 17319 | 16837 | 16412 | 16327 | 298 | 1.7% | 1290 | 7.9% |
| Less: |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Average intangible assets (GAAP) |  | **5876** | **5876** | 5883 | 5891 | 5899 | 5907 | (7) | (0.1)% | (31) | (0.5)% |
| &nbsp;&nbsp;&nbsp;&nbsp;Average deferred tax liability related to intangibles (GAAP) |  | **(135)** | **(135)** | (131) | (127) | (126) | (123) | (4) | (3.1)%% | (12) | (9.8)%% |
| Average tangible common shareholders' equity (non-GAAP) | **E** | **$** | **11876** | 11567 | 11073 | 10639 | 10543 | 309 | 2.7 %% | 1333 | 12.6 %% |
| Return on average common shareholders' equity (GAAP) <sup>(3)</sup>\* | **A/D** | **11.58%** | **11.58 %%** | 12.56% | 12.72% | 11.49% | 12.39% |  |  |  |  |
| Return on average tangible common shareholders' equity (non-GAAP) <sup>(3)</sup>\* | **A/E** | **17.17%** | **17.17 %%** | 18.81% | 19.34% | 17.72% | 19.19% |  |  |  |  |
| Adjusted return on average tangible common shareholders' equity (non-GAAP) <sup>(3)</sup>\* | **B/E** | **16.84%** | **16.84 %%** | 19.24% | 19.48% | 18.58% | 20.30% |  |  |  |  |

---

_______

\*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.

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** |
| | | **2025** | **2025** | 2024 | 2025 vs. 2024 | 2025 vs. 2024 |
| *<u>($ amounts in millions)</u>* |  |  |  |  |  |  |
| Net income available to common shareholders (GAAP) | **A** | **$** | **2061** | 1774 | $287 | 16.2% |
| Adjustments: |  |  |  |  |  |  |
| Securities (gains) losses, net |  | **50** | **50** | 208 | (158) | (76.0)% |
| FDIC insurance special assessment |  | **(17)** | **(17)** | 16 | (33) | (206.3)% |
| Salaries and employee benefits—severance charges |  | **2** | **2** | 30 | (28) | (93.3)% |
| Branch consolidation, property and equipment charges |  | **(5)** | **(5)** | 3 | (8) | (266.7)% |
| Professional, legal and regulatory expenses |  | **2** | **2** | 3 | (1) | (33.3)% |
| Other miscellaneous expenses <sup>(1)</sup> |  | **—** | **—** | (37) | 37 | (100.0)% |
| Preferred stock redemption expense <sup>(2)</sup> |  | **4** | **4** | 15 | (11) | (73.3)%% |
| Total adjustments |  | **36** | **36** | 238 | (202) | (84.9)%% |
| Tax impact of adjusted items <sup>(3)</sup> |  | **(7)** | **(7)** | (60) | 53 | 88.3 %% |
| Adjusted net income available to common shareholders (non-GAAP) | **B** | **2090** | **2090** | 1952 | 138 | 7.1% |
| Weighted-average diluted shares | **C** | **896** | **896** | 918 | (22) | (2.4)% |
| Diluted EPS (GAAP) <sup>(4)</sup> | **A/C** | **$** | **2.30** | 1.93 | 0.37 | 19.2% |
| Adjusted diluted EPS (non-GAAP) <sup>(4)</sup> | **B/C** | **$** | **2.33** | 2.13 | 0.20 | 9.4% |
| Average shareholders' equity (GAAP) |  | **$** | **18541** | 17484 | 1057 | 6.0% |
| Less: Average preferred stock (GAAP) |  | **1491** | **1491** | 1693 | (202) | (11.9)%% |
| Average common shareholders' equity (GAAP) | **D** | **$** | **17050** | 15791 | 1259 | 8.0% |
| Less: |  |  |  |  |  |  |
| Average intangible assets (GAAP) |  | **5887** | **5887** | 5920 | (33) | (0.6)% |
| Average deferred tax liability related to intangibles (GAAP) |  | **(130)** | **(130)** | (117) | (13) | (11.1)%% |
| Average tangible common shareholders' equity (non-GAAP) | **E** | **11293** | **11293** | 9988 | 1305 | 13.1 %% |
| Return on average common shareholders' equity (GAAP) <sup>(4)</sup> | **A/D** | **12.09%** | **12.09 %%** | 11.24% |  |  |
| Return on average tangible common shareholders' equity (non-GAAP) <sup>(4)</sup> | **A/E** | **18.25%** | **18.25 %%** | 17.77% |  |  |
| Adjusted return on average tangible common shareholders' equity (non-GAAP) <sup>(4)</sup> | **B/E** | **18.51%** | **18.51 %%** | 19.55% |  |  |

---

_______

NM - Not Meaningful

(1) A portion of this item was non-taxable.

(2) In the second quarter of 2025 and the third quarter of 2024, the Company redeemed its Series D preferred stock and Series B preferred stock, respectively. The initial issuance costs reduced net income to common shareholders when the shares were redeemed. This is a non-taxable expense.

(3) Unless separately noted, the tax impact for adjustments has been calculated using a nominal tax rate of 25 percent.

(4) Amounts calculated based upon whole dollar values.

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 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** | **As of and for Quarter Ended** | **As of and for Quarter Ended** | **As of and for Quarter Ended** | **As of and for Quarter Ended** |
| *<u>($ amounts in millions, except per share data)</u>* |  | **12/31/2025** | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 |
| **TANGIBLE COMMON RATIOS** |  |  |  |  |  |  |
| Shareholders' equity (GAAP) | **A** | $**19043** | $19049 | $18666 | $18530 | $17879 |
| Less: Preferred stock (GAAP) |  | **1369** | 1369 | 1369 | 1715 | 1715 |
| Common shareholders' equity (GAAP) | **B** | **17674** | 17680 | 17297 | 16815 | 16164 |
| Less: |  |  |  |  |  |  |
| Intangible assets (GAAP) |  | **5873** | 5879 | 5886 | 5894 | 5902 |
| Deferred tax liability related to intangibles (GAAP) |  | **(138)** | (133) | (130) | (126) | (126) |
| Tangible common shareholders' equity (non-GAAP) | **C** | $**11939** | $11934 | $11541 | $11047 | $10388 |
| Total assets (GAAP) | **D** | $**159553** | $159940 | $159206 | $159846 | $157302 |
| Less: |  |  |  |  |  |  |
| Intangible assets (GAAP) |  | **5873** | 5879 | 5886 | 5894 | 5902 |
| Deferred tax liability related to intangibles (GAAP) |  | **(138)** | (133) | (130) | (126) | (126) |
| Tangible assets (non-GAAP) | **E** | $**153818** | $154194 | $153450 | $154078 | $151526 |
| Shares outstanding—end of quarter | **F** | **868** | 885 | 894 | 899 | 909 |
| Total equity to total assets (GAAP) <sup>(1)</sup> | **A/D** | **11.94 %%** | 11.91% | 11.72% | 11.59% | 11.37% |
| Tangible common shareholders' equity to tangible assets (non-GAAP) <sup>(1)</sup> | **C/E** | **7.76 %%** | 7.74% | 7.52% | 7.17% | 6.86% |
| Common book value per share (GAAP) <sup>(1)</sup> | **B/F** | $**20.36** | $19.98 | $19.35 | $18.70 | $17.77 |
| Tangible common book value per share (non-GAAP) <sup>(1)</sup> | **C/F** | $**13.75** | $13.49 | $12.91 | $12.29 | $11.42 |

---

____

(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** | **Quarter-Ended** | **Quarter-Ended** | **Quarter-Ended** | **Quarter-Ended** | **Quarter-Ended** | **Quarter-Ended** | **Quarter-Ended** | **Quarter-Ended** | **Quarter-Ended** |
| *<u>($ amounts in millions)</u>* |  | **12/31/2025** | **12/31/2025** | 9/30/2025 | 9/30/2025 | 6/30/2025 | 6/30/2025 | 3/31/2025 | 3/31/2025 | 12/31/2024 | 12/31/2024 |
| **CET1 RATIOS** |  |  |  |  |  |  |  |  |  |  |  |
| Common equity Tier 1 <sup>(1)</sup> | **A** | **$** | **13486** | $| 13620 | $| 13533 | $| 13355 | $| 13434 |
| Adjustments: |  |  |  |  |  |  |  |  |  |  |  |
| AOCI loss on securities <sup>(2)</sup> |  | **(1076)** | **(1076)** | (1241) | (1241) | (1485) | (1485) | (1645) | (1645) | (2024) | (2024) |
| AOCI loss on defined benefit pension plans and other post employment benefits |  | **(391)** | **(391)** | (396) | (396) | (401) | (401) | (406) | (406) | (410) | (410) |
| Common equity Tier 1 (inclusive of AOCI) (non-GAAP) | **B** | **$** | **12019** | $| 11983 | $| 11647 | $| 11304 | $| 11000 |
| Total risk-weighted assets <sup>(1)</sup> | **C** | **$** | **125311** | $| 125386 | $| 125755 | $| 123755 | $| 124440 |
| Common equity Tier 1 ratio <sup>(1)(3)</sup> | **A/C** | **10.8%** | **10.8 %%** | 10.9% | 10.9% | 10.8% | 10.8% | 10.8% | 10.8% | 10.8% | 10.8% |
| Common equity Tier 1 ratio (inclusive of AOCI) (non-GAAP) <sup>(1)(3)</sup> | **B/C** | **9.6%** | **9.6 %%** | 9.6% | 9.6% | 9.3% | 9.3% | 9.1% | 9.1% | 8.8% | 8.8% |

---

____

(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.

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release**

**Asset Quality** 

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **As of and for Quarter Ended** | **As of and for Quarter Ended** | **As of and for Quarter Ended** | **As of and for Quarter Ended** | **As of and for Quarter Ended** |
| *<u>($ amounts in millions)</u>* | **12/31/2025** | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 |
| Beginning allowance for loan losses (ALL) | $**1581** | $1612 | $1613 | $1613 | $1607 |
| Loans charged-off: |  |  |  |  |  |
| Commercial and industrial | **92** | 57 | 70 | 57 | 65 |
| Commercial real estate mortgage—owner-occupied | **1** | 1 |  | 2 | 2 |
| Total commercial | **93** | 58 | 70 | 59 | 67 |
| Commercial investor real estate mortgage | **4** | 34 | 2 | 22 | 25 |
| Total investor real estate | **4** | 34 | 2 | 22 | 25 |
| Residential first mortgage | **—** | 1 | 1 |  | 1 |
| Home equity—lines of credit | **—** |  | 1 |  |  |
| Home equity—closed-end | **1** |  |  |  |  |
| Consumer credit card | **17** | 16 | 17 | 17 | 16 |
| Other consumer | **52** | 51 | 42 | 47 | 45 |
| Total consumer | **70** | 68 | 61 | 64 | 62 |
| Total | **167** | 160 | 133 | 145 | 154 |
| Recoveries of loans previously charged-off: |  |  |  |  |  |
| Commercial and industrial | **11** | 10 | 10 | 11 | 26 |
| Commercial real estate mortgage—owner-occupied | **—** | 1 |  |  | 1 |
| Commercial real estate construction—owner-occupied | **—** |  |  | 1 |  |
| Total commercial | **11** | 11 | 10 | 12 | 27 |
| Commercial investor real estate mortgage | **1** | 2 |  |  | 1 |
| Total investor real estate | **1** | 2 |  |  | 1 |
| Residential first mortgage | **1** |  | 1 |  |  |
| Home equity—lines of credit | **1** | 1 | 2 |  | 1 |
| Home equity—closed-end | **1** |  |  |  |  |
| Consumer credit card | **2** | 2 | 2 | 3 | 2 |
| Other consumer | **8** | 9 | 5 | 7 | 4 |
| Total consumer | **13** | 12 | 10 | 10 | 7 |
| Total | **25** | 25 | 20 | 22 | 35 |
| Net charge-offs (recoveries): |  |  |  |  |  |
| Commercial and industrial | **81** | 47 | 60 | 46 | 39 |
| Commercial real estate mortgage—owner-occupied | **1** |  |  | 2 | 1 |
| Commercial real estate construction—owner-occupied | **—** |  |  | (1) |  |
| Total commercial | **82** | 47 | 60 | 47 | 40 |
| Commercial investor real estate mortgage | **3** | 32 | 2 | 22 | 24 |
| Total investor real estate | **3** | 32 | 2 | 22 | 24 |
| Residential first mortgage | **(1)** | 1 |  |  | 1 |
| Home equity—lines of credit | **(1)** | (1) | (1) |  | (1) |
| Consumer credit card | **15** | 14 | 15 | 14 | 14 |
| Other consumer | **44** | 42 | 37 | 40 | 41 |
| Total consumer | **57** | 56 | 51 | 54 | 55 |
| Total | **142** | 135 | 113 | 123 | 119 |
| Provision for loan losses | **117** | 104 | 112 | 123 | 125 |
| Ending allowance for loan losses (ALL) | **1556** | 1581 | 1612 | 1613 | 1613 |
| Beginning reserve for unfunded credit commitments | **132** | 131 | 117 | 116 | 121 |
| Provision for (benefit from) unfunded credit losses | **(2)** | 1 | 14 | 1 | (5) |
| Ending reserve for unfunded commitments | **130** | 132 | 131 | 117 | 116 |
| Allowance for credit losses (ACL) at period end | $**1686** | $1713 | $1743 | $1730 | $1729 |

---

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Asset Quality (continued)** | | | | | |
| | **As of and for Quarter Ended** | **As of and for Quarter Ended** | **As of and for Quarter Ended** | **As of and for Quarter Ended** | **As of and for Quarter Ended** |
| *<u>($ amounts in millions)</u>* | **12/31/2025** | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 |
| Net loan charge-offs as a % of average loans, annualized <sup>(1)</sup>: |  |  |  |  |  |
| Commercial and industrial | **0.66 %%** | 0.37% | 0.49% | 0.38% | 0.31% |
| Commercial real estate mortgage—owner-occupied | **0.02 %%** | 0.04% | — % | 0.14% | 0.10% |
| Commercial real estate construction—owner-occupied | **(0.07)%%** | (0.01)%% | (0.01)%% | (0.84)%% | (0.01)%% |
| Total commercial | **0.60 %%** | 0.34 %% | 0.45 %% | 0.35 %% | 0.29 %% |
| Commercial investor real estate mortgage | **0.15 %%** | 1.82 %% | 0.10 %% | 1.38 %% | 1.49 %% |
| Total investor real estate | **0.12 %%** | 1.41 %% | 0.07 %% | 1.02 %% | 1.12 %% |
| Residential first mortgage | **— %%** | 0.01% | — % | — % | — % |
| Home equity—lines of credit | **(0.10)%%** | (0.12)% | (0.05)% | (0.04)% | (0.01)% |
| Home equity—closed-end | **— %%** | (0.01)% | (0.01)% | (0.01)% | (0.03)% |
| Consumer credit card | **4.08 %%** | 3.94% | 4.24% | 4.18% | 3.94% |
| Other consumer | **2.97 %%** | 2.83 %% | 2.50 %% | 2.68 %% | 2.66 %% |
| Total consumer | **0.70 %%** | 0.67 %% | 0.63 %% | 0.66 %% | 0.66 %% |
| Total | **0.59 %%** | 0.55 %% | 0.47 %% | 0.52 %% | 0.49 %% |
| Non-performing loans, excluding loans held for sale | $**698** | $758 | $776 | $843 | $928 |
| Non-performing loans held for sale | **—** | 12 | 16 | 26 |  |
| Non-performing loans, including loans held for sale | **698** | 770 | 792 | 869 | 928 |
| Foreclosed properties | **17** | 18 | 16 | 15 | 14 |
| Non-performing assets (NPAs) | $**715** | $788 | $808 | $884 | $942 |
| Loans past due > 90 days <sup>(2)</sup> | $**180** | $154 | $171 | $179 | $166 |
| Criticized loans—business <sup>(3)</sup> | $**3342** | $3682 | $4608 | $4918 | $4716 |
| Credit Ratios <sup>(1)</sup>: |  |  |  |  |  |
| ACL/Loans, net | **1.76 %%** | 1.78% | 1.80% | 1.81% | 1.79% |
| ALL/Loans, net | **1.63 %%** | 1.64% | 1.67% | 1.69% | 1.67% |
| Allowance for credit losses to non-performing loans, excluding loans held for sale | **242 %%** | 226% | 225% | 205% | 186% |
| Allowance for loan losses to non-performing loans, excluding loans held for sale | **223 %%** | 208% | 208% | 191% | 174% |
| Non-performing loans, excluding loans held for sale/Loans, net | **0.73 %%** | 0.79% | 0.80% | 0.88% | 0.96% |
| NPAs (ex. 90+ past due)/Loans, foreclosed properties, and non-performing loans held for sale | **0.75 %%** | 0.82% | 0.84% | 0.92% | 0.97% |
| NPAs (inc. 90+ past due)/Loans, foreclosed properties, and non-performing loans held for sale <sup>(2)</sup> | **0.94 %%** | 0.98% | 1.01% | 1.11% | 1.15% |

---

(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 <u>[24](#icf729cbb5cbb4cd4b5f5768a3d20890f_76)</u> for amounts related to these loans.

(3)Business represents the combined total of commercial and investor real estate loans.

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Allowance for Credit Losses** | | | | |
| | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** | **Twelve Months Ended December 31** |
| *<u>($ amounts in millions)</u>* | **2025** | **2025** | **2024** | **2024** |
| Balance at January 1 | **$** | **1729** | $| 1700 |
| Net charge-offs | **513** | **513** | 458 | 458 |
| Provision for loan losses | **456** | **456** | 495 | 495 |
| Provision for unfunded credit losses | **14** | **14** | (8) | (8) |
| Balance at December 31 | **$** | **1686** | $| 1729 |
| Net loan charge-offs as a % of average loans, annualized (GAAP) <sup>(1)</sup> | **0.53%** | **0.53 %%** | 0.47% | 0.47% |

---

(1)Amounts have been calculated using whole dollar values.

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release**

**Non-Performing Loans (excludes loans held for sale)**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** |
| *<u>($ amounts in millions, %'s calculated using whole dollar values)</u>* | **12/31/2025** | **12/31/2025** | 9/30/2025 | 9/30/2025 | 6/30/2025 | 6/30/2025 | 3/31/2025 | 3/31/2025 | 12/31/2024 | 12/31/2024 |
| Commercial and industrial | $**474** | **0.97 %%** | $524 | 1.06% | $391 | 0.79% | $418 | 0.85% | $408 | 0.82% |
| Commercial real estate mortgage—owner-occupied | **45** | **0.92 %%** | 41 | 0.85% | 45 | 0.92% | 40 | 0.83% | 37 | 0.76% |
| Commercial real estate construction—owner-occupied | **2** | **0.85 %%** | 1 | 0.43 %% | 1 | 0.46 %% | 1 | 0.41 %% | 5 | 1.43 %% |
| Total commercial | **521** | **0.97 %%** | 566 | 1.04 %% | 437 | 0.80 %% | 459 | 0.85 %% | 450 | 0.82 %% |
| Commercial investor real estate mortgage | **121** | **1.69 %%** | 137 | 1.92 %% | 283 | 4.08 %% | 327 | 5.14 %% | 423 | 6.45 %% |
| Total investor real estate | **121** | **1.33 %%** | 137 | 1.51 %% | 283 | 3.12 %% | 327 | 3.71 %% | 423 | 4.86 %% |
| Residential first mortgage | **25** | **0.12 %%** | 24 | 0.12% | 24 | 0.12% | 25 | 0.12% | 23 | 0.12% |
| Home equity—lines of credit | **24** | **0.74 %%** | 24 | 0.73% | 26 | 0.79% | 26 | 0.82% | 26 | 0.81% |
| Home equity—closed-end | **7** | **0.32 %%** | 7 | 0.31 %% | 6 | 0.26 %% | 6 | 0.27 %% | 6 | 0.25 %% |
| Total consumer | **56** | **0.17 %%** | 55 | 0.17 %% | 56 | 0.17 %% | 57 | 0.17 %% | 55 | 0.17 %% |
| Total non-performing loans | $**698** | **0.73 %%** | $758 | 0.79 %% | $776 | 0.80 %% | $843 | 0.88 %% | $928 | 0.96 %% |

---

**Early and Late Stage Delinquencies** 

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Accruing 30-89 Days Past Due Loans** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** |
| *<u>($ amounts in millions, %'s calculated using whole dollar values)</u>* | **12/31/2025** | **12/31/2025** | 9/30/2025 | 9/30/2025 | 6/30/2025 | 6/30/2025 | 3/31/2025 | 3/31/2025 | 12/31/2024 | 12/31/2024 |
| Commercial and industrial | $**55** | **0.11 %%** | $63 | 0.13% | $67 | 0.14% | $68 | 0.14% | $69 | 0.14% |
| Commercial real estate mortgage—owner-occupied | **6** | **0.11 %%** | 10 | 0.21 %% | 8 | 0.17 %% | 3 | 0.07 %% | 5 | 0.12 %% |
| Total commercial | **61** | **0.11 %%** | 73 | 0.13 %% | 75 | 0.14 %% | 71 | 0.13 %% | 74 | 0.14 %% |
| Commercial investor real estate mortgage | **—** | **— %%** | 28 | 0.40% |  | — % | 20 | 0.31% |  | — % |
| Commercial investor real estate construction | **—** | **— %%** |  | — %% | 1 | 0.05 %% |  | — %% |  | — %% |
| Total investor real estate | **—** | **— %%** | 28 | 0.31 %% | 1 | 0.01 %% | 20 | 0.23 %% |  | — %% |
| Residential first mortgage—non-guaranteed <sup>(1)</sup> | **144** | **0.74 %%** | 132 | 0.68% | 114 | 0.58% | 119 | 0.61% | 155 | 0.79% |
| Home equity—lines of credit | **25** | **0.79 %%** | 28 | 0.89% | 25 | 0.77% | 23 | 0.72% | 24 | 0.76% |
| Home equity—closed-end | **15** | **0.62 %%** | 14 | 0.57% | 11 | 0.48% | 13 | 0.56% | 17 | 0.68% |
| Consumer credit card | **22** | **1.48 %%** | 20 | 1.40% | 20 | 1.46% | 19 | 1.37% | 20 | 1.39% |
| Other consumer | **75** | **1.31 %%** | 68 | 1.18 %% | 66 | 1.11 %% | 68 | 1.15 %% | 77 | 1.26 %% |
| Total consumer <sup>(1)</sup> | **281** | **0.88 %%** | 262 | 0.81 %% | 236 | 0.73 %% | 242 | 0.75 %% | 293 | 0.89 %% |
| Total accruing 30-89 days past due loans <sup>(1)</sup> | $**342** | **0.36 %%** | $363 | 0.38 %% | $312 | 0.32 %% | $333 | 0.35 %% | $367 | 0.38 %% |
| **Accruing 90+ Days Past Due Loans** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** | **As of** |
| *<u>($ amounts in millions, %'s calculated using whole dollar values)</u>* | **12/31/2025** | **12/31/2025** | 9/30/2025 | 9/30/2025 | 6/30/2025 | 6/30/2025 | 3/31/2025 | 3/31/2025 | 12/31/2024 | 12/31/2024 |
| Commercial and industrial | $**6** | **0.01 %%** | $4 | 0.01% | $19 | 0.04% | $22 | 0.05% | $7 | 0.01% |
| Commercial real estate mortgage—owner-occupied | **—** | **0.01 %%** | 2 | 0.05 %% | 1 | 0.02 %% | 1 | 0.01 %% | 1 | 0.02 %% |
| Total commercial | **6** | **0.01 %%** | 6 | 0.01 %% | 20 | 0.04 %% | 23 | 0.04 %% | 8 | 0.01 %% |
| Residential first mortgage—non-guaranteed <sup>(2)</sup> | **105** | **0.55 %%** | 84 | 0.43% | 89 | 0.46% | 93 | 0.47% | 88 | 0.45% |
| Home equity—lines of credit | **15** | **0.45 %%** | 14 | 0.43% | 12 | 0.38% | 13 | 0.42% | 16 | 0.52% |
| Home equity—closed-end | **8** | **0.37 %%** | 7 | 0.30% | 7 | 0.30% | 6 | 0.26% | 7 | 0.30% |
| Consumer credit card | **22** | **1.41 %%** | 20 | 1.42% | 20 | 1.39% | 21 | 1.49% | 20 | 1.41% |
| Other consumer | **24** | **0.40 %%** | 23 | 0.39 %% | 23 | 0.39 %% | 23 | 0.38 %% | 27 | 0.44 %% |
| Total consumer <sup>(2)</sup> | **174** | **0.54 %%** | 148 | 0.46 %% | 151 | 0.47 %% | 156 | 0.48 %% | 158 | 0.48 %% |
| Total accruing 90+ days past due loans <sup>(2)</sup> | $**180** | **0.19 %%** | $154 | 0.16 %% | $171 | 0.18 %% | $179 | 0.19 %% | $166 | 0.17 %% |
| Total delinquencies <sup>(1) (2)</sup> | $**522** | **0.55 %%** | $517 | 0.54 %% | $483 | 0.50 %% | $512 | 0.54 %% | $533 | 0.55 %% |

---

(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 $66 million at 12/31/2025, $62 million at 9/30/2025, $57 million at 6/30/2025, $52 million at 3/31/2025, and $62 million at 12/31/2024.

(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 $79 million at 12/31/2025, $48 million at 9/30/2025, $44 million at 6/30/2025, $53 million at 3/31/2025, and $55 million at 12/31/2024.

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Current and future economic and market conditions in the United States generally or in the communities we serve (in particular the Southeastern United States), including the effects of possible declines in property values, increases in interest rates and unemployment rates, inflation, financial market disruptions and potential reductions of economic growth, which may adversely affect our lending and other businesses and our financial results and conditions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Possible changes in trade, monetary and fiscal policies of, and other activities undertaken by, governments, agencies, central banks and similar organizations, including tariffs, which could have a material adverse effect on our businesses and our financial results and conditions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Changes in market interest rates or capital markets could adversely affect our revenue and expense, the value of assets (such as our portfolio of investment securities) and obligations, as well as the availability and cost of capital and liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Volatility and uncertainty about the direction of interest rates and the timing of any changes, which may lead to increased costs for businesses and consumers and potentially contribute to poor business and economic conditions generally.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Possible changes in the creditworthiness of customers and the possible impairment of the collectability of loans and leases.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Changes in the speed of loan prepayments, loan origination and sale volumes, charge-offs, credit loss provisions or actual credit losses where our allowance for credit losses may not be adequate to cover our eventual losses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Possible acceleration of prepayments on mortgage-backed securities due to declining interest rates, and the related acceleration of premium amortization on those securities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Possible changes in consumer and business spending and saving habits and the related effect on our ability to increase assets and to attract deposits, which could adversely affect our net income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loss of customer checking and savings account deposits as customers pursue other, higher-yield investments, or the need to price interest-bearing deposits higher due to competitive forces. Either of these activities could increase our funding costs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Possible downgrades in our credit ratings or outlook could, among other negative impacts, increase the costs of funding from capital markets.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The loss of value of our investment portfolio could negatively impact market perceptions of us.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our ability to manage fluctuations in the value of assets and liabilities and off-balance sheet exposure so as to maintain sufficient capital and liquidity to support our businesses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The effects of social media on market perceptions of us and banks generally.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The effects of problems encountered by other financial institutions that adversely affect us or the banking industry generally could require us to change certain business practices, reduce our revenue, impose additional costs on us, or otherwise negatively affect our businesses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Volatility in the financial services industry (including failures or rumors of failures of other depository institutions), along with actions taken by governmental agencies to address such turmoil, could affect the ability of depository institutions, including us, to attract and retain depositors and to borrow or raise capital.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our ability to effectively compete with other traditional and non-traditional financial services companies, including fintechs, digital wallet providers, and digital currency issuers, some of which possess greater financial resources than we do or are subject to different regulatory standards than we are.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our inability to develop and gain acceptance from current and prospective customers for new products and services and the enhancement of existing products and services to meet customers' needs and respond to emerging technological trends in a timely manner could have a negative impact on our revenue.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our inability to keep pace with technological changes, including those related to the offering of digital banking and financial services, could result in losing business to competitors.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The development and use of AI presents risks and challenges that may adversely impact our business.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our ability to execute on our strategic and operational plans, including our ability to fully realize the financial and nonfinancial benefits relating to our strategic initiatives.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The risks and uncertainties related to our acquisition or divestiture of businesses and risks related to such acquisitions, including that the expected synergies, cost savings and other financial or other benefits may not be realized within expected timeframes, or might be less than projected; and difficulties in integrating acquired businesses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The success of our marketing efforts in attracting and retaining customers.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our ability to achieve our expense management initiatives.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Changes in commodity market prices and conditions could adversely affect the cash flows of our borrowers operating in industries that are impacted by changes in commodity prices (including businesses indirectly impacted by commodities prices such as businesses that transport commodities or manufacture equipment used in the production of commodities), which could impair the ability of those borrowers to service any loans outstanding to them and/or reduce demand for loans in those industries.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The effects of geopolitical instability, including wars, conflicts, civil unrest, and terrorist attacks and the potential impact, directly or indirectly, on our businesses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fraud, theft or other misconduct conducted by external parties, including our customers and business partners, or by our employees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Any inaccurate or incomplete information provided to us by our customers or counterparties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Inability of our framework to manage risks associated with our businesses, such as credit risk and operational risk, including third-party vendors and other service providers, which inability could, among other things, result in a breach of operating or security systems as a result of a cyber-attack or similar act or failure to deliver our services effectively.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our ability to identify and address operational risks associated with the introduction of or changes to products, services, or delivery platforms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Dependence on key suppliers or vendors to obtain equipment and other supplies for our businesses on acceptable terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The inability of our internal controls and procedures to prevent, detect or mitigate any material errors or fraudulent acts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our ability to identify and address cyber-security risks such as data security breaches, malware, ransomware, "denial of service" attacks, "hacking" and identity theft, including account take-overs, a failure of which could disrupt our businesses and result in the disclosure of and/or misuse or misappropriation of confidential or proprietary information, disruption or damage to our systems, increased costs, losses, or adverse effects to our reputation.

------

**Regions Financial Corporation and Subsidiaries&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

**Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The effects of the failure of any component of our business infrastructure provided by a third party could disrupt our businesses, result in the disclosure of and/or misuse of confidential information or proprietary information, increase our costs, negatively affect our reputation, and cause losses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The effects of any developments, changes or actions relating to any litigation or regulatory proceedings brought against us or any of our subsidiaries.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The costs, including possibly incurring fines, penalties, or other negative effects (including reputational harm) of any adverse judicial, administrative, or arbitral rulings or proceedings, regulatory enforcement actions or other legal actions to which we or any of our subsidiaries are a party, and which may adversely affect our results.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Changes in laws and regulations affecting our businesses, including legislation and regulations relating to bank products and services, such as changes to debit card interchange fees, special FDIC assessments, any new long-term debt requirements, as well as changes in the enforcement and interpretation of such laws and regulations by applicable governmental and self-regulatory agencies, including as a result of the changes in control of the U.S. Congress and changes in personnel at the bank regulatory agencies, which could require us to change certain business practices, increase compliance risk, reduce our revenue, impose additional costs on us, or otherwise negatively affect our businesses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our capital actions, including dividend payments, common stock repurchases, or redemptions of preferred stock, must not cause us to fall below minimum capital ratio requirements, with applicable buffers taken into account, and must comply with other requirements and restrictions under law or imposed by our regulators, which may impact our ability to return capital to shareholders.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our ability to comply with stress testing and capital planning requirements (as part of the CCAR process or otherwise) may continue to require a significant investment of our managerial resources due to the importance of such tests and requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our ability to comply with applicable capital and liquidity requirements (including, among other things, the Basel III Rules), including our ability to generate capital internally or raise capital on favorable terms, and if we fail to meet requirements, our financial condition and market perceptions of us could be negatively impacted.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our ability to recruit and retain talented and experienced personnel to assist in the development, management and operation of our products and services may be affected by changes in laws and regulations in effect from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Our ability to receive dividends from our subsidiaries, in particular Regions Bank, could affect our liquidity and ability to pay dividends to shareholders.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fluctuations in the price of our common stock and inability to complete stock repurchases in the time frame and/or on the terms anticipated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The effects of anti-takeover laws and exclusive forum provision in our certificate of incorporation and bylaws.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The effect of new tax legislation and/or interpretation of existing tax law, which may impact our earnings, capital ratios and our ability to return capital to shareholders.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Changes in accounting policies or procedures as may be required by the FASB or other regulatory agencies could materially affect our financial statements and how we report those results, and expectations and preliminary analyses relating to how such changes will affect our financial results could prove incorrect.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Any impairment of our goodwill or other intangibles, any repricing of assets or any adjustment of valuation allowances on our deferred tax assets due to changes in tax law, adverse changes in the economic environment declining operations of the reporting unit or other factors.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The effects of man-made and natural disasters, including fires, floods, droughts, tornadoes, hurricanes and environmental damage (especially in the Southeastern United States), which may negatively affect our operations and/or our loan portfolios and increase our cost of conducting business. The severity and frequency of future earthquakes, fires, hurricanes, tornadoes, droughts, floods and other weather-related events are difficult to predict and may be exacerbated by global climate change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The impact of pandemics on our businesses, operations and financial results and conditions. The duration and severity of any pandemic as well as government actions or other restrictions in connection with such events could disrupt the global economy, adversely affect our capital and liquidity position, impair the ability of borrowers to repay outstanding loans and increase our allowance for credit losses, impair collateral values and result in lost revenue or additional expenses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The effects of any damage to our reputation resulting from developments related to any of the items identified above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Other risks identified from time to time in reports that we file with the SEC.

The foregoing list of factors is not exhaustive. For discussion of these and other factors that may cause actual results to differ from expectations, look under the captions "Forward-Looking Statements" and "Risk Factors" in Regions' Annual Report on Form 10-K for the year ended December 31, 2024 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 Dana Nolan at (205) 264-7040; Regions' Media contact is Jeremy King at (205) 264-4551.

## Exhibit 99.3

![](rf-20251231xexhibit993001.jpg)

Internal Use 4th Quarter Earnings January 16, 2026 Exhibit 99.3

------

![](rf-20251231xexhibit993002.jpg)

2 2025 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, CMA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SNV, TFC, USB, ZION. Key Performance Metrics 4Q25 FY25 Reported Adjusted(1) Reported Adjusted(1) Net Income Available to Common Shareholders $514M $504M $2,061M $2,090M Diluted Earnings Per Share $0.58 $0.57 $2.30 $2.33 Total Revenue $1,921M $1,921M $7,526M $7,576M Non-Interest Expense $1,098M $1,112M $4,313M $4,331M Pre-Tax Pre-Provision Income(1) $823M $809M $3,213M $3,245M Efficiency Ratio 56.8% 57.5% 56.9% 56.8% Net-Charge Offs / Avg Loans 0.59% 0.59% 0.53% 0.53% Return on Average Tangible Common Equity(1) 17.17% 16.84% 18.25% 18.51% Highlights • Consistently generating top-quartile returns in our peer group(2) • Achieved a record year in Wealth Management and Treasury Management, with Capital Markets delivering its second best year on record, while maintaining disciplined expense management, driving positive operating leverage, and returning capital to shareholders • Advanced modernization initiatives, making significant progress toward a true modern core platform • Delivered a high-performing native mobile app with a 4.9 out of 5 star rating, enhancing customer experience • Invested in critical capabilities, including authentication, data governance, real-time data, and AI to strengthen security, enhance the customer experience, support growth, and improve efficiency • Building momentum heading into 2026 and beyond

------

![](rf-20251231xexhibit993003.jpg)

3 $96.7 $96.1 $95.6 $63.5 $63.4 $63.0 $33.2 $32.7 $32.6 4Q24 3Q25 4Q25 $96.4 $96.6 $95.7 $63.2 $63.8 $63.1 $33.2 $32.8 $32.6 4Q24 3Q25 4Q25 Average Loans & Leases ($ in billions) Business LoansConsumer Loans Ending Loans & Leases ($ in billions) Loans Momentum building as headwinds ease QoQ Highlights & Outlook • Avg and ending loans were relatively stable • Avg business loans decreased 1%, while average consumer loans decreased 0.4% • Throughout 2025, modestly improving loan demand was offset by $1.4B of strategic runoff primarily in leveraged lending, $770M of continued resolutions within portfolios of interest, and $2.6B refinanced through the capital markets; these same 4Q25 linked quarter declines were $420M, $180M and $670M, respectively • Large corporate refinancing activity into the capital markets remained elevated during 2025 • Client sentiment has improved throughout 2025 with strengthening loan pipelines (+55% YoY) and line commitments (+~$2.5B YoY), supported by excess corporate liquidity beginning to normalize • Significant progress on banker hiring to drive growth; Priority market investments delivered over 40% of new corporate client growth in 2025 • Expect FY26 average loan balances to be up low single digits compared to 2025, reflecting a return toward more normal growth levels

------

![](rf-20251231xexhibit993004.jpg)

4 QoQ Highlights & Outlook • Ending balances increased 0.6%, supported by strong client acquisition and retention • Avg deposits were relatively flat, modestly outperforming typical YE seasonality, particularly in consumer banking where declines are common ahead of tax season • Total deposit costs declined, driven primarily by CD maturities and mix shift to money market • Commercial client-managed liquidity modestly declined primarily due to off-balance sheet liquidity after five quarters of growth; NIB mix stable in the low 30% range • Expect FY26 avg balances to be up low single digits compared to 2025 $127.6 $130.3 $131.1 $78.6 $79.7 $80.2 $38.4 $40.4 $40.4 $7.7 $7.6 $8.3 $2.9 $2.6 $2.2 4Q24 3Q25 4Q25 $126.5 $129.6 $129.9 $78.5 $79.7 $79.5 $37.4 $39.7 $40.2 $7.5 $7.3 $7.8 $3.1 $2.9 $2.4 1.47% 1.39% 1.29% 4Q24 3Q25 4Q25 (1) Other deposits represent non-customer balances primarily consisting of wholesale funding (for example, Eurodollar trade deposits, selected deposits and brokered time deposits). (2) IB deposit costs were 1.85%, 2.01%, and 2.13% in 4Q25, 3Q25, and 4Q24, respectively. Average Deposits by Segment ($ in billions) Deposits Disciplined deposit growth with improving mix and costs Wealth Mgt Other(1) Consumer Bank Corporate Bank Ending Deposits by Segment ($ in billions) Total Deposit Costs(2)

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![](rf-20251231xexhibit993005.jpg)

5 4Q NII and NIM Drivers • NII increased 2% QoQ; NIM increased 11bps to 3.70% • New production fixed-rate asset yields continue to benefit from elevated long-term interest rates ◦ Added $3.5B of forward starting hedges beginning throughout 2026 to lock in portion of expected future loan/securities rate levels • Positives from larger than anticipated seasonal HR asset dividend and credit recovery not expected to persist • Well protected from short-term rate declines given hedging and ability to manage deposit costs lower ◦ 4Q interest-bearing deposit cost = 1.85% (-16bps QoQ) ◦ 4Q interest-bearing deposit beta = 36%(3) (falling cycle beta = 33%(4)) $1,257 $1,281 Market Rate Impacts - fully protected from Fed cuts NII & Margin Performance Well protected balance sheet with growth from balance sheet repricing (1) Floating product repricing includes contractual loan, cash and borrowings repricing. (2) Fixed asset turnover includes the benefits of loan and securities production at higher market rates than maturities, securities premium amortization net discount accretion, and the 3Q25 securities repositioning. (3) Measuring quarterly average yields/costs from 3Q25 to 4Q25. (4) Using a starting point of 3Q24 interest-bearing deposit costs and peak Fed Funds of 5.50%. +10bps +5bps+1bps +$34M +$16M-$4MNII NIM -$48M -14bps $1,243 $1,269 $1,294 3.55% 3.59% 3.70% 4Q24 3Q25 4Q25 NII NIM +$24M FTE NII and NIM ($ in millions) NII Attribution ($ in millions) +$5M +1bps +11bps+3bps +$11M +3bps +$10M 2.34% 2.13% 2.02% 1.99% 2.01% 1.85% 2.37% 2.00% 1.78% Qtrly Int-Bearing Rates Mnthly Int-Bearing Rates 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1.70% 1.80% 1.90% 2.00% 2.10% 2.20% 2.30% 2.40% Fixed Asset Turnover(2) Deposit Cost / Balance 4Q25 3Q25 Credit Recoveries/ Other HedgesLoan Balances Floating Product Repricing(1) Seasonal HR Asset Dividend Interest-bearing Deposit Cost Trend Cash Balance -$0M +2bps

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![](rf-20251231xexhibit993006.jpg)

6 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 • 1Q26 NII expected to decline by 1 – 2% vs 4Q25, from day count and non- recurring items offset by balance sheet repricing tailwinds • 1Q26 NIM expected to be mostly stable ~3.70%, with negatives from non- recurring items being offset by day count benefits • Positive NIM trend expected to continue, reaching low/mid 3.70%s by 4Q26 • Lower long-term interest rates / flatter yield curve (10-year below 3.60%); tightening asset spreads • Declining loan and/or deposit balances • Falling rate deposit beta below mid-30%s; decreasing non-interest bearing deposit mix 2026 NII(1) Expected Range and Assumptions NII expected to grow in 2026 under a wide range of possible outcomes (1) NII represents non-FTE Net Interest Income. +4% +2.5% Current Outlook Upper End Lower End • ~4.10% 10-year U.S. Treasury yield and between zero and three fed funds cuts in 2026 • 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 • Higher long-term interest rates / steeper yield curve (10-year 4.60% and above); widening asset spreads • Accelerating loan and/or deposit balance growth • Falling rate deposit beta above mid-30%s; increasing non-interest bearing deposit mix Net Interest Income Trend ($M) NII 2026 NII Guidance Range 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 $3,000 $4,000 $5,000 Anticipated continuation of long- term growth trajectory after post- pandemic normalization

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![](rf-20251231xexhibit993007.jpg)

7 QoQ Highlights & Outlook • NIR decreased 3% on a reported basis and 6% on an adjusted basis,(1) reflecting quarter-specific impacts across several categories • Service charges increased 2%, inclusive of annual record TM results and growth in consumer checking and small business and commercial operating accounts • Wealth Management generated record income for the year and a fourth consecutive quarter, increasing 3%, driven by elevated sales activity and a favorable market backdrop • Card and ATM fees increased 1% from seasonally higher activity • Capital Markets (Ex CVA) decline reflects postponed M&A transactions, seasonally lower loan syndication and securities underwriting activity, while commercial swap and real estate agency volumes were impacted by the temporary government shutdown; Expect quarterly revenue range of $90 – $105M, with 1Q26 expected toward the lower end of range and improvement through the year • Expect FY26 adjusted non-interest income to grow 3 – 5% vs 2025 (4) $615 $684 $640 4Q24 3Q25 4Q25 ($ in millions) Change vs 4Q25 3Q25 4Q24 Service Charges – Consumer(2) $101 2.0% 3.1% Service Charges – Corporate(3) $61 —% 8.9% Wealth Management Income 143 2.9% 13.5% Card and ATM Fees 123 0.8% 8.8% Capital Markets (Ex CVA/DVA) 80 (23.1)% (18.4)% Mortgage Income 32 (15.8)% (8.6)% 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. $585 $659 $640 4Q24 3Q25 4Q25 Non-Interest Income ($ in millions) Adj. Non-Interest Income(1) ($ in millions)

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![](rf-20251231xexhibit993008.jpg)

8 QoQ Highlights & Outlook • NIE remained stable on a reported basis and on an adjusted(1) basis • Salaries & benefits decreased 1%, primarily due to lower market value adjustments on employee benefit liabilities and reduced revenue-based incentive compensation • FDIC insurance assessments decreased 80% following an FDIC update to special assessments, partially offset by increases in occupancy and equipment & software expenses from ongoing investments • Expect FY26 adjusted NIE (inclusive of investments) to be up 1.5 – 3.5%; Anticipate generating FY positive operating leverage (3) $1,038 $1,103 $1,098 56.8% 57.2% 56.8% Non-interest expense Efficiency ratio 4Q24 3Q25 4Q25 $1,029 $1,111 $1,112 $22 $— 55.4% 56.9% 57.5% Adjusted non-interest expense Incremental operational losses Adjusted efficiency ratio 4Q24 3Q25 4Q25 Non-Interest Expense (1) (1) Non-Interest Expense ($ 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.

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![](rf-20251231xexhibit993009.jpg)

9 QoQ Highlights & Outlook • 4Q annualized NCOs increased 4bps to 59bps, reflecting material progress in resolutions within previously identified portfolios of interest reserved for in prior periods • Business services criticized and total NPLs declined 9% and 8%, respectively, as upgrades outpaced downgrades; NPL ratio declined 6bps to 73bps • Provision of $115M, resulting allowance for credit losses decreased $27M; ACL ratio declined 2bps to 1.76%, while coverage of NPLs increased to 242% • Expect FY26 NCOs to be between 40 - 50bps Asset Quality Credit performance improving; metrics tracking favorably $1,729 $1,713 $1,686 1.79% 1.78% 1.76% 186% 226% 242% ACL ACL/Loans ACL/NPLs 4Q24 3Q25 4Q25 $119 $135 $142 0.49% 0.55% 0.59% NCOs NCOs Ratio 4Q24 3Q25 4Q25 $928 $758 $698 0.96% 0.79% 0.73% NPLs - excluding LHFS NPL/Loans 4Q24 3Q25 4Q25 (1) $ in Millions. Net Charge-Offs(1) Allowance for Credit Losses (ACL)(1) Non-Performing Loans (NPLs)(1)

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![](rf-20251231xexhibit993010.jpg)

10 QoQ Highlights & Outlook • Declared 4Q common dividends of $231M and executed $430M in share repurchases • Dividend payout target of 40-50% of earnings • 4Q25 CET1 inclusive of AOCI was 9.6%(1)(6); in near term, expect to manage CET1 (inclusive of AOCI) around the mid- point of our 9.25 – 9.75% operating range(4) • Common book value per share of $20.36 and tangible common book value per share(4) of $13.75, a 14.6% and 20.4% increase respectively YoY • Total Liquidity Sources well above required levels as informed by internal liquidity stress testing • Including capacity at the discount window, liquidity to uninsured deposits ratio is ~182%(5) 10.8% 10.9% 10.8% 4Q24 3Q25 4Q25 Capital and Liquidity Managing capital flexibility to support growth and shareholder returns 12.2% 12.0% 11.9% 4Q24 3Q25 4Q25 Tier 1 Capital Ratio(1) Common Equity Tier 1 Ratio(1) Position ($B) as of 3Q25 4Q25 Cash at the Federal Reserve(2) $9.0 $7.7 Unencumbered Investment Securities(3) 26.2 26.3 Federal Home Loan Bank Availability 10.2 11.1 Discount Window Availability 23.1 22.8 Total $68.5 $67.9 (1) Current quarter ratios are estimated. (2) Fed master account closing balance only. Does not include other small in transit / processing items included in Call Report or SEC reports. (3) Unencumbered Investment Securities comprise securities that are eligible as collateral for secured transactions through market channels or are eligible to be pledged to the Federal Home Loan Bank, the Federal Reserve Discount Window, or the Standing Repo Facility. (4) See appendix for further information on the forward-looking guidance provided by the Company with respect to this non-GAAP measure. (5) This ratio excludes intercompany and secured deposits. (6) Non-GAAP; see Appendix for reconciliation. Total Liquidity Sources

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![](rf-20251231xexhibit993011.jpg)

11 Common Equity Tier 1 10.8% 10.8% 10.9% 10.8% 9.1% 9.3% 9.6% 9.6% Reported CET1 Ratio Adjusted CET1 Inclusive of AOCI Operating Range 1Q25 2Q25 3Q25 4Q25 CET1 Under Basel III Endgame (B3E) B3E Update • B3E has yet to be finalized but expect AOCI to be included in Regulatory Capital • CET1 inclusive of AOCI was stable linked-quarter given AOCI improvement from spread tightening, as well as solid capital accretion through earnings ◦ CET1 adjusted to include AOCI at 12/31 was unchanged at an estimated 9.6%(2) ◦ In the near term, expect to manage CET1 inclusive of AOCI around the mid-point of our 9.25 – 9.75% Operating Range; Creates meaningful flexibility(3) (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 (2) Operating Range \| 9.25% - 9.75% Volatility Management • To date, have taken meaningful action to reduce capital volatility from AOCI ◦ $5.7B Pay Fixed Fair Value swaps vs AFS securities (mostly offset with Receive Fixed Cash Flow swaps vs loans to maintain desired sensitivity) ◦ 17% of Securities Portfolio classified as Held-To-Maturity • Over time, additional actions may include ◦ Held-to-Maturity ◦ Derivative Hedging ◦ Asset Selection

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![](rf-20251231xexhibit993012.jpg)

12 Expectations for 1Q26 & FY26(3) • 1Q26 NII to decline 1 – 2% vs 4Q25 • 1Q26 NIM in the ~3.70% increasing thereafter • Expect Capital Markets quarterly revenue range of $90 – $105M, with 1Q26 expected toward the lower end of the range and improvement through the year • Expect to generate FY positive operating leverage in 2026 • 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 recent market rate levels including an ~4.10% 10-year Treasury yield and between zero and three additional 25 basis point Fed Funds cuts this year. FY 2026 Expectations Net Interest Income (vs. 2025 of $4,991) up 2.5 – 4%(3) Adjusted Non-Interest Income (vs. adjusted 2025 total of $2,585)(1) up 3 – 5%(2) Adjusted Non-Interest Expense (vs. adjusted 2025 total of $4,331)(1) up 1.5 – 3.5%(2) (Inclusive of investments) Average Loans (vs. 2025 of $96,124) up low single digits Average Deposits (vs. 2025 of $129,146) up low single digits Net Charge-Offs / Average Loans 40 – 50 bps Effective Tax Rate 20.5 – 21.5%

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![](rf-20251231xexhibit993013.jpg)

Internal Use Appendix

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![](rf-20251231xexhibit993014.jpg)

14 Selected Items Impact(2) Fourth Quarter 2025 Highlights (1) Non-GAAP; see appendix for reconciliation. (2) Items impacting results or trends during the quarter, but are not considered non-GAAP adjustments. (3) Based on income taxes at an approximate 25% incremental rate. ($ amounts in millions, except per share data) 4Q25 QoQ Change YoY Change Net interest income $1,281 1.9% 4.1% Provision for (benefit from) credit losses 115 9.5% (4.2)% Non-interest income 640 (2.9)% 9.4% Non-interest expense 1,098 (0.5)% 5.8% Income before income taxes 708 —% 7.8% Income tax expense 174 25.2% 41.5% Net income 534 (6.2)% —% Preferred dividends 20 (4.8)% (23.1)% Net income available to common shareholders $514 (6.2)% 1.2% Adjusted net income available to common shareholders (non-GAAP)(1) $504 (10.2)% (6.3)% Diluted EPS $0.58 (4.9)% 3.6% Adjusted diluted EPS (non-GAAP)(1) $0.57 (9.5)% (3.4)% Summary of Fourth Quarter Results (amounts in millions, except per share data) 4Q25 Pre-tax additional selected items: Salary and employee benefits—severance charges $7 Visa Class B litigation escrow funding 5 Non-qualified benefit plan settlement charge 2 Total pre-tax impact of selected items $14 After-tax additional selected items: Increase in sate income tax reserves and prior year adjustment $26 Diluted EPS impact(3) $(0.04)

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![](rf-20251231xexhibit993015.jpg)

15 2.56 2.62 2.68 4Q23 4Q24 4Q25 4.24 5.13 6.16 4Q23 4Q24 4Q25 181 188 208 4Q23 4Q24 4Q25 24% 25% 24% 31% 31% 33% 45% 44% 43% Mobile ATM Branch 4Q23 4Q24 4Q25 74% 76% 79% 26% 24% 21% 4Q23 4Q24 4Q25 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%+15% 23% 21% 29% 75% 77% 70% 2% 2% 1% Digital Branch Contact Center 4Q23 4Q24 4Q25 Consumer Checking Account Acquisitions by Channel(4) Customer Satisfaction Zelle Transactions (Millions) TransactionsDigital Usage +4% (1) Total number of unique customers who have successfully authenticated and logged into the mobile app at least once within the last 90 days. (2) Digital transactions represent online and mobile only; Non-digital transactions represent branches, contact centers and ATMs. (3) Transactions represent Consumer customer deposits, transfers, mobile deposits, fee refunds, withdrawals, payments, official checks, bill payments, and Western Union. Excludes ACH and Debit Card purchases/refunds. (4) Additional security controls in digital channels placed in 4Q23. Active efforts to drive quality digital acquisitions are in-progress resulting in performance improvement 2025 vs 2024. (5) Regions Bank received the highest score among regional banks ($65B to $250B in deposits) in the J.D. Power 2020-2022, and 2024-2025 U.S. Online Banking Satisfaction Studies which measures customer satisfaction with financial institutions' online experience for banking account management. Visit jdpower.com/awards for more details. Mobile App Online Banking(5) #1 in Customer Satisfaction for Regional Bank Online Experiences for five of the past six years Average 4.9 out of 5 rating from iOS app store users New Native Mobile App launched. Early customer feedback is strong, and usage of key functionality like Zelle and chat at all time highs.

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![](rf-20251231xexhibit993016.jpg)

16 • Record year for NIR, up 10% YoY, with four consecutive increasing quarters; 4Q25 up 2.6% QoQ • 4Q25 average Loan balances up 4.9% QoQ • 4Q25 average Deposits balances up 7.5% QoQ • Driving Innovation Through AI within Wealth Management: In 2025, we strengthened our AI strategy by creating a structured process to identify and evaluate new use cases, which included the onboarding of two vendors • Simplified Wealth Management Cash Transactions by positioning Regions as the primary incoming cash agent on our Wealth platform • Awarded 2025 Best Place to Work by Pension & Investments, fifth consecutive year to be recognized in the category for Regions Investment Management • Inaugural Voice of the Client survey established and fielded for Highland Associates, resulting in 100% of consultants receiving 5/5 ratings • 3rd highest revenue year in history including highest debit card interchange revenue since the implementation of Reg II • Maintained competitive headline deposit rates driving balance growth while preserving our industry leading deposit cost advantage • Launched direct deposit switcher providing a seamless, paperless, secure, real-time option for direct deposit enrollment • Digital channel YTD checking growth of 15% from digital funnel improvements • Mobile App users increased 2% YoY; New Mobile App launch complete. Early customer feedback is strong, and usage of key functionality like Zelle and chat at all time highs • Launched a new partnership with a global leader in merchant services processing to bring customers access to top-tier payments and business management solutions • Reskilled ~600 bankers to align talent depth with opportunity; Early results point to a 33% improvement in productivity • Record Treasury Management revenue up 6.2% vs. 2024 driven by investments in talent and innovation, launching award-winning Embedded ERP Finance and advanced receivables platforms, and expanding healthcare payments and merchant services through strategic partnerships • Executing ahead of plan on Emerging Commercial banker hiring, completing 69% of initiative roles while advancing Small Business growth with combined year-over-year gains in SBA and Ascentium small-dollar lending of 5% • Deep client relationships continue to drive liquidity strength with total client liquidity increasing 8.1% vs. 2024 • AI-driven platforms powering banker enablement, TM implementation, and client onboarding, driving 35% of new business opportunities and expected to boost productivity by 20% • 2nd highest revenue year in Capital Markets, with 10% growth in Left Lead relationships contributing to a 20% increase in syndication revenue Investments in Our Businesses Investments in talent, technology and strategic acquisitions continue to pay off Corporate Consumer Wealth

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![](rf-20251231xexhibit993017.jpg)

17 Fair Value Hedging - Focused on decreasing AOCI volatility in the AFS portfolio • Added $0.6B in 2030 avg starting pay-fixed swaps (3.9%) with avg maturity in 2035 to shorten duration on reinvestment securities 4Q25 Asset Hedging Activity 2026 2027 2028 2029 2030 2031 2032 $24.6B $24.4B $22.4B $17.4B $16.8B $9.4B $3.9B $4.4B $4.4B $4.1B $4.0B $4.6B $4.7B $2.9B $20.2B $20.0B $18.3B $13.4B $12.2B $4.7B $1.0B (Q ua rt er ly A vg) Asset Hedge Notional 3.11% 3.21% 3.38% 3.54% 3.54% 3.59% 3.65% 3.60% 3.59% 3.59% 3.61% 3.65% 3.65% 3.72% (A nn ua l A vg) as of 12/31/2025 4Q25 1Q26 2Q26 3Q26 Receive-Fixed, Cash Flow Swaps - Loans $22.2B $23.3B $24.9B $25.2B Pay-Fixed, Fair Value Swaps - AFS Securities $4.3B $4.3B $4.4B $4.4B Net Asset Swap Position(2) $17.9B $19.0B $20.5B $20.8B Cash Flow Swap Receive Rate(1) 3.06% 3.08% 3.15% AFS Fair Value Swap Pay Rate(1) 3.60% 3.60% 3.59% $2.0B $2.0B $1.0B $0.0B $0.0B $0.0B $0.0BCash Flow Collars - Loans(3) $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(3) Pay-Fixed, Fair Value Swaps - AFS Securities Net Asset Swap Position(2) (1) Floating rate leg of swaps vs overnight SOFR. (2) Net Asset Swap Position equals Receive-Fixed Cash Flow Swaps - Loans minus Pay-Fixed Fair Value Swaps - AFS Securities. (3) Collars use short interest rate caps to pay for long interest rate floors; weighted avg. floor of 1.86%, weighted avg. cap of 6.22%. (4) $1.5B February 2026 start, $1.5B May 2026 start, and $0.5B August 2026 start. Cash Flow Hedging - Focused on decreasing NIM volatility • Added $3.5B in forward-starting received-fixed swaps (3.4%) with 2026 avg start date and avg maturity in 2031(4) to partially hedge 2026 expected fixed asset turnover

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![](rf-20251231xexhibit993018.jpg)

18 • Pre-invested ~$250mm of expected Q1 2026 paydowns • Reinvestment of paydowns/maturities accretive to portfolio yield by ~1.1% (excludes pre-investment) • Portfolio constructed to protect against changes in market rates ◦ Duration of ~3.9 years (AFS ~3.5 years) as of 12/31/2025; provides offset to long-duration deposit book ◦ 26% 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 • 99% US Government or Agency guaranteed ◦ ~$415M high quality, investment grade corporate bond portfolio is short-dated (<2.0 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 • 83% classified as Available-for-Sale; 17% Held-to-Maturity Agency/UST 9% Agency MBS 71% Agency CMBS 19% Corp Bonds 1% Securities Portfolio Provides downside rate protection/liquidity Securities Portfolio Composition(1) $33.2B Securities AOCI Burn Down and Impact to CET1(2) AO CI L os s ($M) Cum ulative CET1 Im pact 427 351 274 646 556 466 $1,074 $907 $740 —% 0.13% 0.27% AFS HTM CET1 Impact 12/31/2025 YE 2026 YE 2027 $— $250 $500 $750 $1,000 $1,250 4Q25 Activity AFS, 83% HTM, 17% (1) Includes AFS securities, the $573M unrealized AFS loss, and HTM securities as of 12/31/2025. (2) Estimated Tax-Adjusted AOCI, current portfolio, market forward interest rates, and Risk Weighted Assets as of 12/31/2025 $33.2B

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![](rf-20251231xexhibit993019.jpg)

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

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![](rf-20251231xexhibit993020.jpg)

20 0.73% —% 0.50% 1.00% 1.50% 2.00% 2.50% 0.59% —% 0.50% 1.00% 1.50% 2.00% Historical Credit Profile Non-Performing Loans Total Net Charge-Offs 1Q20 4Q254Q221Q20 4Q22 4Q25 • The increase in net charge-offs was due primarily to the previously identified portfolios of interest Average Pre-Pandemic 0.46% Average Pandemic 0.35% Average Pre-Pandemic 1.07% Average Pandemic 0.64% 1Q13 1Q13

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![](rf-20251231xexhibit993021.jpg)

21 0.70% —% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 0.53% —% 0.50% 1.00% Consumer Net Charge-Offs(2) Commercial Net Charge-Offs(1) 1Q20 4Q25 4Q22 1Q20 4Q22 4Q25 (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

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![](rf-20251231xexhibit993022.jpg)

22 Commercial Real Estate (Outstanding balances as of December 31, 2025) Highly Diversified Portfolio (IRE including Unsecured CRE) (1) Excludes $5.1B of Owner-occupied CRE whose source of repayment are individual businesses, and whose credit performance resembles Commercial during periods of stress. (2) Based off 09/30/2025 Risk Based Capital estimate. Supervisory limits in the December 2006 joint regulatory issuance "Guidance on Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices". Res. Homebuilders 6.8% Other 4.3% Hotel 4.7% Healthcare 8.0% Residential Land 0.4% Retail 7.5% Office 6.4% Data Center 3.2% Diversified 11.8% Industrial 14.9% Commercial Land 0.3% Self Storage 2.0% Apartments 29.7% $15.8B $ in billions % of Total Loans Unsecured CRE (incl. REITs) $6.7 7.0 % IRE 9.1 9.5 % Total(1) $15.8 16.5 % Yearly Loan Maturities 1% 32% 32% 22% 8% 4% 1% Multi-Family Office Other Real Estate Total Real Estate Matured 2026 2027 2028 2029 2030 >5years $— $1,000 $2,000 $3,000 Office 1% Data Center 10% Diversified 16% Apartments 6% Hotel 12% Industrial 27% Other 5% Self Storage 5% Retail 18% REITs within Total: $5.0B 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): 105% and Construction, Land, and Acq. & Dev. to Risk Based Capital: 16% are well below supervisory limits (300%/100%)

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![](rf-20251231xexhibit993023.jpg)

23 CRE- Office Portfolio (Outstanding balances as of December 31, 2025) (1) $ in Millions. Amounts include IRE and CRE Unsecured loans but exclude Held For Sale loans. Metrics represent 12/31/2025 results except for charge-offs, which reflects results for the 12 months ended December 31, 2025, 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 January 7, 2026; applied the "Recent Peak" discount to properties where the latest appraisal is >1 year (35% discount); applied the "Past 12 Months" discount to properties where an appraisal occurred within the last year (0% discount). (3) Includes matured balances. (4) Comprised of REITs and business banking borrowers. • Business Offices secured = 95% / unsecured = 5% • IRE WA LTV 65% (based on appraisal at origination or most recent received); Stressed IRE WA LTV 85% using GreenStreet(2) • 64% of secured outstanding IRE balances are located in the South of which 81% is Class A • Investment Grade tenants make up 77% of Single Tenant IRE balances • $598M or approximately 59% of total Office balances will mature in the next 12 months(3) • While the Office segment remains stressed; well located, highly amenitized properties are observing improvements to property fundamentals Key Portfolio Metrics(1) Balances $1,020 % of Total Loans 1.1% NPL $117 NPL / Loans 11.4% Charge-offs $54 Charge-offs / Loans 4.3% ACL $50 ACL / Loans 4.9% Ongoing Portfolio Surveillance 51%49% Multi-Tenant Single Tenant 81% 19% Class A Class B Investor Real Estate Office Portfolio Overview 79% 21% Suburban Urban ACL Rates Single Tenant Multi Tenant Miscellaneous(4) 4.1% 7.6% 1.4%

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![](rf-20251231xexhibit993024.jpg)

24 Transportation - Trucking (Outstanding balances as of December 31, 2025) (1) $ in Millions. Metrics represent 12/31/2025 results except for charge-offs, which reflects results for the 12 months ended December 31, 2025, 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 $1,200 % of Total Loans 1.3% NPL $78 NPL / Loans 6.5% Charge-offs $91 Charge-offs / Loans 6.8% ACL $102 ACL / Loans 8.5% • While the economic backdrop generally favors the trucking sector, trade uncertainty is still muting demand as manufacturers and shippers take a wait and see approach • Trucking conditions have improved modestly evidenced in seasonally stronger freight rates and capacity utilization in 4Q 2025; however, the improvement in freight rate and load growth is still expected to be low unless the market experiences a significant demand catalyst • North American Class 8 truck orders jumped to their highest level in more than three years in December 2025, however industry experts believe this was reflective of pent-up demand following tariff uncertainty coupled with clarity on new emissions rules, rather than a signal of true demand inflection • While there is cautious optimism headed into 2026 as excess capacity continues to decrease, the industry will continue to be pressured by higher costs • New originations in the sector have been curtailed and those that are being considered are either secured or targeted towards larger companies Ongoing Portfolio Surveillance

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![](rf-20251231xexhibit993025.jpg)

25 Consumer Lending Portfolio • Avg. origination FICO 757 • Current LTV 53% • 99% owner occupied • 4Q25 QTD NCO —% • Avg. origination FICO 761 • Current LTV 38% • 57% of portfolio is 1st lien • Avg. loan size $35,724 • $163M to convert to amortizing or balloon during 2026 • 4Q25 QTD NCO (0.06%) • Avg. origination FICO 781 • Avg. new loan $13,911 • 4Q25 Yield 7.84% • 4Q25 QTD NCO 1.76% • • Avg. origination FICO 774 • Avg. new line $9,604 • 4Q25 Yield 14.06% • 4Q25 QTD NCO 4.08% 5% 6% 5% 5% 10% 6% 7% 14% 9% 81% 67% 78% 2% 3% 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 12/31/2025. 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)

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![](rf-20251231xexhibit993026.jpg)

26 QoQ Highlights • 4Q allowance decreased $27M compared to the prior quarter, resulting in a $115M provision expense and a slight reduction in the ACL % from 1.78% to 1.76% • The change in ACL resulted from: ◦ Economic/Qualitative net increase driven primarily by an increase in qualitative adjustments ◦ Portfolio net decrease driven primarily by improvement in overall credit quality ◦ Decreases in Specific Reserve borrowers driven by charge-offs $1,713 $10 $(21) $(16) $1,686 Allowance for Credit Losses 12/31/2025 ($ in millions) 09/30/2025 Portfolio Changes Specific Reserve Changes Economic/ Qualitative Changes

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![](rf-20251231xexhibit993027.jpg)

27 Pre-R&S period 4Q2025 1Q2026 2Q2026 3Q2026 4Q2026 1Q2027 2Q2027 3Q2027 4Q2027 Real GDP, annualized % change 0.3 % 2.9 % 2.0 % 2.2 % 2.0 % 2.1 % 1.9 % 2.1 % 2.0 % Unemployment rate 4.5 % 4.5 % 4.5 % 4.4 % 4.4 % 4.3 % 4.3 % 4.2 % 4.2 % HPI, year-over-year % change 0.5 % (0.1) % (0.3) % (0.6) % (0.2) % 0.8 % 1.7 % 2.4 % 2.7 % CPI, year-over-year % change 3.2 % 3.0 % 3.3 % 3.1 % 2.7 % 2.6 % 2.5 % 2.5 % 2.4 % Base R&S Economic Outlook (As of December 2025) • A single, base economic forecast represents Regions' internal outlook for the economy as of 4Q25 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

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![](rf-20251231xexhibit993028.jpg)

28 As of 12/31/2025 Day 1 Ratios (in millions) Loan Balance ACL ACL/Loans Actual Proforma C&I $46,046 $596 1.30 % CRE-OO mortgage 4,845 101 2.09 % CRE-OO construction 263 6 2.29 % Total commercial $51,154 $703 1.38 % 1.33 % 1.32 % IRE mortgage 7,172 107 1.49 % IRE construction 1,934 28 1.44 % Total IRE $9,106 $135 1.48 % 1.06 % 1.06 % Residential first mortgage 19,765 112 0.57 % Home equity lines 3,232 100 3.09 % Home equity loans 2,324 30 1.27 % Consumer credit card 1,519 129 8.50 % Other consumer 885 89 10.10 % Total consumer $27,725 $460 1.66 % 1.73 % 1.47 % Sold/Acquired Portfolios(1) $7,652 $388 5.06 % 5.92 % 5.06 % Total $95,637 $1,686 1.76 % 1.71 % 1.64 % 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 4Q25 loan portfolio and applying the "Day 1" ACL rates would produce a proforma Day 1 ACL ratio of 1.64%. (1) Sold portfolios since Day 1 CECL include SoFi, GreenSky and Auto. Acquired portfolios include Ascentium and EnerBank.

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![](rf-20251231xexhibit993029.jpg)

29 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

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![](rf-20251231xexhibit993030.jpg)

30 As of and for Quarter Ended ($ amounts in millions, except per share data) 12/31/2025 9/30/2025 6/30/2025 3/31/2025 12/31/2024 TANGIBLE COMMON RATIOS Shareholders' equity (GAAP) A $19,043 $19,049 $18,666 $18,530 $17,879 Less: Preferred stock (GAAP) 1,369 1,369 1,369 1,715 1,715 Common shareholders' equity (GAAP) B 17,674 17,680 17,297 16,815 16,164 Less: Intangible assets (GAAP) 5,873 5,879 5,886 5,894 5,902 Deferred tax liability related to intangibles (GAAP) (138) (133) (130) (126) (126) Tangible common shareholders' equity (non-GAAP) C $11,939 $11,934 $11,541 $11,047 $10,388 Total assets (GAAP) D $159,553 $159,940 $159,206 $159,846 $157,302 Less: Intangible assets (GAAP) 5,873 5,879 5,886 5,894 5,902 Deferred tax liability related to intangibles (GAAP) (138) (133) (130) (126) (126) Tangible assets (non-GAAP) E $153,818 $154,194 $153,450 $154,078 $151,526 Shares outstanding—end of quarter F 868 885 894 899 909 Total equity to total assets (GAAP) A/D 11.94 % 11.91 % 11.72 % 11.59 % 11.37 % Tangible common shareholders' equity to tangible assets (non-GAAP) C/E 7.76 % 7.74 % 7.52 % 7.17 % 6.86 % Common book value per share (GAAP) B/F $20.36 $19.98 $19.35 $18.70 $17.77 Tangible common book value per share (non-GAAP) C/F $13.75 $13.49 $12.91 $12.29 $11.42 Non-GAAP Reconciliation Tangible Common Ratios

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![](rf-20251231xexhibit993031.jpg)

31 Non-GAAP Reconciliation Net Income Available to Common Shareholders, Adjusted Diluted EPS, and Return Ratios NM - Not Meaningful Quarter Ended Year Ended ($ amounts in millions) 12/31/2025 9/30/2025 6/30/2025 3/31/2025 12/31/2024 4Q25 vs. 3Q25 4Q25 vs. 4Q24 12/31/2025 Net income available to common shareholders (GAAP) A $514 $548 $534 $465 $508 $(34) (6.2) % $6 1.2 % $2,061 Adjustments: Securities (gains) losses, net — 25 — 25 30 (25) (100.0) % (30) (100.0) % 50 FDIC insurance special assessment (14) (3) (1) 1 (2) (11) (366.7) % (12) NM (17) Salaries and employee benefits—severance charges — — 1 1 10 — NM (10) (100.0) % 2 Branch consolidation, property and equipment charges — (5) — — 1 5 100.0 % (1) (100.0) % (5) Professional, legal and regulatory expenses — — — 2 — — NM — NM 2 Preferred stock redemption expense — — 4 — — — NM — NM 4 Total adjustments (14) 17 4 29 39 $(31) (182.4) % $(53) (135.9) % 36 Tax impact of adjusted items 4 (4) — (7) (9) 8 200.0 % 13 144.4 % (7) Adjusted net income available to common shareholders (non-GAAP) B $504 $561 $538 $487 $538 $(57) (10.2) % $(34) (6.3) % 2,090 Weighted-average diluted shares C 880 894 900 910 915 896 Diluted EPS (GAAP) A/C $0.58 $0.61 $0.59 $0.51 $0.56 $(0.03) (4.9) % $0.02 3.6 % $2.30 Adjusted diluted EPS (non-GAAP) B/C 0.57 0.63 0.60 0.54 0.59 $(0.06) (9.5) % $(0.02) (3.4) % $2.33 Average shareholders' equity (GAAP) 18,986 18,688 18,350 18,127 18,042 298 1.6 % 944 5.2 % $18,541 Less: Average preferred stock (GAAP) 1,369 1,369 1,513 1,715 1,715 — — % (346) (20.2) % 1,491 Average common shareholders' equity (GAAP) D 17,617 17,319 16,837 16,412 16,327 298 1.7 % 1,290 7.9 % $17,050 Less: Average intangible assets (GAAP) 5,876 5,883 5,891 5,899 5,907 (7) (0.1) % (31) (0.5) % 5,887 Average deferred tax liability related to intangibles (GAAP) (135) (131) (127) (126) (123) (4) (3.1) % (12) (9.8) % (130) Average tangible common shareholders' equity (non-GAAP) E $11,876 $11,567 $11,073 $10,639 $10,543 309 2.7 % 1,333 12.6 % 11,293 Return on average common shareholders' equity (GAAP) A/D 11.58 % 12.56 % 12.72 % 11.49 % 12.39 % 12.09 % Return on average tangible common shareholders' equity (non-GAAP) A/E 17.17 % 18.81 % 19.34 % 17.72 % 19.19 % 18.25 % Adjusted return on average tangible common shareholders' equity (non-GAAP) B/E 16.84 % 19.24 % 19.48 % 18.58 % 20.30 % 18.51 %

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![](rf-20251231xexhibit993032.jpg)

32 Non-GAAP Reconciliation Pre-Tax Pre-Provision Income (PPI) Quarter Ended Year Ended ($ amounts in millions) 12/31/2025 9/30/2025 6/30/2025 3/31/2025 12/31/2024 4Q25 vs. 3Q25 4Q25 vs. 4Q24 12/31/2025 Net income available to common shareholders (GAAP) $514 $548 $534 $465 $508 $(34) (6.2) % $6 1.2 % $2,061 Preferred dividends and other (GAAP) 20 21 29 25 26 (1) (4.8) % (6) (23.1) % 95 Income tax expense (GAAP) 174 139 143 131 123 35 25.2 % 51 41.5 % 587 Income before income taxes (GAAP) 708 708 706 621 657 — — % 51 7.8 % 2,743 Provision for credit losses (GAAP) 115 105 126 124 120 10 9.5 % (5) (4.2) % 470 Pre-tax pre-provision income (non-GAAP) 823 813 832 745 777 10 1.2 % 46 5.9 % 3,213 Other adjustments: Securities (gains) losses, net — 25 — 25 30 (25) (100.0) % (30) (100.0) % 50 FDIC insurance special assessment (14) (3) (1) 1 (2) (11) (366.7) % (12) NM (17) Salaries and employee benefits—severance charges — — 1 1 10 — NM (10) (100.0) % 2 Branch consolidation, property and equipment charges — (5) — — 1 5 (100.0) % (1) (100.0) % (5) Professional, legal and regulatory expenses — — — 2 — — NM — NM 2 Total other adjustments (14) 17 — 29 39 (31) (182.4) % (53) (135.9) % 32 Adjusted pre-tax pre-provision income (non-GAAP) $809 $830 $832 $774 $816 $(21) (2.5) % $(7) (0.9) % $3,245 NM - Not Meaningful

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![](rf-20251231xexhibit993033.jpg)

33 Non-GAAP Reconciliation NII, Non-Interest Income/Expense, and Efficiency Ratio NM - Not Meaningful Quarter Ended Year Ended ($ amounts in millions) 12/31/2025 9/30/2025 6/30/2025 3/31/2025 12/31/2024 4Q25 vs. 3Q25 4Q25 vs. 4Q24 12/31/2025 Non-interest expense (GAAP) A $1,098 $1,103 $1,073 $1,039 $1,038 $(5) (0.5) % $60 5.8 % $4,313 Adjustments: FDIC insurance special assessment 14 3 1 (1) 2 11 366.7 % 12 NM 17 Branch consolidation, property and equipment charges — 5 — — (1) (5) (100.0) % 1 100.0 % 5 Salary and employee benefits—severance charges — — (1) (1) (10) — NM 10 100.0 % (2) Professional, legal and regulatory expenses — — — (2) — — NM — NM (2) Adjusted non-interest expense (non-GAAP) B $1,112 $1,111 $1,073 $1,035 $1,029 $1 0.1 % $83 8.1 % $4,331 Net interest income (GAAP) C $1,281 $1,257 $1,259 $1,194 $1,230 $24 1.9 % $51 4.1 % $4,991 Taxable-equivalent adjustment 13 12 12 12 13 1 8.3 % — — % 49 Net interest income, taxable-equivalent basis D $1,294 $1,269 $1,271 $1,206 $1,243 $25 2.0 % $51 4.1 % $5,040 Non-interest income (GAAP) E 640 659 646 590 585 (19) (2.9) % 55 9.4 % $2,535 Adjustments: Securities (gains) losses, net — 25 — 25 30 (25) (100.0) % (30) (100.0) % 50 Adjusted non-interest income (non-GAAP) F $640 $684 $646 $615 $615 (44) (6.4) % $25 4.1 % $2,585 Total revenue C+E=G $1,921 $1,916 $1,905 $1,784 $1,815 $5 0.3 % $106 5.8 % $7,526 Adjusted total revenue (non-GAAP) C+F=H $1,921 $1,941 $1,905 $1,809 $1,845 $(20) (1.0) % $76 4.1 % $7,576 Total revenue, taxable-equivalent basis D+E=I $1,934 $1,928 $1,917 $1,796 $1,828 $6 0.3 % $106 5.8 % $7,575 Adjusted total revenue, taxable-equivalent basis (non-GAAP) D+F=J $1,934 $1,953 $1,917 $1,821 $1,858 $(19) (1.0) % $76 4.1 % $7,625 Efficiency ratio (GAAP) A/I 56.8 % 57.2 % 56.0 % 57.9 % 56.8 % 56.9 % Adjusted efficiency ratio (non-GAAP) B/J 57.5 % 56.9 % 56.0 % 56.8 % 55.4 % 56.8 % Fee income ratio (GAAP) E/I 33.1 % 34.2 % 33.7 % 32.9 % 32.0 % 33.5 % Adjusted fee income ratio (non-GAAP) F/J 33.1 % 35.0 % 33.7 % 33.8 % 33.1 % 33.9 %

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![](rf-20251231xexhibit993034.jpg)

34 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

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![](rf-20251231xexhibit993035.jpg)

35 Quarter Ended ($ amounts in millions) 12/31/2025 9/30/2025 6/30/2025 3/31/2025 12/31/2024 CET1 RATIOS Common Equity Tier 1(1) A $13,486 $13,620 $13,533 $13,355 $13,434 Adjustments: AOCI gain (loss) on securities(2) (1,076) (1,241) (1,485) (1,645) (2,024) AOCI gain (loss) on defined benefit pension plans and other post employment benefits (391) (396) (401) (406) (410) Common Equity Tier 1 (inclusive of AOCI)(non-GAAP) B $12,019 $11,983 $11,647 $11,304 $11,000 Total risk-weighted assets(1) C $125,311 $125,386 $125,755 $123,755 $124,440 Common Equity Tier 1 ratio(1)(3) A/C 10.8 % 10.9 % 10.8 % 10.8 % 10.8 % Common Equity Tier 1 ratio (inclusive of AOCI)(non-GAAP)(1)(3) B/C 9.6 % 9.6 % 9.3 % 9.1 % 8.8 % 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.

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![](rf-20251231xexhibit993036.jpg)

36 Forward-Looking Statements This presentation 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: • Current and future economic and market conditions in the United States generally or in the communities we serve (in particular the Southeastern United States), including the effects of possible declines in property values, increases in interest rates and unemployment rates, inflation, financial market disruptions and potential reductions of economic growth, which may adversely affect our lending and other businesses and our financial results and conditions. • Possible changes in trade, monetary and fiscal policies of, and other activities undertaken by, governments, agencies, central banks and similar organizations, including tariffs, which could have a material adverse effect on our businesses and our financial results and conditions. • Changes in market interest rates or capital markets could adversely affect our revenue and expense, the value of assets (such as our portfolio of investment securities) and obligations, as well as the availability and cost of capital and liquidity. • Volatility and uncertainty about the direction of interest rates and the timing of any changes, which may lead to increased costs for businesses and consumers and potentially contribute to poor business and economic conditions generally. • Possible changes in the creditworthiness of customers and the possible impairment of the collectability of loans and leases. • Changes in the speed of loan prepayments, loan origination and sale volumes, charge-offs, credit loss provisions or actual credit losses where our allowance for credit losses may not be adequate to cover our eventual losses. • Possible acceleration of prepayments on mortgage-backed securities due to declining interest rates, and the related acceleration of premium amortization on those securities. • Possible changes in consumer and business spending and saving habits and the related effect on our ability to increase assets and to attract deposits, which could adversely affect our net income. • Loss of customer checking and savings account deposits as customers pursue other, higher-yield investments, or the need to price interest-bearing deposits higher due to competitive forces. Either of these activities could increase our funding costs. • Possible downgrades in our credit ratings or outlook could, among other negative impacts, increase the costs of funding from capital markets. • The loss of value of our investment portfolio could negatively impact market perceptions of us. • Our ability to manage fluctuations in the value of assets and liabilities and off-balance sheet exposure so as to maintain sufficient capital and liquidity to support our businesses. • The effects of social media on market perceptions of us and banks generally. • The effects of problems encountered by other financial institutions that adversely affect us or the banking industry generally could require us to change certain business practices, reduce our revenue, impose additional costs on us, or otherwise negatively affect our businesses. • Volatility in the financial services industry (including failures or rumors of failures of other depository institutions), along with actions taken by governmental agencies to address such turmoil, could affect the ability of depository institutions, including us, to attract and retain depositors and to borrow or raise capital. • Our ability to effectively compete with other traditional and non-traditional financial services companies, including fintechs, digital wallet providers, and digital currency issuers, some of which possess greater financial resources than we do or are subject to different regulatory standards than we are. Forward-Looking Statements

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![](rf-20251231xexhibit993037.jpg)

37 • Our inability to develop and gain acceptance from current and prospective customers for new products and services and the enhancement of existing products and services to meet customers' needs and respond to emerging technological trends in a timely manner could have a negative impact on our revenue. • Our inability to keep pace with technological changes, including those related to the offering of digital banking and financial services, could result in losing business to competitors. • The development and use of AI presents risks and challenges that may adversely impact our business. • Our ability to execute on our strategic and operational plans, including our ability to fully realize the financial and nonfinancial benefits relating to our strategic initiatives. • The risks and uncertainties related to our acquisition or divestiture of businesses and risks related to such acquisitions, including that the expected synergies, cost savings and other financial or other benefits may not be realized within expected timeframes, or might be less than projected; and difficulties in integrating acquired businesses. • The success of our marketing efforts in attracting and retaining customers. • Our ability to achieve our expense management initiatives. • Changes in commodity market prices and conditions could adversely affect the cash flows of our borrowers operating in industries that are impacted by changes in commodity prices (including businesses indirectly impacted by commodities prices such as businesses that transport commodities or manufacture equipment used in the production of commodities), which could impair the ability of those borrowers to service any loans outstanding to them and/or reduce demand for loans in those industries. • The effects of geopolitical instability, including wars, conflicts, civil unrest, and terrorist attacks and the potential impact, directly or indirectly, on our businesses. • Fraud, theft or other misconduct conducted by external parties, including our customers and business partners, or by our employees. • Any inaccurate or incomplete information provided to us by our customers or counterparties. • Inability of our framework to manage risks associated with our businesses, such as credit risk and operational risk, including third-party vendors and other service providers, which inability could, among other things, result in a breach of operating or security systems as a result of a cyber-attack or similar act or failure to deliver our services effectively. • Our ability to identify and address operational risks associated with the introduction of or changes to products, services, or delivery platforms. • Dependence on key suppliers or vendors to obtain equipment and other supplies for our businesses on acceptable terms. • The inability of our internal controls and procedures to prevent, detect or mitigate any material errors or fraudulent acts. • Our ability to identify and address cyber-security risks such as data security breaches, malware, ransomware, "denial of service" attacks, "hacking" and identity theft, including account take-overs, a failure of which could disrupt our businesses and result in the disclosure of and/or misuse or misappropriation of confidential or proprietary information, disruption or damage to our systems, increased costs, losses, or adverse effects to our reputation. • The effects of the failure of any component of our business infrastructure provided by a third party could disrupt our businesses, result in the disclosure of and/or misuse of confidential information or proprietary information, increase our costs, negatively affect our reputation, and cause losses. • The effects of any developments, changes or actions relating to any litigation or regulatory proceedings brought against us or any of our subsidiaries. • The costs, including possibly incurring fines, penalties, or other negative effects (including reputational harm) of any adverse judicial, administrative, or arbitral rulings or proceedings, regulatory enforcement actions or other legal actions to which we or any of our subsidiaries are a party, and which may adversely affect our results. • Changes in laws and regulations affecting our businesses, including legislation and regulations relating to bank products and services, such as changes to debit card interchange fees, special FDIC assessments, any new long-term debt requirements, as well as changes in the enforcement and interpretation of such laws and regulations by applicable governmental and self-regulatory agencies, including as a result of the changes in control of the U.S. Congress and changes in personnel at the bank regulatory agencies, which could require us to change certain business practices, increase compliance risk, reduce our revenue, impose additional costs on us, or otherwise negatively affect our businesses. • Our capital actions, including dividend payments, common stock repurchases, or redemptions of preferred stock, must not cause us to fall below minimum capital ratio requirements, with applicable buffers taken into account, and must comply with other requirements and restrictions under law or imposed by our regulators, which may impact our ability to return capital to shareholders. Forward-Looking Statements (continued)

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38 • Our ability to comply with stress testing and capital planning requirements (as part of the CCAR process or otherwise) may continue to require a significant investment of our managerial resources due to the importance of such tests and requirements. • Our ability to comply with applicable capital and liquidity requirements (including, among other things, the Basel III Rules), including our ability to generate capital internally or raise capital on favorable terms, and if we fail to meet requirements, our financial condition and market perceptions of us could be negatively impacted. • Our ability to recruit and retain talented and experienced personnel to assist in the development, management and operation of our products and services may be affected by changes in laws and regulations in effect from time to time. • Our ability to receive dividends from our subsidiaries, in particular Regions Bank, could affect our liquidity and ability to pay dividends to shareholders. • Fluctuations in the price of our common stock and inability to complete stock repurchases in the time frame and/or on the terms anticipated. • The effects of anti-takeover laws and exclusive forum provision in our certificate of incorporation and bylaws. • The effect of new tax legislation and/or interpretation of existing tax law, which may impact our earnings, capital ratios and our ability to return capital to shareholders. • Changes in accounting policies or procedures as may be required by the FASB or other regulatory agencies could materially affect our financial statements and how we report those results, and expectations and preliminary analyses relating to how such changes will affect our financial results could prove incorrect. • Any impairment of our goodwill or other intangibles, any repricing of assets or any adjustment of valuation allowances on our deferred tax assets due to changes in tax law, adverse changes in the economic environment declining operations of the reporting unit or other factors. • The effects of man-made and natural disasters, including fires, floods, droughts, tornadoes, hurricanes and environmental damage (especially in the Southeastern United States), which may negatively affect our operations and/or our loan portfolios and increase our cost of conducting business. The severity and frequency of future earthquakes, fires, hurricanes, tornadoes, droughts, floods and other weather-related events are difficult to predict and may be exacerbated by global climate change. • The impact of pandemics on our businesses, operations and financial results and conditions. The duration and severity of any pandemic as well as government actions or other restrictions in connection with such events could disrupt the global economy, adversely affect our capital and liquidity position, impair the ability of borrowers to repay outstanding loans and increase our allowance for credit losses, impair collateral values and result in lost revenue or additional expenses. • The effects of any damage to our reputation resulting from developments related to any of the items identified above. • Other risks identified from time to time in reports that we file with the SEC. The foregoing list of factors is not exhaustive. For discussion of these and other factors that may cause actual results to differ from expectations, look under the captions "Forward-Looking Statements" and "Risk Factors" in Regions' Annual Report on Form 10-K for the year ended December 31, 2024 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 Dana Nolan at (205) 264-7040; Regions' Media contact is Jeremy King at (205) 264-4551. Forward-Looking Statements (continued)

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Internal Use

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