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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
  FORM 8-K
 CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(D) OF
THE SECURITIES EXCHANGE ACT OF 1934
Date of Report (Date of earliest event reported): October 17, 2025
 REGIONS FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
Delaware 001-34034 63-0589368
(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)
1900 Fifth Avenue North
Birmingham, Alabama 35203
(Address, including zip code, of principal executive office)
Registrant’s telephone number, including area code: (800) 734-4667
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered
Common Stock, $.01 par valueRFNew York Stock Exchange
Depositary Shares, each representing a 1/40th Interest in a Share of
5.700% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series CRF PRCNew York Stock Exchange
Depositary Shares, each representing a 1/40th Interest in a Share of
4.45% Non-Cumulative Perpetual Preferred Stock, Series ERF PRENew York Stock Exchange
Depositary Shares, each representing a 1/40th Interest in a Share of
Non-Cumulative Perpetual Preferred Stock, Series FRF PRFNew York Stock Exchange
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨


Item 2.02    Results of Operations and Financial Condition.
    
On October 17, 2025, Regions Financial Corporation (“Regions”) issued a press release announcing its preliminary results of operations for the quarter ended September 30, 2025. A copy of the press release is attached hereto as Exhibit 99.1. Supplemental financial information for the quarter ended September 30, 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 October 17, 2025, executives from Regions will review its preliminary results of operations for the quarter ended September 30, 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 October 17, 2025.
99.2  
Supplemental Financial Information for the Quarter Ended September 30, 2025.
99.3  
Visual Presentation of October 17, 2025.
104Cover Page Interactive Data (embedded within the Inline XBRL document).






SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 
                                
REGIONS FINANCIAL CORPORATION
By: /s/ Karin K. Allen
Name: Karin K. Allen
Title: Executive Vice President and Assistant Controller (Chief Accounting Officer and Authorized Officer)
Date: October 17, 2025







Exhibit 99.1
rflogoa.jpg

Regions Reports Solid Third Quarter Results,
New Records in Wealth and Capital Markets Performance
$1.9 billion in total revenue reflects 7 percent year-over-year growth.

BIRMINGHAM, Ala. - (BUSINESS WIRE) - Oct. 17, 2025 - Regions Financial Corp. (NYSE:RF) today reported third quarter 2025 earnings of $548 million and diluted EPS of $0.61. Adjusted earnings were $561 million, an 8 percent increase year-over-year, and adjusted EPS of $0.63, up 11 percent.
Financial HighlightsSoundness
Quarter Ended
    
•Robust capital with CET1 of 10.8% supported by strong organic capital generation

•Business services criticized loans decreased ~$1B or 20% while NPL balances declined 2%; ACL/NPLs increased to 226%

•Low-cost deposit base continues to deliver peer-leading interest-bearing deposit costs of 2.01%
($ amounts in millions, except per share data)
9/30/20256/30/20259/30/2024
Earnings Summary
Net income$569 $563 $490 
Net income available to common shareholders548 534 446 
Adj. net income avail. to common shareholders(1)
561 538 520 
Diluted earnings per common share0.61 0.59 0.49 
Adj. diluted earnings per common share(1)
0.63 0.60 0.57 Profitability
Balance Sheet Summary
    
•Best-in-class hedging program creates a mostly neutral interest rate position and supports a top-quartile 3Q25 NIM of 3.59%

•Regions remains on target to generate peer-leading ROATCE again in 2025 representing the 5th consecutive year

•Expenses remain well-controlled and supports self-funding of core modernization and growth initiatives
Average loans$96,647 $96,077 $97,040 
Average deposits129,575 129,444 125,950 
Credit Quality
Allowance for credit losses ratio
1.78 %1.80 %1.79 %
Net charge-offs / average loans*
0.55 0.47 0.48 
Selected Ratios
Return on average assets*
1.42 %1.43 %1.26 %Growth
Return on average common equity*
12.56 12.72 10.88 
    
•Continuing to grow accounts across consumer checking, small business and wealth management

•Wealth Management marked its 3rd consecutive record fee quarter, alongside new record performance in Capital Markets (excl. customer derivative valuation adjustments)

•Hiring and reskilling of bankers to support growth initiatives remains on track
Return on avg. tangible common equity*(1)
18.81 19.34 16.87 
Adj. return on avg. tangible common equity*(1)
19.24 19.48 19.68 
Net interest margin (FTE)*
3.59 3.65 3.54 
Efficiency ratio57.2 56.0 59.3 
Adjusted efficiency ratio(1)
56.9 56.0 56.9 
Common equity Tier 1 ratio10.8 10.8 10.6 
Adj. common equity Tier 1 ratio(1)
9.5 9.3 9.1 
*Annualized
(1) Non-GAAP; refer to reconciliations in the financial supplement to this earnings release included as Exhibit 99.2 to the company's Current Report on Form 8-K that was furnished to the SEC on Oct. 17, 2025.
John Turner, Chairman, President and CEO of Regions Financial Corp.
"Our third quarter results highlight the strength of our franchise and the impact of disciplined execution across our businesses. We grew average deposits, expanded client relationships, and delivered another record quarter in Wealth Management and Capital Markets, while Treasury Management remains strong. The Regions brand remains a steady, growing presence across dynamic markets in the Southeast, Texas and the Midwest, backed by experienced teams, investments in technology, and a long-standing commitment to our communities. These strengths position us to compete and win, with momentum building into 2026 as we continue delivering long-term value for our shareholders."
Investor Relations Contact: Dana Nolan (205) 264-7040 | Media Contact: Jeremy King (205) 264-4551






Total revenue
Quarter Ended
($ amounts in millions)9/30/20256/30/20259/30/20243Q25 vs. 2Q253Q25 vs. 3Q24
Net interest income$1,257 $1,259 $1,218 $(2)(0.2)%$39 3.2 %
Taxable equivalent adjustment12 12 12 — — %— — %
Net interest income, taxable equivalent basis$1,269 $1,271 $1,230 $(2)(0.2)%$39 3.2 %
Net interest margin (FTE)*
3.59 %3.65 %3.54 %
Non-interest income:
Service charges on deposit accounts$160 $151 $158 $9 6.0 %$2 1.3 %
Card and ATM fees122 125 118 (3)(2.4)%4 3.4 %
Wealth management income139 133 128 6 4.5 %11 8.6 %
Capital markets income104 83 92 21 25.3 %12 13.0 %
Mortgage income38 48 36 (10)(20.8)%2 5.6 %
Commercial credit fee income28 29 28 (1)(3.4)%— — %
Bank-owned life insurance25 24 28 1 4.2 %(3)(10.7)%
Market value adjustments on employee benefit assets**
12 16 13 (4)(25.0)%(1)(7.7)%
Securities gains (losses), net(27)(1)(78)(26)NM51 65.4 %
Other miscellaneous income58 38 49 20 52.6 %9 18.4 %
Non-interest income$659 $646 $572 $13 2.0 %$87 15.2 %
Adjusted non-interest income (non-GAAP)(1)
$684 $646 $650 $38 5.9 %$34 5.2 %
Total revenue$1,916 $1,905 $1,790 $11 0.6 %$126 7.0 %
Adjusted total revenue (non-GAAP)(1)
$1,941 $1,905 $1,868 $36 1.9 %$73 3.9 %
NM - Not Meaningful
* Annualized
** These market value adjustments relate to assets held for employee and director benefits that are offset within salaries and employee benefits and other non-interest expense.

Total revenue increased 1 percent on a reported basis and increased 2 percent on an adjusted basis(1) compared to the second quarter of 2025. Net interest income remained stable as the benefits of new fixed-rate asset originations and reinvestments, as well as one additional day in the quarter, were offset by nonrecurring beneficial items that occurred in the prior quarter that did not repeat. Total net interest margin was also negatively impacted by the additional day and cash balances that remained elevated during the quarter, ultimately contributing to an 6 basis point decline to 3.59 percent.

2

Non-interest income increased 2 percent on a reported basis and 6 percent on an adjusted basis(1) compared to the second quarter of 2025. Capital markets income excluding valuation adjustments on customer derivatives increased 22 percent, representing a new quarterly record. The linked-quarter increase was attributable to higher merger and acquisition advisory services, commercial swaps sales, loan syndications, and securities underwriting income. Service charges increased 6 percent due primarily to increased account openings, seasonally higher activity, and one additional business day in the quarter. Wealth management income increased 5 percent and represented another record quarter, driven primarily by elevated sales activity and favorable market conditions. Other miscellaneous income also increased during the quarter attributable primarily to gains from the sale of certain low income housing tax credit investments, small business investment company income and a gain on the sale of certain commercial leasing equipment. Partially offsetting these gains were reductions in mortgage income and card and ATM fees. Adjusted items during the quarter include the company's execution of a strategic securities repositioning resulting in a $25 million loss.

Non-interest expense
Quarter Ended
($ amounts in millions)9/30/20256/30/20259/30/20243Q25 vs. 2Q253Q25 vs. 3Q24
Salaries and employee benefits$671 $658 $645 $13 2.0 %$26 4.0 %
Equipment and software expense106 104 101 2 1.9 %5 5.0 %
Net occupancy expense72 72 69 — — %3 4.3 %
Outside services42 39 41 3 7.7 %1 2.4 %
Marketing28 26 28 2 7.7 %— — %
Professional, legal and regulatory expenses30 28 21 2 7.1 %9 42.9 %
Credit/checkcard expenses15 16 14 (1)(6.3)%1 7.1 %
FDIC insurance assessments15 20 17 (5)(25.0)%(2)(11.8)%
Visa class B shares expense8 4 17 4 100.0 %(9)(52.9)%
Operational losses
18 13 19 5 38.5 %(1)(5.3)%
Branch consolidation, property and equipment charges(5)— — (5)NM(5)NM
Other miscellaneous expenses
103 93 97 10 10.8 %6 6.2 %
Non-interest expense
$1,103 $1,073 $1,069 $30 2.8 %$34 3.2 %
Adjusted non-interest expense (non-GAAP)(1)
$1,111 $1,073 $1,069 $38 3.5 %$42 3.9 %

Salaries and Benefits Expense
Quarter Ended
($ amounts in millions)9/30/20256/30/20259/30/20243Q25 vs. 2Q253Q25 vs. 3Q24
Salaries and employee benefits$671 $658 $645 $13 2.0 %$26 4.0 %
Less: Market value adjustments on 401(k) liabilities*
13 16 12 (3)(18.8)%1 8.3 %
Salaries and employee benefits less market value adjustments on employee benefit liabilities$658 $642 $633 $16 2.5 %$25 3.9 %
NM - Not Meaningful
* The company holds assets in order to offset the market value adjustments on 401(k) liabilities and the market value adjustments on those assets are recorded in non-interest income.

Non-interest expense increased 3 percent on a reported basis and 4 percent on an adjusted basis(1) compared to the second quarter of 2025. As expected, salaries and benefits increased 2 percent, driven primarily by one additional work day in the
3

quarter, increased revenue-based incentive compensation associated with elevated capital markets revenue, and further progress on growth initiative-related hires. Visa class B shares expense also increased during the quarter reflecting the company's proportional share of Visa's recent escrow funding announcement.

The company's third quarter efficiency ratio was 57.2 percent on a reported basis and 56.9 percent on an adjusted basis(1), and the effective tax rate was 19.7 percent.

Loans
Average Balances
($ amounts in millions)3Q252Q253Q243Q25 vs. 2Q253Q25 vs. 3Q24
Commercial and industrial$49,588 $49,033 $49,847 $555 1.1 %$(259)(0.5)%
Commercial real estate—owner-occupied5,134 5,170 5,212 (36)(0.7)%(78)(1.5)%
Investor real estate9,138 9,009 8,759 129 1.4 %379 4.3%
Business Lending63,860 63,212 63,818 648 1.0 %42 0.1%
Residential first mortgage19,944 19,992 20,147 (48)(0.2)%(203)(1.0)%
Home equity5,538 5,525 5,530 13 0.2 %8 0.1%
Consumer credit card1,420 1,397 1,359 23 1.6 %61 4.5%
Other consumer*5,885 5,951 6,186 (66)(1.1)%(301)(4.9)%
Consumer Lending32,787 32,865 33,222 (78)(0.2)%(435)(1.3)%
Total Loans$96,647 $96,077 $97,040 $570 0.6 %$(393)(0.4)%

Ending Balances
9/30/20259/30/2025
($ amounts in millions)9/30/20256/30/20259/30/2024 vs. 6/30/2025 vs. 9/30/2024
Commercial and industrial$49,234 $49,586 $49,565 $(352)(0.7)%$(331)(0.7)%
Commercial real estate—owner-occupied5,120 5,165 5,214 (45)(0.9)%(94)(1.8)%
Investor real estate9,070 9,098 8,812 (28)(0.3)%258 2.9%
Business Lending63,424 63,849 63,591 (425)(0.7)%(167)(0.3)%
Residential first mortgage19,881 20,020 20,125 (139)(0.7)%(244)(1.2)%
Home equity5,549 5,536 5,534 13 0.2 %15 0.3%
Consumer credit card1,437 1,415 1,372 22 1.6 %65 4.7%
Other consumer*5,834 5,903 6,167 (69)(1.2)%(333)(5.4)%
Consumer Lending32,701 32,874 33,198 (173)(0.5)%(497)(1.5)%
Total Loans$96,125 $96,723 $96,789 $(598)(0.6)%$(664)(0.7)%
NM - Not meaningful.
*    Other consumer loans includes Regions' Home Improvement Financing portfolio.

Average loans increased approximately 1 percent compared to the prior quarter, while total ending loans decreased approximately 1 percent. Average business loans grew 1 percent during the quarter, while average consumer loans decreased slightly. Growth in average business lending was attributable primarily to sequential growth in financial
4

services, government and public sectors, commercial durable goods manufacturing, and utilities within commercial and industrial loans, along with a modest increase in commercial real estate loans.
Deposits
Average Balances
($ amounts in millions)3Q252Q253Q243Q25 vs. 2Q253Q25 vs. 3Q24
Total interest-bearing deposits$90,037 $89,888 $86,260 $149 0.2%$3,777 4.4%
Non-interest-bearing deposits39,538 39,556 39,690 (18)—%(152)(0.4)%
Total Deposits$129,575 $129,444 $125,950 $131 0.1%$3,625 2.9%
($ amounts in millions)3Q252Q253Q243Q25 vs. 2Q253Q25 vs. 3Q24
Consumer Bank Segment$79,698 $79,912 $78,904 $(214)(0.3)%$794 1.0%
Corporate Bank Segment39,733 39,234 36,867 499 1.3%2,866 7.8%
Wealth Management Segment7,262 7,324 7,374 (62)(0.8)%(112)(1.5)%
Other2,882 2,974 2,805 (92)(3.1)%77 2.7%
Total Deposits$129,575 $129,444 $125,950 $131 0.1%$3,625 2.9%

End of Period Deposits
9/30/20259/30/2025
($ amounts in millions)9/30/20256/30/20259/30/2024 vs. 6/30/2025 vs. 9/30/2024
Consumer Bank Segment$79,689 $79,953 $78,858 $(264)(0.3)%$831 1.1%
Corporate Bank Segment40,415 40,101 36,955 314 0.8%3,460 9.4%
Wealth Management Segment7,654 7,352 7,520 302 4.1%134 1.8%
Other2,576 3,513 3,043 (937)(26.7)%(467)(15.3)%
Total Deposits$130,334 $130,919 $126,376 $(585)(0.4)%$3,958 3.1%
NM - Not meaningful.

The company believes its 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 remained roughly flat, which is slightly ahead of typical seasonal trends, while average commercial deposits continued to exhibit strength primarily across money market and interest-bearing checking.
5

Asset quality
As of and for the Quarter Ended
($ amounts in millions)9/30/20256/30/20259/30/2024
Allowance for credit losses (ACL) at period end$1,713$1,743$1,728
ACL/Loans, net1.78%1.80%1.79%
Allowance for credit losses to non-performing loans, excluding loans held for sale226%225%210%
Provision for credit losses$105$126$113
Net loans charged-off$135$113$117
Net loans charged-off as a % of average loans, annualized0.55%0.47%0.48%
Non-performing loans, excluding loans held for sale/Loans, net0.79%0.80%0.85%
NPAs (ex. 90+ past due)/Loans, foreclosed properties, and non-performing loans held for sale0.82%0.84%0.87%
NPAs (inc. 90+ past due)/Loans, foreclosed properties, and non-performing loans held for sale*0.98%1.01%1.06%
Total Criticized Loans—Business Services**
$3,682$4,608$4,692
* Excludes 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 remained stable to improving during the most recent quarter. Net charge-offs were $135 million or an annualized 55 basis points of average loans during the third quarter, representing an 8 basis point increase compared to the second quarter. The majority of business services charges came from previously identified portfolios of interest which were already reserved for. Business services criticized loans improved significantly during the quarter, decreasing almost $1 billion, or 20 percent, while non-performing loans decreased 2 percent with the ratio of non-performing loans as a percentage of total loans declining 1 basis point to 79 basis points.

As a result of the significant improvement in business services criticized loans and the overall decline in non-performing loans, as well as solid progress made on resolutions within certain previously identified portfolios of interest, the company's allowance for credit losses decreased $30 million over the prior quarter. The allowance for credit losses ratio decreased 2 basis points to 1.78 percent, while the allowance for credit losses as a percentage of non-performing loans increased to 226 percent compared to the second quarter.
    
6

Capital and liquidity
As of and for Quarter Ended
9/30/20256/30/20259/30/2024
Common Equity Tier 1 ratio(2)
10.8%10.8%10.6%
Tier 1 capital ratio(2)
11.9%11.9%12.0%
Total shareholders' equity to total assets11.91%11.72%11.86%
Tangible common shareholders’ equity to tangible assets (non-GAAP)(1)
7.74%7.52%7.37%
Common book value per share$19.98$19.35$18.62
Tangible common book value per share (non-GAAP)(1)
$13.49$12.91$12.26
Loans, net of unearned income, to total deposits73.8%73.9%76.6%

Regions maintained a solid capital position in the third quarter with estimated capital ratios remaining well above current regulatory requirements. At quarter-end, the Common Equity Tier 1(2) and Tier 1 capital(2) ratios were estimated at 10.8 percent and 11.9 percent respectively.

Tangible common book value per share(1) ended the quarter at $13.49, a 4 percent increase quarter-over-quarter and a 10 percent increase year-over-year.

During the third quarter, the company repurchased approximately 10 million shares of common stock for a total of $251 million through open-market purchases and declared $235 million in dividends to common shareholders.

The company's liquidity position also remained robust with total available liquidity as of Sept. 30, 2025, of approximately $69 billion, which includes cash held at the Federal Reserve, FHLB borrowing capacity, unencumbered securities, and capacity at the Federal Reserve's facilities such as the Discount Window or Standing Repo Facility. These sources are sufficient to cover uninsured deposits at a ratio of approximately 181 percent as of quarter-end (excluding intercompany and secured deposits).

(1) Non-GAAP; refer to reconciliations on pages 13, 17, 18, 19 and 20 of the financial supplement to this earnings release included as Exhibit 99.2 to the company's Current Report on Form 8-K that was furnished to the Securities and Exchange Commission on Oct. 17, 2025.
(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 third quarter 2025 results on Oct. 17, 2025 at 10 a.m. ET. To access this live audio webcast, visit the 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 1,850 ATMs. Regions Bank is an Equal
7

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 and expressions 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, 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 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
8

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 U.S. presidential administration, 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.
9



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), adjusted common equity Tier 1 ratio (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 Oct. 17, 2025, for reconciliations of and additional information regarding the company's non-GAAP financial measures.

10



Exhibit 99.2

regionslogob22.jpg
Regions Financial Corporation and Subsidiaries
Financial Supplement (unaudited)
Third Quarter 2025





Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third Quarter 2025 Earnings Release

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

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

Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third Quarter 2025 Earnings Release
Financial Highlights
Quarter Ended
($ amounts in millions, except per share data)9/30/20256/30/20253/31/202512/31/20249/30/2024
Earnings Summary
Interest income - taxable equivalent$1,808 $1,796 $1,737 $1,815 $1,832 
Interest expense - taxable equivalent539 525 531 572 602 
Net interest income - taxable equivalent1,269 1,271 1,206 1,243 1,230 
Less: Taxable-equivalent adjustment12 12 12 13 12 
Net interest income 1,257 1,259 1,194 1,230 1,218 
Provision for credit losses105 126 124 120 113 
Net interest income after provision for credit losses1,152 1,133 1,070 1,110 1,105 
Non-interest income659 646 590 585 572 
Non-interest expense1,103 1,073 1,039 1,038 1,069 
Income before income taxes708 706 621 657 608 
Income tax expense139 143 131 123 118 
Net income$569 $563 $490 $534 $490 
Net income available to common shareholders$548 $534 $465 $508 $446 
Adjusted net income available to common shareholders (non-GAAP) (1)
$561 $538 $487 $538 $520 
Weighted-average shares outstanding—during quarter:
Basic890 898 906 911 914 
Diluted894 900 910 915 918 
Basic earnings per common share $0.62 $0.59 $0.51 $0.56 $0.49 
Diluted earnings per common share $0.61 $0.59 $0.51 $0.56 $0.49 
Adjusted diluted earnings per common share (non-GAAP) (1)
$0.63 $0.60 $0.54 $0.59 $0.57 
Balance Sheet Summary
At quarter-end
Loans, net of unearned income$96,125 $96,723 $95,733 $96,727 $96,789 
Allowance for credit losses(1,713 )(1,743 )(1,730 )(1,729 )(1,728 )
Assets159,940 159,206 159,846 157,302 157,426 
Deposits130,334 130,919 130,971 127,603 126,376 
Long-term borrowings4,785 5,279 6,019 5,993 6,016 
Shareholders' equity19,049 18,666 18,530 17,879 18,676 
Average balances
Loans, net of unearned income$96,647 $96,077 $96,122 $96,408 $97,040 
Assets159,089 157,974 156,876 156,508 154,667 
Deposits129,575 129,444 127,687 126,493 125,950 
Long-term borrowings5,527 5,660 6,001 6,025 5,351 
Shareholders' equity18,688 18,350 18,127 18,042 18,047 
_____
(1) See reconciliation of these non-GAAP measures to the most directly comparable GAAP measures on page 19.



1
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third Quarter 2025 Earnings Release
Selected Ratios and Other Information
As of and for Quarter Ended
 9/30/20256/30/20253/31/202512/31/20249/30/2024
Return on average assets* (1)
1.42 %1.43 %1.27 %1.36 %1.26 %
Return on average common shareholders' equity*12.56 %12.72 %11.49 %12.39 %10.88 %
Return on average tangible common shareholders’ equity (non-GAAP)* (2)
18.81 %19.34 %17.72 %19.19 %16.87 %
Adjusted return on average tangible common shareholders' equity (non-GAAP) *(2)
19.24 %19.48 %18.58 %20.30 %19.68 %
Efficiency ratio57.2 %56.0 %57.9 %56.8 %59.3 %
Adjusted efficiency ratio (non-GAAP) (2)
56.9 %56.0 %56.8 %55.4 %56.9 %
Dividend payout ratio (3)
43.0 %42.0 %48.6 %44.7 %51.3 %
Common book value per share$19.98 $19.35 $18.70 $17.77 $18.62 
Tangible common book value per share (non-GAAP) (2)
$13.49 $12.91 $12.29 $11.42 $12.26 
Total shareholders' equity to total assets11.91 %11.72 %11.59 %11.37 %11.86 %
Tangible common shareholders’ equity to tangible assets (non-GAAP) (2)
7.74 %7.52 %7.17 %6.86 %7.37 %
Common equity Tier 1 (4)
$13,620$13,533 $13,355 $13,434 $13,185 
Total risk-weighted assets (4)
$126,060$125,755 $123,755 $124,440 $124,645 
Common equity Tier 1 ratio (4)
10.8 %10.8 %10.8 %10.8 %10.6 %
Adjusted common equity Tier 1 ratio (non-GAAP) (2)(4)
9.5 %9.3 %9.1 %8.8 %9.1 %
Tier 1 capital ratio (4)
11.9 %11.9 %12.2 %12.2 %12.0 %
Total risk-based capital ratio (4)
13.8 %13.7 %14.1 %14.1 %13.9 %
Leverage ratio (4)
9.7 %9.7 %9.8 %9.9 %9.8 %
Effective tax rate 19.7 %20.3 %21.1 %18.9 %19.4 %
Allowance for credit losses as a percentage of loans, net of unearned income1.78 %1.80 %1.81 %1.79 %1.79 %
Allowance for credit losses to non-performing loans, excluding loans held for sale 226 %225 %205 %186 %210 %
Net interest margin (FTE)* 3.59 %3.65 %3.52 %3.55 %3.54 %
Loans, net of unearned income, to total deposits73.8 %73.9 %73.1 %75.8 %76.6 %
Net charge-offs as a percentage of average loans*0.55 %0.47 %0.52 %0.49 %0.48 %
Non-performing loans, excluding loans held for sale, as a percentage of loans0.79 %0.80 %0.88 %0.96 %0.85 %
Non-performing assets (excluding loans 90 days past due) as a percentage of loans, foreclosed properties, and non-performing loans held for sale0.82 %0.84 %0.92 %0.97 %0.87 %
Non-performing assets (including loans 90 days past due) as a percentage of loans, foreclosed properties, and non-performing loans held for sale (5)
0.98 %1.01 %1.11 %1.15 %1.06 %
Associate headcount—full-time equivalent 19,675 19,642 19,541 19,644 19,560 
ATMs 1,874 1,996 2,008 2,011 2,019 
Branch Statistics
Full service1,223 1,224 1,224 1,227 1,235 
Drive-through/transaction service only25 26 25 26 26 
Total branch outlets1,248 1,250 1,249 1,253 1,261 
*Annualized
(1)Calculated by dividing net income by average assets.
(2)See reconciliation of these non-GAAP measures to the most directly comparable GAAP measures on pages 13, 17, 19, and 20.
(3)Dividend payout ratio reflects dividends declared within the applicable period.
(4)Current quarter Common equity Tier 1 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 23 for amounts related to these loans.

2
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third Quarter 2025 Earnings Release
Consolidated Balance Sheets
As of
($ amounts in millions)9/30/20256/30/20253/31/202512/31/20249/30/2024
Assets:
Cash and due from banks$3,073 $3,245 $3,287 $2,893 $2,665 
Interest-bearing deposits in other banks9,026 7,930 11,029 7,819 7,856 
Debt securities held to maturity5,769 5,972 5,195 4,427 2,787 
Debt securities available for sale26,886 26,333 25,942 26,224 28,698 
Loans held for sale573 594 345 594 522 
Loans, net of unearned income 96,125 96,723 95,733 96,727 96,789 
Allowance for loan losses
(1,581)(1,612)(1,613)(1,613)(1,607)
Net loans94,544 95,111 94,120 95,114 95,182 
Other earning assets1,513 1,682 1,412 1,616 1,625 
Premises and equipment, net1,742 1,755 1,726 1,673 1,648 
Interest receivable574 574 583 572 596 
Goodwill5,733 5,733 5,733 5,733 5,733 
Residential mortgage servicing rights at fair value (MSRs)976 988 979 1,007 971 
Other identifiable intangible assets, net146 153 161 169 178 
Other assets9,385 9,136 9,334 9,461 8,965 
Total assets$159,940 $159,206 $159,846 $157,302 $157,426 
Liabilities and Equity:
Deposits:
Non-interest-bearing$39,768 $40,209 $40,443 $39,138 $39,698 
Interest-bearing90,566 90,710 90,528 88,465 86,678 
Total deposits130,334 130,919 130,971 127,603 126,376 
Borrowed funds:
Short-term borrowings1,300 — — 500 1,500 
Long-term borrowings4,785 5,279 6,019 5,993 6,016 
Other liabilities4,426 4,302 4,289 5,296 4,807 
Total liabilities140,845 140,500 141,279 139,392 138,699 
Equity:
Preferred stock, non-cumulative perpetual1,369 1,369 1,715 1,715 1,715 
Common stock9 9 9 9 10 
Additional paid-in capital10,780 11,017 11,161 11,394 11,438 
Retained earnings9,922 9,609 9,299 9,060 8,778 
Treasury stock, at cost(1,371)(1,371)(1,371)(1,371)(1,371)
Accumulated other comprehensive income (loss), net(1,660)(1,967)(2,283)(2,928)(1,894)
Total shareholders’ equity19,049 18,666 18,530 17,879 18,676 
Noncontrolling interest
46 40 37 31 51 
Total equity
19,095 18,706 18,567 17,910 18,727 
Total liabilities and equity$159,940 $159,206 $159,846 $157,302 $157,426 







3
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third Quarter 2025 Earnings Release
End of Period Loans
As of
    9/30/20259/30/2025
($ amounts in millions)9/30/20256/30/20253/31/202512/31/20249/30/2024 vs. 6/30/2025 vs. 9/30/2024
Commercial and industrial$49,234 $49,586 $48,879 $49,671 $49,565 $(352)(0.7)%$(331)(0.7)%
Commercial real estate mortgage—owner-occupied4,835 4,890 4,849 4,841 4,873 (55)(1.1)%(38)(0.8)%
Commercial real estate construction—owner-occupied285 275 316 333 341 10 3.6 %(56)(16.4)%
Total commercial54,354 54,751 54,044 54,845 54,779 (397)(0.7)%(425)(0.8)%
Commercial investor real estate mortgage 7,122 6,949 6,376 6,567 6,562 173 2.5 %560 8.5 %
Commercial investor real estate construction1,948 2,149 2,457 2,143 2,250 (201)(9.4)%(302)(13.4)%
Total investor real estate9,070 9,098 8,833 8,710 8,812 (28)(0.3)%258 2.9 %
Total business63,424 63,849 62,877 63,555 63,591 (425)(0.7)%(167)(0.3)%
Residential first mortgage19,881 20,020 20,000 20,094 20,125 (139)(0.7)%(244)(1.2)%
Home equity—lines of credit (1)
3,209 3,184 3,130 3,150 3,130 25 0.8 %79 2.5 %
Home equity—closed-end (2)
2,340 2,352 2,371 2,390 2,404 (12)(0.5)%(64)(2.7)%
Consumer credit card1,437 1,415 1,384 1,445 1,372 22 1.6 %65 4.7 %
Other consumer (3)(4)
5,834 5,903 5,971 6,093 6,167 (69)(1.2)%(333)(5.4)%
Total consumer32,701 32,874 32,856 33,172 33,198 (173)(0.5)%(497)(1.5)%
Total Loans$96,125 $96,723 $95,733 $96,727 $96,789 $(598)(0.6)%$(664)(0.7)%
______
(1)     The balance of Regions' home equity lines of credit consists of $1,416 million of first lien and $1,793 million of second lien at 9/30/2025.
(2)    The balance of Regions' closed-end home equity loans consists of $1,786 million of first lien and $554 million of second lien at 9/30/2025.
(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 $5.0 billion at 9/30/2025, $5.0 billion at 6/30/2025, $5.1 billion at 3/31/2025, $5.2 billion at 12/31/2024 and $5.2 billion at 9/30/2024.

As of
End of Period Loans by Percentage(1)
9/30/20256/30/20253/31/202512/31/20249/30/2024
Commercial and industrial51.2 %51.3 %51.1 %51.4 %51.2 %
Commercial real estate mortgage—owner-occupied5.0 %5.1 %5.1 %5.0 %5.0 %
Commercial real estate construction—owner-occupied0.3 %0.3 %0.3 %0.3 %0.4 %
Total commercial56.5 %56.6 %56.5 %56.7 %56.6 %
Commercial investor real estate mortgage7.4 %7.2 %6.7 %6.8 %6.8 %
Commercial investor real estate construction2.0 %2.2 %2.6 %2.2 %2.3 %
Total investor real estate9.4 %9.4 %9.2 %9.0 %9.1 %
Total business66.0 %66.0 %65.7 %65.7 %65.7 %
Residential first mortgage20.7 %20.7 %20.9 %20.8 %20.8 %
Home equity—lines of credit 3.3 %3.3 %3.3 %3.3 %3.2 %
Home equity—closed-end 2.4 %2.4 %2.5 %2.5 %2.5 %
Consumer credit card1.5 %1.5 %1.4 %1.5 %1.4 %
Other consumer6.1 %6.1 %6.2 %6.3 %6.4 %
Total consumer34.0 %34.0 %34.3 %34.3 %34.3 %
Total Loans100.0 %100.0 %100.0 %100.0 %100.0 %
(1)Amounts have been calculated using whole dollar values, and therefore such amounts may not add to total amounts.

4
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third Quarter 2025 Earnings Release
Average Balances of Loans
 Average Balances
($ amounts in millions)3Q252Q251Q254Q243Q243Q25 vs. 2Q253Q25 vs. 3Q24
Commercial and industrial$49,588 $49,033 $49,209 $49,357 $49,847 $555 1.1 %$(259)(0.5)%
Commercial real estate mortgage—owner-occupied4,860 4,900 4,863 4,869 4,877 (40)(0.8)%(17)(0.3)%
Commercial real estate construction—owner-occupied274 270 317 343 335 4 1.5 %(61)(18.2)%
Total commercial54,722 54,203 54,389 54,569 55,059 519 1.0 %(337)(0.6)%
Commercial investor real estate mortgage7,087 6,805 6,484 6,491 6,495 282 4.1 %592 9.1 %
Commercial investor real estate construction2,051 2,204 2,267 2,165 2,264 (153)(6.9)%(213)(9.4)%
Total investor real estate9,138 9,009 8,751 8,656 8,759 129 1.4 %379 4.3 %
Total business 63,860 63,212 63,140 63,225 63,818 648 1.0 %42 0.1 %
Residential first mortgage19,944 19,992 20,037 20,107 20,147 (48)(0.2)%(203)(1.0)%
Home equity—lines of credit3,197 3,168 3,135 3,135 3,128 29 0.9 %69 2.2 %
Home equity—closed-end2,341 2,357 2,374 2,392 2,402 (16)(0.7)%(61)(2.5)%
Consumer credit card1,420 1,397 1,394 1,398 1,359 23 1.6 %61 4.5 %
Other consumer (1)(2)
5,885 5,951 6,042 6,151 6,186 (66)(1.1)%(301)(4.9)%
Total consumer32,787 32,865 32,982 33,183 33,222 (78)(0.2)%(435)(1.3)%
Total Loans$96,647 $96,077 $96,122 $96,408 $97,040 $570 0.6 %$(393)(0.4)%
Average Balances
Nine Months Ended September 30
($ amounts in millions)202520242025 vs. 2024
Commercial and industrial$49,278 $49,994 $(716)(1.4)%
Commercial real estate mortgage—owner-occupied4,874 4,825 49 1.0 %
Commercial real estate construction—owner-occupied287 328 (41)(12.5)%
Total commercial54,439 55,147 (708)(1.3)%
Commercial investor real estate mortgage6,794 6,554 240 3.7 %
Commercial investor real estate construction2,173 2,256 (83)(3.7)%
Total investor real estate8,967 8,810 157 1.8 %
Total business 63,406 63,957 (551)(0.9)%
Residential first mortgage19,991 20,175 (184)(0.9)%
Home equity—lines of credit3,167 3,151 16 0.5 %
Home equity—closed-end2,357 2,413 (56)(2.3)%
Consumer credit card1,404 1,335 69 5.2 %
Other consumer (1)(2)
5,959 6,215 (256)(4.1)%
Total consumer32,878 33,289 (411)(1.2)%
Total Loans$96,284 $97,246 $(962)(1.0)%
_____
(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 $5.0 billion at 9/30/2025, $5.1 billion at 6/30/2025, $5.1 billion at 3/31/2025, $5.2 billion at 12/31/2024 and $5.2 billion at 9/30/2024 (on a quarter-to-date basis); and balances of $5.1 billion at 9/30/2025 and $5.2 billion at 12/31/2024 (on a year-to-date basis).


5
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third Quarter 2025 Earnings Release
End of Period Deposits
 As of
     9/30/20259/30/2025
($ amounts in millions)9/30/20256/30/20253/31/202512/31/20249/30/2024 vs. 6/30/2025 vs. 9/30/2024
Non-interest-bearing deposits$39,768 $40,209 $40,443 $39,138 $39,698 $(441)(1.1)%$700.2%
Interest-bearing checking24,669 24,704 25,281 25,079 23,704 (35)(0.1)%9654.1%
Savings11,944 12,187 12,466 12,022 12,085 (243)(2.0)%(141)(1.2)%
Money market—domestic39,051 38,525 37,289 35,644 35,205 5261.4%3,84610.9%
Time deposits14,902 15,294 15,492 15,720 15,684 (392)(2.6)%(782)(5.0)%
Total Deposits$130,334 $130,919 $130,971 $127,603 $126,376 $(585)(0.4)%$3,9583.1%
 As of
   9/30/20259/30/2025
($ amounts in millions)9/30/20256/30/20253/31/202512/31/20249/30/2024 vs. 6/30/2025 vs. 9/30/2024
Consumer Bank Segment$79,689 $79,953 $80,627 $78,637 $78,858 $(264)(0.3)%$8311.1%
Corporate Bank Segment40,415 40,101 39,696 38,361 36,955 3140.8%3,4609.4%
Wealth Management Segment7,654 7,352 7,798 7,736 7,520 3024.1%1341.8%
Other (1)
2,576 3,513 2,850 2,869 3,043 (937)(26.7)%(467)(15.3)%
Total Deposits$130,334 $130,919 $130,971 $127,603 $126,376 $(585)(0.4)%$3,9583.1%
 As of
    9/30/20259/30/2025
($ amounts in millions)9/30/20256/30/20253/31/202512/31/20249/30/2024 vs. 6/30/2025 vs. 9/30/2024
Wealth Management - Private Wealth$6,698 $6,433 $6,931 $6,998 $6,676 $2654.1%$220.3%
Wealth Management - Institutional Services956 919 867 738 844 374.0%11213.3%
Total Wealth Management Segment Deposits$7,654 $7,352 $7,798 $7,736 $7,520 $3024.1%$1341.8%

As of
End of Period Deposits by Percentage9/30/20256/30/20253/31/202512/31/20249/30/2024
Non-interest-bearing deposits30.5 %30.7 %30.9 %30.7 %31.4 %
Interest-bearing checking18.9 %18.9 %19.3 %19.7 %18.8 %
Savings9.2 %9.3 %9.5 %9.4 %9.6 %
Money market—domestic30.0 %29.4 %28.5 %27.9 %27.9 %
Time deposits11.4 %11.7 %11.8 %12.3 %12.3 %
Total Deposits100.0 %100.0 %100.0 %100.0 %100.0 %
(1)Other deposits represent non-customer balances primarily consisting of wholesale funding (for example, selected deposits and brokered time deposits) and additional wholesale funding arrangements. Other deposits includes brokered deposits totaling $1.8 billion at 9/30/2025, $2.8 billion at 6/30/2025, $2.2 billion at 3/31/2025, $2.2 billion at 12/31/2024 and $2.3 billion at 9/30/2024.










6
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third Quarter 2025 Earnings Release
Average Balances of Deposits
Average Balances
($ amounts in millions)3Q252Q251Q254Q243Q243Q25 vs. 2Q253Q25 vs. 3Q24
Non-interest-bearing deposits$39,538 $39,556 $39,053 $39,424 $39,690 $(18)— %$(152)(0.4)%
Interest-bearing checking24,274 24,865 25,033 24,060 23,599 (591)(2.4)%675 2.9 %
Savings12,046 12,300 12,177 12,020 12,183 (254)(2.1)%(137)(1.1)%
Money market—domestic 38,593 37,389 35,625 35,264 35,051 1,204 3.2 %3,542 10.1 %
Time deposits15,124 15,334 15,799 15,725 15,427 (210)(1.4)%(303)(2.0)%
Total Deposits$129,575 $129,444 $127,687 $126,493 $125,950 $131 0.1 %3,625 2.9 %
 Average Balances
($ amounts in millions)3Q252Q251Q254Q243Q243Q25 vs. 2Q253Q25 vs. 3Q24
Consumer Bank Segment$79,698 $79,912 $78,712 $78,476 $78,904 $(214)(0.3)%$794 1.0 %
Corporate Bank Segment39,733 39,234 38,312 37,426 36,867 499 1.3 %2,866 7.8 %
Wealth Management Segment7,262 7,324 7,600 7,492 7,374 (62)(0.8)%(112)(1.5)%
Other (1)
2,882 2,974 3,063 3,099 2,805 (92)(3.1)%77 2.7 %
Total Deposits$129,575 $129,444 $127,687 $126,493 $125,950 $131 0.1 %$3,625 2.9 %
 Average Balances
($ amounts in millions)3Q252Q251Q254Q243Q243Q25 vs. 2Q253Q25 vs. 3Q24
Wealth Management - Private Wealth$6,604 $6,705 $6,897 $6,700 $6,557 $(101)(1.5)%$47 0.7 %
Wealth Management - Institutional Services658 619 703 792 817 39 6.3 %(159)(19.5)%
Total Wealth Management Segment Deposits$7,262 $7,324 $7,600 $7,492 $7,374 $(62)(0.8)%$(112)(1.5)%

Average Balances
Nine Months Ended September 30
($ amounts in millions)202520242025 vs. 2024
Interest-free deposits$39,384 $40,375 $(991)(2.5)%
Interest-bearing checking24,722 24,100 622 2.6 %
Savings12,174 12,437 (263)(2.1)%
Money market—domestic37,213 34,358 2,855 8.3 %
Time deposits15,416 15,386 30 0.2 %
Total Deposits$128,909 $126,656 $2,253 1.8 %
Average Balances
Nine Months Ended September 30
($ amounts in millions)202520242025 vs. 2024
Consumer Bank Segment$79,444 $79,286 $158 0.2 %
Corporate Bank Segment39,098 36,867 2,231 6.1 %
Wealth Management Segment7,394 7,557 (163)(2.2)%
Other (1)
2,973 2,946 27 0.9 %
Total Deposits$128,909 $126,656 $2,253 1.8 %
Average Balances
Nine Months Ended September 30
($ amounts in millions)202520242025 vs. 2024
Wealth Management - Private Wealth$6,734 $6,617 $117 1.8 %
Wealth Management - Institutional Services660 940 (280)(29.8)%
Total Wealth Management Segment Deposits$7,394 $7,557 $(163)(2.2)%
(1)Other deposits represent non-customer balances primarily consisting of wholesale funding (for example, selected deposits and brokered time deposits) and additional wholesale funding arrangements.

7
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third Quarter 2025 Earnings Release
Consolidated Statements of Income (unaudited)
Quarter Ended
($ amounts in millions, except per share data)9/30/20256/30/20253/31/202512/31/20249/30/2024
Interest income on:
Loans, including fees $1,386 $1,377 $1,342 $1,416 $1,463 
Debt securities293 286 266 256 241 
Loans held for sale9 9 8 11 11 
Other earning assets 108 112 109 119 105 
Total interest income1,796 1,784 1,725 1,802 1,820 
Interest expense on:
Deposits456 447 442 467 507 
Short-term borrowings8 1 4 16 10 
Long-term borrowings75 77 85 89 85 
Total interest expense539 525 531 572 602 
Net interest income 1,257 1,259 1,194 1,230 1,218 
Provision for credit losses105 126 124 120 113 
Net interest income after provision for credit losses1,152 1,133 1,070 1,110 1,105 
Non-interest income:
Service charges on deposit accounts160 151 161 155 158 
Card and ATM fees122 125 117 113 118 
Wealth management income139 133 129 126 128 
Capital markets income104 83 80 97 92 
Mortgage income38 48 40 35 36 
Securities gains (losses), net(27)(1)(25)(30)(78)
Other123 107 88 89 118 
Total non-interest income659 646 590 585 572 
Non-interest expense:
Salaries and employee benefits671 658 625 617 645 
Equipment and software expense106 104 99 104 101 
Net occupancy expense72 72 70 67 69 
Other254 239 245 250 254 
Total non-interest expense1,103 1,073 1,039 1,038 1,069 
Income before income taxes708 706 621 657 608 
Income tax expense 139 143 131 123 118 
Net income $569 $563 $490 $534 $490 
Net income available to common shareholders$548 $534 $465 $508 $446 
Weighted-average shares outstanding—during quarter:
Basic890 898 906 911 914 
Diluted894 900 910 915 918 
Actual shares outstanding—end of quarter885 894 899 909 911 
Earnings per common share: (1)
Basic$0.62 $0.59 $0.51 $0.56 $0.49 
Diluted$0.61 $0.59 $0.51 $0.56 $0.49 
Taxable-equivalent net interest income$1,269 $1,271 $1,206 $1,243 $1,230 
________
(1) Quarterly amounts may not add to year-to-date amounts due to rounding.




8
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third Quarter 2025 Earnings Release
Consolidated Statements of Income (continued) (unaudited)
Nine Months Ended September 30
($ amounts in millions, except per share data)20252024
Interest income on:
Loans, including fees$4,105 $4,316 
Debt securities845 669 
Loans held for sale26 28 
Other earning assets 329 293 
Total interest income5,305 5,306 
Interest expense on:
Deposits1,345 1,504 
Short-term borrowings13 24 
Long-term borrowings237 190 
Total interest expense1,595 1,718 
Net interest income3,710 3,588 
Provision for credit losses355 367 
Net interest income after provision for credit losses3,355 3,221 
Non-interest income:
Service charges on deposit accounts472 457 
Card and ATM fees364 354 
Wealth management income 401 369 
Capital markets income267 251 
Mortgage income126 111 
Securities gains (losses), net(53)(178)
Other318 316 
Total non-interest income1,895 1,680 
Non-interest expense:
Salaries and employee benefits1,954 1,912 
Equipment and software expense309 302 
Net occupancy expense214 211 
Other738 779 
Total non-interest expense3,215 3,204 
Income before income taxes2,035 1,697 
Income tax expense 413 338 
Net income $1,622 $1,359 
Net income available to common shareholders$1,547 $1,266 
Weighted-average shares outstanding—during year:
Basic898 917 
Diluted902 919 
Actual shares outstanding—end of period885 911 
Earnings per common share:
Basic$1.72 $1.38 
Diluted$1.72 $1.38 
Taxable-equivalent net interest income$3,746 $3,625 

9
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third Quarter 2025 Earnings Release
Consolidated Average Daily Balances and Yield/Rate Analysis
 Quarter Ended
 9/30/20256/30/2025
($ amounts in millions; yields on taxable-equivalent basis)Average BalanceIncome/ Expense
Yield/ Rate (1)
Average BalanceIncome/ Expense
Yield/ Rate (1)
Assets
Earning assets:
Federal funds sold and securities purchased under agreements to resell$— $— — %$1 $— 4.44 %
Debt securities (2)(3)
33,223 293 3.53 32,882 286 3.48 
Loans held for sale662 9 5.52 500 9 7.14 
Loans, net of unearned income:
Commercial and industrial (4)
49,588 714 5.65 49,033 708 5.72 
Commercial real estate mortgage—owner-occupied (5)
4,860 62 5.04 4,900 63 5.02 
Commercial real estate construction—owner-occupied274 4 5.96 270 4 5.75 
Commercial investor real estate mortgage7,087 114 6.30 6,805 113 6.55 
Commercial investor real estate construction2,051 37 7.12 2,204 40 7.10 
Residential first mortgage19,944 202 4.06 19,992 200 3.99 
Home equity5,538 91 6.54 5,525 90 6.51 
Consumer credit card1,420 52 14.46 1,397 50 14.24 
Other consumer5,885 122 8.14 5,951 121 8.33 
Total loans, net of unearned income96,647 1,398 5.70 96,077 1,389 5.75 
Interest-bearing deposits in other banks8,316 94 4.51 8,737 97 4.49 
Other earning assets1,519 14 3.63 1,466 15 3.96 
Total earning assets 140,367 1,808 5.09 139,663 1,796 5.12 
Unrealized gains/(losses) on debt securities available for sale, net (2)
(1,001)(1,348)
Allowance for loan losses(1,616)(1,643)
Cash and due from banks2,892 2,893 
Other non-earning assets18,447 18,409 
$159,089 $157,974 
Liabilities and Shareholders’ Equity
Interest-bearing liabilities:
Savings $12,046 4 0.13 $12,300 4 0.13 
Interest-bearing checking24,274 86 1.41 24,865 88 1.41 
Money market 38,593 234 2.40 37,389 220 2.37 
Time deposits15,124 132 3.45 15,334 135 3.52 
Total interest-bearing deposits (6)
90,037 456 2.01 89,888 447 1.99 
Federal funds purchased and securities sold under agreements to repurchase48 — 4.36 80 1 4.40 
Other short-term borrowings696 8 4.49 — — — 
Long-term borrowings5,527 75 5.39 5,660 77 5.36 
Total interest-bearing liabilities96,308 539 2.22 95,628 525 2.20 
Non-interest-bearing deposits (6)
39,538 — — 39,556 — — 
Total funding sources135,846 539 1.57 135,184 525 1.55 
Net interest spread (2)
2.87 2.92 
Other liabilities4,515 4,403 
Shareholders’ equity18,688 18,350 
Noncontrolling interest40 37 
$159,089 $157,974 
Net interest income/margin FTE basis (2)
$1,269 3.59 %$1,271 3.65 %
_______
(1) Amounts have been calculated using whole dollar values and the prevailing interest accrual methodology.
(2) Debt securities are included on an amortized cost basis with yield and net interest margin calculated accordingly.
(3) Interest income includes hedging income of $2 million for the quarter ended September 30, 2025 and $6 million for the quarter ended June 30, 2025.
(4) Interest income includes hedging expense of $58 million for the quarter ended September 30, 2025 and $53 million for the quarter ended June 30, 2025.
(5) Interest income includes hedging expense of $7 million for the quarter ended September 30, 2025 and $7 million for the quarter ended June 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 1.39% for the quarter ended September 30, 2025 and 1.39% for the quarter ended June 30, 2025.


10
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third Quarter 2025 Earnings Release
Consolidated Average Daily Balances and Yield/Rate Analysis (continued)
 Quarter Ended
 3/31/202512/31/20249/30/2024
($ amounts in millions; yields on taxable-equivalent basis)Average BalanceIncome/ Expense
Yield/ Rate (1)
Average BalanceIncome/ Expense
Yield/ Rate (1)
Average BalanceIncome/ Expense
Yield/ Rate (1)
Assets
Earning assets:
Federal funds sold and securities purchased under agreements to resell$1 $— 4.44 %$1 $— 4.82 %$1 $— 5.44 %
Debt securities (2)(3)
32,280 266 3.30 32,553 256 3.16 32,252 241 2.98 
Loans held for sale441 8 7.27 766 11 5.63 642 11 6.56 
Loans, net of unearned income:
Commercial and industrial (4)
49,209 687 5.58 49,357 746 5.99 49,847 773 6.14 
Commercial real estate mortgage—owner-occupied (5)
4,863 59 4.87 4,869 61 4.90 4,877 60 4.80 
Commercial real estate construction—owner-occupied317 5 5.78 343 5 6.03 335 6 6.29 
Commercial investor real estate mortgage6,484 100 6.17 6,491 105 6.35 6,495 119 7.16 
Commercial investor real estate construction2,267 40 7.06 2,165 41 7.40 2,264 46 7.94 
Residential first mortgage20,037 198 3.96 20,107 199 3.95 20,147 196 3.90 
Home equity5,509 91 6.63 5,527 94 6.78 5,530 96 6.96 
Consumer credit card1,394 50 14.55 1,398 50 14.37 1,359 51 14.82 
Other consumer6,042 124 8.27 6,151 128 8.18 6,186 128 8.27 
Total loans, net of unearned income 96,122 1,354 5.64 96,408 1,429 5.87 97,040 1,475 6.02 
Interest-bearing deposits in other banks8,537 94 4.45 7,978 98 4.84 6,682 92 5.52 
Other earning assets1,483 15 4.19 1,510 21 5.54 1,456 13 3.58 
Total earning assets
138,864 1,737 5.01 139,216 1,815 5.17 138,073 1,832 5.26 
Unrealized gains/(losses) on debt securities available for sale, net (2)
(1,716)(1,945)(2,213)
Allowance for loan losses(1,625)(1,621)(1,629)
Cash and due from banks2,957 2,826 2,822 
Other non-earning assets18,396 18,032 17,614 
$156,876 $156,508 $154,667 
Liabilities and Shareholders’ Equity
Interest-bearing liabilities:
Savings $12,177 4 0.13 $12,020 3 0.11 $12,183 4 0.13 
Interest-bearing checking25,033 89 1.44 24,060 92 1.52 23,599 98 1.64 
Money market 35,625 204 2.32 35,264 217 2.45 35,051 247 2.80 
Time deposits15,799 145 3.73 15,725 155 3.92 15,427 158 4.09 
Total interest-bearing deposits (6)
88,634 442 2.02 87,069 467 2.13 86,260 507 2.34 
Federal funds purchased and securities sold under agreements to repurchase39 — 4.39 24 — 4.60 22 — 4.40 
Other short-term borrowings339 4 4.57 1,207 16 4.93 641 10 5.42 
Long-term borrowings6,001 85 5.65 6,025 89 5.80 5,351 85 6.28 
Total interest-bearing liabilities 95,013 531 2.27 94,325 572 2.41 92,274 602 2.59 
Non-interest-bearing deposits (6)
39,053 — — 39,424 — — 39,690 — — 
Total funding sources134,066 531 1.60 133,749 572 1.70 131,964 602 1.81 
Net interest spread (2)
2.75 2.76 2.67 
Other liabilities4,652 4,672 4,623 
Shareholders’ equity18,127 18,042 18,047 
Noncontrolling interest31 45 33 
$156,876 $156,508 $154,667 
Net interest income/margin FTE basis (2)
$1,206 3.52 %$1,243 3.55 %$1,230 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 hedge income of $2 million for the quarter ended March 31, 2025, zero for the quarter ended December 31, 2024, and $3 million for the quarter ended September 30, 2024.
(4) Interest income includes hedging expense of $60 million for the quarter ended March 31, 2025, $69 million for the quarter ended December 31, 2024 and $98 million for the quarter ended September 30, 2024.
(5) Interest income includes hedging expense of $7 million for the quarter ended March 31, 2025, $8 million for the quarter ended December 31, 2024 and $12 million for the quarter ended September 30, 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 1.40% for the quarter ended March 31, 2025, 1.47% for the quarter ended December 31, 2024 and 1.60% for the quarter ended September 30, 2024.



11
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third Quarter 2025 Earnings Release
Consolidated Average Daily Balances and Yield/Rate Analysis (continued)
 Nine Months Ended September 30
 20252024
($ amounts in millions; yields on taxable-equivalent basis)Average BalanceIncome/ Expense
Yield/ Rate (1)
Average BalanceIncome/ Expense
Yield/ Rate (1)
Assets
Earning assets:
Federal funds sold and securities purchased under agreements to resell$1 $— 4.42 %$1 $— 5.44 %
Debt securities (2)(3)
32,798 845 3.44 31,800 669 2.80 
Loans held for sale535 26 6.50 557 28 6.61 
Loans, net of unearned income:
Commercial and industrial (4)
49,278 2,109 5.65 49,994 2,279 6.06 
Commercial real estate mortgage—owner-occupied (5)
4,874 184 4.98 4,825 172 4.66 
Commercial real estate construction—owner-occupied287 13 5.83 328 16 6.22 
Commercial investor real estate mortgage6,794 327 6.34 6,554 355 7.11 
Commercial investor real estate construction2,173 117 7.10 2,256 137 7.96 
Residential first mortgage19,991 600 4.00 20,175 578 3.82 
Home equity5,524 272 6.56 5,564 286 6.87 
Consumer credit card1,404 152 14.42 1,335 149 14.88 
Other consumer5,959 367 8.25 6,215 381 8.20 
Total loans, net of unearned income96,284 4,141 5.70 97,246 4,353 5.94 
Interest-bearing deposits in other banks8,529 285 4.48 5,868 246 5.61 
Other earning assets 1,490 44 3.92 1,414 47 4.47 
Total earning assets139,637 5,341 5.08 136,886 5,343 5.19 
Unrealized gains/(losses) on debt securities available for sale, net (2)
(1,352)(2,838)
Allowance for loan losses(1,628)(1,615)
Cash and due from banks2,914 2,694 
Other non-earning assets18,417 17,871 
$157,988 $152,998 
Liabilities and Shareholders’ Equity
Interest-bearing liabilities:
Savings $12,174 12 0.13 $12,437 12 0.13 
Interest-bearing checking24,722 263 1.42 24,100 303 1.68 
Money market 37,213 658 2.37 34,358 713 2.77 
Time deposits15,416 412 3.57 15,386 476 4.13 
Total interest-bearing deposits (6)
89,525 1,345 2.01 86,281 1,504 2.33 
Federal funds purchased and securities sold under agreements to repurchase56 1 4.39 13 — 4.83 
Other Short-term borrowings346 12 4.52 560 24 5.47 
Long-term borrowings5,728 237 5.47 3,790 190 6.63 
Total interest-bearing liabilities95,655 1,595 2.23 90,644 1,718 2.53 
Non-interest-bearing deposits (6)
39,384 — — 40,375 — — 
Total funding sources135,039 1,595 1.58 131,019 1,718 1.75 
Net interest spread (2)
2.85 2.66 
Other liabilities4,523 4,647 
Shareholders’ equity18,390 17,295 
Noncontrolling interest36 37 
$157,988 $152,998 
Net interest income/margin FTE basis (2)
$3,746 3.59 %$3,625 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 $10 million and $7 million for the years ended September 30, 2025 and 2024, respectively.
(4) Interest income includes hedging expense of $171 million and $305 million for the years ended September 30, 2025 and 2024, respectively.
(5) Interest income includes hedging expense of $21 million and $38 million for the years ended September 30, 2025 and 2024, respectively.
(6) Total deposit costs may be calculated by dividing total interest expense on deposits by the sum of interest-bearing deposits and non-interest bearing deposits. The rates for total
deposit costs equal 1.39% and 1.58% for the years ended September 30, 2025 and 2024, respectively.
12
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third Quarter 2025 Earnings Release
Pre-Tax Pre-Provision Income ("PPI") (non-GAAP) and Adjusted PPI (non-GAAP)
The Pre-Tax Pre-Provision Income tables below present computations of pre-tax pre-provision income excluding certain adjustments (non-GAAP). Regions believes that the presentation of PPI and the exclusion of certain items from PPI provides a meaningful basis for period-to-period comparisons, which management believes will assist investors in analyzing the operating results of the Company and predicting future performance. These non-GAAP financial measures are also used by management to assess the performance of Regions’ business. It is possible that the activities related to the adjustments may recur; however, management does not consider the activities related to the adjustments to be indications of ongoing operations.
 Quarter Ended
($ amounts in millions)9/30/20256/30/20253/31/202512/31/20249/30/20243Q25 vs. 2Q253Q25 vs. 3Q24
Net income available to common shareholders (GAAP)$548 $534 $465 $508 $446 $14 2.6 %$102 22.9 %
Preferred dividends and other (GAAP) (1)
21 29 25 26 44 (8)(27.6)%(23)(52.3)%
Income tax expense (GAAP)139 143 131 123 118 (4)(2.8)%21 17.8 %
Income before income taxes (GAAP)708 706 621 657 608 2 0.3 %100 16.4 %
Provision for credit losses (GAAP)105 126 124 120 113 (21)(16.7)%(8)(7.1)%
Pre-tax pre-provision income (non-GAAP)813 832 745 777 721 (19)(2.3)%92 12.8 %
Other adjustments:
Securities (gains) losses, net25 — 25 30 78 25 NM(53)(67.9)%
FDIC insurance special assessment(3)(1)1 (2)(4)(2)(200.0)%1 25.0 %
Salaries and employee benefits—severance charges— 1 1 10 3 (1)(100.0)%(3)(100.0)%
Branch consolidation, property and equipment charges(5)— — 1 — (5)NM(5)NM
Professional, legal and regulatory expenses— — 2 — 1 — NM(1)(100.0)%
Total other adjustments17 — 29 39 78 17 NM(61)(78.2)%
Adjusted pre-tax pre-provision income (non-GAAP)$830 $832 $774 $816 $799 $(2)(0.2)%$31 3.9 %
_____
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 third quarter 2024 amount includes $15 million of deferred issuance costs recognized upon the redemption of Series B preferred stock.






13
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third Quarter 2025 Earnings Release
Non-Interest Income
 Quarter Ended
($ amounts in millions)9/30/20256/30/20253/31/202512/31/20249/30/20243Q25 vs. 2Q253Q25 vs. 3Q24
Service charges on deposit accounts$160 $151 $161 $155 $158 $9 6.0 %$2 1.3 %
Card and ATM fees122 125 117 113 118 (3)(2.4)%4 3.4 %
Wealth management income139 133 129 126 128 6 4.5 %11 8.6 %
Capital markets income (1)
104 83 80 97 92 21 25.3 %12 13.0 %
Mortgage income38 48 40 35 36 (10)(20.8)%2 5.6 %
Commercial credit fee income 28 29 27 28 28 (1)(3.4)%— — %
Bank-owned life insurance25 24 23 21 28 1 4.2 %(3)(10.7)%
Market value adjustments on employee benefit assets (2)
12 16 (3)(5)13 (4)(25.0)%(1)(7.7)%
Securities gains (losses), net(27)(1)(25)(30)(78)(26)NM51 65.4 %
Other miscellaneous income58 38 41 45 49 20 52.6 %9 18.4 %
Total non-interest income$659 $646 $590 $585 $572 $13 2.0 %$87 15.2 %
Service Charges on Deposit Accounts by Segment
Quarter Ended
($ amounts in millions)9/30/20256/30/20253/31/202512/31/20249/30/20243Q25 vs. 2Q253Q25 vs. 3Q24
Consumer Bank Segment (3)
$99 $90 $96 $98 $100 $9 10.0 %$(1)(1.0)%
Corporate Bank Segment (4)
61 60 64 56 58 1 1.7 %3 5.2 %
Wealth Management Segment— 1 1 1 — (1)(100.0)%— NM
Total service charges on deposit accounts$160 $151 $161 $155 $158 $9 6.0 %$2 1.3 %
Wealth Management Income
Quarter Ended
($ amounts in millions)9/30/20256/30/20253/31/202512/31/20249/30/20243Q25 vs. 2Q253Q25 vs. 3Q24
Investment management and trust fee income$91 $90 $86 $89 $85 $1 1.1 %$6 7.1 %
Investment services fee income48 43 43 37 43 5 11.6 %5 11.6 %
Total wealth management income (5)
$139 $133 $129 $126 $128 $6 4.5 %$11 8.6 %
Capital Markets Income
Quarter Ended
($ amounts in millions)9/30/20256/30/20253/31/202512/31/20249/30/20243Q25 vs. 2Q253Q25 vs. 3Q24
Capital markets income$104 $83 $80 $97 $92 $21 25.3 %$12 13.0 %
Less: Valuation adjustments on customer derivatives (6)
— (2)(1)(1)(1)2 100.0 %1 100.0 %
Capital markets income excluding valuation adjustments $104 $85 $81 $98 $93 $19 22.4 %$11 11.8 %
Mortgage Income
Quarter Ended
($ amounts in millions)9/30/20256/30/20253/31/202512/31/20249/30/20243Q25 vs. 2Q253Q25 vs. 3Q24
Production and sales$17 $17 $13 $14 $16 $— — %$1 6.3 %
Loan servicing47 47 47 48 53 — — %(6)(11.3)%
MSR and related hedge impact:
MSRs fair value increase (decrease) due to change in valuation inputs or assumptions1 16 (10)56 (28)(15)(93.8)%29 103.6 %
MSRs hedge gain (loss)1 (4)18 (53)28 5 125.0 %(27)(96.4)%
MSRs change due to payment decay(28)(28)(28)(30)(33)— — %5 15.2 %
MSR and related hedge impact(26)(16)(20)(27)(33)(10)(62.5)%7 21.2 %
Total mortgage income$38 $48 $40 $35 $36 $(10)(20.8)%$2 5.6 %
Mortgage production - portfolio$465 $602 $355 $413 $468 $(137)(22.8)%$(3)(0.6)%
Mortgage production - agency/secondary market504 516 371 462 548 (12)(2.3)%(44)(8.0)%
Total mortgage production$969 $1,118 $726 $875 $1,016 $(149)(13.3)%$(47)(4.6)%
Mortgage production - purchased81.4 %82.5 %82.9 %82.3 %85.5 %
Mortgage production - refinanced18.6 %17.5 %17.1 %17.7 %14.5 %
_________
NM - Not Meaningful
(1)Capital markets income primarily relates to capital raising activities that includes debt securities underwriting and placement, loan syndication and placement, as well as foreign exchange, derivative and merger and acquisition advisory services.
(2)These market value adjustments relate to assets held for employee and director benefits that are offset within salaries and employee benefits expense and other non-interest expense.
(3)Consumer overdraft fees represent approximately half of these amounts each quarter.
(4)The majority of these amounts relate to Treasury Management (TM) activities and typically represent approximately two-thirds of total TM revenue each quarter.
(5)Total wealth management income does not include certain smaller dollar amounts that are attributable to the wealth management segment.
(6)For the purposes of determining the fair value of customer derivatives, the Company considers the risk of nonperformance by counterparties, as well as the Company's own risk of nonperformance. The valuation adjustments above are reflective of the values associated with these considerations.

14
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third Quarter 2025 Earnings Release
Non-Interest Income
($ amounts in millions)Nine Months EndedYear-to-Date Change 9/30/2025 vs. 9/30/2024
9/30/20259/30/2024AmountPercent
Service charges on deposit accounts$472 $457 $15 3.3 %
Card and ATM fees364 354 10 2.8 %
Wealth management income401 369 32 8.7 %
Capital markets income (1)
267 251 16 6.4 %
Mortgage income126 111 15 13.5 %
Commercial credit fee income 84 83 1 1.2 %
Bank-owned life insurance72 81 (9)(11.1)%
Market value adjustments on employee benefit assets (2)
25 30 (5)(16.7)%
Securities gains (losses), net(53)(178)125 70.2 %
Other miscellaneous income137 122 15 12.3 %
Total non-interest income$1,895 $1,680 $215 12.8 %
Service Charges on Deposit Accounts by Segment
Nine Months EndedYear-to-Date Change 9/30/2025 vs. 9/30/2024
($ amounts in millions)9/30/20259/30/2024AmountPercent
Consumer Bank Segment (3)
$285 $287 $(2)(0.7)%
Corporate Bank Segment (4)
185 167 18 10.8 %
Wealth Management Segment2 2 — — %
Other— 1 (1)(100.0)%
Total service charges on deposit accounts$472 $457 $15 3.3 %
Wealth Management Income
Nine Months EndedYear-to-Date Change 9/30/2025 vs. 9/30/2024
($ amounts in millions)9/30/20259/30/2024AmountPercent
Investment management and trust fee income$267 $249 $18 7.2 %
Investment services fee income134 120 14 11.7 %
Total wealth management income (5)
$401 $369 $32 8.7 %
Capital Markets Income
Nine Months EndedYear-to-Date Change 9/30/2025 vs. 9/30/2024
($ amounts in millions)9/30/20259/30/2024AmountPercent
Capital markets income$267 $251 $16 6.4 %
Less: Valuation adjustments on customer derivatives (6)
(3)(5)2 40.0 %
Capital markets income excluding valuation adjustments $270 $256 $14 5.5 %
Mortgage Income
Nine Months EndedYear-to-Date Change 9/30/2025 vs. 9/30/2024
($ amounts in millions)9/30/20259/30/2024AmountPercent
Production and sales$47 $56 $(9)(16.1)%
Loan servicing141 143 (2)(1.4)%
MSR and related hedge impact:
MSRs fair value increase (decrease) due to change in valuation inputs or assumptions7 4 3 75.0 %
MSRs hedge gain 15 1 14 NM
MSRs change due to payment decay(84)(93)9 9.7 %
MSR and related hedge impact(62)(88)26 29.5 %
Total mortgage income$126 $111 $15 13.5 %
Mortgage production - portfolio$1,422 $1,350 $72 5.3 %
Mortgage production - agency/secondary market1,391 1,461 (70)(4.8)%
Total mortgage production $2,813 $2,811 $2 0.1 %
Mortgage production - purchased82.2 %88.7 %
Mortgage production - refinanced17.8 %11.3 %
_________
NM - Not Meaningful
(1)Capital markets income primarily relates to capital raising activities that includes debt securities underwriting and placement, loan syndication and placement, as well as foreign exchange, derivative and merger and acquisition advisory services.
(2)These market value adjustments relate to assets held for employee and director benefits that are offset within salaries and employee benefits expense and other non-interest expense.
(3)Consumer overdraft fees typically represent approximately half of these amounts each reporting period.
(4)The majority of these amounts relate to Treasury Management (TM), and typically represent approximately two-thirds of Regions' total TM revenue each reporting period.
(5)Total wealth management income does not include certain smaller dollar amounts that are attributable to the wealth management segment.
(6)For the purposes of determining the fair value of customer derivatives, the Company considers the risk of nonperformance by counterparties, as well as the Company's own risk of nonperformance. The valuation adjustments above are reflective of the values associated with these considerations.

15
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third Quarter 2025 Earnings Release
Non-Interest Expense
Quarter Ended
($ amounts in millions)9/30/20256/30/20253/31/202512/31/20249/30/20243Q25 vs. 2Q253Q25 vs. 3Q24
Salaries and employee benefits$671 $658 $625 $617 $645 $13 2.0 %$26 4.0 %
Equipment and software expense106 104 99 104 101 2 1.9 %5 5.0 %
Net occupancy expense72 72 70 67 69 — — %3 4.3 %
Outside services42 39 40 42 41 3 7.7 %1 2.4 %
Marketing28 26 30 28 28 2 7.7 %— — %
Professional, legal and regulatory expenses 30 28 23 20 21 2 7.1 %9 42.9 %
Credit/checkcard expenses15 16 15 16 14 (1)(6.3)%1 7.1 %
FDIC insurance assessments 15 20 20 20 17 (5)(25.0)%(2)(11.8)%
Visa class B shares expense8 4 7 6 17 4 100.0 %(9)(52.9)%
Operational losses 18 13 13 16 19 5 38.5 %(1)(5.3)%
Branch consolidation, property and equipment charges (5)— — 1 — (5)NM(5)NM
Other miscellaneous expenses103 93 97 101 97 10 10.8 %6 6.2 %
Total non-interest expense$1,103 $1,073 $1,039 $1,038 $1,069 $30 2.8 %$34 3.2 %

Salaries and Benefits Expense
Quarter Ended
($ amounts in millions)9/30/20256/30/20253/31/202512/31/20249/30/20243Q25 vs. 2Q253Q25 vs. 3Q24
Salaries and employee benefits$671 $658 $625 $617 $645 $13 2.0 %$26 4.0 %
Less: Market value adjustments on 401(k) liabilities (1)
13 16 (1)(1)12 (3)(18.8)%18.3 %
Salaries and employee benefits less market value adjustments on employee benefits liabilities$658 $642 $626 $618 $633 $16 2.5 %$25 3.9 %

Nine Months EndedYear-to-Date Change 9/30/2025 vs. 9/30/2024
($ amounts in millions)9/30/20259/30/2024AmountPercent
Salaries and employee benefits $1,954 $1,912 $42 2.2 %
Equipment and software expense309 302 7 2.3 %
Net occupancy expense214 211 3 1.4 %
Outside services121 120 1 0.8 %
Marketing84 82 2 2.4 %
Professional, legal and regulatory expenses 81 74 7 9.5 %
Credit/checkcard expenses46 43 3 7.0 %
FDIC insurance assessments 55 89 (34)(38.2)%
Visa class B shares expense19 26 (7)(26.9)%
Operational losses44 79 (35)(44.3)%
Branch consolidation, property and equipment charges (5)2 (7)(350.0)%
Other miscellaneous expenses293 264 29 11.0 %
Total non-interest expense$3,215 $3,204 $11 0.3 %

Salaries and Benefits Expense
Nine Months EndedYear-to-Date Change 9/30/2025 vs. 9/30/2024
($ amounts in millions)9/30/20259/30/2024AmountPercent
Salaries and employee benefits$1,954 $1,912 $42 2.2 %
Less: Market value adjustments on 401(k) liabilities (1)
28 34 (6)(17.6)%
Salaries and employee benefits less market value adjustments on employee benefits liabilities$1,926 $1,878 $48 2.6 %
_________
NM - Not Meaningful
(1) The Company holds assets in order to offset the market value adjustments on 401(k) liabilities and the market value adjustments on those assets are recorded in non-interest income.
16
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third 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) 9/30/20256/30/20253/31/202512/31/20249/30/20243Q25 vs. 2Q253Q25 vs. 3Q24
Non-interest expense (GAAP)A$1,103 $1,073 $1,039 $1,038 $1,069 $30 2.8 %$34 3.2 %
Adjustments:
FDIC insurance special assessment 3 1 (1)2 4 2 200.0 %(1)(25.0)%
Branch consolidation, property and equipment charges 5 — — (1)— 5 NM5 NM
Salaries and employee benefits—severance charges— (1)(1)(10)(3)1 100.0 %3 100.0 %
Professional, legal and regulatory expenses— — (2)— (1)— NM1 100.0 %
Adjusted non-interest expense (non-GAAP)B$1,111 $1,073 $1,035 $1,029 $1,069 $38 3.5 %$42 3.9 %
Net interest income (GAAP)C$1,257 $1,259 $1,194 $1,230 $1,218 $(2)(0.2)%$39 3.2 %
Taxable-equivalent adjustment12 12 12 13 12 — — %— — %
Net interest income, taxable-equivalent basis (GAAP)D$1,269 $1,271 $1,206 $1,243 $1,230 $(2)(0.2)%$39 3.2 %
Non-interest income (GAAP)E$659 $646 $590 $585 $572 $13 2.0 %$87 15.2 %
Adjustments:
Securities (gains) losses, net25 — 25 30 78 25 NM(53)(67.9)%
Adjusted non-interest income (non-GAAP)F$684 $646 $615 $615 $650 $38 5.9 %$34 5.2 %
Total revenue (GAAP)C+E=G$1,916 $1,905 $1,784 $1,815 $1,790 $11 0.6 %$126 7.0 %
Adjusted total revenue (non-GAAP)C+F=H$1,941 $1,905 $1,809 $1,845 $1,868 $36 1.9 %$73 3.9 %
Total revenue, taxable-equivalent basis (GAAP)D+E=I$1,928 $1,917 $1,796 $1,828 $1,802 $11 0.6 %$126 7.0 %
Adjusted total revenue, taxable-equivalent basis (non-GAAP)D+F=J$1,953 $1,917 $1,821 $1,858 $1,880 $36 1.9 %$73 3.9 %
Operating leverage ratio (GAAP) (1)
I-A(2.2)%3.8 %
Adjusted operating leverage ratio (non-GAAP) (1)
J-B(1.7)%— %
Efficiency ratio (GAAP) (1)
A/I57.2 %56.0 %57.9 %56.8 %59.3 %
Adjusted efficiency ratio (non-GAAP) (1)
B/J56.9 %56.0 %56.8 %55.4 %56.9 %
Fee income ratio (GAAP) (1)
E/I34.2 %33.7 %32.9 %32.0 %31.7 %
Adjusted fee income ratio (non-GAAP) (1)
F/J35.0 %33.7 %33.8 %33.1 %34.6 %
________
NM - Not Meaningful
(1) Amounts have been calculated using whole dollar values.






17
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third 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)
Nine Months Ended September 30
($ amounts in millions)202520242025 vs. 2024
Non-interest expense (GAAP)A$3,215 $3,204 $11 0.3 %
Adjustments:
FDIC insurance special assessment3 (18)21 116.7 %
Branch consolidation, property and equipment charges5 (2)7 350.0 %
Salaries and employee benefits—severance charges(2)(20)18 90.0 %
Professional, legal and regulatory expenses (2)(3)1 33.3 %
Other miscellaneous expenses (1)
— 37 (37)(100.0)%
Adjusted non-interest expense (non-GAAP)B$3,219 $3,198 $21 0.7 %
Net interest income (GAAP) C$3,710 $3,588 $122 3.4 %
Taxable-equivalent adjustment36 37 (1)(2.7)%
Net interest income, taxable-equivalent basisD$3,746 $3,625 $121 3.3 %
Non-interest income (GAAP)E$1,895 $1,680 $215 12.8 %
Adjustments:
Securities (gains) losses, net50 178 (128)(71.9)%
Adjusted non-interest income (non-GAAP)F$1,945 $1,858 $87 4.7 %
Total revenue (GAAP)C+E= G$5,605 $5,268 $337 6.4 %
Adjusted total revenue (non-GAAP)C+F=H$5,655 $5,446 $209 3.8 %
Total revenue, taxable-equivalent basis (GAAP)D+E=I$5,641 $5,305 $336 6.3 %
Adjusted total revenue, taxable-equivalent basis (non-GAAP)D+F=J$5,691 $5,483 $208 3.8 %
Operating leverage ratio (GAAP) (2)
I-A6.0 %
Adjusted operating leverage ratio (non-GAAP) (2)
J-B3.2 %
Efficiency ratio (GAAP) (2)
A/I57.0 %60.4 %
Adjusted efficiency ratio (non-GAAP) (2)
B/J56.5 %58.3 %
Fee income ratio (GAAP) (2)
E/I33.6 %31.7 %
Adjusted fee income ratio (non-GAAP) (2)
F/J34.2 %33.9 %
______
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.





18
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third 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)9/30/20256/30/20253/31/202512/31/20249/30/20243Q25 vs. 2Q253Q25 vs. 3Q24
Net income available to common shareholders (GAAP)A$548 $534 $465 $508 $446 $14 2.6 %$102 22.9 %
Adjustments:
Securities (gains) losses, net25 — 25 30 78 25 NM(53)(67.9)%
FDIC insurance special assessment(3)(1)1 (2)(4)(2)(200.0)%1 25.0 %
Salaries and employee benefits—severance charges— 1 1 10 3 (1)(100.0)%(3)(100.0)%
Branch consolidation, property and equipment charges(5)— — 1 — (5)NM(5)NM
Professional, legal and regulatory expenses— — 2 — 1 — NM(1)(100.0)%
Preferred stock redemption expense (1)
— 4 — — 15 (4)(100.0)%(15)(100.0)%
Total adjustments17 4 29 39 93 $13 325.0 %$(76)(81.7)%
Tax impact of adjusted items (2)
(4)— (7)(9)(19)(4)NM15 78.9 %
Adjusted net income available to common shareholders (non-GAAP)B$561 $538 $487 $538 $520 $23 4.3 %$41 7.9 %
Weighted-average diluted sharesC894 900 910 915 918 
Diluted EPS (GAAP) (3)
A/C$0.61 $0.59 $0.51 $0.56 $0.49 $0.02 3.4 %$0.12 24.5 %
Adjusted diluted EPS (non-GAAP) (3)
B/C$0.63 $0.60 $0.54 $0.59 $0.57 $0.03 5.0 %$0.06 10.5 %
Average shareholders' equity (GAAP)18,688 18,350 18,127 18,042 18,047 338 1.8 %641 3.6 %
Less: Average preferred stock (GAAP)1,369 1,513 1,715 1,715 1,741 (144)(9.5)%(372)(21.4)%
Average common shareholders' equity (GAAP)D17,319 16,837 16,412 16,327 16,306 482 2.9 %1,013 6.2 %
Less:
  Average intangible assets (GAAP)5,883 5,891 5,899 5,907 5,916 (8)(0.1)%(33)(0.6)%
  Average deferred tax liability related to intangibles (GAAP)(126)(126)(126)(123)(120)— — %(6)(5.0)%
Average tangible common shareholders' equity (non-GAAP)E$11,562 $11,072 $10,639 $10,543 $10,510 490 4.4 %1,052 10.0 %
Return on average common shareholders' equity (GAAP) (3)*
A/D12.56 %12.72 %11.49 %12.39 %10.88 %
Return on average tangible common shareholders' equity (non-GAAP) (3)*
A/E18.81 %19.34 %17.72 %19.19 %16.87 %
Adjusted return on average tangible common shareholders' equity (non-GAAP) (3)*
B/E19.24 %19.48 %18.58 %20.30 %19.68 %
_______
*Annualized
NM - Not Meaningful
(1) In the second quarter of 2025 and the third quarter of 2024, the Company redeemed its Series D preferred stock and Series B preferred stock, respectively. The initial issuance costs reduced net income to common shareholders when the shares were redeemed. This is a non-taxable expense.
(2) Unless separately noted, the tax impact for adjustments has been calculated at using a nominal tax rate of 25 percent.
(3) Amounts calculated based upon whole dollar values.
19
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third Quarter 2025 Earnings Release
Reconciliation of GAAP Financial Measures to non-GAAP Financial Measures
Tangible Common Ratios
The following table provides a reconciliation of shareholders’ equity (GAAP) to tangible common shareholders’ equity (non-GAAP) and the calculations of the end of period “tangible common shareholders’ equity to tangible assets” and "tangible common book value per share" ratios (non-GAAP). Since analysts and banking regulators may assess Regions’ capital adequacy using tangible common shareholders' equity, management believes that it is useful to provide investors the ability to assess Regions’ capital adequacy on this same basis.
As of and for Quarter Ended
($ amounts in millions, except per share data)9/30/20256/30/20253/31/202512/31/20249/30/2024
TANGIBLE COMMON RATIOS
Shareholders’ equity (GAAP)A$19,049 $18,666 $18,530 $17,879 $18,676 
Less: Preferred stock (GAAP)1,369 1,369 1,715 1,715 1,715 
Common shareholders' equity (GAAP)B17,680 17,297 16,815 16,164 16,961 
Less:
Intangible assets (GAAP)5,879 5,886 5,894 5,902 5,911 
Deferred tax liability related to intangibles (GAAP)(133)(130)(126)(126)(122)
Tangible common shareholders’ equity (non-GAAP)C$11,934 $11,541 $11,047 $10,388 $11,172 
Total assets (GAAP)D$159,940 $159,206 $159,846 $157,302 $157,426 
Less:
Intangible assets (GAAP)5,879 5,886 5,894 5,902 5,911 
Deferred tax liability related to intangibles (GAAP)(133)(130)(126)(126)(122)
Tangible assets (non-GAAP)E$154,194 $153,450 $154,078 $151,526 $151,637 
Shares outstanding—end of quarterF885 894 899 909 911 
Total equity to total assets (GAAP) (1)
A/D11.91 %11.72 %11.59 %11.37 %11.86 %
Tangible common shareholders’ equity to tangible assets (non-GAAP) (1)
C/E7.74 %7.52 %7.17 %6.86 %7.37 %
Common book value per share (GAAP) (1)
B/F$19.98 $19.35 $18.70 $17.77 $18.62 
Tangible common book value per share (non-GAAP) (1)
C/F$13.49 $12.91 $12.29 $11.42 $12.26 
____
(1)Amounts have been calculated using whole dollar values.


Common equity Tier 1 (CET1) Ratios

The following table presents CET1 and adjusted CET1 (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)9/30/20256/30/20253/31/202512/31/20249/30/2024
ADJUSTED CET1 RATIO
Common equity Tier 1 (1)
A$13,620$13,533 $13,355 $13,434 $13,185 
Adjustments:
AOCI loss on securities (2)
(1,241)(1,485)(1,645)(2,024)(1,369)
AOCI loss on defined benefit pension plans and other post employment benefits(396)(401)(406)(410)(437)
Adjusted common equity Tier 1 (non-GAAP)B$11,983 $11,647 $11,304 $11,000 $11,379 
Total risk-weighted assets (1)
C$126,060$125,755 $123,755 $124,440 $124,645 
Common equity Tier 1 ratio (1)(3)
A/C10.8 %10.8 %10.8 %10.8 %10.6 %
Adjusted common equity Tier 1 ratio (non-GAAP) (1)(3)
B/C9.5 %9.3 %9.1 %8.8 %9.1 %
____
(1)Current quarter Common equity Tier 1 as well as Total risk-weighted assets are estimated.
(2)Represents AOCI loss on both available for sale and held to maturity securities.
(3)Amounts have been calculated using whole dollar values.

20
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third Quarter 2025 Earnings Release
Asset Quality
As of and for Quarter Ended
($ amounts in millions)9/30/20256/30/20253/31/202512/31/20249/30/2024
Beginning allowance for loan losses (ALL)$1,612 $1,613 $1,613 $1,607 $1,621 
Loans charged-off:
Commercial and industrial57 70 57 65 70 
Commercial real estate mortgage—owner-occupied1 — 2 2 1 
Total commercial58 70 59 67 71 
Commercial investor real estate mortgage34 2 22 25 12 
Total investor real estate34 2 22 25 12 
Residential first mortgage1 1 — 1 — 
Home equity—lines of credit— 1 — — 1 
Consumer credit card16 17 17 16 16 
Other consumer51 42 47 45 43 
Total consumer68 61 64 62 60 
Total160 133 145 154 143 
Recoveries of loans previously charged-off:
Commercial and industrial10 10 11 26 15 
Commercial real estate mortgage—owner-occupied1 — — 1 — 
Commercial real estate construction—owner-occupied— — 1 — — 
Total commercial11 10 12 27 15 
Commercial investor real estate mortgage2 — — 1 — 
Total investor real estate2 — — 1 — 
Residential first mortgage— 1 — — 1 
Home equity—lines of credit1 2 — 1 1 
Consumer credit card2 2 3 2 3 
Other consumer9 5 7 4 6 
Total consumer12 10 10 7 11 
Total25 20 22 35 26 
Net charge-offs (recoveries):
Commercial and industrial47 60 46 39 55 
Commercial real estate mortgage—owner-occupied— — 2 1 1 
Commercial real estate construction—owner-occupied— — (1)— — 
Total commercial47 60 47 40 56 
Commercial investor real estate mortgage32 2 22 24 12 
Total investor real estate32 2 22 24 12 
Residential first mortgage1 — — 1 (1)
Home equity—lines of credit(1)(1)— (1)— 
Consumer credit card14 15 14 14 13 
Other consumer42 37 40 41 37 
Total consumer56 51 54 55 49 
Total135 113 123 119 117 
Provision for loan losses104 112 123 125 103 
Ending allowance for loan losses (ALL)1,581 1,612 1,613 1,613 1,607 
Beginning reserve for unfunded credit commitments131 117 116 121 111 
Provision for (benefit from) unfunded credit losses1 14 1 (5)10 
Ending reserve for unfunded commitments132 131 117 116 121 
Allowance for credit losses (ACL) at period end$1,713 $1,743 $1,730 $1,729 $1,728 
21
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third Quarter 2025 Earnings Release
Asset Quality (continued)
As of and for Quarter Ended
($ amounts in millions)9/30/20256/30/20253/31/202512/31/20249/30/2024
Net loan charge-offs as a % of average loans, annualized (1):
Commercial and industrial0.37 %0.49 %0.38 %0.31 %0.44 %
Commercial real estate mortgage—owner-occupied0.04 %— %0.14 %0.10 %0.09 %
Commercial real estate construction—owner-occupied(0.01)%(0.01)%(0.84)%(0.01)%(0.01)%
Total commercial0.34 %0.45 %0.35 %0.29 %0.41 %
Commercial investor real estate mortgage1.82 %0.10 %1.38 %1.49 %0.71 %
Commercial investor real estate construction— %— %— %— %(0.01)%
Total investor real estate1.41 %0.07 %1.02 %1.12 %0.52 %
Residential first mortgage0.01 %— %— %— %(0.01)%
Home equity—lines of credit(0.12)%(0.05)%(0.04)%(0.01)%(0.08)%
Home equity—closed-end(0.01)%(0.01)%(0.01)%(0.03)%(0.01)%
Consumer credit card3.94 %4.24 %4.18 %3.94 %3.84 %
Other consumer2.83 %2.50 %2.68 %2.66 %2.37 %
Total consumer0.67 %0.63 %0.66 %0.66 %0.58 %
Total0.55 %0.47 %0.52 %0.49 %0.48 %
Non-performing loans, excluding loans held for sale$758 $776 $843 $928 $821 
Non-performing loans held for sale12 16 26 — 7 
Non-performing loans, including loans held for sale770 792 869 928 828 
Foreclosed properties18 16 15 14 17 
Non-performing assets (NPAs)$788 $808 $884 $942 $845 
Loans past due > 90 days (2)
$154 $171 $178 $166 $183 
Criticized loans—business (3)
$3,682 $4,608 $4,918 $4,716 $4,692 
Credit Ratios (1):
ACL/Loans, net1.78 %1.80 %1.81 %1.79 %1.79 %
Allowance for credit losses to non-performing loans, excluding loans held for sale226 %225 %205 %186 %210 %
Non-performing loans, excluding loans held for sale/Loans, net0.79 %0.80 %0.88 %0.96 %0.85 %
NPAs (ex. 90+ past due)/Loans, foreclosed properties, and non-performing loans held for sale0.82 %0.84 %0.92 %0.97 %0.87 %
NPAs (inc. 90+ past due)/Loans, foreclosed properties, and non-performing loans held for sale (2)
0.98 %1.01 %1.11 %1.15 %1.06 %
(1)Amounts have been calculated using whole dollar values.
(2)Excludes guaranteed residential first mortgages that are 90+ days past due and still accruing. Refer to the footnotes on page 23 for amounts related to these loans.
(3)Business represents the combined total of commercial and investor real estate loans.
Allowance for Credit Losses
Nine Months Ended September 30
($ amounts in millions)20252024
Balance at January 1$1,729 $1,700 
Net charge-offs371 339 
Provision for loan losses339 370 
Provision for unfunded credit losses16 (3)
Balance at September 30
$1,713 $1,728 
Net loan charge-offs as a % of average loans, annualized (GAAP) (1)
0.52 %0.47 %




22
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third Quarter 2025 Earnings Release
Non-Performing Loans (excludes loans held for sale)
 As of
($ amounts in millions, %'s calculated using whole dollar values)9/30/20256/30/20253/31/202512/31/20249/30/2024
Commercial and industrial$524 1.06 %$391 0.79 %$418 0.85 %$408 0.82 %$430 0.87 %
Commercial real estate mortgage—owner-occupied41 0.85 %45 0.92 %40 0.83 %37 0.76 %43 0.88 %
Commercial real estate construction—owner-occupied1 0.43 %1 0.46 %1 0.41 %5 1.43 %6 1.75 %
Total commercial566 1.04 %437 0.80 %459 0.85 %450 0.82 %479 0.87 %
Commercial investor real estate mortgage137 1.92 %283 4.08 %327 5.14 %423 6.45 %287 4.38 %
Total investor real estate137 1.51 %283 3.12 %327 3.71 %423 4.86 %287 3.26 %
Residential first mortgage24 0.12 %24 0.12 %25 0.12 %23 0.12 %23 0.11 %
Home equity—lines of credit24 0.73 %26 0.79 %26 0.82 %26 0.81 %26 0.85 %
Home equity—closed-end7 0.31 %6 0.26 %6 0.27 %6 0.25 %6 0.24 %
Total consumer55 0.17 %56 0.17 %57 0.17 %55 0.17 %55 0.17 %
Total non-performing loans$758 0.79 %$776 0.80 %$843 0.88 %$928 0.96 %$821 0.85 %

Early and Late Stage Delinquencies
Accruing 30-89 Days Past Due Loans
As of
($ amounts in millions, %'s calculated using whole dollar values)9/30/20256/30/20253/31/202512/31/20249/30/2024
Commercial and industrial $63 0.13 %$67 0.14 %$68 0.14 %$69 0.14 %$82 0.16 %
Commercial real estate mortgage—owner-occupied10 0.21 %8 0.17 %3 0.07 %5 0.12 %4 0.09 %
Commercial real estate construction—owner-occupied— — %— — %— — %— — %— 0.10 %
Total commercial73 0.13 %75 0.14 %71 0.13 %74 0.14 %86 0.16 %
Commercial investor real estate mortgage28 0.40 %— — %20 0.31 %— — %45 0.70 %
Commercial investor real estate construction— — %1 0.05 %— — %— — %— — %
Total investor real estate28 0.31 %1 0.01 %20 0.23 %— — %45 0.52 %
Residential first mortgage—non-guaranteed (1)
132 0.68 %114 0.58 %119 0.61 %155 0.79 %115 0.58 %
Home equity—lines of credit28 0.89 %25 0.77 %23 0.72 %24 0.76 %24 0.77 %
Home equity—closed-end 14 0.57 %11 0.48 %13 0.56 %17 0.68 %12 0.50 %
Consumer credit card20 1.40 %20 1.46 %19 1.37 %20 1.39 %19 1.36 %
Other consumer68 1.18 %66 1.11 %68 1.15 %77 1.26 %68 1.09 %
Total consumer (1)
262 0.81 %236 0.73 %242 0.75 %293 0.89 %238 0.72 %
Total accruing 30-89 days past due loans (1)
$363 0.38 %$312 0.32 %$333 0.35 %$367 0.38 %$369 0.38 %
Accruing 90+ Days Past Due LoansAs of
($ amounts in millions, %'s calculated using whole dollar values)9/30/20256/30/20253/31/202512/31/20249/30/2024
Commercial and industrial$4 0.01 %$19 0.04 %$22 0.05 %$7 0.01 %$3 0.01 %
Commercial real estate mortgage—owner-occupied2 0.05 %1 0.02 %1 0.01 %1 0.02 %1 0.02 %
Total commercial6 0.01 %20 0.04 %23 0.04 %8 0.01 %4 0.01 %
Commercial investor real estate mortgage— — %— — %— — %— — %40 0.60 %
Total investor real estate— — %— — %— — %— — %40 0.45 %
Residential first mortgage—non-guaranteed (2)
84 0.43 %89 0.46 %93 0.47 %88 0.45 %75 0.38 %
Home equity—lines of credit14 0.43 %12 0.38 %13 0.42 %16 0.52 %16 0.52 %
Home equity—closed-end 7 0.30 %7 0.30 %6 0.26 %7 0.30 %7 0.27 %
Consumer credit card20 1.42 %20 1.39 %21 1.49 %20 1.41 %19 1.40 %
Other consumer23 0.39 %23 0.39 %23 0.38 %27 0.44 %22 0.36 %
Total consumer (2)
148 0.46 %151 0.47 %156 0.48 %158 0.48 %139 0.43 %
Total accruing 90+ days past due loans (2)
$154 0.16 %$171 0.18 %$179 0.19 %$166 0.17 %$183 0.19 %
Total delinquencies (1) (2)
$517 0.54 %$483 0.50 %$512 0.54 %$533 0.55 %$552 0.57 %
(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. Total 30-89 days past due guaranteed loans excluded were $62 million at 9/30/2025, $57 million at 6/30/2025, $52 million at 3/31/2025, $62 million at 12/31/2024, and $52 million at 9/30/2024.
(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. Total 90 days or more past due guaranteed loans excluded were $48 million at 9/30/2025, $44 million at 6/30/2025, $53 million at 3/31/2025, $55 million at 12/31/2024, and $46 million at 9/30/2024.
23
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third 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 and expressions 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, 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 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.
24
Regions Financial Corporation and Subsidiaries                                
Financial Supplement (unaudited) to Third 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 U.S. presidential administration, 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.

25
Internal Use 3rd Quarter Earnings October 17, 2025 Exhibit 99.3

 
2 Third Quarter Overview Continue to deliver consistent, sustainable long-term performance (1) Non-GAAP, see appendix for reconciliation. In certain instances no adjustments have been made and the resulting "adjusted" figure is therefore equal to the reported amount and no reconciliation has been provided. (2) Peers include CFG, CMA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SNV, TFC, USB, ZION. Key Performance Metrics 3Q25 Reported Adjusted(1) Net Income Available to Common Shareholders $548M $561M Diluted Earnings Per Share $0.61 $0.63 Total Revenue $1,916M $1,941M Non-Interest Expense $1,103M $1,111M Pre-Tax Pre-Provision Income(1) $813M $830M Efficiency Ratio 57.2% 56.9% Net-Charge Offs / Avg Loans 0.55% 0.55% Return on Average Tangible Common Equity(1) 18.81% 19.24% Highlights • Consistently generating top-quartile returns in our peer group(2) • Achieved record revenue in both Wealth Management and Capital Markets (ex CVA), reflecting strong client activity and execution across businesses • Continued focus on disciplined capital allocation and risk-adjusted returns • Benefiting from loyal customer base, attractive footprint & diverse balance sheet with solid capital, robust liquidity and prudent credit risk management • Delivering consistent, sustainable, long-term performance while remaining focused on soundness, profitability, & growth

 
3 QoQ Highlights & Outlook • Avg loans grew ~1% while ending loans declined ~1% • Avg business loans grew 1% driven by C&I and real estate • Quarterly avg growth in financial services, gov't & public sectors, commercial durable goods manufacturing, and utilities within C&I, along with modest CRE growth, partially offset by portfolio shaping and focus on risk-adjusted returns ◦ Exited ~$900M in targeted higher-risk leveraged loans YTD; ~$300M remaining ◦ ~$700M of loans refinanced through Capital Markets amid record activity • Pipelines have almost doubled YoY and commitments are up ~$2B YTD; Utilization rates remain below historical norms, positioning us for growth as the macro backdrop improves • Avg consumer loans remained relatively stable, as growth in avg credit card and home equity was offset by modest declines across other categories • We now expect FY25 average loan balances to remain relatively stable compared to 2024 $96.8 $96.7 $96.1 $63.6 $63.8 $63.4 $33.2 $32.9 $32.7 3Q24 2Q25 3Q25 $97.0 $96.1 $96.6 $63.8 $63.2 $63.8 $33.2 $32.9 $32.8 3Q24 2Q25 3Q25 Average Loans & Leases ($ in billions) Business LoansConsumer Loans Ending Loans & Leases ($ in billions) Loans Client sentiment, pipelines, production and commitments continue improving

 
4 QoQ Highlights & Outlook • Deposits remain strong overall reflecting continued strength in client retention and relationship growth • Consumer deposits performed slightly ahead of seasonal norms, with competitive offers in priority markets achieving costs and balances in line with expectations • Corporate Banking Group continued to drive solid performance, with avg balances up more than 1% • NIB mix has remained steady in the low 30% range, despite IB deposit growth • We now expect FY25 avg balances to be up low single digits compared to 2024 $126.4 $130.9 $130.3 $78.9 $80.0 $79.7 $37.0 $40.1 $40.4 $7.5 $7.3 $7.6 $3.0 $3.5 $2.6 3Q24 2Q25 3Q25 $126.0 $129.4 $129.6 $78.9 $79.9 $79.7 $36.9 $39.2 $39.7 $7.4 $7.3 $7.3 $2.8 $3.0 $2.9 1.60% 1.39% 1.39% 3Q24 2Q25 3Q25 (1) Other deposits represent non-customer balances primarily consisting of wholesale funding (for example, Eurodollar trade deposits, selected deposits and brokered time deposits). (2) IB deposit costs were 2.01%, 1.99%, and 2.34% in 3Q25, 2Q25, and 3Q24, respectively. Average Deposits by Segment ($ in billions) Deposits Relationship deepening and customer acquisition support positive deposit trends Wealth Mgt Other(1) Consumer Bank Corporate Bank Ending Deposits by Segment ($ in billions) Total Deposit Costs(2)

 
5 $1,259 1,245 $1,257 NII & Margin Performance NII positioned for future growth (1) Lower hedge income mostly from a single quarter of lower loan hedge notional in 2Q25 and a decline in hedge deferred gain amortization. (2) Market rate impacts include contractual loan, cash and borrowings repricing; fixed asset turnover at higher market rates; loan and securities spread migration; and securities premium amortization net discount accretion. (3) Measuring from 3Q24 interest-bearing costs and peak Fed Funds of 5.50%. Deposit Cost / Balance Market Rates(2)/ Spreads 3Q25 2Q25 +2bps -2bps-3bps +$8M +$6M-$9MNII NIM -$5M -1bps $1,230 $1,271 $1,269 3.54% 3.65% 3.59% 3Q24 2Q25 3Q25 NII NIM -$2M FTE NII and NIM ($ in millions) NII Attribution ($ in millions) -$2M - -6bps OtherHedges(1) Loan Balances Additional Day -1bps +$3M • NII -0.2% QoQ; NIM decreased 6bps to 3.59% • Modest NII growth when compared to 2nd quarter excluding non- recurring items, driven primarily by balance sheet repricing ◦ Elevated long-term interest rates continue to benefit new production fixed-rate asset yields ◦ 3Q production minus runoff yield +125bps on ~$3B • Mostly stable deposit costs; ability to manage lower in 4Q ◦ 3Q interest-bearing deposit cost = 2.01% (+2bps QoQ) ◦ 3Q cycle to date interest-bearing deposit beta(3) = 32% Future NII and NIM Expectations • 4Q25 NII expected to increase 1 – 2% vs 3Q25, from positive asset turnover, a well-protected balance sheet in a falling rate environment, 3Q securities repositioning, and loan growth ◦ 4Q25 NIM in the mid 3.60%s, increasing trend from here • FY25 NII now expected to grow between 3 – 4% Credit Interest Recovery 3Q NII and NIM Drivers 2Q25 excluding one-time items -1bps ~1% NII growth excluding 2Q one-time items -$3M

 
6 $48 $8 $(18) $(3) $2 • Front-book/back-book tailwind - $12B to $14B of annual fixed-rate loan production and securities reinvestment at 1.10% to 1.40% higher yields than those maturing is a primary driver of NII growth • Benefit from higher rates/steepening curve - remain modestly asset sensitive to middle/long-term rate changes given impact on production/reinvestment yields Qtr 1 Qtr 2 Qtr 3 Qtr 4 NII Positioning for Changing Rate Environment Mostly "Neutral" interest rate risk position protected from fed funds cuts • Hedging - offsets contractual floating rate exposure and creates a mostly neutral interest rate risk position, where the number of fed funds cuts are not expected to be a material driver of NII variability • Key Assumption: Deposit Costs/Beta - mid-30%s falling rate interest-bearing deposit beta achievable to protect NII from fed funds cuts ◦ 4Q25 large CD repricing ($5.5B maturing at 3.7% rate) ◦ 36% of interest-bearing deposit balances are market priced(2) / indexed Adds Floating Rate Exposure Reduces Floating Rate Exposure (1) 9/30/25 balance sheet except for cash, which uses expected operating level due to elevated quarter-end balances; Floating rate loans excludes mortgage ARMs. Cash adjusted short-term tenors include all rate tenors 12 months and shorter; middle/long-term tenors include those beyond 1 year. (2) As of 3Q25; Market priced defined as deposits with rate above 350bps and corporate sweep deposits, as well as any additional time deposits maturing in the coming 6 months. Loans Cash $(33) Net Asset Hedges Debt (incl. Hedges) Beta-adjusted IB Deposits Residual Exposure Front-book / back- book benefit (current rates = 4.10% 10-yr US Treasury yield) Floating Rate Balance Sheet Exposure(1) ($B) Future NII Benefit from Fixed-Rate Asset Turnover 10yr UST -0.50% -$30M to -$35M full year vs forwards Sensitivity to short-term rates Sensitivity to middle/long-term rates 10yr UST +0.50% adds +$30M to +$35M full year vs forwards

 
7 QoQ Highlights & Outlook • NIR increased 2% on an reported basis and 6% on an adjusted basis,(1) which included a $25M pre-tax loss on securities repositioning in 3Q • Service charges increased 6% driven by increased account openings, seasonally higher activity and one additional business day in the quarter • Wealth Management income rose 5%, marking a third consecutive record quarter driven by strong sales and favorable markets • Record Capital Markets (Ex CVA) revenue increased 22% attributable to higher M&A advisory, commercial swaps, loan syndications, and debt underwriting; 4Q25 revenue expected to be in the $95 – $105M range • Mortgage income down 21%, driven by a favorable $13M MSR valuation adjustment in 2Q that did not repeat • Other NIR increased, reflecting $6M of low-income housing investment revenue and a $5M gain on the sale of commercial leasing equipment, along with higher tax credit disposition fees and small business investment company income • We now expect FY25 adjusted non-interest income to grow between 4 – 5% vs PY $650 $646 $684 3Q24 2Q25 3Q25 ($ in millions) Change vs 3Q25 2Q25 3Q24 Service Charges – Consumer(2) $99 10.0% (1.0)% Service Charges – Corporate(3) $61 1.7% 5.2% Wealth Management Income 139 4.5% 8.6% Card and ATM Fees 122 (2.4)% 3.4% Capital Markets (Ex CVA/DVA) 104 22.4% 11.8% Mortgage Income 38 (20.8)% 5.6% Non-Interest Income Record performance across key fee businesses, reflecting broad-based strength and sustained momentum (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. $572 $646 $659 3Q24 2Q25 3Q25 Non-Interest Income ($ in millions) Adj. Non-Interest Income(1) ($ in millions)

 
8 QoQ Highlights & Outlook • NIE increased 3% on a reported basis and 4% on an adjusted(1) basis, driven primarily by salaries & benefits • Salaries & benefits increased 2%, reflecting higher health insurance-related costs, revenue-based incentives, and growth initiative hires • Visa Class B shares expense increased, reflecting the company's proportional share of Visa's recent escrow funding • We now expect FY25 adjusted NIE (inclusive of investments) to be up ~2%; Anticipate generating full-year adjusted positive operating leverage closer to the lower end of our 150 – 250bps range $1,069 $1,073 $1,103 59.3% 56.0% 57.2% Non-interest expense Efficiency ratio 3Q24 2Q25 3Q25 $1,069 $1,073 $1,111 $22 $— 56.9% 56.0% 56.9% Adjusted non-interest expense Incremental operational losses Adjusted efficiency ratio 3Q24 2Q25 3Q25 Non-Interest Expense (1) (1) Non-Interest Expense ($ 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 $135 $22 Adjusted non-interest expense Incremental operational losses Include expenses associated with acquisitions 2016 2017 2018 2019 2020 2021 2022 2023 2024 2.8% CAGR Adj. Non-Interest Expense(1) ($ 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.

 
9 QoQ Highlights & Outlook • 3Q annualized NCOs totaled 55bps, reflecting continued resolution progress within previously identified portfolios of interest already reserved for • NPLs improved 1bp to 79bps; Business services criticized loans declined 20% as upgrades outpaced downgrades • Provision of $105M, $30M below NCOs, reflecting improving credit metrics; ACL ratio declined 2bps to 1.78%, while coverage of NPLs increased to 226% • FY25 NCOs expected to be ~50bps as portfolios of interest continue to be resolved; 4Q losses expected to remain elevated as we continue to resolve credits in POI, with continued improvement through 2026 Asset Quality Credit performance improving; metrics tracking favorably $1,728 $1,743 $1,713 1.79% 1.80% 1.78% 210% 225% 226% ACL ACL/Loans ACL/NPLs 3Q24 2Q25 3Q25 $117 $113 $135 0.48% 0.47% 0.55% NCOs NCOs Ratio 3Q24 2Q25 3Q25 $821 $776 $758 0.85% 0.80% 0.79% NPLs - excluding LHFS NPL/Loans 3Q24 2Q25 3Q25 (1) $ in Millions. Net Charge-Offs(1) Allowance for Credit Losses (ACL)(1) Non-Performing Loans (NPLs)(1)

 
10 QoQ Highlights & Outlook • Declared 3Q common dividends of $235M and executed $251M in share repurchases • Dividend payout target of 40-50% of earnings • In near term, expect to manage adjusted CET1(1)(4) (inclusive of AOCI) around the mid-point of our 9.25 – 9.75% operating range • Common book value per share of $19.98 and tangible common book value per share(4) of $13.49, a 7% and 10% increase respectively YoY • Total Liquidity Sources well above required levels as informed by internal liquidity stress testing • Including capacity at the discount window, liquidity to uninsured deposits ratio is ~181%(5) 10.6% 10.8% 10.8% 3Q24 2Q25 3Q25 Capital and Liquidity Managing capital flexibility to support growth and shareholder returns 12.0% 11.9% 11.9% 3Q24 2Q25 3Q25 Tier 1 Capital Ratio(1) Common Equity Tier 1 Ratio(1) Position ($B) as of 2Q25 3Q25 Cash at the Federal Reserve(2) $ 7.8 $ 9.0 Unencumbered Investment Securities(3) 25.3 26.2 Federal Home Loan Bank Availability 11.0 10.2 Discount Window Availability 20.6 23.1 Total $ 64.7 $ 68.5 (1) Current quarter ratios are estimated. (2) Fed master account closing balance only. Does not include other small in transit / processing items included in Call Report or SEC reports. (3) Unencumbered Investment Securities comprise securities that are eligible as collateral for secured transactions through market channels or are eligible to be pledged to the Federal Home Loan Bank, the Federal Reserve Discount Window, or the Standing Repo Facility. (4) Non-GAAP; see appendix for reconciliation. (5) This ratio excludes intercompany and secured deposits. Total Liquidity Sources

 
11 Common Equity Tier 1 10.8% 10.8% 10.8% 10.8% 8.8% 9.1% 9.3% 9.5% Reported CET1 Ratio Adjusted CET1 Inclusive of AOCI Operating Range 4Q24 1Q25 2Q25 3Q25 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 increased linked-quarter given lower interest rates as well as solid capital accretion and volatility management activities in the quarter ◦ CET1 adjusted to include AOCI at 9/30 improved 20 bps to an estimated 9.5%(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 Volatility Management • During the quarter, added $670mm of Pay Fixed swaps vs AFS securities ◦ In total, $5.1B Pay Fixed Fair Value swaps vs AFS securities (mostly offset with Receive Fixed Cash Flow swaps vs loans to maintain desired sensitivity) • 18% of Securities Portfolio classified as Held-To-Maturity • Over time, we will consider additional actions to further manage AOCI volatility: ◦ Held-to-Maturity ◦ Derivative Hedging ◦ Asset Selection (1) (1) Current quarter ratio is estimated. (2) Non-GAAP; see appendix for reconciliation. (2) Operating Range | 9.25% - 9.75%

 
12 Expectations for 4Q25 & FY25(3) • 4Q25 NII to increase 1 – 2% vs 3Q25 • 4Q25 NIM in the mid 3.60%s • Expect Capital Markets revenue to be in the $95 – $105M range in 4Q25 • 4Q25 NCOs to remain elevated as we continue to resolve credits in the portfolios of interest • In the near term, expect to manage adjusted CET1(1)(2) (inclusive of AOCI), around the mid-point of our 9.25 – 9.75% operating range 2025 Expectations (1) Non-GAAP, see appendix for reconciliation of historical amounts. (2) Due to the complexity and inherent difficulty in forecasting the occurrence and the financial impact of various items that have not yet occurred, are out of the Company’s control or cannot be predicted without unreasonable effort, a reconciliation of these forward-looking non-GAAP measures to their most directly comparable GAAP financial measures has not been provided. The reconciliation of these forward-looking non-GAAP financial measures to their comparable GAAP financial measures following the end of 2025 is expected to be consistent with the historical reconciliation of such measures. (3) Current expectations assume recent market rate levels including an ~4.10% 10-year Treasury yield and between one and two additional 25 basis point Fed Funds cuts this year. Previous FY25 Expectations Current FY25 Expectations Net Interest Income (vs. 2024 of $4,818) up 3 – 5% up 3 – 4%(3) Adjusted Non-Interest Income (vs. adjusted 2024 of $2,473)(1) up 2.5 – 3.5%(2) up 4 – 5%(2) Adjusted Non-Interest Expense (vs. adjusted 2024 of $4,227)(1) up 1 – 2%(2) (Inclusive of investments) up ~2%(2) (Inclusive of investments) Adjusted Positive Operating Leverage(1)(2) 150 – 250 bps 150 – 250 bps (Expect to be toward lower end) Average Loans (vs. 2024 of $97,036) stable to up modestly relatively stable Average Deposits (vs. 2024 of $126,615) up modestly up low single digits Net Charge-Offs / Average Loans 40 – 50 bps (Expect to be toward upper end) ~50 bps Effective Tax Rate 20 – 21% ~20%

 
Internal Use Appendix

 
14 Longstanding Strategic Priorities Committed to: • Diversified Revenue Streams • Appropriate Risk Adjusted Returns • Disciplined Expense Management Profitability Strategically Investing in: • Top quartile organic loan & deposit growth over the last 5 yrs vs. peers(1) • Opportunities to leverage superior growth of the core footprint: 3.5% projected population growth; Top 3 among peer group(2) • Non-bank M&A, expanding products and capabilities • Talent, technology, products & services, driving organic growth Growth Relentless focus on: • Client selectivity • Credit Risk Management • Interest Rate Risk Management • Capital and Liquidity Management • Operational & Compliance Risk Management Soundness (1) Source: S&P Cap IQ and SEC Reporting. Avg loan and deposit balance changes from FY19 to FY24. Peer balances have been adjusted for merger & acquisition activity: CFG, FHN, FITB, HBAN, HWC, MTB, PNC, SNV, TFC, USB. Other peers include CMA, KEY, ZION. (2) Source: S&P Cap IQ. Generating Consistent Sustainable Long-term Performance

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

 
16 Driving Shareholder Value Soundness: Peer-leading dividend growth while actively managing share count Post-Financial Crisis Maximum 2Q25 Period Shares Outstanding (MM) Shares Outstanding (MM)(1) Decline RF 3Q12 1,423 900 (36.8)% Peer 12 4Q11 198 132 (33.3)% Peer 6 1Q17 211 147 (30.1)% Peer 2 1Q12 957 674 (29.6)% Peer 1 1Q14 539 397 (26.3)% Peer 3 3Q14 560 437 (22.1)% Peer 7 2Q11 1,929 1,559 (19.2)% Peer 4 1Q19 163 140 (14.3)% Peer 8 4Q22 178 160 (10.2)% Peer 10 2Q22 572 514 (10.2)% Peer 9 4Q20 1,362 1,305 (4.2)% Peer 5 4Q18 88 86 (2.7)% Peer 13 3Q21 1,487 1,481 (0.4)% Peer 11 2Q25 1,107 1,107 —% 6 Yr Dividend Growth CAGR 10.1% 9.1% 9.1% 7.6% 7.2% 6.8% 6.2% 5.1% 5.1% 4.3% 3.8% 3.2% 2.8% 1.7% RF Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Peer 12 Peer 13 Source: S&P Capital IQ. Dividend growth CAGR calculated as of 4Q24 through 4Q18. Peers include CFG, CMA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SNV, TFC, USB, ZION. (1) Weighted-average diluted shares outstanding.

 
17 3 Year Total Shareholder Return 78% 58% 52% 51% 50% 49% 47% 38% 38% 25% 24% 24% 13% 10% Peer 1 Peer 2 Peer 3 Peer 4 RF Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 1 0 Peer 1 1 Peer 1 2 Peer 1 3 5 Year Total Shareholder Return 281% 187% 179% 178% 162% 155% 152% 136% 129% 126% 119% 100% 67% 52% Peer 5 Peer 1 3 RF Peer 6 Peer 1 Peer 2 Peer 1 0 Peer 4 Peer 9 Peer 1 2 Peer 3 Peer 8 Peer 7 Peer 1 1 Total Shareholder Return 10 Year Total Shareholder Return 317% 233% 221% 210% 205% 168% 145% 145% 129% 122% 115% 115% 91% 68% RF Peer 2 Peer 1 Peer 3 Peer 5 Peer 9 Peer 4 Peer 1 2 Peer 6 Peer 1 3 Peer 8 Peer 1 0 Peer 1 1 Peer 7 Peer Median: 38% Peer Median: 136% Peer Median: 145% As of 9/30/2025. Peers include CFG, CMA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SNV, TFC, USB, ZION. Profitability: Strong track record of Shareholder Returns

 
18 Regions' Consistent Outperformance Adjusted PPI(1) Less Net Charge-offs to RWA(2) Regions' earnings, including credit costs, have been top quartile vs peers since 2019 1.96% 1.99% 2.30% 2.47% 2.31% 2.09% 2.21% 1.95% 1.78% 1.88% 1.96% 1.73% 1.64% RF Peer Median 2019 2020 2021 2022 2023 2024 Sep YTD 2025 (1) Non-GAAP; see Appendix for reconciliation. (2) Source: S&P Capital IQ. Risk-weighted Assets (RWA) used in the analysis represents the simple average of the 4 quarterly disclosed amounts for each year (some peers are estimated in the current quarter). Peers include CFG, CMA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SNV, TFC, USB, ZION. Profitability: Sustained advantage in risk efficiency

 
19 9.0% 9.7% 11.0% 17.6% 14.9% 9.2% 21.4% 24.1% 21.9% 17.8% 18.6% 12.0% 11.0% 12.0% 17.0% 14.7% 8.5% 16.5% 19.3% 16.4% 14.3% RF Peer Median 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Sep YTD 2025 (1) Non-GAAP; see Appendix for RF reconciliation. Peers' source is S&P Cap IQ and includes CFG, CMA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SNV, TFC, USB, ZION. (2) As of 12/31/2024. Rank: 1 Rank: 1 Rank: 1Rank: 1 5 Year EPS CAGR 8% 7% 5% 4% 1% —% (1)% (1)% (2)% (3)% (4)% (9)% Peer 1 Peer 2 RF Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 1 0 Peer 1 1 10 Year EPS CAGR 11% 10% 9% 9% 7% 7% 7% 7% 5% 5% 4% 2% Peer 3 Peer 2 RF Peer 9 Peer 4 Peer 1 0 Peer 7 Peer 1 Peer 6 Peer 1 1 Peer 5 Peer 8 Peer Leading ROATCE(1) For 4 Straight Years Peer Median: (1)% Peer Median: 7% (2) (2) Leading with Consistently Strong Growth Metrics Profitability: Supports a higher P/E multiple

 
20 Tangible Book Value Growth plus Dividends 3 Yr CAGR of TBV + Dividends 20.4% 18.7% 16.7% 16.2% 15.2% 14.2% 12.9% 12.8% 12.2% 12.2% 11.9% 11.6% 9.3% 6.9% Peer 1 RF Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Peer 12 Peer 13 5 Yr CAGR of TBV + Dividends 15.3% 14.9% 14.8% 14.6% 14.2% 13.9% 13.4% 13.2% 12.8% 12.6% 12.0% 11.9% 11.6% 10.4% Peer 1 Peer 7 RF Peer 2 Peer 6 Peer 9 Peer 4 Peer 8 Peer 5 Peer 11 Peer 10 Peer 13 Peer 3 Peer 12 As of 12/31/2024. Peers include CFG, CMA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SNV, TFC, USB, ZION. Profitability: 3 and 5 yr CAGR excluding AOCI

 
21 Top Quartile Organic Loan and Deposit Growth Growth: Consistent, disciplined growth 5 Yr Loan Growth excl. Bank M&A 21% 18% 17% 12% 12% 11% 7% 7% 2% 1% 1% (3)% (4)% (5)% Peer 1 Peer 2 RF Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 1 0 Peer 1 1 Peer 1 2 Peer 1 3 Source: S&P Cap IQ and SEC Reporting. Avg loan & deposit balance changes cover FY19 to FY24. Peer balances have been adjusted for bank merger & acquisition activity: CFG, FHN, FITB, HBAN, HWC, MTB, PNC, SNV, TFC, USB. Other peers include CMA, KEY, ZION. Peer median excludes RF. Peer Median: 7% 5 Yr Deposit Growth excl. Bank M&A 36% 34% 33% 27% 23% 21% 18% 16% 16% 15% 14% 11% 8% 4% Peer 1 RF Peer 2 Peer 4 Peer 1 1 Peer 8 Peer 5 Peer 9 Peer 6 Peer 1 0 Peer 1 2 Peer 7 Peer 3 Peer 1 3 Peer Median: 16%

 
22 Strong Growth Profile Attractive Footprint and Strong Brand Presence Growth: Home field advantage in the southeast Regions HQ Retail Branch Footprint Specialized Lending Nationwide Winning in Core Markets Building trust & serving clients for over 170 years Strong Profitability/Returns Supported by: ☑ Low Cost Core Deposits ☑ Strong Brand ☑ Loyal Customer Base ☑ Employer / Bank of Choice 18th Ranked 18th in the U.S. in total deposits(1) ~70% Top 5 market share in ~70% of MSAs across 15-state footprint(1) ~90% ~90% of deposits reside in top 8 states by deposits ~$5,100 Average consumer NIB account balance(3) 7 of 8 Unemployment rates in 7 of our top 8 deposit states remain at or below the national average(2) 3.5% Regions' deposit weighted population growth by MSA for 2026-2031 is 3.5% vs. national average of 2.6%(1) 16 of 25 16 of Regions' top 25(1) MSAs are projected to grow faster than the U.S. national average (1) Source: S&P Cap IQ. Top 25 market share as defined by deposit dollars - FDIC as of 6/30/2025; pro-forma for announced M&A transactions as of 10/07/2025. Top 5 share based on MSA and non-MSA counties. S&P's demographic data is provided by Claritas based primarily on U.S. Census data. (2) Source: U.S. Bureau of Labor Statistics. (3) Based on 3Q25 average balances.

 
23 Deposit Advantage Key to Franchise Value Growth: Outperforming deposit growth & disciplined pricing FY24 Total Deposit Cost (%) Av g. T ot al D ep os it Gr ow th 1.50 2.00 2.50 3.00 —% 10% 20% 30% 40% RF Peer Median 5 Year Deposit Growth vs Current Deposit Costs(1) Above industry median growth w/ meaningfully lower cost (worth ~60bps of NIM) 1. 39 % 1. 39 % 1. 64 % 1. 67 % 1. 68 % 1. 72 % 1. 74 % 1. 79 % 1. 84 % 1. 84 % 1. 98 % 2. 01 % 2. 02 % 2. 08 % 2. 22 % RF 3Q25 RF Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Peer 12 Peer 13 2Q25 Total Deposit Cost vs Peers(1) (1) Source: S&P Cap IQ and SEC Reporting. Avg deposit balance changes cover FY19 to FY24. Peer balances have been adjusted for bank merger & acquisition activity: CFG, FHN, FITB, HBAN, HWC, MTB, PNC, SNV, TFC, USB. Other peers include CMA, KEY, ZION. Peer median excludes RF. 3.21% 2.85% 3.36% 3.90% 3.54% 3.59% 2.89% 2.72% 3.06% 3.06% 3.00% RF Peer Median 2020 2021 2022 2023 2024 Sep YTD 2025 Net Interest Margin vs. Peers(1) Low Cost Deposits Drive Franchise Value(1) #1 Lowest Total & IB Deposit costs among peers #2 2nd highest 5-year organic deposit growth #1 Uniquely positioned with combination of strong deposit growth & low deposit cost

 
24 ‘26-‘31 Population Growth 2.58% 3.53% 6.21% US Regions Footprint Priority Markets Priority Market Growth Opportunities(1) 5.7% 6.7% 4.2% 5.7% 8.3% 7.9% 7.3% 7.3% Nashville Tampa Atlanta Miami/SFL Orlando Huntsville Houston Dallas/FW Building on Our Success Growth: Strategic investments in priority markets driving deposit expansion (1) Priority markets include: Tampa, Orlando, Miami/SFL, Houston, Dallas/FW, Nashville, Atlanta, and Huntsville. (2) RF Deposits in Priority Markets as of June 2025. Data Source: FDIC Deposit Data. (3) Source: S&P Capital IQ. S&P's demographic data is provided by Claritas based primarily on U.S. Census data. All S&P Cap IQ data pulls as of 10/7/2025. (4) $ in billions. Nat'l avg: 2.6% Priority Markets '26-'31 Projected Population Growth(3) 58% vs. 41% Regions Deposit Growth(1) since '19 Outpacing Market Continuing to Invest in Priority Markets(2) Proven Track Record of Success... Maximizing Growth Opportunities (3) $1.6T Deposit Opportunity (RF $40B)(2) Building on success with incremental investments supporting growth while maintaining advantage in core businesses and markets. 7 of 8 Priority Markets(1) Gaining Share since 2019 $14.6B Deposit Growth in Priority Markets(1) since 2019 Deposits(4) Mkt Share Rank $9.6 9.7% 3 $7.5 8.4% 5 $6.3 2.6% 7 $5.7 1.7% 13 $2.9 4.1% 5 $2.7 22.2% 1 $2.4 0.7% 17 $2.8 0.7% 19

 
25 Over the next 3 years, will invest in Talent across the Footprint in key areas of opportunity: By hiring and converting skilled Bankers with local market expertise Commercial and Middle Market Associates ~90 Increase in Middle Market, Small Business Relationship Managers, & TM Bankers Consumer and Wealth ~300 Reskilling Branch Sales Bankers to Focus on Small Business Opportunities ~300 Reallocating Branch Bankers to Optimized Markets with Greatest Growth Potential ~50 Incremental Mortgage Loan Originators ~30 Incremental Wealth Associates Revenue Enablement ~100 Incremental Revenue Enablement roles supporting existing Bankers, including bankers above. Note - Hiring initiatives remain on track: ~64 incremental bankers and revenue enablement roles have been added through 9/30/2025; ~85% complete with reskilling and reallocating Branch Bankers Investing in Banker Expansion (1) Provides bill payment, accounts payable and receivable, and invoice generation – streamlining all the tools needed to run a business. (2) Provides real-time cash management analysis for clients. (3) Identifies personalized solutions for small business owners. (4) Insights for mortgage lending officers. (5) Small Business defined as companies with $0M-$5M in annual revenue. Growth represents average deposit FY19 through FY24. (6) Dunn & Bradstreet. Priority markets include: Tampa, Orlando, Miami/SFL, Houston, Dallas/FW, Nashville, Atlanta, and Huntsville. Investing in People and Technology Growth: Expanding talent and capabilities in markets with greatest opportunity ☐ Core Modernization ☐ Commercial Loan System ☐ Deposit System ☐ General Ledger ☑ New Native Mobile App ☐ Small Business Digital Origination Platform Investments in Technology Personalization Powered by AI ☑ CashFlowIQ(1) ☑ CashFlow Advisor(2) ☑ SmallBusinessIQ(3) ☑ Mortgage Analytics Pro(4) Small Business Opportunity ~12M Small Business Companies in Regions' Footprint (~400k RF customers today driving $2.6B or 30% avg. deposit growth since '19; $1.1B or 41% within priority growth markets)(5)(6) ~5M in priority markets

 
26 2.55 2.61 2.70 3Q23 3Q24 3Q25 4.14 4.78 5.76 3Q23 3Q24 3Q25 180 190 204 3Q23 3Q24 3Q25 22.9% 23.9% 23.7% 32.3% 31.6% 32.7% 44.8% 44.5% 43.6% Mobile ATM Branch 3Q23 3Q24 3Q25 74% 75% 78% 26% 25% 22% 3Q23 3Q24 3Q25 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 +39%+13% 32% 20% 31% 66% 79% 68% 2% 1% 1% Digital Branch Contact Center 3Q23 3Q24 3Q25 Consumer Checking Sales by Channel(4) Customer Satisfaction Zelle Transactions (Millions) Sales & TransactionsDigital Usage +6% (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) Includes cross-channel sales capabilities through digital banker dashboard applications. Additional fraud controls in digital channels placed in 4Q23. Active efforts to drive quality digital sales 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.

 
27 • Reskilling ~600 bankers to align talent depth with highest opportunity across key customer segments, including small business, mass affluent and young adult • Delivering on localized strategies leveraging key sponsorships and campus activations including conducting ~4k financial education workshops and ~500 campus events in 3Q25 • Digital channel YTD checking growth of 16% from digital funnel improvements • Mobile App users increased 3% YoY; New Mobile App launch complete. Early customer feedback is strong, and usage of key functionality like Zelle and chat at all time highs • Maintained competitive headline deposit rates driving balance growth while preserving our deposit cost advantage • Capital Markets income ex. CVA/DVA had a record quarter up 22% vs 2Q25 driven by higher M&A fees, Debt & Capital Raising revenue, and Financial Risk Management activity • Executing on the two-year Strategic Initiative driving growth across Commercial and Treasury Management, targeting 60% of banker hires by YE25 • Total client liquidity has increased for five consecutive quarters and is up 1.8% vs 2Q25 • Ascentium Capital YTD loan production is up 7.5%; contributing to growth are transactions originated through cross- marketing relationships with the Commercial Bank & Branch network • SBA production increased 31% YoY driven by stronger banker performance and disciplined focus on continuous improvement Investments in Our Businesses Investments in talent, technology and strategic acquisitions continue to pay off Corporate Consumer (1) Total Wealth Management Relationships as of Sep '24 to Sep '25. Total Private Wealth Relationships reported on a one-month lag. • Record 3Q25 NIR, up 5.1% QoQ • Relationship growth of 8.1% YoY(1) • 3Q25 average Loan balances up 1.2% YoY • Investing in our Associates through our Next Level Advisor Development Program and our Associate Advisor Program • Continued to bolstered in-house research to support strategic initiatives: including completion of a multi-stage research journey to understand current industry trends and gaps • Client satisfaction metrics continuing to grow, Institutional Services showed an increase of 4.8% in overall satisfaction score • Enhanced capabilities of Internal Portfolio Team through release of Internal Trade Request tool (ITR), ITR will allow for more efficient tracking and utilization of portfolio management Wealth

 
28 3Q25 Asset Hedging Activity 2025 2026 2027 2028 2029 2030 2031 $21.6B $22.1B $20.9B $18.9B $13.9B $13.3B $8.3B $3.5B $4.4B $4.4B $4.1B $4.0B $4.3B $4.2B $18.1B $17.7B $16.5B $14.8B $9.9B $9.0B $4.1B Asset Hedge Notional (Q ua rt er ly A vg ) 3.01% 3.08% 3.18% 3.37% 3.57% 3.58% 3.60% 3.78% 3.63% 3.63% 3.63% 3.65% 3.67% 3.67% (A nn ua l A vg ) as of 9/30/2025 3Q25 4Q25 1Q26 2Q26 Receive-Fixed, Cash Flow Swaps - Loans $21.7B $22.1B $22.7B $22.7B Pay-Fixed, Fair Value Swaps - AFS Securities $3.8B $4.3B $4.4B $4.4B Net Asset Swap Position(2) $17.9B $17.8B $18.3B $18.3B Cash Flow Swap Receive Rate(1) 3.06% 3.05% 3.05% AFS Fair Value Swap Pay Rate(1) 3.64% 3.64% 3.63% $2.0B $2.0B $2.0B $1.0B $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) Fair Value Hedging - Focused on decreasing AOCI volatility in the AFS portfolio • Added $0.7B in 2025 starting pay-fixed swaps (3.36%)(4) with avg maturity in 2032 (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) Cash flow swaps typically have a different day count convention than fair value swaps, resulting in a lower fixed rate. Cash Flow Hedging - Focused on decreasing NIM volatility • Added $2.5B in forward-starting received-fixed swaps (3.7%)(4) • Added $0.7B in received-fixed swaps (3.3%)(4) to offset interest rate risk associated with fair value, AOCI hedges

 
29 • Portfolio constructed to protect against changes in market rates ◦ Duration of ~4.0 years (AFS ~3.6 years) as of 9/30/2025; provides offset to long-duration deposit book ◦ ~24% of securities in the portfolio are bullet-like (CMBS, corporate bonds, agency bullets, and USTs) ◦ MBS mix concentrated in less sensitive prepayment collateral types: lower loan balances, seasoning, and state-specific geographic concentrations • 98% US Government or Agency guaranteed ◦ ~$440M 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 • 82% classified as Available-for-Sale; 18% Held-to-Maturity • Sold ~$520M of AFS securities, realizing $25M in pre-tax losses ◦ Proceeds were reinvested at higher current market yields; ◦ +2.4% above sales (~2.6yr payback) ◦ The portfolio mix, duration, and liquidity profile were largely unchanged • Reinvestment of paydowns/maturities accretive to portfolio yield by ~1.6% (excludes repositioning) Agency/UST 9% Agency MBS 74% Agency CMBS 16% Corp Bonds 1% Securities Portfolio Provides downside rate protection/liquidity Securities Portfolio Composition(1) $32.7B Securities AOCI Burn Down and Impact to CET1(2) AO CI L os s ( $M ) Cum ulative CET1 Im pact 571 545 444 668 645 554 $1,239 $1,191 $998 —% 0.04% 0.19% AFS HTM CET1 Impact 9/30/2025 YE 2025 YE 2026 $— $250 $500 $750 $1,000 $1,250 3Q25 Activity AFS, 82% HTM, 18% (1) Includes AFS securities, the $763M unrealized AFS loss, and HTM securities as of 09/30/2025. (2) Estimated Tax-Adjusted AOCI, current portfolio, market forward interest rates, and Risk Weighted Assets as of 09/30/2025 $32.7B

 
30 (1) NII estimate and payback assumptions use Market Forwards as of trade completion dates. (2) Point in time impact; portfolio duration is naturally shortening and repositioning provides offset. Securities Portfolio - Repositioning Provides efficient use of capital/downside rate protection Rationale for Securities Repositioning Efficient Capital Use Portfolio Management Favorable Market • Superior returns vs alternatives (including share repurchases) • Capital neutral w/ full AOCI look through Annual NII Impact (1) ($ in Millions) $43 $98 $90 $66 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q3 2025 2024 2025E 2026E 2027E • High absolute market rates and a steepening yield curve enhance attractiveness Repositioning Summary Multiple, distinct securities repositioning strategies occurred in 2024 and 2025 • Sold mostly shorter-duration agency CMBS • Replaced with residential agency MBS with favorable prepayment protection/profiles and higher market yields • Maintained duration on naturally shortening portfolio • Provides flexibility for relative value decision making • Replace short-duration bonds that provide little falling rate protection Execution $ Sold Losses Realized Purchase Yield - Sales Yield Payback Period (1) Duration Extension(2) Q1 2024 $1.3B $50M 1.9% 2.1yrs 0.15yrs Q2 2024 $980M $50M 2.4% 2.6yrs 0.07yrs Q3 2024 $1.3B $75M 2.6% 2.7yrs 0.18yrs Q4 2024 $696M $30M 2.2% 2.7yrs 0.04yrs Q1 2025 $478M $25M 2.9% 2.7yrs 0.05yrs Q3 2025 $516M $25M 2.4% 2.6yrs 0.04yrs Total $5.3B $255M 2.3% 2.5yrs 0.53yrs

 
31 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% 14% Co ns tr uc tio n an d La nd 2010 2020 2024 2010 2020 2024 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% 36% 36% 17% 14% % of Real Estate Loans % of Business Loans % of Energy Loans 2010 2020 2024

 
32 0.79% —% 0.50% 1.00% 1.50% 2.00% 2.50% 0.55% —% 0.50% 1.00% 1.50% 2.00% Historical Credit Profile Non-Performing Loans Total Net Charge-Offs 1Q20 3Q254Q221Q20 4Q22 3Q25 • 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

 
33 0.67% —% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 0.49% —% 0.50% 1.00% Consumer Net Charge-Offs(2) Commercial Net Charge-Offs(1) 1Q20 3Q25 4Q22 1Q20 4Q22 3Q25 (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

 
34 Commercial Real Estate (Outstanding balances as of September 30, 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 06/30/2025 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 8.4% Other 2.9% Hotel 4.6% Healthcare 7.9% Retail 7.2% Residential Land 0.4% Office 7.1% Data Center 2.3% Diversified 11.0% Industrial 15.6% Commercial Land 0.3% Self Storage 1.6% Apartments 30.7% $15.9B $ in billions % of Total Loans Unsecured CRE (incl. REITS) $ 6.8 7.1 % IRE 9.1 9.4 % Total(1) $ 15.9 16.5 % Yearly Loan Maturities 2% 6% 33% 29% 18% 8% 4% Multi-Family Office Other Real Estate Total Real Estate Matured 2025 2026 2027 2028 2029 >5years $— $1,000 $2,000 $3,000 Office 2% Data Center 3% Diversified 16% Apartments 7% Hotel 12% Industrial 30% Other 6% Self Storage 5% Retail 19% REITs within Total: $4.8B Key Portfolio Metrics • Unsecured loans for RE purposes generally have low leverage, with strong access to liquidity ◦ 62% 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): 107% and Construction, Land, and Acq. & Dev. to Risk Based Capital: 18% are well below supervisory limits (300%/100%)

 
35 CRE- Office Portfolio (Outstanding balances as of September 30, 2025) (1) $ in Millions. Amounts include IRE and CRE Unsecured loans but exclude Held For Sale loans. Metrics represent 09/30/2025 results except for charge-offs, which reflects results for the 9 months ended September 30, 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 October 6, 2025; applied the "Recent Peak" discount to properties where the latest appraisal is >1 year (36% 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 = 91% / unsecured = 9% • IRE WA LTV 67% (based on appraisal at origination or most recent received); Stressed IRE WA LTV 88% using GreenStreet(2) • 62% of secured outstanding IRE balances are located in the South of which 79% is Class A • Investment Grade tenants make up 77% of Single Tenant IRE balances • $611M or approximately 55% of total Office balances will mature in the next 12 months(3) • Rents have reduced slightly or remain flat from pre-COVID levels while capital costs (i.e., tenant improvements) and rent concessions are high, contributing to a substantial decline in net effective rents. National occupancy rate is stabilizing at a record low level Key Portfolio Metrics(1) Balances $1,120 % of Total Loans 1.2% NPL $113 NPL / Loans 10.1% Charge-offs $51 Charge-offs / Loans 5.1% ACL $60 ACL / Loans 5.4% Ongoing Portfolio Surveillance 52%48% Multi-Tenant Single Tenant 80% 20% Class A Class B Investor Real Estate Office Portfolio Overview 79% 21% Suburban Urban ACL Rates Single Tenant Multi Tenant Miscellaneous(4) 1.9% 12.3% 1.0%

 
36 Transportation - Trucking (Outstanding balances as of September 30, 2025) (1) $ in Millions. Metrics represent 09/30/2025 results except for charge-offs, which reflects results for the 9 months ended September 30, 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 $1,277 % of Total Loans 1.3% NPL $117 NPL / Loans 9.1% Charge-offs $52 Charge-offs / Loans 5.0% ACL $116 ACL / Loans 9.1% • While the Trucking industry has experienced marginal improvement in 2025, freight demand remains soft; tariffs and trade policies are likely to reduce demand further in certain sectors; the September 2025 Logistics Managers’ Index was the lowest reading ever for transportation utilization • Spot rates have stabilized but remain low; driver shortages are driving higher wage demands and insurance rates remain high • Volatility is expected to continue impacting the industry in 2026 as policy-driven changes take place • We have curtailed new originations in the sector and those that occur are asset-based and/or secured structures Ongoing Portfolio Surveillance

 
37 Consumer Lending Portfolio • Avg. origination FICO 757 • Current LTV 52% • 99% owner occupied • 3Q25 QTD NCO 0.01% • Avg. origination FICO 761 • Current LTV 37% • 58% of portfolio is 1st lien • Avg. loan size $34,847 • $35M to convert to amortizing or balloon during 2025 • 3Q25 QTD NCO (0.08%) • Avg. origination FICO 780 • Avg. new loan $15,352 • 3Q25 Yield 7.82% • 3Q25 QTD NCO 1.74% • • Avg. origination FICO 775 • Avg. new line $9,340 • 3Q25 Yield 14.46% • 3Q25 QTD NCO 3.94% 5% 6% 5% 4% 10% 6% 7% 15% 9% 82% 67% 78% 2% 2% 2% Cons R/E secured Cons non-R/E secured Total consumer Not Available Above 720 620-680 Below 620 681-720 Consumer FICO Scores(1) (1) Refreshed FICO scores as of 09/30/2025. 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)

 
38 QoQ Highlights • 3Q allowance decreased $30M compared to the prior quarter, resulting in a $105M provision expense and a slight reduction in the ACL % from 1.80% to 1.78% • The change in ACL resulted from: ◦ Net increase in modeled ACL as result of the September baseline economic forecast compared to June and net increase in qualitative ACL primarily due to uncertainty in the economic environment as a result of the government shutdown ◦ Portfolio net decrease driven primarily by improvement in overall credit quality ◦ Decreases in Specific Reserve borrowers driven by charge-offs and payoffs $1,743 $13 $(40) $(3) $1,713 Allowance for Credit Losses 09/30/2025 ($ in millions) 06/30/2025 Portfolio Changes Specific Reserve Changes Economic/ Qualitative Changes

 
39 Pre-R&S period 3Q2025 4Q2025 1Q2026 2Q2026 3Q2026 4Q2026 1Q2027 2Q2027 3Q2027 Real GDP, annualized % change 1.4 % 1.2 % 1.7 % 1.9 % 1.9 % 2.1 % 1.9 % 2.0 % 1.9 % Unemployment rate 4.3 % 4.4 % 4.4 % 4.4 % 4.4 % 4.4 % 4.3 % 4.3 % 4.3 % HPI, year-over-year % change 0.8 % (0.6) % (1.5) % (1.4) % (0.8) % 0.6 % 2.2 % 2.9 % 3.3 % CPI, year-over-year % change 2.9 % 3.0 % 2.9 % 3.2 % 3.0 % 2.7 % 2.6 % 2.5 % 2.4 % Base R&S Economic Outlook (As of September 2025) • A single, base economic forecast represents Regions’ internal outlook for the economy as of 3Q25 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

 
40 As of 9/30/2025 Day 1 Ratios (in millions) Loan Balance ACL ACL/Loans Actual Proforma C&I $46,459 $626 1.35 % CRE-OO mortgage 4,835 106 2.18 % CRE-OO construction 285 8 2.81 % Total commercial $51,579 $740 1.43 % 1.33 % 1.32 % IRE mortgage 7,122 140 1.97 % IRE construction 1,948 25 1.28 % Total IRE $9,070 $165 1.82 % 1.06 % 1.06 % Residential first mortgage 19,881 113 0.57 % Home equity lines 3,209 94 2.92 % Home equity loans 2,340 29 1.25 % Consumer credit card 1,437 121 8.41 % Other consumer 868 62 7.15 % Total consumer $27,735 $419 1.51 % 1.73 % 1.43 % Sold/Acquired Portfolios(1) $7,741 $389 5.02 % 5.92 % 5.02 % Total $96,125 $1,713 1.78 % 1.71 % 1.63 % 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 3Q25 loan portfolio and applying the "Day 1" ACL rates would produce a proforma Day 1 ACL ratio of 1.63%. (1) Sold portfolios since Day 1 CECL include SoFi, GreenSky and Auto. Acquired portfolios include Ascentium and EnerBank.

 
41 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), adjusted common equity Tier 1 ratio (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 Non-GAAP Information

 
42(1) Simple average of 4 trailing quarters of risk-weighted assets calculated from applicable periods' Call Report data. The average includes an estimate for 3Q25. Nine Months Ended Year Ended ($ amounts in millions) 9/30/2025 2024 2023 2022 2021 2020 2019 Net income available to common shareholders (GAAP) $ 1,547 $ 1,774 $ 1,976 $ 2,146 $ 2,400 $ 991 $ 1,503 Preferred dividends (GAAP) 75 119 98 99 121 103 79 Income tax expense (GAAP) 413 461 533 631 694 220 403 Income before income taxes (GAAP) 2,035 2,354 2,607 2,876 3,215 1,314 1,985 Provision for (benefit from) credit losses (GAAP) 355 487 553 271 (524) 1,330 387 Pre-tax pre-provision income (non-GAAP) 2,390 2,841 3,160 3,147 2,691 2,644 2,372 Other adjustments: Gain on sale of affordable housing residential mortgage loans — — — — — — (8) Securities (gains) losses, net 50 208 5 1 (3) (4) 28 Gains on equity investment — — — — (3) (50) — Leveraged lease termination gains, net — — (2) (1) (2) (2) (1) Bank-owned life insurance — — — — (18) (25) — Insurance proceeds — — — (50) — — — FDIC insurance special assessment (3) 16 119 — — — — Salaries and employee benefits—severance charges 2 30 31 — 6 31 5 Branch consolidation, property and equipment charges (5) 3 7 3 5 31 25 Contribution to the Regions Financial Corporation foundation — — — — 3 10 — Early extinguishment of debt — — (4) — 20 22 16 Acquisition expenses — — — — — 1 — Professional, legal and regulatory expenses 2 3 1 179 15 7 — Other Miscellaneous expenses — (37) — — — — — Total other adjustments 46 223 157 132 23 21 65 Adjusted pre-tax pre-provision income (non-GAAP) A $ 2,436 $ 3,064 $ 3,317 $ 3,279 $ 2,714 $ 2,665 $ 2,437 Net loan charge-offs (GAAP) B $ 371 $ 458 $ 397 $ 263 $ 204 $ 512 $ 358 Simple avg of 4 trailing quarters of RWAs (1) C $ 125,003 $ 124,984 $ 126,605 $ 122,121 $ 108,900 $ 108,438 $ 105,996 Annualized PPI - Charge-offs / Average Risk-Weighted Assets A-B / C 2.21 % 2.09 % 2.31 % 2.47 % 2.30 % 1.99 % 1.96 % Non-GAAP Reconciliation Pre-Tax Pre-Provision Income (PPI) Less Charge-Offs to Risk-Weighted Assets

 
43 Non-GAAP reconciliation Return on Average Tangible Common Shareholders' Equity Nine Months Ended Year Ended ($ amounts in millions) 9/30/2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 RETURN ON AVERAGE TANGIBLE COMMON SHAREHOLDERS' EQUITY Net income available to common shareholders A $ 1,547 $ 1,774 $ 1,976 $ 2,146 $ 2,400 $ 991 $ 1,503 $ 1,695 $ 1,199 $ 1,099 $ 998 Average shareholders' equity 18,390 $ 17,484 $ 16,522 $ 16,503 $ 18,201 $ 17,382 $ 16,082 $ 15,381 $ 16,665 $ 17,126 $ 16,916 Less: Average intangible assets 5,891 5,920 5,960 6,023 5,435 5,239 4,943 5,010 5,103 5,125 5,099 Average deferred tax liability related to intangibles (126) (117) (106) (103) (99) (99) (94) (97) (148) (162) (170) Average preferred stock 1,531 1,693 1,659 1,659 1,658 1,509 1,151 820 820 820 848 Average tangible common shareholders' equity B $ 11,094 $ 9,988 $ 9,009 $ 8,924 $ 11,207 $ 10,733 $ 10,082 $ 9,648 $ 10,890 $ 11,343 $ 11,139 Return on average tangible common shareholders' equity A/B 18.64 % 17.77 % 21.93 % 24.05 % 21.42 % 9.23 % 14.91 % 17.57 % 11.01 % 9.69 % 8.96 %

 
44 As of and for Quarter Ended ($ amounts in millions, except per share data) 9/30/2025 6/30/2025 3/31/2025 12/31/2024 9/30/2024 TANGIBLE COMMON RATIOS Shareholders’ equity (GAAP) A $ 19,049 $ 18,666 $ 18,530 $ 17,879 $ 18,676 Less: Preferred stock (GAAP) 1,369 1,369 1,715 1,715 1,715 Common shareholders' equity (GAAP) B 17,680 17,297 16,815 16,164 16,961 Less: Intangible assets (GAAP) 5,879 5,886 5,894 5,902 5,911 Deferred tax liability related to intangibles (GAAP) (133) (130) (126) (126) (122) Tangible common shareholders’ equity (non-GAAP) C $ 11,934 $ 11,541 $ 11,047 $ 10,388 $ 11,172 Total assets (GAAP) D $ 159,940 $ 159,206 $ 159,846 $ 157,302 $ 157,426 Less: Intangible assets (GAAP) 5,879 5,886 5,894 5,902 5,911 Deferred tax liability related to intangibles (GAAP) (133) (130) (126) (126) (122) Tangible assets (non-GAAP) E $ 154,194 $ 153,450 $ 154,078 $ 151,526 $ 151,637 Shares outstanding—end of quarter F 885 894 899 909 911 Total equity to total assets (GAAP) A/D 11.91 % 11.72 % 11.59 % 11.37 % 11.86 % Tangible common shareholders’ equity to tangible assets (non-GAAP) C/E 7.74 % 7.52 % 7.17 % 6.86 % 7.37 % Common book value per share (GAAP) B/F $ 19.98 $ 19.35 $ 18.70 $ 17.77 $ 18.62 Tangible common book value per share (non-GAAP) C/F $ 13.49 $ 12.91 $ 12.29 $ 11.42 $ 12.26 Non-GAAP Reconciliation Tangible Common Ratios

 
45 Non-GAAP Reconciliation Net Income Available to Common Shareholders, Adjusted Diluted EPS, and Return Ratios NM - Not Meaningful Quarter Ended ($ amounts in millions) 9/30/2025 6/30/2025 3/31/2025 12/31/2024 9/30/2024 3Q25 vs. 2Q25 3Q25 vs. 3Q24 Net income available to common shareholders (GAAP) A $ 548 $ 534 $ 465 $ 508 $ 446 $ 14 2.6 % $ 102 22.9 % Adjustments: Securities (gains) losses, net 25 — 25 30 78 25 NM (53) (67.9) % FDIC insurance special assessment (3) (1) 1 (2) (4) (2) (200.0) % 1 25.0 % Salaries and employee benefits—severance charges — 1 1 10 3 (1) (100.0) % (3) (100.0) % Branch consolidation, property and equipment charges (5) — — 1 — (5) NM (5) NM Professional, legal and regulatory expenses — — 2 — 1 — NM (1) (100.0) % Preferred stock redemption expense — 4 — — 15 (4) (100.0) % (15) (100.0) % Total adjustments 17 4 29 39 93 $ 13 325.0 % $ (76) (81.7) % Tax impact of adjusted items (4) — (7) (9) (19) (4) NM 15 78.9 % Adjusted net income available to common shareholders (non-GAAP) B $ 561 $ 538 $ 487 $ 538 $ 520 $ 23 4.3 % $ 41 7.9 % Weighted-average diluted shares C 894 900 910 915 918 Diluted EPS (GAAP) A/C $ 0.61 $ 0.59 $ 0.51 $ 0.56 $ 0.49 $ 0.02 3.4 % $ 0.12 24.5 % Adjusted diluted EPS (non-GAAP) B/C 0.63 0.60 0.54 0.59 0.57 $ 0.03 5.0 % $ 0.06 10.5 % Average shareholders' equity (GAAP) 18,688 18,350 18,127 18,042 18,047 338 1.8 % 641 3.6 % Less: Average preferred stock (GAAP) 1,369 1,513 1,715 1,715 1,741 (144) (9.5) % (372) (21.4) % Average common shareholders' equity (GAAP) D 17,319 16,837 16,412 16,327 16,306 482 2.9 % 1,013 6.2 % Less: Average intangible assets (GAAP) 5,883 5,891 5,899 5,907 5,916 (8) (0.1) % (33) (0.6) % Average deferred tax liability related to intangibles (GAAP) (126) (126) (126) (123) (120) — — % (6) (5.0) % Average tangible common shareholders' equity (non-GAAP) E $ 11,562 $ 11,072 $ 10,639 $ 10,543 $ 10,510 490 4.4 % 1,052 10.0 % Return on average common shareholders' equity (GAAP) A/D 12.56 % 12.72 % 11.49 % 12.39 % 10.88 % Return on average tangible common shareholders' equity (non-GAAP) A/E 18.81 % 19.34 % 17.72 % 19.19 % 16.87 % Adjusted return on average tangible common shareholders' equity (non-GAAP) B/E 19.24 % 19.48 % 18.58 % 20.30 % 19.68 %

 
46 Non-GAAP Reconciliation Pre-Tax Pre-Provision Income (PPI) Quarter Ended ($ amounts in millions) 9/30/2025 6/30/2025 3/31/2025 12/31/2024 9/30/2024 3Q25 vs. 2Q25 3Q25 vs. 3Q24 Net income available to common shareholders (GAAP) $ 548 $ 534 $ 465 $ 508 $ 446 $ 14 2.6 % $ 102 22.9 % Preferred dividends and other (GAAP) 21 29 25 26 44 (8) (27.6) % (23) (52.3) % Income tax expense (GAAP) 139 143 131 123 118 (4) (2.8) % 21 17.8 % Income before income taxes (GAAP) 708 706 621 657 608 2 0.3 % 100 16.4 % Provision for credit losses (GAAP) 105 126 124 120 113 (21) (16.7) % (8) (7.1) % Pre-tax pre-provision income (non-GAAP) 813 832 745 777 721 (19) (2.3) % 92 12.8 % Other adjustments: Securities (gains) losses, net 25 — 25 30 78 25 NM (53) (67.9) % FDIC insurance special assessment (3) (1) 1 (2) (4) (2) (200.0) % 1 25.0 % Salaries and employee benefits—severance charges — 1 1 10 3 (1) (100.0) % (3) (100.0) % Branch consolidation, property and equipment charges (5) — — 1 — (5) NM (5) NM Professional, legal and regulatory expenses — — 2 — 1 — NM (1) (100.0) % Total other adjustments 17 — 29 39 78 17 NM (61) (78.2) % Adjusted pre-tax pre-provision income (non-GAAP) $ 830 $ 832 $ 774 $ 816 $ 799 $ (2) (0.2) % $ 31 3.9 % NM - Not Meaningful

 
47 Non-GAAP Reconciliation NII, Non-Interest Income/Expense, and Efficiency Ratio NM - Not Meaningful Quarter Ended ($ amounts in millions) 9/30/2025 6/30/2025 3/31/2025 12/31/2024 9/30/2024 3Q25 vs. 2Q25 3Q25 vs. 3Q24 Non-interest expense (GAAP) A $ 1,103 $ 1,073 $ 1,039 $ 1,038 $ 1,069 $ 30 2.8 % $ 34 3.2 % Adjustments: FDIC insurance special assessment 3 1 (1) 2 4 2 200.0 % (1) (25.0) % Branch consolidation, property and equipment charges 5 — — (1) — 5 NM 5 NM Salary and employee benefits—severance charges — (1) (1) (10) (3) 1 100.0 % 3 100.0 % Professional, legal and regulatory expenses — — (2) — (1) — NM 1 100.0 % Adjusted non-interest expense (non-GAAP) B $ 1,111 $ 1,073 $ 1,035 $ 1,029 $ 1,069 $ 38 3.5 % $ 42 3.9 % Net interest income (GAAP) C $ 1,257 $ 1,259 $ 1,194 $ 1,230 $ 1,218 $ (2) (0.2) % $ 39 3.2 % Taxable-equivalent adjustment 12 12 12 13 12 — — % — — % Net interest income, taxable-equivalent basis D $ 1,269 $ 1,271 $ 1,206 $ 1,243 $ 1,230 $ (2) (0.2) % $ 39 3.2 % Non-interest income (GAAP) E 659 646 590 585 572 13 2.0 % 87 15.2 % Adjustments: Securities (gains) losses, net 25 — 25 30 78 25 NM (53) (67.9) % Adjusted non-interest income (non-GAAP) F $ 684 $ 646 $ 615 $ 615 $ 650 38 5.9 % $ 34 5.2 % Total revenue C+E=G $ 1,916 $ 1,905 $ 1,784 $ 1,815 $ 1,790 $ 11 0.6 % $ 126 7.0 % Adjusted total revenue (non-GAAP) C+F=H $ 1,941 $ 1,905 $ 1,809 $ 1,845 $ 1,868 $ 36 1.9 % $ 73 3.9 % Total revenue, taxable-equivalent basis D+E=I $ 1,928 $ 1,917 $ 1,796 $ 1,828 $ 1,802 $ 11 0.6 % $ 126 7.0 % Adjusted total revenue, taxable-equivalent basis (non-GAAP) D+F=J $ 1,953 $ 1,917 $ 1,821 $ 1,858 $ 1,880 $ 36 1.9 % $ 73 3.9 % Efficiency ratio (GAAP) A/I 57.2 % 56.0 % 57.9 % 56.8 % 59.3 % Adjusted efficiency ratio (non-GAAP) B/J 56.9 % 56.0 % 56.8 % 55.4 % 56.9 % Fee income ratio (GAAP) E/I 34.2 % 33.7 % 32.9 % 32.0 % 31.7 % Adjusted fee income ratio (non-GAAP) F/J 35.0 % 33.7 % 33.8 % 33.1 % 34.6 %

 
48 Non-GAAP Reconciliation Non-Interest Expense Twelve Months Ended December 31 ($ amounts in millions) 2024 2023 2022 2021 2020 2019 2018 2017 2016 Non-interest expense (GAAP) $ 4,242 $ 4,416 $ 4,068 $ 3,747 $ 3,643 $ 3,489 $ 3,570 $ 3,491 $ 3,483 Adjustments: FDIC insurance special assessment (16) (119) — — — — — — — Contribution to Regions Financial Corporation foundation — — (3) (10) — (60) (40) — Professional, legal and regulatory expenses (3) (1) (179) (15) (7) — — — (3) Branch consolidation, property and equipment charges (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 (30) (31) — (6) (31) (5) (61) (10) (21) Acquisition expense — — — (1) — — — — Other miscellaneous expenses 37 — — — — — — — — Adjusted non-interest expense (non-GAAP) $ 4,227 $ 4,262 $ 3,886 $ 3,698 $ 3,541 $ 3,443 $ 3,434 $ 3,419 $ 3,387

 
49 Quarter Ended ($ amounts in millions) 9/30/2025 6/30/2025 3/31/2025 12/31/2024 9/30/2024 ADJUSTED CET1 RATIO Common Equity Tier 1(1) A $ 13,620 $ 13,533 $ 13,355 $ 13,434 $ 13,185 Adjustments: AOCI gain (loss) on securities(2) (1,241) (1,485) (1,645) (2,024) (1,369) AOCI gain (loss) on defined benefit pension plans and other post employment benefits (396) (401) (406) (410) (437) Adjusted Common Equity Tier 1 (non-GAAP) B $ 11,983 $ 11,647 $ 11,304 $ 11,000 $ 11,379 Total risk-weighted assets(1) C $ 126,060 $ 125,755 $ 123,755 $ 124,440 $ 124,645 Common Equity Tier 1 ratio(1)(3) A/C 10.8 % 10.8 % 10.8 % 10.8 % 10.6 % Adjusted Common Equity Tier 1 ratio (non-GAAP)(1)(3) B/C 9.5 % 9.3 % 9.1 % 8.8 % 9.1 % Non-GAAP Reconciliation Adjusted 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.

 
50 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 and expressions 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, some of which possess greater financial resources than we do or are subject to different regulatory standards than we are. Forward-Looking Statements

 
51 • 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 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 U.S. presidential administration, 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)

 
52 • 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)

 
Internal Use