8-K

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    Results of Operations and Financial Condition.

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    Regulation FD Disclosure.

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.

In accordance with general instruction B.2. of Form 8-K, the information included in or incorporated into Item 2.02 or Item 7.01 of this Current Report on Form 8-K is being furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as may be expressly set forth by specific reference in any such filing.

Item 9.01    Financial Statements and Exhibits.

(d) Exhibits.

Exhibit Number	Description of Exhibit
99.1	Press Release dated January 16, 2026.
99.2	Supplemental Financial Information for the Quarter and Year Ended December 31, 2025.
99.3	Visual Presentation 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.

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

Document

Exhibit 99.1

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													Soundness
	Quarter Ended						Year Ended						•Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 1.85% in 4Q25<br><br><br><br>•Robust capital with CET1 of 10.8% (9.6% inclusive of AOCI(1)) supported by strong organic capital generation<br><br><br><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
Earnings Summary
Net income	$	534		$	569		$	2,156		$	1,893
Net income available to common shareholders	514			548			2,061			1,774
Adj. net income avail. to common shareholders(1)	504			561			2,090			1,952
Diluted earnings per common share	0.58			0.61			2.30			1.93
Adj. diluted earnings per common share(1)	0.57			0.63			2.33			2.13			Profitability
Balance Sheet Summary													•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><br><br><br>•Regions expects 2025 18.25% ROATCE to represent 5th consecutive year as highest in its peer group<br><br><br><br>•Expenses remain well-controlled; supports self-funding of growth initiatives
Average loans	$	95,651		$	96,647		$	96,124		$	97,036
Average deposits	129,850			129,575			129,146			126,615
Credit Quality
Allowance for credit losses ratio	1.76 %		%	1.78 %		%	1.76 %		%	1.78 %		%
Net charge-offs / average loans*	0.59			0.55			0.53			0.47
Selected Ratios
Return on average assets*	1.34 %		%	1.42 %		%	1.36 %		%	1.23 %		%	Growth
Return on average common equity*	11.58			12.56			12.09			11.24			•Continuing to grow accounts across consumer checking, small business and wealth management<br><br><br><br>•2025 represents another annual record for Wealth Management and Treasury Management income; 2nd highest year for Capital Markets income<br><br><br><br>•Significant progress in hiring and reskilling of bankers to support growth initiatives
Return on avg. tangible common equity*(1)	17.17			18.81			18.25			17.77
Adj. return on avg. tangible common equity*(1)	16.84			19.24			18.51			19.55
Net interest margin (FTE)*	3.70			3.59			3.61			3.54
Efficiency ratio	56.8			57.2			56.9			59.5
Adjusted efficiency ratio(1)	57.5			56.9			56.8			57.6
Common equity Tier 1 ratio(2)	10.8			10.9			10.8			10.9
Common equity Tier 1 ratio (incl. AOCI)(1)(2)	9.6			9.6			9.6			9.6
Effective Tax Rate	24.5			19.7			21.4			19.6
*Annualized<br><br>(1) Non-GAAP; refer to reconciliations in the financial supplement to this earnings release included as Exhibit 99.2 to the company's Current Report on Form 8-K that was furnished to the SEC on Jan. 16, 2026.(2) Current quarter is estimated															John Turner, Chairman, President and CEO of Regions Financial Corp.
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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(1)	0.57
Additional selected items impacting 4Q25 earnings*:
Pre-tax additional selected items:
Salaries and employee benefits - severance charges	7
Visa Class B litigation escrow funding
Non-qualified benefit plan settlement charge
Total pre-tax impact of additional selected items	14
After-tax additional selected items:
Increase in state income tax reserves	26
Diluted earnings per share impact of additional selected items - 4Q25 **	(0.04)
* Items impacting results or trends during the quarter, but are not considered non-GAAP adjustments.
** Based on income taxes at an approximate 25% incremental rate.

All values are in US Dollars.

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.

Total revenue

	Quarter Ended
($ amounts in millions)	12/31/2025			9/30/2025			12/31/2024			4Q25 vs. 3Q25				4Q25 vs. 4Q24
Net interest income	$	1,281		$	1,257		$	1,230		$	24	1.9 %	%	$	51	4.1 %	%
Taxable equivalent adjustment	13			12			13			1		8.3 %	%	—		— %	%
Net interest income, taxable equivalent basis	$	1,294		$	1,269		$	1,243		$	25	2.0 %	%	$	51	4.1 %	%
Net interest margin (FTE)*	3.70 %		%	3.59 %		%	3.55 %		%
Non-interest income:
Service charges on deposit accounts	$	163		$	160		$	155		$	3	1.9 %	%	$	8	5.2 %	%
Card and ATM fees	123			122			113			1		0.8 %	%	10		8.8 %	%
Wealth management income	143			139			126			4		2.9 %	%	17		13.5 %	%
Capital markets income	80			104			97			(24)		(23.1)%	%	(17)		(17.5)%	%
Mortgage income	32			38			35			(6)		(15.8)%	%	(3)		(8.6)%	%
Commercial credit fee income	30			28			28			2		7.1 %	%	2		7.1 %	%
Bank-owned life insurance	23			25			21			(2)		(8.0)%	%	2		9.5 %	%
Market value adjustments on employee benefit assets**	(5)			12			(5)			(17)		(141.7)%	%	—		— %	%
Securities gains (losses), net	—			(27)			(30)			27		100.0 %	%	30		100.0 %	%
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)(1)	$	640		$	684		$	615		$	(44)	(6.4)%	%	$	25	4.1 %	%
Total revenue	$	1,921		$	1,916		$	1,815		$	5	0.3 %	%	$	106	5.8 %	%
Adjusted total revenue (non-GAAP)(1)	$	1,921		$	1,941		$	1,845		$	(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(1) 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(1) 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(1) 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.

Non-interest expense

	Quarter Ended
($ amounts in millions)	12/31/2025		9/30/2025		12/31/2024		4Q25 vs. 3Q25				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	$	1,098	$	1,103	$	1,038	$	(5)	(0.5)%	%	$	60	5.8 %	%
Adjusted non-interest expense (non-GAAP)(1)	$	1,112	$	1,111	$	1,029	$	1	0.1 %	%	$	83	8.1 %	%

Salaries and Employee Benefits Expense

	Quarter Ended
($ amounts in millions)	12/31/2025		9/30/2025		12/31/2024		4Q25 vs. 3Q25				4Q25 vs. 4Q24
Salaries and employee benefits	$	662	$	671	$	617	$	(9)	(1.3)%	%	$	45	7.3 %	%
Less: Market value adjustments on 401(k) liabilities(*)	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(1) 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(1).

Loans

	Average Balances
($ amounts in millions)	4Q25		3Q25		4Q24		4Q25 vs. 3Q25				4Q25 vs. 4Q24
Commercial and industrial	$	48,769	$	49,588	$	49,357	$	(819)	(1.7)%	%	$	(588)	(1.2)%
Commercial real estate—owner-occupied	5,126		5,134		5,212		(8)		(0.2)%	%	(86)		(1.7)%
Investor real estate	9,116		9,138		8,656		(22)		(0.2)%	%	460		5.3%
Business Lending	63,011		63,860		63,225		(849)		(1.3)%	%	(214)		(0.3)%
Residential first mortgage	19,822		19,944		20,107		(122)		(0.6)%	%	(285)		(1.4)%
Home equity	5,546		5,538		5,527		8		0.1 %	%	19		0.3%
Consumer credit card	1,458		1,420		1,398		38		2.7 %	%	60		4.3%
Other consumer*	5,814		5,885		6,151		(71)		(1.2)%	%	(337)		(5.5)%
Consumer Lending	32,640		32,787		33,183		(147)		(0.4)%	%	(543)		(1.6)%
Total Loans	$	95,651	$	96,647	$	96,408	$	(996)	(1.0)%	%	$	(757)	(0.8)%
	Ending Balances
---	---	---	---	---	---	---	---	---	---	---	---	---	---
							12/31/2025				12/31/2025
($ amounts in millions)	12/31/2025		9/30/2025		12/31/2024		vs. 9/30/2025				vs. 12/31/2024
Commercial and industrial	$	48,790	$	49,234	$	49,671	$	(444)	(0.9)%	%	$	(881)	(1.8)%
Commercial real estate—owner-occupied	5,108		5,120		5,174		(12)		(0.2)%	%	(66)		(1.3)%
Investor real estate	9,106		9,070		8,710		36		0.4 %	%	396		4.5%
Business Lending	63,004		63,424		63,555		(420)		(0.7)%	%	(551)		(0.9)%
Residential first mortgage	19,765		19,881		20,094		(116)		(0.6)%	%	(329)		(1.6)%
Home equity	5,556		5,549		5,540		7		0.1 %	%	16		0.3%
Consumer credit card	1,519		1,437		1,445		82		5.7 %	%	74		5.1%
Other consumer*	5,793		5,834		6,093		(41)		(0.7)%	%	(300)		(4.9)%
Consumer Lending	32,633		32,701		33,172		(68)		(0.2)%	%	(539)		(1.6)%
Total Loans	$	95,637	$	96,125	$	96,727	$	(488)	(0.5)%	%	$	(1,090)	(1.1)%

NM - Not meaningful.

*    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.

Deposits

	Average Balances
($ amounts in millions)	4Q25		3Q25		4Q24		4Q25 vs. 3Q25			4Q25 vs. 4Q24
Total interest-bearing deposits	$	90,391	$	90,037	$	87,069	$	354	0.4%	$	3,322	3.8%
Non-interest-bearing deposits	39,459		39,538		39,424		(79)		(0.2)%	35		0.1%
Total Deposits	$	129,850	$	129,575	$	126,493	$	275	0.2%	$	3,357	2.7%
($ amounts in millions)	4Q25		3Q25		4Q24		4Q25 vs. 3Q25			4Q25 vs. 4Q24
Consumer Bank Segment	$	79,437	$	79,698	$	78,476	$	(261)	(0.3)%	$	961	1.2%
Corporate Bank Segment	40,243		39,733		37,426		510		1.3%	2,817		7.5%
Wealth Management Segment	7,810		7,262		7,492		548		7.5%	318		4.2%
Other	2,360		2,882		3,099		(522)		(18.1)%	(739)		(23.8)%
Total Deposits	$	129,850	$	129,575	$	126,493	$	275	0.2%	$	3,357	2.7%
	End of Period Deposits
---	---	---	---	---	---	---	---	---	---	---	---	---
							12/31/2025			12/31/2025
($ amounts in millions)	12/31/2025		9/30/2025		12/31/2024		vs. 9/30/2025			vs. 12/31/2024
Consumer Bank Segment	$	80,193	$	79,689	$	78,637	$	504	0.6%	$	1,556	2.0%
Corporate Bank Segment	40,449		40,415		38,361		34		0.1%	2,088		5.4%
Wealth Management Segment	8,344		7,654		7,736		690		9.0%	608		7.9%
Other	2,142		2,576		2,869		(434)		(16.8)%	(727)		(25.3)%
Total Deposits	$	131,128	$	130,334	$	127,603	$	794	0.6%	$	3,525	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.

Asset quality

	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	$1,686	$1,713	$1,729
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**	$3,342	$3,682	$4,716

* 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.

Capital and liquidity

	As of and for Quarter Ended
	12/31/2025	9/30/2025	12/31/2024
Common Equity Tier 1 ratio(2)	10.8%	10.9%	10.8%
Common equity Tier 1 ratio (incl. AOCI) (non-GAAP)(1)(2)	9.6%	9.6%	8.8%
Tier 1 capital ratio(2)	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)(1)	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)(1)	$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)(2) and Tier 1 capital(2) ratios were estimated at 10.8 percent and 11.9 percent respectively. Including the impacts of accumulated other comprehensive income, CET1(1)(2) 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(1) 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 13, 17, 18, 19, 20 and 21 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:

•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.

•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.

•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.

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 Exhibit 99.2 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.

12

Document

Exhibit 99.2

Regions Financial Corporation and Subsidiaries

Financial Supplement (unaudited)

Fourth Quarter 2025

Regions Financial Corporation and Subsidiaries

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

Table of Contents

	Page
Financial Highlights	1
Selected Ratios and Other Information*	2
Consolidated Balance Sheets	3
Loans	4
Deposits	6
Consolidated Statements of Income	8
Consolidated Average Daily Balances and Yield / Rate Analysis	10
Pre-Tax Pre-Provision Income ("PPI")* and Adjusted PPI*	13
Non-Interest Income, Service Charges on Deposit Accounts by Segment, Wealth Management Income, Capital Markets Income, and Mortgage Income	14
Non-Interest Expense and Salaries and Benefits Expense	16
Reconciliation of GAAP Financial Measures to non-GAAP Financial Measures*
Adjusted Efficiency Ratios, Adjusted Fee Income Ratios, Adjusted Non-Interest Income / Expense, Adjusted Operating Leverage Ratios, Adjusted Total Revenue, Adjusted Net Income Available to Common Shareholders, Adjusted Diluted EPS, Return Ratios, Tangible Common Ratios, and Common Equity Tier 1 (CET1) Ratios	17
Asset Quality
Allowance for Credit Losses, Net Charge-Offs and Related Ratios	22
Non-Performing Loans (excludes loans held for sale), Early and Late Stage Delinquencies	24
Forward-Looking Statements	25

*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 Fourth Quarter 2025 Earnings Release

Financial Highlights

	Quarter Ended
($ amounts in millions, except per share data)	12/31/2025			9/30/2025			6/30/2025			3/31/2025			12/31/2024
Earnings Summary
Interest income - taxable equivalent	$	1,781		$	1,808		$	1,796		$	1,737		$	1,815
Interest expense - taxable equivalent	487			539			525			531			572
Net interest income - taxable equivalent	1,294			1,269			1,271			1,206			1,243
Less: Taxable-equivalent adjustment	13			12			12			12			13
Net interest income	1,281			1,257			1,259			1,194			1,230
Provision for credit losses	115			105			126			124			120
Net interest income after provision for credit losses	1,166			1,152			1,133			1,070			1,110
Non-interest income	640			659			646			590			585
Non-interest expense	1,098			1,103			1,073			1,039			1,038
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) (1)	$	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) (1)	$	0.57		$	0.63		$	0.60		$	0.54		$	0.59
Balance Sheet Summary
At quarter-end
Loans, net of unearned income	$	95,637		$	96,125		$	96,723		$	95,733		$	96,727
Allowance for credit losses	(1,686		)	(1,713		)	(1,743		)	(1,730		)	(1,729		)
Assets	159,553			159,940			159,206			159,846			157,302
Deposits	131,128			130,334			130,919			130,971			127,603
Long-term borrowings	4,134			4,785			5,279			6,019			5,993
Shareholders' equity	19,043			19,049			18,666			18,530			17,879
Average balances
Loans, net of unearned income	$	95,651		$	96,647		$	96,077		$	96,122		$	96,408
Assets	158,107			159,089			157,974			156,876			156,508
Deposits	129,850			129,575			129,444			127,687			126,493
Long-term borrowings	4,524			5,527			5,660			6,001			6,025
Shareholders' equity	18,986			18,688			18,350			18,127			18,042

_____

(1) See reconciliation of these non-GAAP measures to the most directly comparable GAAP measures on page 19.

Regions Financial Corporation and Subsidiaries

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

Selected Ratios and Other Information

	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* (1)	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)* (2)	17.17 %		%	18.81 %		%	19.34 %		%	17.72 %		%	19.19 %		%
Adjusted return on average tangible common shareholders' equity (non-GAAP) *(2)	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) (2)	57.5 %		%	56.9 %		%	56.0 %		%	56.8 %		%	55.4 %		%
Dividend payout ratio (3)	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) (2)	$	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) (2)	7.76 %		%	7.74 %		%	7.52 %		%	7.17 %		%	6.86 %		%
Common equity Tier 1 (4)	$	13,486		$	13,620		$	13,533		$	13,355		$	13,434
Total risk-weighted assets (4)	$	125,311		$	125,386		$	125,755		$	123,755		$	124,440
Common equity Tier 1 ratio (4)	10.8 %		%	10.9 %		%	10.8 %		%	10.8 %		%	10.8 %		%
Common equity Tier 1 ratio (inclusive of AOCI) (non-GAAP) (2)(4)	9.6 %		%	9.6 %		%	9.3 %		%	9.1 %		%	8.8 %		%
Tier 1 capital ratio (4)	11.9 %		%	12.0 %		%	11.9 %		%	12.2 %		%	12.2 %		%
Total risk-based capital ratio (4)	13.7 %		%	13.8 %		%	13.7 %		%	14.1 %		%	14.1 %		%
Leverage ratio (4)	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 (5)	0.94 %		%	0.98 %		%	1.01 %		%	1.11 %		%	1.15 %		%
Associate headcount—full-time equivalent	19,969			19,675			19,642			19,541			19,644
ATMs	1,786			1,874			1,996			2,008			2,011
Branch Statistics
Full service	1,222			1,223			1,224			1,224			1,227
Drive-through/transaction service only	25			25			26			25			26
Total branch outlets	1,247			1,248			1,250			1,249			1,253
	Year Ended December 31
---	---	---	---	---
	2025		2024
Return on average assets (1)	1.36 %	%	1.23 %	%
Return on average common shareholders' equity	12.09 %	%	11.24 %	%
Return on average tangible common shareholders’ equity (non-GAAP) (2)	18.25 %	%	17.77 %	%
Adjusted return on average tangible common shareholders' equity (non-GAAP) (2)	18.51 %	%	19.55 %	%
Efficiency ratio	56.9 %	%	59.5 %	%
Adjusted efficiency ratio (non-GAAP) (2)	56.8 %	%	57.6 %	%
Dividend payout ratio (3)	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 13, 17, 19, and 21.

(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 24 for amounts related to these loans.

Regions Financial Corporation and Subsidiaries

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

Consolidated Balance Sheets

	As of
($ amounts in millions)	12/31/2025		9/30/2025		6/30/2025		3/31/2025		12/31/2024
Assets:
Cash and due from banks	$	3,112	$	3,073	$	3,245	$	3,287	$	2,893
Interest-bearing deposits in other banks	7,795		9,026		7,930		11,029		7,819
Debt securities held to maturity	5,606		5,769		5,972		5,195		4,427
Debt securities available for sale	27,560		26,886		26,333		25,942		26,224
Loans held for sale	511		573		594		345		594
Loans, net of unearned income	95,637		96,125		96,723		95,733		96,727
Allowance for loan losses	(1,556)		(1,581)		(1,612)		(1,613)		(1,613)
Net loans	94,081		94,544		95,111		94,120		95,114
Other earning assets	1,703		1,513		1,682		1,412		1,616
Premises and equipment, net	1,659		1,742		1,755		1,726		1,673
Interest receivable	571		574		574		583		572
Goodwill	5,733		5,733		5,733		5,733		5,733
Residential mortgage servicing rights at fair value (MSRs)	970		976		988		979		1,007
Other identifiable intangible assets, net	140		146		153		161		169
Other assets	10,112		9,385		9,136		9,334		9,461
Total assets	$	159,553	$	159,940	$	159,206	$	159,846	$	157,302
Liabilities and Equity:
Deposits:
Non-interest-bearing	$	39,530	$	39,768	$	40,209	$	40,443	$	39,138
Interest-bearing	91,598		90,566		90,710		90,528		88,465
Total deposits	131,128		130,334		130,919		130,971		127,603
Borrowed funds:
Short-term borrowings	750		1,300		—		—		500
Long-term borrowings	4,134		4,785		5,279		6,019		5,993
Other liabilities	4,438		4,426		4,302		4,289		5,296
Total liabilities	140,450		140,845		140,500		141,279		139,392
Equity:
Preferred stock, non-cumulative perpetual	1,369		1,369		1,369		1,715		1,715
Common stock	9		9		9		9		9
Additional paid-in capital	10,366		10,780		11,017		11,161		11,394
Retained earnings	10,205		9,922		9,609		9,299		9,060
Treasury stock, at cost	(1,371)		(1,371)		(1,371)		(1,371)		(1,371)
Accumulated other comprehensive income (loss), net	(1,535)		(1,660)		(1,967)		(2,283)		(2,928)
Total shareholders’ equity	19,043		19,049		18,666		18,530		17,879
Noncontrolling interest	60		46		40		37		31
Total equity	19,103		19,095		18,706		18,567		17,910
Total liabilities and equity	$	159,553	$	159,940	$	159,206	$	159,846	$	157,302

Regions Financial Corporation and Subsidiaries

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

End of Period Loans

	As of
											12/31/2025				12/31/2025
($ amounts in millions)	12/31/2025		9/30/2025		6/30/2025		3/31/2025		12/31/2024		vs. 9/30/2025				vs. 12/31/2024
Commercial and industrial	$	48,790	$	49,234	$	49,586	$	48,879	$	49,671	$	(444)	(0.9)%	%	$	(881)	(1.8)%	%
Commercial real estate mortgage—owner-occupied	4,845		4,835		4,890		4,849		4,841		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	53,898		54,354		54,751		54,044		54,845		(456)		(0.8)%	%	(947)		(1.7)%	%
Commercial investor real estate mortgage	7,172		7,122		6,949		6,376		6,567		50		0.7 %	%	605		9.2 %	%
Commercial investor real estate construction	1,934		1,948		2,149		2,457		2,143		(14)		(0.7)%	%	(209)		(9.8)%	%
Total investor real estate	9,106		9,070		9,098		8,833		8,710		36		0.4 %	%	396		4.5 %	%
Total business	63,004		63,424		63,849		62,877		63,555		(420)		(0.7)%	%	(551)		(0.9)%	%
Residential first mortgage	19,765		19,881		20,020		20,000		20,094		(116)		(0.6)%	%	(329)		(1.6)%	%
Home equity—lines of credit (1)	3,232		3,209		3,184		3,130		3,150		23		0.7 %	%	82		2.6 %	%
Home equity—closed-end (2)	2,324		2,340		2,352		2,371		2,390		(16)		(0.7)%	%	(66)		(2.8)%	%
Consumer credit card	1,519		1,437		1,415		1,384		1,445		82		5.7 %	%	74		5.1 %	%
Other consumer (3)(4)	5,793		5,834		5,903		5,971		6,093		(41)		(0.7)%	%	(300)		(4.9)%	%
Total consumer	32,633		32,701		32,874		32,856		33,172		(68)		(0.2)%	%	(539)		(1.6)%	%
Total Loans	$	95,637	$	96,125	$	96,723	$	95,733	$	96,727	$	(488)	(0.5)%	%	$	(1,090)	(1.1)%	%

______

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

(4)    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
End of Period Loans by Percentage(1)	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

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

Average Balances of Loans

	Average Balances
($ amounts in millions)	4Q25		3Q25		2Q25		1Q25		4Q24		4Q25 vs. 3Q25				4Q25 vs. 4Q24
Commercial and industrial	$	48,769	$	49,588	$	49,033	$	49,209	$	49,357	$	(819)	(1.7)%	%	$	(588)	(1.2)%	%
Commercial real estate mortgage—owner-occupied	4,866		4,860		4,900		4,863		4,869		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	53,895		54,722		54,203		54,389		54,569		(827)		(1.5)%	%	(674)		(1.2)%	%
Commercial investor real estate mortgage	7,210		7,087		6,805		6,484		6,491		123		1.7 %	%	719		11.1 %	%
Commercial investor real estate construction	1,906		2,051		2,204		2,267		2,165		(145)		(7.1)%	%	(259)		(12.0)%	%
Total investor real estate	9,116		9,138		9,009		8,751		8,656		(22)		(0.2)%	%	460		5.3 %	%
Total business	63,011		63,860		63,212		63,140		63,225		(849)		(1.3)%	%	(214)		(0.3)%	%
Residential first mortgage	19,822		19,944		19,992		20,037		20,107		(122)		(0.6)%	%	(285)		(1.4)%	%
Home equity—lines of credit	3,219		3,197		3,168		3,135		3,135		22		0.7 %	%	84		2.7 %	%
Home equity—closed-end	2,327		2,341		2,357		2,374		2,392		(14)		(0.6)%	%	(65)		(2.7)%	%
Consumer credit card	1,458		1,420		1,397		1,394		1,398		38		2.7 %	%	60		4.3 %	%
Other consumer (1)(2)	5,814		5,885		5,951		6,042		6,151		(71)		(1.2)%	%	(337)		(5.5)%	%
Total consumer	32,640		32,787		32,865		32,982		33,183		(147)		(0.4)%	%	(543)		(1.6)%	%
Total Loans	$	95,651	$	96,647	$	96,077	$	96,122	$	96,408	$	(996)	(1.0)%	%	$	(757)	(0.8)%	%
	Average Balances
---	---	---	---	---	---	---	---	---
	Twelve Months Ended December 31
($ amounts in millions)	2025		2024		2025 vs. 2024
Commercial and industrial	$	49,150	$	49,834	$	(684)	(1.4)%	%
Commercial real estate mortgage—owner-occupied	4,872		4,836		36		0.7 %	%
Commercial real estate construction—owner-occupied	280		332		(52)		(15.7)%	%
Total commercial	54,302		55,002		(700)		(1.3)%	%
Commercial investor real estate mortgage	6,899		6,538		361		5.5 %	%
Commercial investor real estate construction	2,106		2,233		(127)		(5.7)%	%
Total investor real estate	9,005		8,771		234		2.7 %	%
Total business	63,307		63,773		(466)		(0.7)%	%
Residential first mortgage	19,948		20,158		(210)		(1.0)%	%
Home equity—lines of credit	3,180		3,147		33		1.0 %	%
Home equity—closed-end	2,350		2,407		(57)		(2.4)%	%
Consumer credit card	1,417		1,351		66		4.9 %	%
Other consumer (1)(2)	5,922		6,200		(278)		(4.5)%	%
Total consumer	32,817		33,263		(446)		(1.3)%	%
Total Loans	$	96,124	$	97,036	$	(912)	(0.9)%	%

_____

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

(2)    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

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

End of Period Deposits

	As of
											12/31/2025			12/31/2025
($ amounts in millions)	12/31/2025		9/30/2025		6/30/2025		3/31/2025		12/31/2024		vs. 9/30/2025			vs. 12/31/2024
Non-interest-bearing deposits	$	39,530	$	39,768	$	40,209	$	40,443	$	39,138	$	(238)	(0.6)%	$	392	1.0%
Interest-bearing checking	25,677		24,669		24,704		25,281		25,079		1,008		4.1%	598		2.4%
Savings	11,914		11,944		12,187		12,466		12,022		(30)		(0.3)%	(108)		(0.9)%
Money market—domestic	40,119		39,051		38,525		37,289		35,644		1,068		2.7%	4,475		12.6%
Time deposits	13,888		14,902		15,294		15,492		15,720		(1,014)		(6.8)%	(1,832)		(11.7)%
Total Deposits	$	131,128	$	130,334	$	130,919	$	130,971	$	127,603	$	794	0.6%	$	3,525	2.8%
	As of
											12/31/2025			12/31/2025
($ amounts in millions)	12/31/2025		9/30/2025		6/30/2025		3/31/2025		12/31/2024		vs. 9/30/2025			vs. 12/31/2024
Consumer Bank Segment	$	80,193	$	79,689	$	79,953	$	80,627	$	78,637	$	504	0.6%	$	1,556	2.0%
Corporate Bank Segment	40,449		40,415		40,101		39,696		38,361		34		0.1%	2,088		5.4%
Wealth Management Segment	8,344		7,654		7,352		7,798		7,736		690		9.0%	608		7.9%
Other (1)	2,142		2,576		3,513		2,850		2,869		(434)		(16.8)%	(727)		(25.3)%
Total Deposits	$	131,128	$	130,334	$	130,919	$	130,971	$	127,603	$	794	0.6%	$	3,525	2.8%
	As of
											12/31/2025			12/31/2025
($ amounts in millions)	12/31/2025		9/30/2025		6/30/2025		3/31/2025		12/31/2024		vs. 9/30/2025			vs. 12/31/2024
Wealth Management - Private Wealth	$	7,149	$	6,698	$	6,433	$	6,931	$	6,998	$	451	6.7%	$	151	2.2%
Wealth Management - Institutional Services	1,195		956		919		867		738		239		25.0%	457		61.9%
Total Wealth Management Segment Deposits	$	8,344	$	7,654	$	7,352	$	7,798	$	7,736	$	690	9.0%	$	608	7.9%
	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

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

Average Balances of Deposits

	Average Balances
($ amounts in millions)	4Q25		3Q25		2Q25		1Q25		4Q24		4Q25 vs. 3Q25				4Q25 vs. 4Q24
Non-interest-bearing deposits	$	39,459	$	39,538	$	39,556	$	39,053	$	39,424	$	(79)	(0.2)%	%	$	35	0.1 %	%
Interest-bearing checking	24,528		24,274		24,865		25,033		24,060		254		1.0 %	%	468		1.9 %	%
Savings	11,876		12,046		12,300		12,177		12,020		(170)		(1.4)%	%	(144)		(1.2)%	%
Money market—domestic	39,591		38,593		37,389		35,625		35,264		998		2.6 %	%	4,327		12.3 %	%
Time deposits	14,396		15,124		15,334		15,799		15,725		(728)		(4.8)%	%	(1,329)		(8.5)%	%
Total Deposits	$	129,850	$	129,575	$	129,444	$	127,687	$	126,493	$	275	0.2 %	%	3,357		2.7 %	%
	Average Balances
---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---
($ amounts in millions)	4Q25		3Q25		2Q25		1Q25		4Q24		4Q25 vs. 3Q25				4Q25 vs. 4Q24
Consumer Bank Segment	$	79,437	$	79,698	$	79,912	$	78,712	$	78,476	$	(261)	(0.3)%	%	$	961	1.2 %	%
Corporate Bank Segment	40,243		39,733		39,234		38,312		37,426		510		1.3 %	%	2,817		7.5 %	%
Wealth Management Segment	7,810		7,262		7,324		7,600		7,492		548		7.5 %	%	318		4.2 %	%
Other (1)	2,360		2,882		2,974		3,063		3,099		(522)		(18.1)%	%	(739)		(23.8)%	%
Total Deposits	$	129,850	$	129,575	$	129,444	$	127,687	$	126,493	$	275	0.2 %	%	$	3,357	2.7 %	%			Average Balances
---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---
($ amounts in millions)	4Q25		3Q25		2Q25		1Q25		4Q24		4Q25 vs. 3Q25				4Q25 vs. 4Q24
Wealth Management - Private Wealth	$	6,719	$	6,604	$	6,705	$	6,897	$	6,700	$	115	1.7 %	%	$	19	0.3 %	%
Wealth Management - Institutional Services	1,091		658		619		703		792		433		65.8 %	%	299		37.8 %	%
Total Wealth Management Segment Deposits	$	7,810	$	7,262	$	7,324	$	7,600	$	7,492	$	548	7.5 %	%	$	318	4.2 %	%
	Average Balances
---	---	---	---	---	---	---	---	---
	Twelve Months Ended December 31
($ amounts in millions)	2025		2024		2025 vs. 2024
Interest-free deposits	$	39,403	$	40,136	$	(733)	(1.8)%	%
Interest-bearing checking	24,672		24,090		582		2.4 %	%
Savings	12,099		12,332		(233)		(1.9)%	%
Money market—domestic	37,813		34,586		3,227		9.3 %	%
Time deposits	15,159		15,471		(312)		(2.0)%	%
Total Deposits	$	129,146	$	126,615	$	2,531	2.0 %	%
	Average Balances
---	---	---	---	---	---	---	---	---
	Twelve Months Ended December 31
($ amounts in millions)	2025		2024		2025 vs. 2024
Consumer Bank Segment	$	79,442	$	79,083	$	359	0.5 %	%
Corporate Bank Segment	39,387		37,007		2,380		6.4 %	%
Wealth Management Segment	7,499		7,541		(42)		(0.6)%	%
Other (1)	2,818		2,984		(166)		(5.6)%	%
Total Deposits	$	129,146	$	126,615	$	2,531	2.0 %	%
	Average Balances
---	---	---	---	---	---	---	---	---
	Twelve Months Ended December 31
($ amounts in millions)	2025		2024		2025 vs. 2024
Wealth Management - Private Wealth	$	6,730	$	6,638	$	92	1.4 %	%
Wealth Management - Institutional Services	769		903		(134)		(14.8)%	%
Total Wealth Management Segment Deposits	$	7,499	$	7,541	$	(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

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

Consolidated Statements of Income (unaudited)

	Quarter Ended
($ amounts in millions, except per share data)	12/31/2025		9/30/2025		6/30/2025		3/31/2025		12/31/2024
Interest income on:
Loans, including fees	$	1,358	$	1,386	$	1,377	$	1,342	$	1,416
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	1,768		1,796		1,784		1,725		1,802
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	1,281		1,257		1,259		1,194		1,230
Provision for credit losses	115		105		126		124		120
Net interest income after provision for credit losses	1,166		1,152		1,133		1,070		1,110
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	1,098		1,103		1,073		1,039		1,038
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: (1)
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	$	1,294	$	1,269	$	1,271	$	1,206	$	1,243

________

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

Regions Financial Corporation and Subsidiaries

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

Consolidated Statements of Income (continued) (unaudited)

	Twelve Months Ended December 31
($ amounts in millions, except per share data)	2025		2024
Interest income on:
Loans, including fees	$	5,463	$	5,732
Debt securities	1,145		925
Loans held for sale	35		39
Other earning assets	430		412
Total interest income	7,073		7,108
Interest expense on:
Deposits	1,766		1,971
Short-term borrowings	17		40
Long-term borrowings	299		279
Total interest expense	2,082		2,290
Net interest income	4,991		4,818
Provision for credit losses	470		487
Net interest income after provision for credit losses	4,521		4,331
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	2,535		2,265
Non-interest expense:
Salaries and employee benefits	2,616		2,529
Equipment and software expense	421		406
Net occupancy expense	288		278
Other	988		1,029
Total non-interest expense	4,313		4,242
Income before income taxes	2,743		2,354
Income tax expense	587		461
Net income	$	2,156	$	1,893
Net income available to common shareholders	$	2,061	$	1,774
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	$	5,040	$	4,868

Regions Financial Corporation and Subsidiaries

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

Consolidated Average Daily Balances and Yield/Rate Analysis

	Quarter Ended
	12/31/2025						9/30/2025
($ amounts in millions; yields on taxable-equivalent basis)	Average Balance		Income/ Expense		Yield/ Rate (1)		Average Balance		Income/ Expense		Yield/ Rate (1)
Assets
Earning assets:
Debt securities (2)(3)	$	33,464	$	300	3.58 %	%	$	33,223	$	293	3.53 %	%
Loans held for sale	642		9		5.73		662		9		5.52
Loans, net of unearned income:
Commercial and industrial (4)	48,769		688		5.53		49,588		714		5.65
Commercial real estate mortgage—owner-occupied (5)	4,866		65		5.16		4,860		62		5.04
Commercial real estate construction—owner-occupied	260		3		5.72		274		4		5.96
Commercial investor real estate mortgage	7,210		116		6.29		7,087		114		6.30
Commercial investor real estate construction	1,906		33		6.85		2,051		37		7.12
Residential first mortgage	19,822		202		4.07		19,944		202		4.06
Home equity	5,546		91		6.57		5,538		91		6.54
Consumer credit card	1,458		51		14.06		1,420		52		14.46
Other consumer	5,814		122		8.26		5,885		122		8.14
Total loans, net of unearned income	95,651		1,371		5.65		96,647		1,398		5.70
Interest-bearing deposits in other banks	7,596		79		4.07		8,316		94		4.51
Other earning assets	1,456		22		6.21		1,519		14		3.63
Total earning assets	138,809		1,781		5.07		140,367		1,808		5.09
Unrealized gains/(losses) on debt securities available for sale, net (2)	(641)						(1,001)
Allowance for loan losses	(1,545)						(1,616)
Cash and due from banks	3,055						2,892
Other non-earning assets	18,429						18,447
	$	158,107					$	159,089
Liabilities and Shareholders’ Equity
Interest-bearing liabilities:
Savings	$	11,876	3		0.10		$	12,046	4		0.13
Interest-bearing checking	24,528		78		1.26		24,274		86		1.41
Money market	39,591		220		2.20		38,593		234		2.40
Time deposits	14,396		120		3.33		15,124		132		3.45
Total interest-bearing deposits (6)	90,391		421		1.85		90,037		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	4,524		62		5.40		5,527		75		5.39
Total interest-bearing liabilities	95,178		487		2.03		96,308		539		2.22
Non-interest-bearing deposits (6)	39,459		—		—		39,538		—		—
Total funding sources	134,637		487		1.43		135,846		539		1.57
Net interest spread (2)					3.04						2.87
Other liabilities	4,438						4,515
Shareholders’ equity	18,986						18,688
Noncontrolling interest	46						40
	$	158,107					$	159,089
Net interest income/margin FTE basis (2)			$	1,294	3.70 %	%			$	1,269	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

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

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

	Quarter Ended
	6/30/2025						3/31/2025						12/31/2024
($ amounts in millions; yields on taxable-equivalent basis)	Average Balance		Income/ Expense		Yield/ Rate (1)		Average Balance		Income/ Expense		Yield/ Rate (1)		Average Balance		Income/ Expense		Yield/ Rate (1)
Assets
Earning assets:
Federal funds sold and securities purchased under agreements to resell	$	1	$	—	4.44 %	%	$	1	$	—	4.44 %	%	$	1	$	—	4.82 %	%
Debt securities (2)(3)	32,882		286		3.48		32,280		266		3.30		32,553		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 (4)	49,033		708		5.72		49,209		687		5.58		49,357		746		5.99
Commercial real estate mortgage—owner-occupied (5)	4,900		63		5.02		4,863		59		4.87		4,869		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	6,805		113		6.55		6,484		100		6.17		6,491		105		6.35
Commercial investor real estate construction	2,204		40		7.10		2,267		40		7.06		2,165		41		7.40
Residential first mortgage	19,992		200		3.99		20,037		198		3.96		20,107		199		3.95
Home equity	5,525		90		6.51		5,509		91		6.63		5,527		94		6.78
Consumer credit card	1,397		50		14.24		1,394		50		14.55		1,398		50		14.37
Other consumer	5,951		121		8.33		6,042		124		8.27		6,151		128		8.18
Total loans, net of unearned income	96,077		1,389		5.75		96,122		1,354		5.64		96,408		1,429		5.87
Interest-bearing deposits in other banks	8,737		97		4.49		8,537		94		4.45		7,978		98		4.84
Other earning assets	1,466		15		3.96		1,483		15		4.19		1,510		21		5.54
Total earning assets	139,663		1,796		5.12		138,864		1,737		5.01		139,216		1,815		5.17
Unrealized gains/(losses) on debt securities available for sale, net (2)	(1,348)						(1,716)						(1,945)
Allowance for loan losses	(1,643)						(1,625)						(1,621)
Cash and due from banks	2,893						2,957						2,826
Other non-earning assets	18,409						18,396						18,032
	$	157,974					$	156,876					$	156,508
Liabilities and Shareholders’ Equity
Interest-bearing liabilities:
Savings	$	12,300	4		0.13		$	12,177	4		0.13		$	12,020	3		0.11
Interest-bearing checking	24,865		88		1.41		25,033		89		1.44		24,060		92		1.52
Money market	37,389		220		2.37		35,625		204		2.32		35,264		217		2.45
Time deposits	15,334		135		3.52		15,799		145		3.73		15,725		155		3.92
Total interest-bearing deposits (6)	89,888		447		1.99		88,634		442		2.02		87,069		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		1,207		16		4.93
Long-term borrowings	5,660		77		5.36		6,001		85		5.65		6,025		89		5.80
Total interest-bearing liabilities	95,628		525		2.20		95,013		531		2.27		94,325		572		2.41
Non-interest-bearing deposits (6)	39,556		—		—		39,053		—		—		39,424		—		—
Total funding sources	135,184		525		1.55		134,066		531		1.60		133,749		572		1.70
Net interest spread (2)					2.92						2.75						2.76
Other liabilities	4,403						4,652						4,672
Shareholders’ equity	18,350						18,127						18,042
Noncontrolling interest	37						31						45
	$	157,974					$	156,876					$	156,508
Net interest income/margin FTE basis (2)			$	1,271	3.65 %	%			$	1,206	3.52 %	%			$	1,243	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)    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

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

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

	Twelve Months Ended December 31
	2025						2024
($ amounts in millions; yields on taxable-equivalent basis)	Average Balance		Income/ Expense		Yield/ Rate (1)		Average Balance		Income/ Expense		Yield/ Rate (1)
Assets
Earning assets:
Federal funds sold and securities purchased under agreements to resell	$	1	$	—	4.30 %	%	$	1	$	—	5.25 %	%
Debt securities (2)(3)	32,966		1,145		3.47		31,989		925		2.89
Loans held for sale	562		35		6.28		610		39		6.30
Loans, net of unearned income:
Commercial and industrial (4)	49,150		2,797		5.62		49,834		3,025		6.04
Commercial real estate mortgage—owner-occupied (5)	4,872		249		5.02		4,836		233		4.72
Commercial real estate construction—owner-occupied	280		16		5.80		332		21		6.17
Commercial investor real estate mortgage	6,899		443		6.33		6,538		460		6.92
Commercial investor real estate construction	2,106		150		7.04		2,233		178		7.82
Residential first mortgage	19,948		802		4.02		20,158		777		3.86
Home equity	5,530		363		6.56		5,554		380		6.85
Consumer credit card	1,417		203		14.32		1,351		199		14.75
Other consumer	5,922		489		8.25		6,200		509		8.20
Total loans, net of unearned income	96,124		5,512		5.69		97,036		5,782		5.93
Interest-bearing deposits in other banks	8,294		364		4.39		6,398		344		5.37
Other earning assets	1,481		66		4.49		1,438		68		4.75
Total earning assets	139,428		7,122		5.07		137,472		7,158		5.18
Unrealized gains/(losses) on debt securities available for sale, net (2)	(1,173)						(2,614)
Allowance for loan losses	(1,607)						(1,616)
Cash and due from banks	2,949						2,727
Other non-earning assets	18,421						17,912
	$	158,018					$	153,881
Liabilities and Shareholders’ Equity
Interest-bearing liabilities:
Savings	$	12,099	15		0.12		$	12,332	15		0.12
Interest-bearing checking	24,672		341		1.38		24,090		395		1.64
Money market	37,813		878		2.32		34,586		930		2.69
Time deposits	15,159		532		3.51		15,471		631		4.08
Total interest-bearing deposits (6)	89,743		1,766		1.97		86,479		1,971		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	5,424		299		5.46		4,352		279		6.34
Total interest-bearing liabilities	95,534		2,082		2.18		91,569		2,290		2.50
Non-interest-bearing deposits (6)	39,403		—		—		40,136		—		—
Total funding sources	134,937		2,082		1.54		131,705		2,290		1.73
Net interest spread (2)					2.90						2.68
Other liabilities	4,502						4,653
Shareholders’ equity	18,541						17,484
Noncontrolling interest	38						39
	$	158,018					$	153,881
Net interest income/margin FTE basis (2)			$	5,040	3.61 %	%			$	4,868	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)    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

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

Regions Financial Corporation and Subsidiaries

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
($ amounts in millions)	12/31/2025		9/30/2025		6/30/2025		3/31/2025		12/31/2024		4Q25 vs. 3Q25				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) (1)	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
---	---	---	---	---	---	---	---	---
($ amounts in millions)	2025		2024		2025 vs 2024
Net income available to common shareholders (GAAP)	$	2,061	$	1,774	$	287	16.2 %	%
Preferred dividends and other (GAAP) (1)	95		119		(24)		(20.2)%	%
Income tax expense (GAAP)	587		461		126		27.3 %	%
Income before income taxes (GAAP)	2,743		2,354		389		16.5 %	%
Provision for credit losses (GAAP)	470		487		(17)		(3.5)%	%
Pre-tax pre-provision income (non-GAAP)	3,213		2,841		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 (2)	—		(37)		37		100.0 %	%
Total other adjustments	32		223		(191)		(85.7)%	%
Adjusted pre-tax pre-provision income (non-GAAP)	$	3,245	$	3,064	$	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

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

Non-Interest Income

	Quarter 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
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 (1)	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 (2)	(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
($ amounts in millions)	12/31/2025		9/30/2025		6/30/2025		3/31/2025		12/31/2024		4Q25 vs. 3Q25				4Q25 vs. 4Q24
Consumer Bank Segment (3)	$	101	$	99	$	90	$	96	$	98	$	2	2.0 %	%	$	3	3.1 %	%
Corporate Bank Segment (4)	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
($ amounts in millions)	12/31/2025		9/30/2025		6/30/2025		3/31/2025		12/31/2024		4Q25 vs. 3Q25				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 (5)	$	143	$	139	$	133	$	129	$	126	$	4	2.9 %	%	$	17	13.5 %	%

Capital Markets Income

	Quarter 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
Capital markets income	$	80	$	104	$	83	$	80	$	97	$	(24)	(23.1)%	%	$	(17)	(17.5)%	%
Less: Valuation adjustments on customer derivatives (6)	—		—		(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
($ amounts in millions)	12/31/2025			9/30/2025			6/30/2025			3/31/2025			12/31/2024			4Q25 vs. 3Q25				4Q25 vs. 4Q24
Production and sales	$	17		$	17		$	17		$	13		$	14		$	—	— %	%	$	3	21.4 %	%
Loan servicing	47			47			47			47			48			—		— %	%	(1)		(2.1)%	%
MSR and related hedge impact:
MSRs fair value increase (decrease) due to change in valuation inputs or assumptions	13			1			16			(10)			56			12		NM		(43)		(76.8)%	%
MSRs hedge gain (loss)	(16)			1			(4)			18			(53)			(17)		NM		37		69.8 %	%
MSRs change due to payment decay	(29)			(28)			(28)			(28)			(30)			(1)		(3.6)%	%	1		3.3 %	%
MSR and related hedge impact	(32)			(26)			(16)			(20)			(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			504			516			371			462			(10)		(2.0)%	%	32		6.9 %	%
Total mortgage production	$	957		$	969		$	1,118		$	726		$	875		$	(12)	(1.2)%	%	$	82	9.4 %	%
Mortgage production - purchased	71.7 %		%	81.4 %		%	82.5 %		%	82.9 %		%	82.3 %		%
Mortgage production - refinanced	28.3 %		%	18.6 %		%	17.5 %		%	17.1 %		%	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

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

Non-Interest Income

($ amounts in millions)	Twelve Months Ended				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 (1)	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 (2)	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	$	2,535	$	2,265	$	270	11.9 %	%

Service Charges on Deposit Accounts by Segment

	Twelve Months Ended				Year-to-Date Change 12/31/2025 vs. 12/31/2024
($ amounts in millions)	12/31/2025		12/31/2024		Amount		Percent
Consumer Bank Segment (3)	$	386	$	385	$	1	0.3 %	%
Corporate Bank Segment (4)	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				Year-to-Date Change 12/31/2025 vs. 12/31/2024
($ amounts in millions)	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 (5)	$	544	$	495	$	49	9.9 %	%

Capital Markets Income

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

Mortgage Income

	Twelve Months Ended						Year-to-Date Change 12/31/2025 vs. 12/31/2024
($ amounts in millions)	12/31/2025			12/31/2024			Amount		Percent
Production and sales	$	64		$	70		$	(6)	(8.6)%	%
Loan servicing	188			191			(3)		(1.6)%	%
MSR and related hedge impact:
MSRs fair value increase (decrease) due to change in valuation inputs or assumptions	20			60			(40)		(66.7)%	%
MSRs hedge gain	(1)			(52)			51		98.1 %	%
MSRs change due to payment decay	(113)			(123)			10		8.1 %	%
MSR and related hedge impact	(94)			(115)			21		18.3 %	%
Total mortgage income	$	158		$	146		$	12	8.2 %	%
Mortgage production - portfolio	$	1,885		$	1,763		$	122	6.9 %	%
Mortgage production - agency/secondary market	1,885			1,923			(38)		(2.0)%	%
Total mortgage production	$	3,770		$	3,686		$	84	2.3 %	%
Mortgage production - purchased	79.5 %		%	87.1 %		%
Mortgage production - refinanced	20.5 %		%	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

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

Non-Interest Expense

	Quarter 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
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	$	1,098	$	1,103	$	1,073	$	1,039	$	1,038	$	(5)	(0.5)%	%	$	60	5.8 %	%

Salaries and Benefits Expense

	Quarter 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
Salaries and employee benefits	$	662	$	671	$	658	$	625	$	617	$	(9)	(1.3)%	%	$	45	7.3 %	%
Less: Market value adjustments on 401(k) liabilities (1)	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				Year-to-Date Change 12/31/2025 vs. 12/31/2024
---	---	---	---	---	---	---	---	---
($ amounts in millions)	12/31/2025		12/31/2024		Amount		Percent
Salaries and employee benefits	$	2,616	$	2,529	$	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	$	4,313	$	4,242	$	71	1.7 %	%

Salaries and Benefits Expense

	Twelve Months Ended				Year-to-Date Change 12/31/2025 vs. 12/31/2024
($ amounts in millions)	12/31/2025		12/31/2024		Amount		Percent
Salaries and employee benefits	$	2,616	$	2,529	$	87	3.4 %	%
Less: Market value adjustments on 401(k) liabilities (1)	34		33		1		3.0 %	%
Salaries and employee benefits less market value adjustments on employee benefits liabilities	$	2,582	$	2,496	$	86	3.4 %	%

Regions Financial Corporation and Subsidiaries

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
( amounts in millions)	12/31/2025			9/30/2025			6/30/2025			3/31/2025			12/31/2024			4Q25 vs. 3Q25				4Q25 vs. 4Q24
Non-interest expense (GAAP)	$	1,098		$	1,103		$	1,073		$	1,039		$	1,038		$	(5)	(0.5)%	%	$	60	5.8 %	%
Adjustments:
FDIC insurance special assessment	14			3			1			(1)			2			11		366.7 %	%	12		NM
Branch consolidation, property and equipment charges	—			5			—			—			(1)			(5)		(100.0)%	%	1		100.0 %	%
Salaries and employee benefits—severance charges	—			—			(1)			(1)			(10)			—		NM		10		100.0 %	%
Professional, legal and regulatory expenses	—			—			—			(2)			—			—		NM		—		NM
Adjusted non-interest expense (non-GAAP)	$	1,112		$	1,111		$	1,073		$	1,035		$	1,029		$	1	0.1 %	%	$	83	8.1 %	%
Net interest income (GAAP)	$	1,281		$	1,257		$	1,259		$	1,194		$	1,230		$	24	1.9 %	%	$	51	4.1 %	%
Taxable-equivalent adjustment	13			12			12			12			13			1		8.3 %	%	—		— %	%
Net interest income, taxable-equivalent basis (GAAP)	$	1,294		$	1,269		$	1,271		$	1,206		$	1,243		$	25	2.0 %	%	$	51	4.1 %	%
Non-interest income (GAAP)	$	640		$	659		$	646		$	590		$	585		$	(19)	(2.9)%	%	$	55	9.4 %	%
Adjustments:
Securities (gains) losses, net	—			25			—			25			30			(25)		(100.0)%	%	(30)		(100.0)%	%
Adjusted non-interest income (non-GAAP)	$	640		$	684		$	646		$	615		$	615		$	(44)	(6.4)%	%	$	25	4.1 %	%
Total revenue (GAAP)	$	1,921		$	1,916		$	1,905		$	1,784		$	1,815		$	5	0.3 %	%	$	106	5.8 %	%
Adjusted total revenue (non-GAAP)	$	1,921		$	1,941		$	1,905		$	1,809		$	1,845		$	(20)	(1.0)%	%	$	76	4.1 %	%
Total revenue, taxable-equivalent basis (GAAP)	$	1,934		$	1,928		$	1,917		$	1,796		$	1,828		$	6	0.3 %	%	$	106	5.8 %	%
Adjusted total revenue, taxable-equivalent basis (non-GAAP)	$	1,934		$	1,953		$	1,917		$	1,821		$	1,858		$	(19)	(1.0)%	%	$	76	4.1 %	%
Operating leverage ratio (GAAP) (1)																		0.7 %	%			— %	%
Adjusted operating leverage ratio (non-GAAP) (1)																		(1.1)%	%			(3.9)%	%
Efficiency ratio (GAAP) (1)	56.8 %		%	57.2 %		%	56.0 %		%	57.9 %		%	56.8 %		%
Adjusted efficiency ratio (non-GAAP) (1)	57.5 %		%	56.9 %		%	56.0 %		%	56.8 %		%	55.4 %		%
Fee income ratio (GAAP) (1)	33.1 %		%	34.2 %		%	33.7 %		%	32.9 %		%	32.0 %		%
Adjusted fee income ratio (non-GAAP) (1)	33.1 %		%	35.0 %		%	33.7 %		%	33.8 %		%	33.1 %		%

All values are in US Dollars. ________

NM - Not Meaningful

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

Regions Financial Corporation and Subsidiaries

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
( amounts in millions)	2025			2024			2025 vs. 2024
Non-interest expense (GAAP)	$	4,313		$	4,242		$	71	1.7 %	%
Adjustments:
FDIC insurance special assessment	17			(16)			33		206.3 %	%
Branch consolidation, property and equipment charges	5			(3)			8		266.7 %	%
Salaries and employee benefits—severance charges	(2)			(30)			28		93.3 %	%
Professional, legal and regulatory expenses	(2)			(3)			1		33.3 %	%
Other miscellaneous expenses (1)	—			37			(37)		(100.0)%	%
Adjusted non-interest expense (non-GAAP)	$	4,331		$	4,227		$	104	2.5 %	%
Net interest income (GAAP)	$	4,991		$	4,818		$	173	3.6 %	%
Taxable-equivalent adjustment	49			50			(1)		(2.0)%	%
Net interest income, taxable-equivalent basis	$	5,040		$	4,868		$	172	3.5 %	%
Non-interest income (GAAP)	$	2,535		$	2,265		$	270	11.9 %	%
Adjustments:
Securities (gains) losses, net	50			208			(158)		(76.0)%	%
Adjusted non-interest income (non-GAAP)	$	2,585		$	2,473		$	112	4.5 %	%
Total revenue (GAAP)	$	7,526		$	7,083		$	443	6.3 %	%
Adjusted total revenue (non-GAAP)	$	7,576		$	7,291		$	285	3.9 %	%
Total revenue, taxable-equivalent basis (GAAP)	$	7,575		$	7,133		$	442	6.2 %	%
Adjusted total revenue, taxable-equivalent basis (non-GAAP)	$	7,625		$	7,341		$	284	3.9 %	%
Operating leverage ratio (GAAP) (2)									4.5 %	%
Adjusted operating leverage ratio (non-GAAP) (2)									1.4 %	%
Efficiency ratio (GAAP) (2)	56.9 %		%	59.5 %		%
Adjusted efficiency ratio (non-GAAP) (2)	56.8 %		%	57.6 %		%
Fee income ratio (GAAP) (2)	33.5 %		%	31.8 %		%
Adjusted fee income ratio (non-GAAP) (2)	33.9 %		%	33.7 %		%

All values are in US Dollars. ______

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

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
( amounts in millions)	12/31/2025			9/30/2025			6/30/2025			3/31/2025			12/31/2024			4Q25 vs. 3Q25				4Q25 vs. 4Q24
Net income available to common shareholders (GAAP)	$	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)			(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 (1)	—			—			4			—			—			—		NM		—		NM
Total adjustments	(14)			17			4			29			39			$	(31)	(182.4)%	%	$	(53)	(135.9)%	%
Tax impact of adjusted items (2)	4			(4)			—			(7)			(9)			8		200.0 %	%	13		144.4 %	%
Adjusted net income available to common shareholders (non-GAAP)	$	504		$	561		$	538		$	487		$	538		$	(57)	(10.2)%	%	$	(34)	(6.3)%	%
Weighted-average diluted shares	880			894			900			910			915
Diluted EPS (GAAP) (3)	$	0.58		$	0.61		$	0.59		$	0.51		$	0.56		$	(0.03)	(4.9)%	%	$	0.02	3.6 %	%
Adjusted diluted EPS (non-GAAP) (3)	$	0.57		$	0.63		$	0.60		$	0.54		$	0.59		$	(0.06)	(9.5)%	%	$	(0.02)	(3.4)%	%
Average shareholders' equity (GAAP)	18,986			18,688			18,350			18,127			18,042			298		1.6 %	%	944		5.2 %	%
Less: Average preferred stock (GAAP)	1,369			1,369			1,513			1,715			1,715			—		— %	%	(346)		(20.2)%	%
Average common shareholders' equity (GAAP)	17,617			17,319			16,837			16,412			16,327			298		1.7 %	%	1,290		7.9 %	%
Less:
Average intangible assets (GAAP)	5,876			5,883			5,891			5,899			5,907			(7)		(0.1)%	%	(31)		(0.5)%	%
Average deferred tax liability related to intangibles (GAAP)	(135)			(131)			(127)			(126)			(123)			(4)		(3.1)%	%	(12)		(9.8)%	%
Average tangible common shareholders' equity (non-GAAP)	$	11,876		$	11,567		$	11,073		$	10,639		$	10,543		309		2.7 %	%	1,333		12.6 %	%
Return on average common shareholders' equity (GAAP) (3)*	11.58 %		%	12.56 %		%	12.72 %		%	11.49 %		%	12.39 %		%
Return on average tangible common shareholders' equity (non-GAAP) (3)*	17.17 %		%	18.81 %		%	19.34 %		%	17.72 %		%	19.19 %		%
Adjusted return on average tangible common shareholders' equity (non-GAAP) (3)*	16.84 %		%	19.24 %		%	19.48 %		%	18.58 %		%	20.30 %		%

All values are in US Dollars.

_______

*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

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

	Twelve Months Ended December 31
	2025			2024			2025 vs. 2024
( amounts in millions)
Net income available to common shareholders (GAAP)	$	2,061		$	1,774		$	287	16.2 %	%
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 (1)	—			(37)			37		(100.0)%	%
Preferred stock redemption expense (2)	4			15			(11)		(73.3)%	%
Total adjustments	36			238			(202)		(84.9)%	%
Tax impact of adjusted items (3)	(7)			(60)			53		88.3 %	%
Adjusted net income available to common shareholders (non-GAAP)	2,090			1,952			138		7.1 %	%
Weighted-average diluted shares	896			918			(22)		(2.4)%	%
Diluted EPS (GAAP) (4)	$	2.30		$	1.93		0.37		19.2 %	%
Adjusted diluted EPS (non-GAAP) (4)	$	2.33		$	2.13		0.20		9.4 %	%
Average shareholders' equity (GAAP)	$	18,541		$	17,484		1,057		6.0 %	%
Less: Average preferred stock (GAAP)	1,491			1,693			(202)		(11.9)%	%
Average common shareholders' equity (GAAP)	$	17,050		$	15,791		1,259		8.0 %	%
Less:
Average intangible assets (GAAP)	5,887			5,920			(33)		(0.6)%	%
Average deferred tax liability related to intangibles (GAAP)	(130)			(117)			(13)		(11.1)%	%
Average tangible common shareholders' equity (non-GAAP)	11,293			9,988			1,305		13.1 %	%
Return on average common shareholders' equity (GAAP) (4)	12.09 %		%	11.24 %		%
Return on average tangible common shareholders' equity (non-GAAP) (4)	18.25 %		%	17.77 %		%
Adjusted return on average tangible common shareholders' equity (non-GAAP) (4)	18.51 %		%	19.55 %		%

All values are in US Dollars.

_______

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

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
( 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)	$	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)	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)	$	11,939		$	11,934		$	11,541		$	11,047		$	10,388
Total assets (GAAP)	$	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)	$	153,818		$	154,194		$	153,450		$	154,078		$	151,526
Shares outstanding—end of quarter	868			885			894			899			909
Total equity to total assets (GAAP) (1)	11.94 %		%	11.91 %		%	11.72 %		%	11.59 %		%	11.37 %		%
Tangible common shareholders’ equity to tangible assets (non-GAAP) (1)	7.76 %		%	7.74 %		%	7.52 %		%	7.17 %		%	6.86 %		%
Common book value per share (GAAP) (1)	$	20.36		$	19.98		$	19.35		$	18.70		$	17.77
Tangible common book value per share (non-GAAP) (1)	$	13.75		$	13.49		$	12.91		$	12.29		$	11.42

All values are in US Dollars.

____

(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)	12/31/2025			9/30/2025			6/30/2025			3/31/2025			12/31/2024
CET1 RATIOS
Common equity Tier 1 (1)	$	13,486		$	13,620		$	13,533		$	13,355		$	13,434
Adjustments:
AOCI loss on securities (2)	(1,076)			(1,241)			(1,485)			(1,645)			(2,024)
AOCI 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)	$	12,019		$	11,983		$	11,647		$	11,304		$	11,000
Total risk-weighted assets (1)	$	125,311		$	125,386		$	125,755		$	123,755		$	124,440
Common equity Tier 1 ratio (1)(3)	10.8 %		%	10.9 %		%	10.8 %		%	10.8 %		%	10.8 %		%
Common equity Tier 1 ratio (inclusive of AOCI) (non-GAAP) (1)(3)	9.6 %		%	9.6 %		%	9.3 %		%	9.1 %		%	8.8 %		%

All values are in US Dollars.

____

(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

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

Asset Quality

	As of and for Quarter Ended
($ amounts in millions)	12/31/2025		9/30/2025		6/30/2025		3/31/2025		12/31/2024
Beginning allowance for loan losses (ALL)	$	1,581	$	1,612	$	1,613	$	1,613	$	1,607
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)	1,556		1,581		1,612		1,613		1,613
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	$	1,686	$	1,713	$	1,743	$	1,730	$	1,729

Regions Financial Corporation and Subsidiaries

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

Asset Quality (continued)
	As of and for Quarter Ended
($ amounts in millions)	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 (1):
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 (2)	$	180		$	154		$	171		$	179		$	166
Criticized loans—business (3)	$	3,342		$	3,682		$	4,608		$	4,918		$	4,716
Credit Ratios (1):
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 (2)	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 24 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
($ amounts in millions)	2025			2024
Balance at January 1	$	1,729		$	1,700
Net charge-offs	513			458
Provision for loan losses	456			495
Provision for unfunded credit losses	14			(8)
Balance at December 31	$	1,686		$	1,729
Net loan charge-offs as a % of average loans, annualized (GAAP) (1)	0.53 %		%	0.47 %		%

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

Regions Financial Corporation and Subsidiaries

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

Non-Performing Loans (excludes loans held for sale)

	As of
($ amounts in millions, %'s calculated using whole dollar values)	12/31/2025				9/30/2025				6/30/2025				3/31/2025				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
($ amounts in millions, %'s calculated using whole dollar values)	12/31/2025				9/30/2025				6/30/2025				3/31/2025				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 (1)	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 (1)	281		0.88 %	%	262		0.81 %	%	236		0.73 %	%	242		0.75 %	%	293		0.89 %	%
Total accruing 30-89 days past due loans (1)	$	342	0.36 %	%	$	363	0.38 %	%	$	312	0.32 %	%	$	333	0.35 %	%	$	367	0.38 %	%
Accruing 90+ Days Past Due Loans	As of
($ amounts in millions, %'s calculated using whole dollar values)	12/31/2025				9/30/2025				6/30/2025				3/31/2025				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 (2)	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 (2)	174		0.54 %	%	148		0.46 %	%	151		0.47 %	%	156		0.48 %	%	158		0.48 %	%
Total accruing 90+ days past due loans (2)	$	180	0.19 %	%	$	154	0.16 %	%	$	171	0.18 %	%	$	179	0.19 %	%	$	166	0.17 %	%
Total delinquencies (1) (2)	$	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

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:

•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.

•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.

Regions Financial Corporation and Subsidiaries

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

•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.

•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.

26

rf-20251231xexhibit993

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

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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

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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

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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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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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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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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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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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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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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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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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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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Internal Use Appendix

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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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