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Regions Financial Corporation and Subsidiaries
Financial Supplement (unaudited)
First Quarter 2026





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

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

*Use of non-GAAP financial measures
Regions believes that the presentation of non-GAAP financial measures provides a meaningful basis for period-to-period comparisons, which management believes will assist investors in assessing the performance of the Company on the same basis as that applied by management. Non-GAAP financial measures have inherent limitations, are not required to be uniformly applied and are not audited. Although non-GAAP financial measures are frequently used by stakeholders in the evaluation of a company, they have limitations as analytical tools, and should not be considered in isolation, or as a substitute for analyses of results as reported under GAAP. In particular, a measure of earnings that excludes certain adjustments does not represent the amount that effectively accrues directly to shareholders. Additionally, our non-GAAP financial measures may not be comparable to similar non-GAAP financial measures used by other companies and there is no certainty that we will not incur expenses in the future that are similar to those excluded in the calculations on non-GAAP financial measures presented herein.

Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to First Quarter 2026 Earnings Release
Financial Highlights
Quarter Ended
($ amounts in millions, except per share data)3/31/202612/31/20259/30/20256/30/20253/31/2025
Earnings Summary
Interest income - taxable equivalent$1,715 $1,781 $1,808 $1,796 $1,737 
Interest expense - taxable equivalent454 487 539 525 531 
Net interest income - taxable equivalent1,261 1,294 1,269 1,271 1,206 
Less: Taxable-equivalent adjustment13 13 12 12 12 
Net interest income 1,248 1,281 1,257 1,259 1,194 
Provision for credit losses91 115 105 126 124 
Net interest income after provision for credit losses1,157 1,166 1,152 1,133 1,070 
Non-interest income625 640 659 646 590 
Non-interest expense1,068 1,098 1,103 1,073 1,039 
Income before income taxes714 708 708 706 621 
Income tax expense155 174 139 143 131 
Net income$559 $534 $569 $563 $490 
Net income available to common shareholders$539 $514 $548 $534 $465 
Adjusted net income available to common shareholders (non-GAAP) (1)
$539 $504 $561 $538 $487 
Weighted-average shares outstanding—during quarter:
Basic863 875 890 898 906 
Diluted868 880 894 900 910 
Basic earnings per common share $0.63 $0.59 $0.62 $0.59 $0.51 
Diluted earnings per common share $0.62 $0.58 $0.61 $0.59 $0.51 
Adjusted diluted earnings per common share (non-GAAP) (1)
$0.62 $0.57 $0.63 $0.60 $0.54 
Balance Sheet Summary
At quarter-end
Loans, net of unearned income$97,926 $95,637 $96,125 $96,723 $95,733 
Allowance for credit losses(1,647 )(1,686 )(1,713 )(1,743 )(1,730 )
Assets160,741 158,814 159,940 159,206 159,846 
Deposits131,880 131,128 130,334 130,919 130,971 
Long-term borrowings3,137 4,134 4,785 5,279 6,019 
Shareholders' equity18,779 19,043 19,049 18,666 18,530 
Average balances
Loans, net of unearned income$96,423 $95,651 $96,647 $96,077 $96,122 
Assets159,287 158,107 159,089 157,974 156,876 
Deposits130,234 129,850 129,575 129,444 127,687 
Long-term borrowings3,750 4,524 5,527 5,660 6,001 
Shareholders' equity19,077 18,986 18,688 18,350 18,127 
_____
(1) See reconciliation of these non-GAAP measures to the most directly comparable GAAP measures on page 15.



1
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to First Quarter 2026 Earnings Release
Selected Ratios and Other Information
As of and for Quarter Ended
 3/31/202612/31/20259/30/20256/30/20253/31/2025
Return on average assets* (1)
1.42 %1.34 %1.42 %1.43 %1.27 %
Return on average common shareholders' equity*12.35 %11.58 %12.56 %12.72 %11.49 %
Return on average tangible common shareholders’ equity (non-GAAP)* (2)
18.26 %17.17 %18.81 %19.34 %17.72 %
Adjusted return on average tangible common shareholders' equity (non-GAAP) *(2)
18.26 %16.84 %19.24 %19.48 %18.58 %
Efficiency ratio56.6 %56.8 %57.2 %56.0 %57.9 %
Adjusted efficiency ratio (non-GAAP) (2)
56.6 %57.5 %56.9 %56.0 %56.8 %
Dividend payout ratio (3)
42.3 %44.8 %43.0 %42.0 %48.6 %
Common book value per share$20.39 $20.36 $19.98 $19.35 $18.70 
Tangible common book value per share (non-GAAP) (2)
$13.69 $13.75 $13.49 $12.91 $12.29 
Total shareholders' equity to total assets11.68 %11.99 %11.91 %11.72 %11.59 %
Tangible common shareholders’ equity to tangible assets (non-GAAP) (2)
7.54 %7.80 %7.74 %7.52 %7.17 %
Common equity Tier 1 (4)
$13,419$13,490 $13,620 $13,533 $13,355 
Total risk-weighted assets (4)
$125,860$123,882 $125,386 $125,755 $123,755 
Common equity Tier 1 ratio (4)
10.7 %10.9 %10.9 %10.8 %10.8 %
Common equity Tier 1 ratio (inclusive of AOCI) (non-GAAP) (2)(4)
9.4 %9.7 %9.6 %9.3 %9.1 %
Tier 1 capital ratio (4)
11.7 %12.0 %12.0 %11.9 %12.2 %
Total risk-based capital ratio (4)
13.6 %13.9 %13.8 %13.7 %14.1 %
Leverage ratio (4)
9.6 %9.7 %9.7 %9.7 %9.8 %
Effective tax rate 21.6 %24.5 %19.7 %20.3 %21.1 %
Allowance for credit losses as a percentage of loans, net of unearned income1.68 %1.76 %1.78 %1.80 %1.81 %
Allowance for credit losses to non-performing loans, excluding loans held for sale 238 %242 %226 %225 %205 %
Net interest margin (FTE)* 3.67 %3.70 %3.59 %3.65 %3.52 %
Loans, net of unearned income, to total deposits74.3 %72.9 %73.8 %73.9 %73.1 %
Net charge-offs as a percentage of average loans*0.54 %0.59 %0.55 %0.47 %0.52 %
Business criticized loans to total business loans5.15 %5.31 %5.81 %7.22 %7.82 %
Non-performing loans, excluding loans held for sale, as a percentage of loans0.71 %0.73 %0.79 %0.80 %0.88 %
Non-performing assets (excluding loans 90 days past due) as a percentage of loans, foreclosed properties, and non-performing loans held for sale0.73 %0.75 %0.82 %0.84 %0.92 %
Non-performing assets (including loans 90 days past due) as a percentage of loans, foreclosed properties, and non-performing loans held for sale (5)
0.90 %0.94 %0.98 %1.01 %1.11 %
Associate headcount—full-time equivalent 19,910 19,969 19,675 19,642 19,541 
ATMs 1,779 1,786 1,874 1,996 2,008 
Branch Statistics
Full service1,221 1,222 1,223 1,224 1,224 
Drive-through/transaction service only25 25 25 26 25 
Total branch outlets1,246 1,247 1,248 1,250 1,249 
*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 11, 14, 15, and 16.
(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 19 for amounts related to these loans.

2
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to First Quarter 2026 Earnings Release
Consolidated Balance Sheets
As of
($ amounts in millions)3/31/202612/31/20259/30/20256/30/20253/31/2025
Assets:
Cash and due from banks$3,445 $3,112 $3,073 $3,245 $3,287 
Interest-bearing deposits in other banks7,698 7,795 9,026 7,930 11,029 
Debt securities held to maturity5,434 5,606 5,769 5,972 5,195 
Debt securities available for sale27,419 27,560 26,886 26,333 25,942 
Loans held for sale464 511 573 594 345 
Loans, net of unearned income 97,926 95,637 96,125 96,723 95,733 
Allowance for loan losses
(1,527)(1,556)(1,581)(1,612)(1,613)
Net loans96,399 94,081 94,544 95,111 94,120 
Other earning assets1,635 1,703 1,513 1,682 1,412 
Premises and equipment, net1,666 1,659 1,742 1,755 1,726 
Interest receivable569 571 574 574 583 
Goodwill5,733 5,733 5,733 5,733 5,733 
Residential mortgage servicing rights at fair value (MSRs)954 970 976 988 979 
Other identifiable intangible assets, net133 140 146 153 161 
Other assets9,192 9,373 9,385 9,136 9,334 
Total assets$160,741 $158,814 $159,940 $159,206 $159,846 
Liabilities and Equity:
Deposits:
Non-interest-bearing$40,062 $39,530 $39,768 $40,209 $40,443 
Interest-bearing91,818 91,598 90,566 90,710 90,528 
Total deposits131,880 131,128 130,334 130,919 130,971 
Borrowed funds:
Federal funds purchased and securities sold under agreements to repurchase1,200 — — — — 
Other short-term borrowings2,000 750 1,300 — — 
Short-term borrowings3,200 750 1,300 — — 
Long-term borrowings3,137 4,134 4,785 5,279 6,019 
Other liabilities3,680 3,699 4,426 4,302 4,289 
Total liabilities141,897 139,711 140,845 140,500 141,279 
Equity:
Preferred stock, non-cumulative perpetual1,369 1,369 1,369 1,369 1,715 
Common stock9 9 9 9 9 
Additional paid-in capital9,973 10,366 10,780 11,017 11,161 
Retained earnings10,517 10,205 9,922 9,609 9,299 
Treasury stock, at cost(1,371)(1,371)(1,371)(1,371)(1,371)
Accumulated other comprehensive income (loss), net(1,718)(1,535)(1,660)(1,967)(2,283)
Total shareholders’ equity18,779 19,043 19,049 18,666 18,530 
Noncontrolling interest
65 60 46 40 37 
Total equity
18,844 19,103 19,095 18,706 18,567 
Total liabilities and equity$160,741 $158,814 $159,940 $159,206 $159,846 







3
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to First Quarter 2026 Earnings Release
End of Period Loans
As of
    3/31/20263/31/2026
($ amounts in millions)3/31/202612/31/20259/30/20256/30/20253/31/2025 vs. 12/31/2025 vs. 3/31/2025
Commercial and industrial$50,824 $48,790 $49,234 $49,586 $48,879 $2,034 4.2 %$1,945 4.0 %
Commercial real estate mortgage—owner-occupied5,004 4,845 4,835 4,890 4,849 159 3.3 %155 3.2 %
Commercial real estate construction—owner-occupied261 263 285 275 316 (2)(0.8)%(55)(17.4)%
Total commercial56,089 53,898 54,354 54,751 54,044 2,191 4.1 %2,045 3.8 %
Commercial investor real estate mortgage 7,706 7,172 7,122 6,949 6,376 534 7.4 %1,330 20.9 %
Commercial investor real estate construction1,938 1,934 1,948 2,149 2,457 4 0.2 %(519)(21.1)%
Total investor real estate9,644 9,106 9,070 9,098 8,833 538 5.9 %811 9.2 %
Total business65,733 63,004 63,424 63,849 62,877 2,729 4.3 %2,856 4.5 %
Residential first mortgage19,621 19,765 19,881 20,020 20,000 (144)(0.7)%(379)(1.9)%
Home equity—lines of credit (1)
3,210 3,232 3,209 3,184 3,130 (22)(0.7)%80 2.6 %
Home equity—closed-end (2)
2,287 2,324 2,340 2,352 2,371 (37)(1.6)%(84)(3.5)%
Consumer credit card1,472 1,519 1,437 1,415 1,384 (47)(3.1)%88 6.4 %
Other consumer (3)
5,603 5,793 5,834 5,903 5,971 (190)(3.3)%(368)(6.2)%
Total consumer32,193 32,633 32,701 32,874 32,856 (440)(1.3)%(663)(2.0)%
Total Loans$97,926 $95,637 $96,125 $96,723 $95,733 $2,289 2.4 %$2,193 2.3 %
______
(1)     The balance of Regions' home equity lines of credit consists of $1,389 million of first lien and $1,821 million of second lien at 3/31/2026.
(2)    The balance of Regions' closed-end home equity loans consists of $1,708 million of first lien and $579 million of second lien at 3/31/2026.
(3)    Other consumer loans also include Regions' Home Improvement Financing portfolio balances of $4.8 billion at 3/31/2026, $4.9 billion at 12/31/2025, $5.0 billion at 9/30/2025, $5.0 billion at 6/30/2025 and $5.1 billion at 3/31/2025.

As of
End of Period Loans by Percentage(1)
3/31/202612/31/20259/30/20256/30/20253/31/2025
Commercial and industrial51.9 %51.0 %51.2 %51.3 %51.1 %
Commercial real estate mortgage—owner-occupied5.1 %5.1 %5.0 %5.1 %5.1 %
Commercial real estate construction—owner-occupied0.3 %0.3 %0.3 %0.3 %0.3 %
Total commercial57.3 %56.4 %56.5 %56.6 %56.5 %
Commercial investor real estate mortgage7.8 %7.5 %7.4 %7.2 %6.7 %
Commercial investor real estate construction2.0 %2.0 %2.0 %2.2 %2.6 %
Total investor real estate9.8 %9.5 %9.4 %9.4 %9.2 %
Total business67.1 %65.9 %66.0 %66.0 %65.7 %
Residential first mortgage20.1 %20.7 %20.7 %20.7 %20.9 %
Home equity—lines of credit 3.3 %3.4 %3.3 %3.3 %3.3 %
Home equity—closed-end 2.3 %2.4 %2.4 %2.4 %2.5 %
Consumer credit card1.5 %1.6 %1.5 %1.5 %1.4 %
Other consumer5.7 %6.1 %6.1 %6.1 %6.2 %
Total consumer32.9 %34.1 %34.0 %34.0 %34.3 %
Total Loans100.0 %100.0 %100.0 %100.0 %100.0 %
(1)Amounts have been calculated using whole dollar values, and therefore such amounts may not add to total amounts.

4
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to First Quarter 2026 Earnings Release
Average Balances of Loans
 Average Balances
($ amounts in millions)1Q264Q253Q252Q251Q251Q26 vs. 4Q251Q26 vs. 1Q25
Commercial and industrial$49,572 $48,769 $49,588 $49,033 $49,209 $803 1.6 %$363 0.7 %
Commercial real estate mortgage—owner-occupied4,887 4,866 4,860 4,900 4,863 21 0.4 %24 0.5 %
Commercial real estate construction—owner-occupied259 260 274 270 317 (1)(0.4)%(58)(18.3)%
Total commercial54,718 53,895 54,722 54,203 54,389 823 1.5 %329 0.6 %
Commercial investor real estate mortgage7,381 7,210 7,087 6,805 6,484 171 2.4 %897 13.8 %
Commercial investor real estate construction1,946 1,906 2,051 2,204 2,267 40 2.1 %(321)(14.2)%
Total investor real estate9,327 9,116 9,138 9,009 8,751 211 2.3 %576 6.6 %
Total business 64,045 63,011 63,860 63,212 63,140 1,034 1.6 %905 1.4 %
Residential first mortgage19,674 19,822 19,944 19,992 20,037 (148)(0.7)%(363)(1.8)%
Home equity—lines of credit3,216 3,219 3,197 3,168 3,135 (3)(0.1)%81 2.6 %
Home equity—closed-end2,298 2,327 2,341 2,357 2,374 (29)(1.2)%(76)(3.2)%
Consumer credit card1,473 1,458 1,420 1,397 1,394 15 1.0 %79 5.7 %
Other consumer (1)
5,717 5,814 5,885 5,951 6,042 (97)(1.7)%(325)(5.4)%
Total consumer32,378 32,640 32,787 32,865 32,982 (262)(0.8)%(604)(1.8)%
Total Loans$96,423 $95,651 $96,647 $96,077 $96,122 $772 0.8 %$301 0.3 %
________
(1)    Other consumer loans also include Regions' Home Improvement Financing portfolio balances of $4.8 billion at 3/31/2026, $4.9 billion at 12/31/2025, $5.0 billion at 9/30/2025, $5.1 billion at 6/30/2025 and $5.1 billion at 3/31/2025.

5
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to First Quarter 2026 Earnings Release
End of Period Deposits
 As of
     3/31/20263/31/2026
($ amounts in millions)3/31/202612/31/20259/30/20256/30/20253/31/2025 vs. 12/31/2025 vs. 3/31/2025
Non-interest-bearing deposits$40,062 $39,530 $39,768 $40,209 $40,443 $5321.3%$(381)(0.9)%
Interest-bearing checking25,017 25,677 24,669 24,704 25,281 (660)(2.6)%(264)(1.0)%
Savings12,405 11,914 11,944 12,187 12,466 4914.1%(61)(0.5)%
Money market—domestic41,288 40,119 39,051 38,525 37,289 1,1692.9%3,99910.7%
Time deposits13,108 13,888 14,902 15,294 15,492 (780)(5.6)%(2,384)(15.4)%
Total Deposits$131,880 $131,128 $130,334 $130,919 $130,971 $7520.6%$9090.7%
 As of
   3/31/20263/31/2026
($ amounts in millions)3/31/202612/31/20259/30/20256/30/20253/31/2025 vs. 12/31/2025 vs. 3/31/2025
Consumer Bank Segment$81,271 $80,193 $79,689 $79,953 $80,627 $1,0781.3%$6440.8%
Corporate Bank Segment40,574 40,449 40,415 40,101 39,696 1250.3%8782.2%
Wealth Management Segment7,750 8,344 7,654 7,352 7,798 (594)(7.1)%(48)(0.6)%
Other (1)
2,285 2,142 2,576 3,513 2,850 1436.7%(565)(19.8)%
Total Deposits$131,880 $131,128 $130,334 $130,919 $130,971 $7520.6%$9090.7%
 As of
    3/31/20263/31/2026
($ amounts in millions)3/31/202612/31/20259/30/20256/30/20253/31/2025 vs. 12/31/2025 vs. 3/31/2025
Wealth Management - Private Wealth$6,741 $7,149 $6,698 $6,433 $6,931 $(408)(5.7)%$(190)(2.7)%
Wealth Management - Institutional Services1,009 1,195 956 919 867 (186)(15.6)%14216.4%
Total Wealth Management Segment Deposits$7,750 $8,344 $7,654 $7,352 $7,798 $(594)(7.1)%$(48)(0.6)%

As of
End of Period Deposits by Percentage3/31/202612/31/20259/30/20256/30/20253/31/2025
Non-interest-bearing deposits30.4 %30.1 %30.5 %30.7 %30.9 %
Interest-bearing checking19.0 %19.6 %18.9 %18.9 %19.3 %
Savings9.4 %9.1 %9.2 %9.3 %9.5 %
Money market—domestic31.3 %30.6 %30.0 %29.4 %28.5 %
Time deposits9.9 %10.6 %11.4 %11.7 %11.8 %
Total Deposits100.0 %100.0 %100.0 %100.0 %100.0 %
(1)Other deposits represent non-customer balances primarily consisting of wholesale funding (for example, selected deposits and brokered time deposits) and additional wholesale funding arrangements. Other deposits includes brokered deposits totaling $1.5 billion at 3/31/2026, $1.3 billion at 12/31/2025, $1.8 billion at 9/30/2025, $2.8 billion at 6/30/2025 and $2.2 billion at 3/31/2025.










6
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to First Quarter 2026 Earnings Release
Average Balances of Deposits
Average Balances
($ amounts in millions)1Q264Q253Q252Q251Q251Q26 vs. 4Q251Q26 vs. 1Q25
Non-interest-bearing deposits$39,160 $39,459 $39,538 $39,556 $39,053 $(299)(0.8)%$107 0.3 %
Interest-bearing checking25,245 24,528 24,274 24,865 25,033 717 2.9 %212 0.8 %
Savings12,075 11,876 12,046 12,300 12,177 199 1.7 %(102)(0.8)%
Money market—domestic 40,366 39,591 38,593 37,389 35,625 775 2.0 %4,741 13.3 %
Time deposits13,388 14,396 15,124 15,334 15,799 (1,008)(7.0)%(2,411)(15.3)%
Total Deposits$130,234 $129,850 $129,575 $129,444 $127,687 $384 0.3 %2,547 2.0 %
 Average Balances
($ amounts in millions)1Q264Q253Q252Q251Q251Q26 vs. 4Q251Q26 vs. 1Q25
Consumer Bank Segment$79,599 $79,437 $79,698 $79,912 $78,712 $162 0.2 %$887 1.1 %
Corporate Bank Segment40,707 40,243 39,733 39,234 38,312 464 1.2 %2,395 6.3 %
Wealth Management Segment7,777 7,810 7,262 7,324 7,600 (33)(0.4)%177 2.3 %
Other (1)
2,151 2,360 2,882 2,974 3,063 (209)(8.9)%(912)(29.8)%
Total Deposits$130,234 $129,850 $129,575 $129,444 $127,687 $384 0.3 %$2,547 2.0 %
 Average Balances
($ amounts in millions)1Q264Q253Q252Q251Q251Q26 vs. 4Q251Q26 vs. 1Q25
Wealth Management - Private Wealth$6,747 $6,719 $6,604 $6,705 $6,897 $28 0.4 %$(150)(2.2)%
Wealth Management - Institutional Services1,030 1,091 658 619 703 (61)(5.6)%327 46.5 %
Total Wealth Management Segment Deposits$7,777 $7,810 $7,262 $7,324 $7,600 $(33)(0.4)%$177 2.3 %
(1)Other deposits represent non-customer balances primarily consisting of wholesale funding (for example, selected deposits and brokered time deposits) and additional wholesale funding arrangements.


7
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to First Quarter 2026 Earnings Release
Consolidated Statements of Income (unaudited)
Quarter Ended
($ amounts in millions, except per share data)3/31/202612/31/20259/30/20256/30/20253/31/2025
Interest income on:
Loans, including fees $1,313 $1,358 $1,386 $1,377 $1,342 
Debt securities298 300 293 286 266 
Loans held for sale8 9 9 9 8 
Other earning assets 83 101 108 112 109 
Total interest income1,702 1,768 1,796 1,784 1,725 
Interest expense on:
Deposits385 421 456 447 442 
Short-term borrowings17 4 8 1 4 
Long-term borrowings52 62 75 77 85 
Total interest expense454 487 539 525 531 
Net interest income 1,248 1,281 1,257 1,259 1,194 
Provision for credit losses91 115 105 126 124 
Net interest income after provision for credit losses1,157 1,166 1,152 1,133 1,070 
Non-interest income:
Service charges on deposit accounts163 163 160 151 161 
Card and ATM fees117 123 122 125 117 
Wealth management income141 143 139 133 129 
Capital markets income84 80 104 83 80 
Mortgage income32 32 38 48 40 
Securities gains (losses), net(3)— (27)(1)(25)
Other91 99 123 107 88 
Total non-interest income625 640 659 646 590 
Non-interest expense:
Salaries and employee benefits659 662 671 658 625 
Equipment and software expense108 112 106 104 99 
Net occupancy expense72 74 72 72 70 
Other229 250 254 239 245 
Total non-interest expense1,068 1,098 1,103 1,073 1,039 
Income before income taxes714 708 708 706 621 
Income tax expense 155 174 139 143 131 
Net income $559 $534 $569 $563 $490 
Net income available to common shareholders$539 $514 $548 $534 $465 
Weighted-average shares outstanding—during quarter:
Basic863 875 890 898 906 
Diluted868 880 894 900 910 
Actual shares outstanding—end of quarter854 868 885 894 899 
Earnings per common share: (1)
Basic$0.63 $0.59 $0.62 $0.59 $0.51 
Diluted$0.62 $0.58 $0.61 $0.59 $0.51 
Taxable-equivalent net interest income$1,261 $1,294 $1,269 $1,271 $1,206 
________
(1) Quarterly amounts may not add to year-to-date amounts due to rounding.




8
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to First Quarter 2026 Earnings Release
Consolidated Average Daily Balances and Yield/Rate Analysis
 Quarter Ended
 3/31/202612/31/2025
($ amounts in millions; yields on taxable-equivalent basis)Average BalanceIncome/ Expense
Yield/ Rate (1)
Average BalanceIncome/ Expense
Yield/ Rate (1)
Assets
Earning assets:
Debt securities (2)(3)
$33,530 $298 3.56 %$33,464 $300 3.58 %
Loans held for sale579 8 5.48 642 9 5.73 
Loans, net of unearned income:
Commercial and industrial (4)
49,572 665 5.37 48,769 688 5.53 
Commercial real estate mortgage—owner-occupied (5)
4,887 63 5.14 4,866 65 5.16 
Commercial real estate construction—owner-occupied259 4 5.60 260 3 5.72 
Commercial investor real estate mortgage7,381 106 5.72 7,210 116 6.29 
Commercial investor real estate construction1,946 32 6.51 1,906 33 6.85 
Residential first mortgage19,674 200 4.07 19,822 202 4.07 
Home equity5,514 89 6.50 5,546 91 6.57 
Consumer credit card1,473 51 14.00 1,458 51 14.06 
Other consumer5,717 116 8.26 5,814 122 8.26 
Total loans, net of unearned income96,423 1,326 5.51 95,651 1,371 5.65 
Interest-bearing deposits in other banks7,415 69 3.79 7,596 79 4.07 
Other earning assets1,481 14 3.72 1,456 22 6.21 
Total earning assets 139,428 1,715 4.93 138,809 1,781 5.07 
Unrealized gains/(losses) on debt securities available for sale, net (2)
(580)(641)
Allowance for loan losses(1,552)(1,545)
Cash and due from banks3,275 3,055 
Other non-earning assets18,716 18,429 
$159,287 $158,107 
Liabilities and Shareholders’ Equity
Interest-bearing liabilities:
Savings $12,075 4 0.13 $11,876 3 0.10 
Interest-bearing checking25,245 71 1.15 24,528 78 1.26 
Money market 40,366 207 2.08 39,591 220 2.20 
Time deposits13,388 103 3.12 14,396 120 3.33 
Total interest-bearing deposits (6)
91,074 385 1.72 90,391 421 1.85 
Federal funds purchased and securities sold under agreements to repurchase655 7 3.66 52 2 3.91 
Other short-term borrowings1,077 10 3.80 211 2 4.25 
Long-term borrowings3,750 52 5.56 4,524 62 5.40 
Total interest-bearing liabilities96,556 454 1.91 95,178 487 2.03 
Non-interest-bearing deposits (6)
39,160 — — 39,459 — — 
Total funding sources135,716 454 1.35 134,637 487 1.43 
Net interest spread (2)
3.02 3.04 
Other liabilities4,435 4,438 
Shareholders’ equity19,077 18,986 
Noncontrolling interest59 46 
$159,287 $158,107 
Net interest income/margin FTE basis (2)
$1,261 3.67 %$1,294 3.70 %
_______
(1) Amounts have been calculated using whole dollar values and the prevailing interest accrual methodology.
(2) Debt securities are included on an amortized cost basis with yield and net interest margin calculated accordingly.
(3) Interest income includes hedging income of $1 million for the quarter ended March 31, 2026 and $5 million for the quarter ended December 31, 2025.
(4) Interest income includes hedging expense of $32 million for the quarter ended March 31, 2026 and $44 million for the quarter ended December 31, 2025.
(5) Interest income includes hedging expense of $4 million for the quarter ended March 31, 2026 and $6 million for the quarter ended December 31, 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 1.20% for the quarter ended March 31, 2026 and 1.29% for the quarter ended December 31, 2025.


9
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to First Quarter 2026 Earnings Release
Consolidated Average Daily Balances and Yield/Rate Analysis (continued)
 Quarter Ended
 9/30/20256/30/20253/31/2025
($ amounts in millions; yields on taxable-equivalent basis)Average BalanceIncome/ Expense
Yield/ Rate (1)
Average BalanceIncome/ Expense
Yield/ Rate (1)
Average BalanceIncome/ Expense
Yield/ Rate (1)
Assets
Earning assets:
Federal funds sold and securities purchased under agreements to resell$— $— — %$1 $— 4.44 %$1 $— 4.44 %
Debt securities (2)(3)
33,223 293 3.53 32,882 286 3.48 32,280 266 3.30 
Loans held for sale662 9 5.52 500 9 7.14 441 8 7.27 
Loans, net of unearned income:
Commercial and industrial (4)
49,588 714 5.65 49,033 708 5.72 49,209 687 5.58 
Commercial real estate mortgage—owner-occupied (5)
4,860 62 5.04 4,900 63 5.02 4,863 59 4.87 
Commercial real estate construction—owner-occupied274 4 5.96 270 4 5.75 317 5 5.78 
Commercial investor real estate mortgage7,087 114 6.30 6,805 113 6.55 6,484 100 6.17 
Commercial investor real estate construction2,051 37 7.12 2,204 40 7.10 2,267 40 7.06 
Residential first mortgage19,944 202 4.06 19,992 200 3.99 20,037 198 3.96 
Home equity5,538 91 6.54 5,525 90 6.51 5,509 91 6.63 
Consumer credit card1,420 52 14.46 1,397 50 14.24 1,394 50 14.55 
Other consumer5,885 122 8.14 5,951 121 8.33 6,042 124 8.27 
Total loans, net of unearned income 96,647 1,398 5.70 96,077 1,389 5.75 96,122 1,354 5.64 
Interest-bearing deposits in other banks8,316 94 4.51 8,737 97 4.49 8,537 94 4.45 
Other earning assets1,519 14 3.63 1,466 15 3.96 1,483 15 4.19 
Total earning assets
140,367 1,808 5.09 139,663 1,796 5.12 138,864 1,737 5.01 
Unrealized gains/(losses) on debt securities available for sale, net (2)
(1,001)(1,348)(1,716)
Allowance for loan losses(1,616)(1,643)(1,625)
Cash and due from banks2,892 2,893 2,957 
Other non-earning assets18,447 18,409 18,396 
$159,089 $157,974 $156,876 
Liabilities and Shareholders’ Equity
Interest-bearing liabilities:
Savings $12,046 4 0.13 $12,300 4 0.13 $12,177 4 0.13 
Interest-bearing checking24,274 86 1.41 24,865 88 1.41 25,033 89 1.44 
Money market 38,593 234 2.40 37,389 220 2.37 35,625 204 2.32 
Time deposits15,124 132 3.45 15,334 135 3.52 15,799 145 3.73 
Total interest-bearing deposits (6)
90,037 456 2.01 89,888 447 1.99 88,634 442 2.02 
Federal funds purchased and securities sold under agreements to repurchase48 — 4.36 80 1 4.40 39 — 4.39 
Other short-term borrowings696 8 4.49 — — — 339 4 4.57 
Long-term borrowings5,527 75 5.39 5,660 77 5.36 6,001 85 5.65 
Total interest-bearing liabilities 96,308 539 2.22 95,628 525 2.20 95,013 531 2.27 
Non-interest-bearing deposits (6)
39,538 — — 39,556 — — 39,053 — — 
Total funding sources135,846 539 1.57 135,184 525 1.55 134,066 531 1.60 
Net interest spread (2)
2.87 2.92 2.75 
Other liabilities4,515 4,403 4,652 
Shareholders’ equity18,688 18,350 18,127 
Noncontrolling interest40 37 31 
$159,089 $157,974 $156,876 
Net interest income/margin FTE basis (2)
$1,269 3.59 %$1,271 3.65 %$1,206 3.52 %
_______
(1) Amounts have been calculated using whole dollar values and the prevailing interest accrual methodology.
(2) Debt securities are included on an amortized cost basis with yield and net interest margin calculated accordingly.
(3)    Interest income includes hedge income of $7 million for the quarter ended September 30, 2025, $6 million for the quarter ended June 30, 2025, and $2 million for the quarter ended March 31, 2025.
(4) Interest income includes hedging expense of $58 million for the quarter ended September 30, 2025, $53 million for the quarter ended June 30, 2025 and $60 million for the quarter ended March 31, 2025.
(5) Interest income includes hedging expense of $7 million for the quarter ended September 30, 2025, $7 million for the quarter ended June 30, 2025 and $7 million for the quarter ended March 31, 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 1.39% for the quarter ended September 30, 2025, 1.39% for the quarter ended June 30, 2025 and 1.40% for the quarter ended March 31, 2025.



10
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to First Quarter 2026 Earnings Release
Pre-Tax Pre-Provision Income ("PPI") (non-GAAP) and Adjusted PPI (non-GAAP)
The Pre-Tax Pre-Provision Income tables below present computations of pre-tax pre-provision income excluding certain adjustments (non-GAAP). Regions believes that the presentation of PPI and the exclusion of certain items from PPI provides a meaningful basis for period-to-period comparisons, which management believes will assist investors in analyzing the operating results of the Company and predicting future performance. These non-GAAP financial measures are also used by management to assess the performance of Regions’ business. It is possible that the activities related to the adjustments may recur; however, management does not consider the activities related to the adjustments to be indications of ongoing operations.
 Quarter Ended
($ amounts in millions)3/31/202612/31/20259/30/20256/30/20253/31/20251Q26 vs. 4Q251Q26 vs. 1Q25
Net income available to common shareholders (GAAP)$539 $514 $548 $534 $465 $25 4.9 %$74 15.9 %
Preferred dividends and other (GAAP) (1)
20 20 21 29 25 — — %(5)(20.0)%
Income tax expense (GAAP)155 174 139 143 131 (19)(10.9)%24 18.3 %
Income before income taxes (GAAP)714 708 708 706 621 6 0.8 %93 15.0 %
Provision for credit losses (GAAP)91 115 105 126 124 (24)(20.9)%(33)(26.6)%
Pre-tax pre-provision income (non-GAAP)805 823 813 832 745 (18)(2.2)%60 8.1 %
Other adjustments:
Securities (gains) losses, net— — 25 — 25 — NM(25)(100.0)%
FDIC insurance special assessment— (14)(3)(1)1 14 100.0 %(1)(100.0)%
Salaries and employee benefits—severance charges— — — 1 1 — NM(1)(100.0)%
Branch consolidation, property and equipment charges— — (5)— — — NM— NM
Professional, legal and regulatory expenses— — — — 2 — NM(2)(100.0)%
Total other adjustments— (14)17 — 29 14 100.0 %(29)(100.0)%
Adjusted pre-tax pre-provision income (non-GAAP)$805 $809 $830 $832 $774 $(4)(0.5)%$31 4.0 %
_____
NM - Not meaningful
(1) The second quarter 2025 amount includes $4 million of deferred issuance costs recognized upon the redemption of Series D preferred stock.






11
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to First Quarter 2026 Earnings Release
Non-Interest Income
 Quarter Ended
($ amounts in millions)3/31/202612/31/20259/30/20256/30/20253/31/20251Q26 vs. 4Q251Q26 vs. 1Q25
Service charges on deposit accounts$163 $163 $160 $151 $161 $— — %$2 1.2 %
Card and ATM fees117 123 122 125 117 (6)(4.9)%— — %
Wealth management income141 143 139 133 129 (2)(1.4)%12 9.3 %
Capital markets income (1)
84 80 104 83 80 4 5.0 %4 5.0 %
Mortgage income32 32 38 48 40 — — %(8)(20.0)%
Commercial credit fee income 30 30 28 29 27 — — %3 11.1 %
Bank-owned life insurance30 23 25 24 23 7 30.4 %7 30.4 %
Market value adjustments on employee benefit assets (2)
(5)(5)12 16 (3)— NM(2)66.7 %
Securities gains (losses), net(3)— (27)(1)(25)(3)NM22 88.0 %
Other miscellaneous income36 51 58 38 41 (15)(29.4)%(5)(12.2)%
Total non-interest income$625 $640 $659 $646 $590 $(15)(2.3)%$35 5.9 %
Service Charges on Deposit Accounts by Segment
Quarter Ended
($ amounts in millions)3/31/202612/31/20259/30/20256/30/20253/31/20251Q26 vs. 4Q251Q26 vs. 1Q25
Consumer Bank Segment (3)
$96 $101 $99 $90 $96 $(5)(5.0)%$— — %
Corporate Bank Segment (4)
66 61 61 60 64 5 8.2 %2 3.1 %
Wealth Management Segment1 1 — 1 1 — — %— — %
Total service charges on deposit accounts$163 $163 $160 $151 $161 $— — %$2 1.2 %
Wealth Management Income
Quarter Ended
($ amounts in millions)3/31/202612/31/20259/30/20256/30/20253/31/20251Q26 vs. 4Q251Q26 vs. 1Q25
Investment management and trust fee income$92 $95 $91 $90 $86 $(3)(3.2)%$6 7.0 %
Investment services fee income49 48 48 43 43 1 2.1 %6 14.0 %
Total wealth management income (5)
$141 $143 $139 $133 $129 $(2)(1.4)%$12 9.3 %
Capital Markets Income
Quarter Ended
($ amounts in millions)3/31/202612/31/20259/30/20256/30/20253/31/20251Q26 vs. 4Q251Q26 vs. 1Q25
Capital markets income$84 $80 $104 $83 $80 $4 5.0 %$4 5.0 %
Less: Valuation adjustments on customer derivatives (6)
1 — — (2)(1)1 NM2 200.0 %
Capital markets income excluding valuation adjustments $83 $80 $104 $85 $81 $3 3.8 %$2 2.5 %
Mortgage Income
Quarter Ended
($ amounts in millions)3/31/202612/31/20259/30/20256/30/20253/31/20251Q26 vs. 4Q251Q26 vs. 1Q25
Production and sales$18 $17 $17 $17 $13 $1 5.9 %$5 38.5 %
Loan servicing46 47 47 47 47 (1)(2.1)%(1)(2.1)%
MSR and related hedge impact:
MSRs fair value increase (decrease) due to change in valuation inputs or assumptions1 13 1 16 (10)(12)(92.3)%11 (110.0)%
MSRs hedge gain (loss)(3)(16)1 (4)18 13 81.3 %(21)(116.7)%
MSRs change due to payment decay(30)(29)(28)(28)(28)(1)(3.4)%(2)(7.1)%
MSR and related hedge impact(32)(32)(26)(16)(20)— — %(12)(60.0)%
Total mortgage income$32 $32 $38 $48 $40 $— — %$(8)(20.0)%
Mortgage production - portfolio$451 $463 $465 $602 $355 $(12)(2.6)%$96 27.0 %
Mortgage production - agency/secondary market516 494 504 516 371 22 4.5 %145 39.1 %
Total mortgage production$967 $957 $969 $1,118 $726 $10 1.0 %$241 33.2 %
Mortgage production - purchased61.2 %71.7 %81.4 %82.5 %82.9 %
Mortgage production - refinanced38.8 %28.3 %18.6 %17.5 %17.1 %
_________
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.

12
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to First Quarter 2026 Earnings Release
Non-Interest Expense
Quarter Ended
($ amounts in millions)3/31/202612/31/20259/30/20256/30/20253/31/20251Q26 vs. 4Q251Q26 vs. 1Q25
Salaries and employee benefits$659 $662 $671 $658 $625 $(3)(0.5)%$34 5.4 %
Equipment and software expense108 112 106 104 99 (4)(3.6)%9 9.1 %
Net occupancy expense72 74 72 72 70 (2)(2.7)%2 2.9 %
Outside services42 45 42 39 40 (3)(6.7)%2 5.0 %
Marketing29 29 28 26 30 — — %(1)(3.3)%
Professional, legal and regulatory expenses 28 30 30 28 23 (2)(6.7)%5 21.7 %
Credit/checkcard expenses14 18 15 16 15 (4)(22.2)%(1)(6.7)%
FDIC insurance assessments 19 3 15 20 20 16 NM(1)(5.0)%
Visa class B shares expense1 8 8 4 7 (7)(87.5)%(6)(85.7)%
Operational losses 10 9 18 13 13 1 11.1 %(3)(23.1)%
Branch consolidation, property and equipment charges — — (5)— — — NM— NM
Other miscellaneous expenses86 108 103 93 97 (22)(20.4)%(11)(11.3)%
Total non-interest expense$1,068 $1,098 $1,103 $1,073 $1,039 $(30)(2.7)%$29 2.8 %
Salaries and Benefits Expense
Quarter Ended
($ amounts in millions)3/31/202612/31/20259/30/20256/30/20253/31/20251Q26 vs. 4Q251Q26 vs. 1Q25
Salaries and employee benefits$659 $662 $671 $658 $625 $(3)(0.5)%$34 5.4 %
Less: Market value adjustments on supplemental 401(k) liabilities(4)6 13 16 (1)(10)(166.7)%(3)(300.0)%
Salaries and employee benefits less market value adjustments on employee benefits liabilities$663 $656 $658 $642 $626 $7 1.1 %$37 5.9 %



13
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to First Quarter 2026 Earnings Release
Reconciliation of GAAP Financial Measures to non-GAAP Financial Measures
Adjusted Efficiency Ratios, Adjusted Fee Income Ratios, Adjusted Non-Interest Income/Expense, Adjusted Operating Leverage Ratios, and Adjusted Total Revenue
The table below presents computations of the efficiency ratio, which is a measure of productivity, generally calculated as non-interest expense divided by total revenue; and the fee income ratio, generally calculated as non-interest income divided by total revenue. Management uses these ratios to monitor performance and believes these measures provide meaningful information to investors. Non-interest expense (GAAP) is presented excluding certain adjustments to arrive at adjusted non-interest expense (non-GAAP), which is the numerator for the adjusted efficiency ratio. Non-interest income (GAAP) is presented excluding certain adjustments to arrive at adjusted non-interest income (non-GAAP), which is the numerator for the adjusted fee income ratio. Net interest income and non-interest income are added together to arrive at total revenue. Adjustments are made to arrive at adjusted total revenue (non-GAAP). Net interest income on a taxable-equivalent basis and non-interest income are added together to arrive at total revenue on a taxable-equivalent basis (GAAP). Adjustments are made to arrive at adjusted total revenue on a taxable-equivalent basis (non-GAAP), which is the denominator for the adjusted fee income and adjusted efficiency ratios. Also presented is a computation of the adjusted operating leverage ratio (non-GAAP), which is the period-to-period percentage change in adjusted total revenue on a taxable-equivalent basis (non-GAAP) less the percentage change in adjusted non-interest expense (non-GAAP).
 Quarter Ended
($ amounts in millions) 3/31/202612/31/20259/30/20256/30/20253/31/20251Q26 vs. 4Q251Q26 vs. 1Q25
Non-interest expense (GAAP)A$1,068 $1,098 $1,103 $1,073 $1,039 $(30)(2.7)%$29 2.8 %
Adjustments:
FDIC insurance special assessment — 14 3 1 (1)(14)(100.0)%1 100.0 %
Branch consolidation, property and equipment charges — — 5 — — — NM— NM
Salaries and employee benefits—severance charges— — — (1)(1)— NM1 100.0 %
Professional, legal and regulatory expenses— — — — (2)— NM2 100.0 %
Adjusted non-interest expense (non-GAAP)B$1,068 $1,112 $1,111 $1,073 $1,035 $(44)(4.0)%$33 3.2 %
Net interest income (GAAP)C$1,248 $1,281 $1,257 $1,259 $1,194 $(33)(2.6)%$54 4.5 %
Taxable-equivalent adjustment13 13 12 12 12 — — %1 8.3 %
Net interest income, taxable-equivalent basis (GAAP)D$1,261 $1,294 $1,269 $1,271 $1,206 $(33)(2.6)%$55 4.6 %
Non-interest income (GAAP)E$625 $640 $659 $646 $590 $(15)(2.3)%$35 5.9 %
Adjustments:
Securities (gains) losses, net— — 25 — 25 — NM(25)(100.0)%
Adjusted non-interest income (non-GAAP)F$625 $640 $684 $646 $615 $(15)(2.3)%$10 1.6 %
Total revenue (GAAP)C+E=G$1,873 $1,921 $1,916 $1,905 $1,784 $(48)(2.5)%$89 5.0 %
Adjusted total revenue (non-GAAP)C+F=H$1,873 $1,921 $1,941 $1,905 $1,809 $(48)(2.5)%$64 3.5 %
Total revenue, taxable-equivalent basis (GAAP)D+E=I$1,886 $1,934 $1,928 $1,917 $1,796 $(48)(2.5)%$90 5.0 %
Adjusted total revenue, taxable-equivalent basis (non-GAAP)D+F=J$1,886 $1,934 $1,953 $1,917 $1,821 $(48)(2.5)%$65 3.6 %
Operating leverage ratio (GAAP) (1)
I-A0.3 %2.2 %
Adjusted operating leverage ratio (non-GAAP) (1)
J-B1.5 %0.3 %
Efficiency ratio (GAAP) (1)
A/I56.6 %56.8 %57.2 %56.0 %57.9 %
Adjusted efficiency ratio (non-GAAP) (1)
B/J56.6 %57.5 %56.9 %56.0 %56.8 %
Fee income ratio (GAAP) (1)
E/I33.1 %33.1 %34.2 %33.7 %32.9 %
Adjusted fee income ratio (non-GAAP) (1)
F/J33.1 %33.1 %35.0 %33.7 %33.8 %
________
NM - Not Meaningful
(1) Amounts have been calculated using whole dollar values.






14
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to First Quarter 2026 Earnings Release
Reconciliation of GAAP Financial Measures to non-GAAP Financial Measures
Adjusted Net Income Available to Common Shareholders, Adjusted Diluted EPS, and Return Ratios
The table below provides a reconciliation of net income available to common shareholders (GAAP) to adjusted net income available to common shareholders (non-GAAP), a computation of adjusted diluted EPS (non-GAAP), and calculations of “average tangible common shareholders’ equity” (non-GAAP) and related ratios. Net income available to common shareholders (GAAP) is presented excluding certain adjustments, net of tax, to arrive at adjusted net income available to common shareholders (non-GAAP), which is the numerator for adjusted diluted EPS (non-GAAP). Management uses these ratios to monitor performance and believes these measures provide meaningful information to investors. Average tangible common shareholders’ equity ratios have become a focus of some investors and management believes they may assist investors in analyzing the capital position of the Company absent the effects of intangible assets and preferred stock. Analysts and banking regulators have assessed Regions’ capital adequacy using the average tangible common shareholders’ equity measure. Because average tangible common shareholders’ equity is not formally defined by GAAP or prescribed in any amount by federal banking regulations it is currently considered to be a non-GAAP financial measure and other entities may calculate it differently than Regions’ disclosed calculations. In calculating return on average tangible common shareholders' equity ratios, Regions makes adjustments to shareholders' equity including average intangible assets and related deferred taxes, and average preferred stock. Regions also presents an adjusted tangible common shareholder ratio using adjusted net income (non-GAAP) as the numerator. Management uses these metrics to monitor performance and believes these measures provide meaningful information to investors.
Quarter Ended
($ amounts in millions)3/31/202612/31/20259/30/20256/30/20253/31/20251Q26 vs. 4Q251Q26 vs. 1Q25
Net income available to common shareholders (GAAP)A$539 $514 $548 $534 $465 $25 4.9 %$74 15.9 %
Adjustments:
Securities (gains) losses, net— — 25 — 25 — NM(25)(100.0)%
FDIC insurance special assessment— (14)(3)(1)1 14 100.0 %(1)(100.0)%
Salaries and employee benefits—severance charges— — — 1 1 — NM(1)(100.0)%
Branch consolidation, property and equipment charges— — (5)— — — NM— NM
Professional, legal and regulatory expenses— — — — 2 — NM(2)(100.0)%
Preferred stock redemption expense (1)
— — — 4 — — NM— NM
Total adjustments— (14)17 4 29 $14 100.0 %$(29)(100.0)%
Tax impact of adjusted items (2)
— 4 (4)— (7)(4)(100.0)%7 100.0 %
Adjusted net income available to common shareholders (non-GAAP)B$539 $504 $561 $538 $487 $35 6.9 %$52 10.7 %
Weighted-average diluted sharesC868 880 894 900 910 
Diluted EPS (GAAP) (3)
A/C$0.62 $0.58 $0.61 $0.59 $0.51 $0.04 6.9 %$0.11 21.6 %
Adjusted diluted EPS (non-GAAP) (3)
B/C$0.62 $0.57 $0.63 $0.60 $0.54 $0.05 8.8 %$0.08 14.8 %
Average shareholders' equity (GAAP)19,077 18,986 18,688 18,350 18,127 91 0.5 %950 5.2 %
Less: Average preferred stock (GAAP)1,369 1,369 1,369 1,513 1,715 — — %(346)(20.2)%
Average common shareholders' equity (GAAP)D17,708 17,617 17,319 16,837 16,412 91 0.5 %1,296 7.9 %
Less:
  Average intangible assets (GAAP)5,869 5,876 5,883 5,891 5,899 (7)(0.1)%(30)(0.5)%
  Average deferred tax liability related to intangibles (GAAP)(138)(135)(131)(127)(126)(3)(2.2)%(12)(9.5)%
Average tangible common shareholders' equity (non-GAAP)E$11,977 $11,876 $11,567 $11,073 $10,639 101 0.9 %1,338 12.6 %
Return on average common shareholders' equity (GAAP) (3)*
A/D12.35 %11.58 %12.56 %12.72 %11.49 %
Return on average tangible common shareholders' equity (non-GAAP) (3)*
A/E18.26 %17.17 %18.81 %19.34 %17.72 %
Adjusted return on average tangible common shareholders' equity (non-GAAP) (3)*
B/E18.26 %16.84 %19.24 %19.48 %18.58 %
_______
*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.

15
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to First Quarter 2026 Earnings Release
Reconciliation of GAAP Financial Measures to non-GAAP Financial Measures
Tangible Common Ratios
The following table provides a reconciliation of shareholders’ equity (GAAP) to tangible common shareholders’ equity (non-GAAP) and the calculations of the end of period “tangible common shareholders’ equity to tangible assets” and "tangible common book value per share" ratios (non-GAAP). Since analysts and banking regulators may assess Regions’ capital adequacy using tangible common shareholders' equity, management believes that it is useful to provide investors the ability to assess Regions’ capital adequacy on this same basis.
As of and for Quarter Ended
($ amounts in millions, except per share data)3/31/202612/31/20259/30/20256/30/20253/31/2025
TANGIBLE COMMON RATIOS
Shareholders’ equity (GAAP)A$18,779 $19,043 $19,049 $18,666 $18,530 
Less: Preferred stock (GAAP)1,369 1,369 1,369 1,369 1,715 
Common shareholders' equity (GAAP)B17,410 17,674 17,680 17,297 16,815 
Less:
Intangible assets (GAAP)5,866 5,873 5,879 5,886 5,894 
Deferred tax liability related to intangibles (GAAP)(141)(138)(133)(130)(126)
Tangible common shareholders’ equity (non-GAAP)C$11,685 $11,939 $11,934 $11,541 $11,047 
Total assets (GAAP)D$160,741 $158,814 $159,940 $159,206 $159,846 
Less:
Intangible assets (GAAP)5,866 5,873 5,879 5,886 5,894 
Deferred tax liability related to intangibles (GAAP)(141)(138)(133)(130)(126)
Tangible assets (non-GAAP)E$155,016 $153,079 $154,194 $153,450 $154,078 
Shares outstanding—end of quarterF854 868 885 894 899 
Total equity to total assets (GAAP) (1)
A/D11.68 %11.99 %11.91 %11.72 %11.59 %
Tangible common shareholders’ equity to tangible assets (non-GAAP) (1)
C/E7.54 %7.80 %7.74 %7.52 %7.17 %
Common book value per share (GAAP) (1)
B/F$20.39 $20.36 $19.98 $19.35 $18.70 
Tangible common book value per share (non-GAAP) (1)
C/F$13.69 $13.75 $13.49 $12.91 $12.29 
____
(1)Amounts have been calculated using whole dollar values.


Common equity Tier 1 (CET1) Ratios

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

Quarter-Ended
($ amounts in millions)3/31/202612/31/20259/30/20256/30/20253/31/2025
CET1 RATIOS
Common equity Tier 1 (1)
A$13,419$13,490 $13,620 $13,533 $13,355 
Adjustments:
AOCI loss on securities (2)
(1,172)(1,076)(1,241)(1,485)(1,645)
AOCI loss on defined benefit pension plans and other post employment benefits(387)(391)(396)(401)(406)
Common equity Tier 1 (inclusive of AOCI) (non-GAAP)B$11,860 $12,023 $11,983 $11,647 $11,304 
Total risk-weighted assets (1)
C$125,860$123,882 $125,386 $125,755 $123,755 
Common equity Tier 1 ratio (1)(3)
A/C10.7 %10.9 %10.9 %10.8 %10.8 %
Common equity Tier 1 ratio (inclusive of AOCI) (non-GAAP) (1)(3)
B/C9.4 %9.7 %9.6 %9.3 %9.1 %
____
(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.

16
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to First Quarter 2026 Earnings Release
Asset Quality
As of and for Quarter Ended
($ amounts in millions)3/31/202612/31/20259/30/20256/30/20253/31/2025
Beginning allowance for loan losses (ALL)$1,556 $1,581 $1,612 $1,613 $1,613 
Loans charged-off:
Commercial and industrial88 92 57 70 57 
Commercial real estate mortgage—owner-occupied— 1 1 — 2 
Total commercial88 93 58 70 59 
Commercial investor real estate mortgage— 4 34 2 22 
Total investor real estate— 4 34 2 22 
Residential first mortgage— — 1 1 — 
Home equity—lines of credit1 — — 1 — 
Home equity—closed-end— 1 — — — 
Consumer credit card18 17 16 17 17 
Other consumer44 52 51 42 47 
Total consumer63 70 68 61 64 
Total151 167 160 133 145 
Recoveries of loans previously charged-off:
Commercial and industrial9 11 10 10 11 
Commercial real estate mortgage—owner-occupied— — 1 — — 
Commercial real estate construction—owner-occupied— — — — 1 
Total commercial9 11 11 10 12 
Commercial investor real estate mortgage— 1 2 — — 
Total investor real estate— 1 2 — — 
Residential first mortgage— 1 — 1 — 
Home equity—lines of credit1 1 1 2 — 
Home equity—closed-end— 1 — — — 
Consumer credit card3 2 2 2 3 
Other consumer8 8 9 5 7 
Total consumer12 13 12 10 10 
Total21 25 25 20 22 
Net charge-offs (recoveries):
Commercial and industrial79 81 47 60 46 
Commercial real estate mortgage—owner-occupied— 1 — — 2 
Commercial real estate construction—owner-occupied— — — — (1)
Total commercial79 82 47 60 47 
Commercial investor real estate mortgage— 3 32 2 22 
Total investor real estate— 3 32 2 22 
Residential first mortgage— (1)1 — — 
Home equity—lines of credit— (1)(1)(1)— 
Consumer credit card15 15 14 15 14 
Other consumer36 44 42 37 40 
Total consumer51 57 56 51 54 
Total130 142 135 113 123 
Provision for loan losses101 117 104 112 123 
Ending allowance for loan losses (ALL)1,527 1,556 1,581 1,612 1,613 
Beginning reserve for unfunded credit commitments130 132 131 117 116 
Provision for (benefit from) unfunded credit losses(10)(2)1 14 1 
Ending reserve for unfunded commitments120 130 132 131 117 
Allowance for credit losses (ACL) at period end$1,647 $1,686 $1,713 $1,743 $1,730 
17
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to First Quarter 2026 Earnings Release
Asset Quality (continued)
As of and for Quarter Ended
($ amounts in millions)3/31/202612/31/20259/30/20256/30/20253/31/2025
Net loan charge-offs as a % of average loans, annualized (1):
Commercial and industrial0.65 %0.66 %0.37 %0.49 %0.38 %
Commercial real estate mortgage—owner-occupied(0.03)%0.02 %0.04 %— %0.14 %
Commercial real estate construction—owner-occupied(0.05)%(0.07)%(0.01)%(0.01)%(0.84)%
Total commercial0.58 %0.60 %0.34 %0.45 %0.35 %
Commercial investor real estate mortgage0.02 %0.15 %1.82 %0.10 %1.38 %
Total investor real estate0.02 %0.12 %1.41 %0.07 %1.02 %
Residential first mortgage— %— %0.01 %— %— %
Home equity—lines of credit(0.01)%(0.10)%(0.12)%(0.05)%(0.04)%
Home equity—closed-end(0.02)%— %(0.01)%(0.01)%(0.01)%
Consumer credit card4.17 %4.08 %3.94 %4.24 %4.18 %
Other consumer2.51 %2.97 %2.83 %2.50 %2.68 %
Total consumer0.63 %0.70 %0.67 %0.63 %0.66 %
Total0.54 %0.59 %0.55 %0.47 %0.52 %
Non-performing loans, excluding loans held for sale$692 $698 $758 $776 $843 
Non-performing loans held for sale1 — 12 16 26 
Non-performing loans, including loans held for sale693 698 770 792 869 
Foreclosed properties20 17 18 16 15 
Non-performing assets (NPAs)$713 $715 $788 $808 $884 
Loans past due > 90 days (2)
$170 $180 $154 $171 $179 
Criticized loans—business (3)
$3,384 $3,342 $3,682 $4,608 $4,918 
Credit Ratios (1):
ACL/Loans, net1.68 %1.76 %1.78 %1.80 %1.81 %
ALL/Loans, net1.56 %1.63 %1.64 %1.67 %1.69 %
Business criticized loans to total business loans5.15 %5.31 %5.81 %7.22 %7.82 %
Allowance for credit losses to non-performing loans, excluding loans held for sale238 %242 %226 %225 %205 %
Allowance for loan losses to non-performing loans, excluding loans held for sale221 %223 %208 %208 %191 %
Non-performing loans, excluding loans held for sale/Loans, net0.71 %0.73 %0.79 %0.80 %0.88 %
NPAs (ex. 90+ past due)/Loans, foreclosed properties, and non-performing loans held for sale0.73 %0.75 %0.82 %0.84 %0.92 %
NPAs (inc. 90+ past due)/Loans, foreclosed properties, and non-performing loans held for sale (2)
0.90 %0.94 %0.98 %1.01 %1.11 %
(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 19 for amounts related to these loans.
(3)Business represents the combined total of commercial and investor real estate loans.




18
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to First Quarter 2026 Earnings Release
Non-Performing Loans (excludes loans held for sale)
 As of
($ amounts in millions, %'s calculated using whole dollar values)3/31/202612/31/20259/30/20256/30/20253/31/2025
Commercial and industrial$471 0.93 %$474 0.97 %$524 1.06 %$391 0.79 %$418 0.85 %
Commercial real estate mortgage—owner-occupied53 1.06 %45 0.92 %41 0.85 %45 0.92 %40 0.83 %
Commercial real estate construction—owner-occupied2 0.85 %2 0.85 %1 0.43 %1 0.46 %1 0.41 %
Total commercial526 0.94 %521 0.97 %566 1.04 %437 0.80 %459 0.85 %
Commercial investor real estate mortgage103 1.33 %121 1.69 %137 1.92 %283 4.08 %327 5.14 %
Total investor real estate103 1.06 %121 1.33 %137 1.51 %283 3.12 %327 3.71 %
Residential first mortgage30 0.16 %25 0.12 %24 0.12 %24 0.12 %25 0.12 %
Home equity—lines of credit25 0.77 %24 0.74 %24 0.73 %26 0.79 %26 0.82 %
Home equity—closed-end8 0.34 %7 0.32 %7 0.31 %6 0.26 %6 0.27 %
Total consumer63 0.20 %56 0.17 %55 0.17 %56 0.17 %57 0.17 %
Total non-performing loans$692 0.71 %$698 0.73 %$758 0.79 %$776 0.80 %$843 0.88 %

Early and Late Stage Delinquencies
Accruing 30-89 Days Past Due Loans
As of
($ amounts in millions, %'s calculated using whole dollar values)3/31/202612/31/20259/30/20256/30/20253/31/2025
Commercial and industrial $50 0.10 %$55 0.11 %$63 0.13 %$67 0.14 %$68 0.14 %
Commercial real estate mortgage—owner-occupied4 0.08 %6 0.11 %10 0.21 %8 0.17 %3 0.07 %
Total commercial54 0.10 %61 0.11 %73 0.13 %75 0.14 %71 0.13 %
Commercial investor real estate mortgage1 0.01 %— — %28 0.40 %— — %20 0.31 %
Commercial investor real estate construction— — %— — %— — %1 0.05 %— — %
Total investor real estate1 0.01 %— — %28 0.31 %1 0.01 %20 0.23 %
Residential first mortgage—non-guaranteed (1)
127 0.66 %144 0.74 %132 0.68 %114 0.58 %119 0.61 %
Home equity—lines of credit22 0.69 %25 0.79 %28 0.89 %25 0.77 %23 0.72 %
Home equity—closed-end 13 0.57 %15 0.62 %14 0.57 %11 0.48 %13 0.56 %
Consumer credit card21 1.39 %22 1.48 %20 1.40 %20 1.46 %19 1.37 %
Other consumer66 1.19 %75 1.31 %68 1.18 %66 1.11 %68 1.15 %
Total consumer (1)
249 0.79 %281 0.88 %262 0.81 %236 0.73 %242 0.75 %
Total accruing 30-89 days past due loans (1)
$304 0.31 %$342 0.36 %$363 0.38 %$312 0.32 %$333 0.35 %
Accruing 90+ Days Past Due LoansAs of
($ amounts in millions, %'s calculated using whole dollar values)3/31/202612/31/20259/30/20256/30/20253/31/2025
Commercial and industrial$5 0.01 %$6 0.01 %$4 0.01 %$19 0.04 %$22 0.05 %
Commercial real estate mortgage—owner-occupied1 0.01 %— 0.01 %2 0.05 %1 0.02 %1 0.01 %
Total commercial6 0.01 %6 0.01 %6 0.01 %20 0.04 %23 0.04 %
Residential first mortgage—non-guaranteed (2)
100 0.52 %105 0.55 %84 0.43 %89 0.46 %93 0.47 %
Home equity—lines of credit14 0.42 %15 0.45 %14 0.43 %12 0.38 %13 0.42 %
Home equity—closed-end 8 0.35 %8 0.37 %7 0.30 %7 0.30 %6 0.26 %
Consumer credit card22 1.52 %22 1.41 %20 1.42 %20 1.39 %21 1.49 %
Other consumer20 0.35 %24 0.40 %23 0.39 %23 0.39 %23 0.38 %
Total consumer (2)
164 0.52 %174 0.54 %148 0.46 %151 0.47 %156 0.48 %
Total accruing 90+ days past due loans (2)
$170 0.17 %$180 0.19 %$154 0.16 %$171 0.18 %$179 0.19 %
Total delinquencies (1) (2)
$474 0.49 %$522 0.55 %$517 0.54 %$483 0.50 %$512 0.54 %
(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 $62 million at 3/31/2026, $66 million at 12/31/2025, $62 million at 9/30/2025, $57 million at 6/30/2025, and $52 million at 3/31/2025.
(2)Excludes loans that are 100% guaranteed by FHA and all guaranteed loans sold to Ginnie Mae where Regions has the right but not the obligation to repurchase; however, includes Ginnie Mae repurchased loans with partial guarantees. Total 90 days or more past due guaranteed loans excluded were $94 million at 3/31/2026, $79 million at 12/31/2025, $48 million at 9/30/2025, $44 million at 6/30/2025, and $53 million at 3/31/2025.
19
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to First Quarter 2026 Earnings Release
Forward-Looking Statements
This supplement, the related earnings release, and the accompanying earnings call may include forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. In addition, the company, through its senior management, may from time to time make forward-looking public statements concerning the matters described herein. The words “future,” “anticipates,” “assumes,” “intends,” “plans,” “seeks,” “believes,” “predicts,” “potential,” “objectives,” “estimates,” “expects,” “targets,” “projects,” “outlook,” “forecast,” “would,” “will,” “may,” “might,” “could,” “should,” “can,” and similar terms, expressions, and graphics often signify forward-looking statements. Forward-looking statements are subject to the risk that the actual effects may differ, possibly materially, from what is reflected in those forward-looking statements due to factors and future developments that are uncertain, unpredictable and in many cases beyond our control. Forward-looking statements are not based on historical information, but rather are related to future operations, strategies, financial results or other developments. Forward-looking statements are based on management’s current expectations as well as certain assumptions and estimates made by, and information available to, management at the time the statements are made. Those statements are based on general assumptions and are subject to various risks, and because they also relate to the future, they are likewise subject to inherent uncertainties and other factors that may cause actual results to differ materially from the views, beliefs and projections expressed in such statements. Therefore, we caution you against relying on any of these forward-looking statements. These risks, uncertainties and other factors include, but are not limited to, those described below:

•Our businesses have been, and may continue to be, adversely affected by conditions in the financial markets and economic conditions generally.
•Fluctuations in market interest rates, including the level and shape of the yield curve, may adversely affect our performance.
•If we experience greater credit losses in our loan portfolios than anticipated, our earnings may be materially adversely affected.
•Any future reductions in our credit ratings may increase our funding costs and place limitations on business activities.
•Changes in the soundness of other financial institutions could adversely affect us.
•We may suffer losses if the value of collateral declines in stressed market conditions.
•Ineffective liquidity management could adversely affect our financial results and condition.
•Loss of deposits or a change in deposit mix could increase our funding costs.
•We rely on the mortgage secondary market to manage various risks.
•We are at risk of a variety of systems failures or errors and cyber-attacks or other similar incidents that could adversely affect customer experience and our business and financial performance.
•We are subject to complex and evolving laws, regulations, rules, standards and contractual obligations regarding privacy and cybersecurity, which could increase the cost of doing business, compliance risks and potential liability.
•We will continually encounter technological change and must effectively anticipate, develop and implement new technology.
•The development and use of AI presents risks and challenges that may adversely impact our business.
•Industry competition, including competition from decentralized finance platforms, cryptocurrencies and blockchain technologies could disrupt our business model and adversely affect our revenues, market share or liquidity.
•Our operations are concentrated primarily in the South, Midwest and Texas, and adverse changes in the economic conditions in this region can adversely affect our financial results and condition.
•Weakness in the residential real estate markets could adversely affect our performance.
•Weakness in the commercial real estate markets could adversely affect our performance.
•Risks associated with home equity products where we are in a second lien position could adversely affect our performance.
•Weakness in commodity businesses could adversely affect our performance.
•An outbreak or escalation of hostilities between countries or within a country or region could have a material adverse effect on the U.S. economy and on our businesses.
•We are subject to a variety of operational risks, including the risk of fraud or theft by internal or external parties, which may adversely affect our business and results of operations.
•We rely on other companies to provide key components of our business infrastructure.
•We depend on the accuracy and completeness of information about clients and counterparties.
•We are exposed to risk of environmental liability when we take title to property.
•We can be negatively affected if we fail to identify and address operational risks associated with the introduction of or changes to products, services and delivery platforms.
•Enhanced regulatory and other standards for the oversight of vendors and other service providers can result in higher costs and other potential exposures.
•We are, and may in the future be, subject to claims and litigation calling into question our right to use the intellectual property underlying certain technology in our business.
•Weather-related events, pandemics and other natural or man-made disasters could cause a disruption in our operations or lead to other consequences that could adversely impact our financial results and condition. These impacts could be intensified by climate change. Heightening focus on climate change may also carry transition risks that could negatively impact our results of operations and financial condition.
•We are subject to sociopolitical risks that could adversely affect our business, reputation and the trading price of our common stock.
•Damage to our reputation could significantly harm our businesses.
•We are, and may in the future be, subject to litigation, investigations and governmental proceedings that may result in liabilities adversely affecting our financial condition, business or results of operations or in reputational harm.
•We are subject to extensive governmental regulation, which could have an adverse impact on our operations and our business model.
•We are subject to a variety of risks in connection with any sale of loans we may conduct.
•We may be subject to more stringent capital and liquidity requirements.
•Rulemaking changes and regulatory initiatives implemented by the CFPB may result in higher regulatory and compliance costs that may adversely affect our results of operations.
•We are subject to numerous laws designed to protect consumers, including the CRA and fair lending laws, and a failure to comply with these laws could lead to a wide variety of penalties and other sanctions.
•We may not be able to complete future acquisitions, may not be successful in realizing the benefits of any future acquisitions that are completed or may choose not to pursue acquisition opportunities we might find beneficial.
•Increases in FDIC insurance assessments may adversely affect our earnings.
•Unfavorable results from ongoing stress analyses may adversely affect our ability to retain customers or compete for new business opportunities.
•We are a holding company and depend on our subsidiaries for dividends, distributions and other payments.
•We may not pay dividends on shares of our capital stock.
•Anti-takeover and banking laws and certain agreements and charter provisions may adversely affect share value.
•Our amended and restated by-laws designate (i) the Court of Chancery of the State of Delaware as the sole and exclusive forum for certain types of actions and proceedings that may be initiated by our shareholders and (ii) the federal district courts of the United States as the sole and exclusive forum for any action asserting a cause of action arising under the Securities Act, which could limit our shareholders’ ability to obtain a favorable judicial forum for disputes with our company or our company’s directors, officers or other employees.
•We face substantial legal and operational risks in our safeguarding and other processing of personal information.
•Differences in regulation can affect our ability to compete effectively.
•Our businesses may be adversely affected if we are unable to hire and retain qualified employees.
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Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to First Quarter 2026 Earnings Release
•Our operations rely on our ability, and the ability of key external parties, to maintain appropriately staffed workforces, and on the competence, trustworthiness, health and safety of employees.
•Our reported financial results depend on management’s selection of accounting methods and certain assumptions and estimates.
•If the models that we use in our business perform poorly or provide inadequate information, our business or results of operations may be adversely affected.
•Changes in our accounting policies or in accounting standards could materially affect how we report our financial results and condition.
The foregoing list of factors is not exhaustive. For discussion of these and other factors that may cause actual results to differ from expectations, look under the captions “Forward-Looking Statements” and “Risk Factors” in Regions’ Annual Report on Form 10-K for the year ended December 31, 2025 and in Regions’ subsequent filings with the SEC.
You should not place undue reliance on any forward-looking statements, which speak only as of the date made. Factors or events that could cause our actual results to differ may emerge from time to time, and it is not possible to predict all of them. We assume no obligation and do not intend to update or revise any forward-looking statements that are made from time to time, either as a result of future developments, new information or otherwise, except as may be required by law.
Regions’ Investor Relations contact is Dana Nolan at (205) 264-7040; Regions’ Media contact is Jeremy King at (205) 264-4551.
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