# Regions Financial (RF) 8-K SEC filing

- Filed: Jul 17, 2026, 6:01 AM EDT
- Accession: 0001281761-26-000050
- OpenCapital page: https://www.opencapital.sh/filings/0001281761-26-000050
- Markdown URL: https://www.opencapital.sh/filings/0001281761-26-000050.md
- Official SEC filing index: https://www.sec.gov/Archives/edgar/data/1281761/000128176126000050/0001281761-26-000050-index.htm

## Filing documents

- [8-K (rf-20260717.htm)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000050/rf-20260717.htm)
- [EX-99.1 (rf-2026630xexhibit991.htm)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000050/rf-2026630xexhibit991.htm)
- [EX-99.2 (rf-2026630xexhibitx992.htm)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000050/rf-2026630xexhibitx992.htm)
- [EX-99.3 (rf-2026630xexhibit9931.htm)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000050/rf-2026630xexhibit9931.htm)

---

## 8-K

SEC source: [rf-20260717.htm](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000050/rf-20260717.htm)

### UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

### FORM 8-K

### CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

### Date of Report (Date of earliest event reported): July 17, 2026

### REGIONS FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

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

### 1900 Fifth Avenue North

Birmingham, Alabama 35203

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

### Registrant’s telephone number, including area code: (800) 734-4667

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

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

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

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

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

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

Title of each class Trading Symbol(s) Name of each exchange on which registered

Common Stock, $.01 par value RF New York Stock Exchange

Depositary Shares, each representing a 1/40th Interest in a Share of

5.700% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series C RF PRC New York Stock Exchange

Depositary Shares, each representing a 1/40th Interest in a Share of

4.45% Non-Cumulative Perpetual Preferred Stock, Series E RF PRE New York Stock Exchange

Depositary Shares, each representing a 1/40th Interest in a Share of

Non-Cumulative Perpetual Preferred Stock, Series F RF PRF New York Stock Exchange

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

Emerging growth company ☐

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

## Item 2.02 Results of Operations and Financial Condition.

On July 17, 2026, Regions Financial Corporation (“Regions”) issued a press release announcing its preliminary results of operations for the quarter ended June 30, 2026. A copy of the press release is attached hereto as Exhibit 99.1. Supplemental financial information for the quarter ended June 30, 2026 is attached as Exhibit 99.2. Each of Exhibits 99.1 and 99.2 are incorporated herein by reference and may also be found on Regions’ website at www.regions.com.

## Item 7.01 Regulation FD Disclosure.

On July 17, 2026, executives from Regions will review its preliminary results of operations for the quarter ended June 30, 2026, via a live audio webcast. A copy of a visual presentation that will be a part of that review is attached as Exhibit 99.3. Exhibit 99.3 is incorporated herein by reference and may also be found on Regions’ website at www.regions.com. An archived recording of the webcast will be available for a limited time on the Investor Relations page of that website.

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

## Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

| Exhibit Number | Description of Exhibit |
| --- | --- |
| 99.1 | Press Release dated July 17, 2026. |
| 99.2 | Supplemental Financial Information for the Quarter Ended June 30, 2026. |
| 99.3 | Visual Presentation of July 17, 2026. |
| 104 | Cover Page Interactive Data (embedded within the Inline XBRL document). |

SIGNATURES

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

REGIONS FINANCIAL CORPORATION

By: /s/ Karin K. Allen

Name: Karin K. Allen

Title: Executive Vice President and Chief Accounting Officer

Date: July 17, 2026

---

## EX-99.1

SEC source: [rf-2026630xexhibit991.htm](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000050/rf-2026630xexhibit991.htm)

Exhibit 99.1

Regions Reports Earnings of $549 Million and EPS of $0.64 in 2Q 2026 BIRMINGHAM, Ala. - (BUSINESS WIRE) - July 17, 2026 - Regions Financial Corp. (NYSE:RF) today reported second quarter 2026 earnings of $549 million and diluted EPS of $0.64. On an adjusted basis, earnings(1) were $583 million, with diluted EPS(1) of $0.68. Total revenue remained relatively stable while diluted EPS increased 8 percent compared to second quarter of 2025. Adjusted total revenue(1) increased 2 percent, and adjusted diluted EPS(1) increased 13 percent compared to second quarter of 2025.

| Financial Highlights | Financial Highlights / Quarter Ended |  |
| --- | --- | --- |
| ($ amounts in millions, except per share data) | 1Q26 |  |
| Earnings Summary |  |  |
| Net income | $$559 |  |
| Net income available to common shareholders | 539 |  |
| Adj. net income avail. to common shareholders(1) | 539 |  |
| Diluted earnings per common share | 0.62 |  |
| Adj. diluted earnings per common share(1) | 0.62 | Profitability |
| Balance Sheet Summary |  | •Best-in-class hedging program creates a mostly neutral short-term interest rate position and supports a top-quartile 2Q26 NIM of 3.66% •Regions continues to generate top-quartile returns vs its peer group; 2Q26 reported ROATCE of 19% and adjusted ROATCE(1) of 20% •Expenses remained well-controlled; supporting self-funding of growth initiatives |
| Average loans, net of unearned income | $$96,423 |  |
| Average deposits | 130,234 |  |
| Credit Quality |  |  |
| Allowance for credit losses ratio | 1.68%% |  |
| Net charge-offs / average loans* | 0.54 |  |
| Selected Ratios |  |  |
| Return on average assets* | 1.42%% | Growth |
| Return on average common equity* | 12.35 | •Net income grew 2% and diluted EPS 3% QoQ; Adj. net income grew 8% and adj. diluted EPS 10%(1) •2Q26 average loans increased 2% while ending loans increased 1% vs 1Q26; growth driven primarily by high-quality, broad-based C&I loans •2Q26 reflects another record quarter of Wealth Management income (5th in the last 6 quarters) •Expanding municipal finance expertise and long-term growth opportunities within capital markets through the 7/1/2026 acquisition of The Frazer Lanier Company |
| Return on avg. tangible common equity*(1) | 18.26 |  |
| Adj. return on avg. tangible common equity*(1) | 18.26 |  |
| Net interest margin (FTE)* | 3.67 |  |
| Efficiency ratio | 56.6 |  |
| Adjusted efficiency ratio(1) | 56.6 |  |
| Common equity Tier 1 ratio(2) | 10.7 |  |
| Common equity Tier 1 ratio (incl. AOCI)(1)(2) | 9.4 |  |
| Effective Tax Rate | 21.6 |  |
| *Annualized(1) Non-GAAP; refer to reconciliations in the financial supplement to this earnings release included as Exhibit 99.2 to the company's Current Report on Form 8-K that was furnished to the Securities and Exchange Commission ("SEC") on Jul. 17, 2026. (2) Current quarter is estimated. |  |  |

| | | |
| --- | --- | --- |
| John Turner, Chairman, President and CEO of Regions Financial Corp. | | |
| "Strategic execution and solid delivery define our results for the second quarter. And, together, they're giving Regions clear momentum going into the second half of the year. As our markets grow, Regions Bank is focused on leveraging every opportunity to illustrate the Regions difference to more consumers, businesses, Wealth Management clients, and homeowners. We have a solid value proposition. We know the needs and opportunities in our markets based on the depth of our local experience. And we have not only the historical commitment, but also the forward-leaning investments in technology and innovation that we believe position us to compete and grow effectively. The foundation for our growth - including focusing on what we can control, operating to the highest standards, and keeping the customer first - hasn't changed. As we expand our capabilities and grow our talented group of bankers, that foundation is stronger than ever before and will serve us well in the years to come." | | |

Total revenue

| Line item | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions) | 6/30/2026 |  | 3/31/2026 |  | 6/30/2025 |  | 2Q26 vs. 1Q26 |  |  | 2Q26 vs. 2Q25 |  |  |
| Net interest income | $ | $1,277 | $ | $1,248 | $ | $1,259 | $ | $29 | 2.3% | $ | $18 | 1.4% |
| Taxable equivalent adjustment | 14 |  | 13 |  | 12 |  | 1 |  | 7.7% | 2 |  | 16.7% |
| Net interest income, taxable equivalent basis | $ | $1,291 | $ | $1,261 | $ | $1,271 | $ | $30 | 2.4% | $ | $20 | 1.6% |
| Net interest margin (FTE)* | 3.66 |  | 3.67 |  | 3.65 |  |  |  |  |  |  |  |
| Non-interest income: |  |  |  |  |  |  |  |  |  |  |  |  |
| Service charges on deposit accounts | $ | $167 | $ | $163 | $ | $151 | $ | $4 | 2.5% | $ | $16 | 10.6% |
| Card and ATM fees | 126 |  | 117 |  | 125 |  | 9 |  | 7.7% | 1 |  | 0.8% |
| Wealth management income | 150 |  | 141 |  | 133 |  | 9 |  | 6.4% | 17 |  | 12.8% |
| Capital markets income | 84 |  | 84 |  | 83 |  | — |  | — | 1 |  | 1.2% |
| Mortgage income | 33 |  | 32 |  | 48 |  | 1 |  | 3.1% | (15) |  | (31.3)% |
| Commercial credit fee income | 28 |  | 30 |  | 29 |  | (2) |  | (6.7)% | (1) |  | (3.4)% |
| BOLI income | 24 |  | 30 |  | 24 |  | (6) |  | (20.0)% | — |  | — |
| Market value adjustments on employee benefit assets** | 24 |  | (5) |  | 16 |  | 29 |  | NM | 8 |  | 50.0% |
| Securities gains (losses), net | (41) |  | (3) |  | (1) |  | (38) |  | NM | (40) |  | NM |
| Other miscellaneous income | 35 |  | 36 |  | 38 |  | (1) |  | (2.8)% | (3) |  | (7.9)% |
| Non-interest income | $ | $630 | $ | $625 | $ | $646 | $ | $5 | 0.8% | $ | $(16) | (2.5)% |
| Adjusted non-interest income (non-GAAP)(1) | $ | $670 | $ | $625 | $ | $646 | $ | $45 | 7.2% | $ | $24 | 3.7% |
| Total revenue | $ | $1,907 | $ | $1,873 | $ | $1,905 | $ | $34 | 1.8% | $ | $2 | 0.1% |
| Adjusted total revenue (non-GAAP)(1) | $ | $1,947 | $ | $1,873 | $ | $1,905 | $ | $74 | 4.0% | $ | $42 | 2.2% |

NM - Not Meaningful

* Annualized

** These market value adjustments relate to assets held for employee and director benefits that are effectively offset within salaries and employee benefits and other non-interest expense.

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

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

Non-interest expense

| Line item | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions) | 6/30/2026 |  | 3/31/2026 |  | 6/30/2025 |  | 2Q26 vs. 1Q26 |  |  | 2Q26 vs. 2Q25 |  |  |
| Salaries and employee benefits | $ | $697 | $ | $659 | $ | $658 | $ | $38 | 5.8% | $ | $39 | 5.9% |
| Equipment and software expense | 107 |  | 108 |  | 104 |  | (1) |  | (0.9)% | 3 |  | 2.9% |
| Net occupancy expense | 73 |  | 72 |  | 72 |  | 1 |  | 1.4% | 1 |  | 1.4% |
| Outside services | 47 |  | 42 |  | 39 |  | 5 |  | 11.9% | 8 |  | 20.5% |
| Marketing | 28 |  | 29 |  | 26 |  | (1) |  | (3.4)% | 2 |  | 7.7% |
| Professional, legal and regulatory expenses | 28 |  | 28 |  | 28 |  | — |  | — | — |  | — |
| Credit/checkcard expenses | 16 |  | 14 |  | 16 |  | 2 |  | 14.3% | — |  | — |
| FDIC insurance assessments | 17 |  | 19 |  | 20 |  | (2) |  | (10.5)% | (3) |  | (15.0)% |
| Visa class B shares expense | 2 |  | 1 |  | 4 |  | 1 |  | 100.0% | (2) |  | (50.0)% |
| Operational losses | 8 |  | 10 |  | 13 |  | (2) |  | (20.0)% | (5) |  | (38.5)% |
| Branch consolidation, property and equipment charges | 5 |  | — |  | — |  | 5 |  | NM | 5 |  | NM |
| Other miscellaneous expenses | 93 |  | 86 |  | 93 |  | 7 |  | 8.1% | — |  | — |
| Non-interest expense | $ | $1,121 | $ | $1,068 | $ | $1,073 | $ | $53 | 5.0% | $ | $48 | 4.5% |
| Adjusted non-interest expense (non-GAAP)(1) | $ | $1,116 | $ | $1,068 | $ | $1,073 | $ | $48 | 4.5% | $ | $43 | 4.0% |

Salaries and Employee Benefits Expense

| Line item | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions) | 6/30/2026 |  | 3/31/2026 |  | 6/30/2025 |  | 2Q26 vs. 1Q26 |  |  | 2Q26 vs. 2Q25 |  |  |
| Salaries and employee benefits | $ | $697 | $ | $659 | $ | $658 | $ | $38 | 5.8% | $ | $39 | 5.9% |
| Less: Market value adjustments on supplemental 401(k) liabilities* | 24 |  | (4) |  | 16 |  | 28 |  | NM | 8 |  | 50.0% |
| Salaries and employee benefits less market value adjustments on employee benefit liabilities | $ | $673 | $ | $663 | $ | $642 | $ | $10 | 1.5% | $ | $31 | 4.8% |

NM - Not Meaningful

* The company holds assets in order to effectively offset the market value adjustments on supplemental 401(k) liabilities and the market value adjustments on those assets are recorded in non-interest income.

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

Loans

| Line item | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions, net of unearned income) | 2Q26 |  | 1Q26 |  | 2Q25 |  | 2Q26 vs. 1Q26 |  |  | 2Q26 vs. 2Q25 |  |  |
| Commercial and industrial | $ | $51,504 | $ | $49,572 | $ | $49,033 | $ | $1,932 | 3.9% | $ | $2,471 | 5.0% |
| Commercial real estate—owner-occupied | 5,342 |  | 5,146 |  | 5,170 |  | 196 |  | 3.8% | 172 |  | 3.3% |
| Investor real estate | 9,789 |  | 9,327 |  | 9,009 |  | 462 |  | 5.0% | 780 |  | 8.7% |
| Business Lending | 66,635 |  | 64,045 |  | 63,212 |  | 2,590 |  | 4.0% | 3,423 |  | 5.4% |
| Residential first mortgage | 19,551 |  | 19,674 |  | 19,992 |  | (123) |  | (0.6)% | (441) |  | (2.2)% |
| Home equity | 5,496 |  | 5,514 |  | 5,525 |  | (18) |  | (0.3)% | (29) |  | (0.5)% |
| Consumer credit card | 1,474 |  | 1,473 |  | 1,397 |  | 1 |  | 0.1% | 77 |  | 5.5% |
| Other consumer* | 5,566 |  | 5,717 |  | 5,951 |  | (151) |  | (2.6)% | (385) |  | (6.5)% |
| Consumer Lending | 32,087 |  | 32,378 |  | 32,865 |  | (291) |  | (0.9)% | (778) |  | (2.4)% |
| Total Loans | $ | $98,722 | $ | $96,423 | $ | $96,077 | $ | $2,299 | 2.4% | $ | $2,645 | 2.8% |

**Ending Balances**

|  | 6/30/2026 | 6/30/2026 |
| --- | --- | --- |
| 6/30/2025 | vs. 3/31/2026 | vs. 6/30/2025 |
| $$$49,586 | $$$$2.0% | $4.5% |
| 5,165 | 2.5% | 4.4% |
| 9,098 | 3.4% | 9.6% |
| 63,849 | 2.2% | 5.3% |
| 20,020 | (0.6)% | (2.6)% |
| 5,536 | 0.1% | (0.6)% |
| 1,415 | 1.8% | 5.9% |
| 5,903 | (1.9)% | (6.9)% |
| 32,874 | (0.6)% | (2.7)% |
| $$$96,723 | $$$$1.3% | $2.6% |

NM - Not meaningful.

* Other consumer loans includes Regions' Home Improvement Financing portfolio.

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

Deposits

| Line item | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions) | 2Q26 |  | 1Q26 |  | 2Q25 |  | 2Q26 vs. 1Q26 |  |  | 2Q26 vs. 2Q25 |  |  |
| Total interest-bearing deposits | $ | $90,953 | $ | $91,074 | $ | $89,888 | $ | $(121) | (0.1)% | $ | $1,065 | 1.2% |
| Non-interest-bearing deposits | 39,738 |  | 39,160 |  | 39,556 |  | 578 |  | 1.5% | 182 |  | 0.5% |
| Total Deposits | $ | $130,691 | $ | $130,234 | $ | $129,444 | $ | $457 | 0.4% | $ | $1,247 | 1.0% |
| ($ amounts in millions) | 2Q26 |  | 1Q26 |  | 2Q25 |  | 2Q26 vs. 1Q26 |  |  | 2Q26 vs. 2Q25 |  |  |
| Consumer Bank Segment | $ | $80,624 | $ | $79,599 | $ | $79,912 | $ | $1,025 | 1.3% | $ | $712 | 0.9% |
| Corporate Bank Segment | 40,106 |  | 40,707 |  | 39,234 |  | (601) |  | (1.5)% | 872 |  | 2.2% |
| Wealth Management Segment | 7,594 |  | 7,777 |  | 7,324 |  | (183) |  | (2.4)% | 270 |  | 3.7% |
| Other* | 2,367 |  | 2,151 |  | 2,974 |  | 216 |  | 10.0% | (607) |  | (20.4)% |
| Total Deposits | $ | $130,691 | $ | $130,234 | $ | $129,444 | $ | $457 | 0.4% | $ | $1,247 | 1.0% |

**End of Period Deposits**

|  | 6/30/2026 | 6/30/2026 |
| --- | --- | --- |
| 6/30/2025 | vs. 3/31/2026 | vs. 6/30/2025 |
| $$$79,953 | $$$$(0.4)% | $1.3% |
| 40,101 | (1.5)% | (0.4)% |
| 7,352 | (3.7)% | 1.6% |
| 3,513 | 1.5% | (34.0)% |
| $$$130,919 | $$$$(0.9)% | $(0.2)% |

NM - Not meaningful.

*Other deposits represent non-customer balances primarily consisting of wholesale funding (for example, selected deposits and brokered time deposits) and additional wholesale funding arrangements.

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

Asset quality

| ($ amounts in millions) | As of and for the Quarter Ended / 6/30/2026 | As of and for the Quarter Ended / 3/31/2026 | As of and for the Quarter Ended / 6/30/2025 |
| --- | --- | --- | --- |
| Allowance for credit losses (ACL) at period end | $1,613 | $1,647 | $1,743 |
| ACL/Loans, net | 1.63% | 1.68% | 1.80% |
| Business criticized loans to total business loans | 5.01% | 5.15% | 7.22% |
| Allowance for credit losses to non-performing loans, excluding loans held for sale | 241% | 238% | 225% |
| Provision for credit losses | $68 | $91 | $126 |
| Net loans charged-off | $102 | $130 | $113 |
| Net loans charged-off as a % of average loans, annualized | 0.42% | 0.54% | 0.47% |
| Non-performing loans, excluding loans held for sale/Loans, net | 0.67% | 0.71% | 0.80% |
| NPAs (ex. 90+ past due)/Loans, foreclosed properties, and non-performing loans held for sale | 0.69% | 0.73% | 0.84% |
| NPAs (inc. 90+ past due)/Loans, foreclosed properties, and non-performing loans held for sale* | 0.85% | 0.90% | 1.01% |
| Total Criticized Loans—Business Services** | $3,370 | $3,384 | $4,608 |

* Excludes fully guaranteed residential first mortgages that are 90+ days past due and still accruing.

** Business services represents the combined total of commercial and investor real estate loans.

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

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

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

Capital and liquidity

| Line item | As of and for Quarter Ended / 6/30/2026 | As of and for Quarter Ended / 3/31/2026 | As of and for Quarter Ended / 6/30/2025 |
| --- | --- | --- | --- |
| Common Equity Tier 1 ratio(2) | 10.7% | 10.7% | 10.8% |
| Common equity Tier 1 ratio (incl. AOCI) (non-GAAP)(1)(2) | 9.5% | 9.4% | 9.3% |
| Tier 1 capital ratio(2) | 11.8% | 11.8% | 11.9% |
| Total shareholders' equity to total assets | 11.68% | 11.68% | 11.72% |
| Tangible common shareholders’ equity to tangible assets (non-GAAP)(1) | 7.55% | 7.54% | 7.52% |
| Common book value per share | $20.48 | $20.39 | $19.35 |
| Tangible common book value per share (non-GAAP)(1) | $13.78 | $13.69 | $12.91 |
| Loans, net of unearned income, to total deposits | 75.9% | 74.3% | 73.9% |

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

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

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

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

(1) Non-GAAP; refer to reconciliations on pages [13](rf-2026630xexhibitx992.htm#i7d370e67f88046a3bde2957d4acf4296_46) [17](rf-2026630xexhibitx992.htm#i7d370e67f88046a3bde2957d4acf4296_58), [18](rf-2026630xexhibitx992.htm#i7d370e67f88046a3bde2957d4acf4296_61), [19](rf-2026630xexhibitx992.htm#i7d370e67f88046a3bde2957d4acf4296_64) and [20](rf-2026630xexhibitx992.htm#i7d370e67f88046a3bde2957d4acf4296_67) of the financial supplement to this earnings release included as Exhibit 99.2 to the company's Current Report on Form 8-K that was furnished to the SEC on Jul. 17, 2026.

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

### Conference Call

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

### About Regions Financial Corporation

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

Forward-Looking Statements

This release and the accompanying earnings call may include forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. In addition, the company, through its senior management, may from time to time make forward-looking public statements concerning the matters described herein. The words “future,” “anticipates,” “assumes,” “intends,” “plans,” “seeks,” “believes,” “predicts,” “potential,” “objectives,” “estimates,” “expects,” “targets,” “projects,” “outlook,” “forecast,” “would,” “will,” “may,” “might,” “could,” “should,” “can,” and similar terms, expressions, and graphics often signify forward-looking statements. Forward-looking statements are subject to the risk that the actual effects may differ, possibly materially, from what is reflected in those forward-looking statements due to factors and future developments that are uncertain, unpredictable and in many cases beyond our control. Forward-looking statements are not based on historical information, but rather are related to future operations, strategies, financial results or other developments. Forward-looking statements are based on management’s current expectations as well as certain assumptions and estimates made by, and information available to, management at the time the statements are made. Those statements are based on general assumptions and are subject to various risks, and because they also relate to the future, they are likewise subject to inherent uncertainties and other factors that may cause actual results to differ materially from the views, beliefs and projections expressed in such statements. Therefore, we caution you against relying on any of these forward-looking statements. These risks, uncertainties and other factors include, but are not limited to, those described below:

- Our businesses have been, and may continue to be, adversely affected by conditions in the financial markets and economic conditions generally.
- Fluctuations in market interest rates, including the level and shape of the yield curve, may adversely affect our performance.
- If we experience greater credit losses in our loan portfolios than anticipated, our earnings may be materially adversely affected.
- Any future reductions in our credit ratings may increase our funding costs and place limitations on business activities.
- Changes in the soundness of other financial institutions could adversely affect us.
- We may suffer losses if the value of collateral declines in stressed market conditions.
- Ineffective liquidity management could adversely affect our financial results and condition.
- Loss of deposits or a change in deposit mix could increase our funding costs.
- We rely on the mortgage secondary market to manage various risks.
- We are at risk of a variety of systems failures or errors and cyber-attacks or other similar incidents that could adversely affect customer experience and our business and financial performance.
- We are subject to complex and evolving laws, regulations, rules, standards and contractual obligations regarding privacy and cybersecurity, which could increase the cost of doing business, compliance risks and potential liability.
- We will continually encounter technological change and must effectively anticipate, develop and implement new technology.
- The development and use of AI presents risks and challenges that may adversely impact our business.
- Industry competition, including competition from decentralized finance platforms, cryptocurrencies and blockchain technologies could disrupt our business model and adversely affect our revenues, market share or liquidity.
- Our operations are concentrated primarily in the South, Midwest and Texas, and adverse changes in the economic conditions in this region can adversely affect our financial results and condition.
- Weakness in the residential real estate markets could adversely affect our performance.
- Weakness in the commercial real estate markets could adversely affect our performance.
- Risks associated with home equity products where we are in a second lien position could adversely affect our performance.
- Weakness in commodity businesses could adversely affect our performance.
- An outbreak or escalation of hostilities between countries or within a country or region could have a material adverse effect on the U.S. economy and on our businesses.
- We are subject to a variety of operational risks, including the risk of fraud or theft by internal or external parties, which may adversely affect our business and results of operations.
- We rely on other companies to provide key components of our business infrastructure.
- We depend on the accuracy and completeness of information about clients and counterparties.
- We are exposed to risk of environmental liability when we take title to property.
- We can be negatively affected if we fail to identify and address operational risks associated with the introduction of or changes to products, services and delivery platforms.
- Enhanced regulatory and other standards for the oversight of vendors and other service providers can result in higher costs and other potential exposures.
- We are, and may in the future be, subject to claims and litigation calling into question our right to use the intellectual property underlying certain technology in our business.
- Weather-related events, pandemics and other natural or man-made disasters could cause a disruption in our operations or lead to other consequences that could adversely impact our financial results and condition. These impacts could be intensified by climate change. Heightening focus on climate change may also carry transition risks that could negatively impact our results of operations and financial condition.
- We are subject to sociopolitical risks that could adversely affect our business, reputation and the trading price of our common stock.
- Damage to our reputation could significantly harm our businesses.
- We are, and may in the future be, subject to litigation, investigations and governmental proceedings that may result in liabilities adversely affecting our financial condition, business or results of operations or in reputational harm.
- We are subject to extensive governmental regulation, which could have an adverse impact on our operations and our business model.
- We are subject to a variety of risks in connection with any sale of loans we may conduct.
- We may be subject to more stringent capital and liquidity requirements.
- Rulemaking changes and regulatory initiatives implemented by the CFPB may result in higher regulatory and compliance costs that may adversely affect our results of operations.
- We are subject to numerous laws designed to protect consumers, including the CRA and fair lending laws, and a failure to comply with these laws could lead to a wide variety of penalties and other sanctions.
- We may not be able to complete future acquisitions, may not be successful in realizing the benefits of any future acquisitions that are completed or may choose not to pursue acquisition opportunities we might find beneficial.
- Increases in FDIC insurance assessments may adversely affect our earnings.
- Unfavorable results from ongoing stress analyses may adversely affect our ability to retain customers or compete for new business opportunities.
- We are a holding company and depend on our subsidiaries for dividends, distributions and other payments.
- We may not pay dividends on shares of our capital stock.
- Anti-takeover and banking laws and certain agreements and charter provisions may adversely affect share value.
- Our amended and restated by-laws designate (i) the Court of Chancery of the State of Delaware as the sole and exclusive forum for certain types of actions and proceedings that may be initiated by our shareholders and (ii) the federal district courts of the United States as the sole and exclusive forum for any action asserting a cause of action arising under the Securities Act, which could limit our shareholders’ ability to obtain a favorable judicial forum for disputes with our company or our company’s directors, officers or other employees.
- We face substantial legal and operational risks in our safeguarding and other processing of personal information.
- Differences in regulation can affect our ability to compete effectively.
- Our businesses may be adversely affected if we are unable to hire and retain qualified employees.
- Our operations rely on our ability, and the ability of key external parties, to maintain appropriately staffed workforces, and on the competence, trustworthiness, health and safety of employees.
- Our reported financial results depend on management’s selection of accounting methods and certain assumptions and estimates.
- If the models that we use in our business perform poorly or provide inadequate information, our business or results of operations may be adversely affected.
- Changes in our accounting policies or in accounting standards could materially affect how we report our financial results and condition.

The foregoing list of factors is not exhaustive. For discussion of these and other factors that may cause actual results to differ from expectations, look under the captions “Cautionary Note Regarding Forward-Looking Statements and Risk Factor Summary” and “Risk Factors” in Regions’ Annual Report on Form 10-K for the year ended December 31, 2025 and in Regions’ subsequent filings with the SEC.

You should not place undue reliance on any forward-looking statements, which speak only as of the date made. Factors or events that could cause our actual results to differ may emerge from time to time, and it is not possible to predict all of them. We assume no obligation and do not intend to update or revise any forward-looking statements that are made from time to time, either as a result of future developments, new information or otherwise, except as may be required by law.

Regions’ Investor Relations contact is Tom Speir at (205) 264-7040; Regions’ Media contact is Jeremy King at (205) 264-4551.

### Use of Non-GAAP Financial Measures

Management uses pre-tax pre-provision income (non-GAAP), adjusted pre-tax pre-provision income (non-GAAP), the adjusted efficiency ratio (non-GAAP), the adjusted fee income ratio (non-GAAP), return on average tangible common shareholders' equity (non-GAAP), adjusted return on average tangible common shareholders' equity (non-GAAP), common equity Tier 1 ratio (inclusive of AOCI) (non-GAAP), as well as adjusted net income available to common shareholders (non-GAAP) and adjusted diluted EPS (non-GAAP) to monitor performance and believes these measures provide meaningful information to investors. Non-interest expense (GAAP) is presented excluding certain adjustments to arrive at adjusted non-interest expense (non-GAAP), which is the numerator for the adjusted efficiency ratio. Non-interest income (GAAP) is presented excluding certain adjustments to arrive at adjusted non-interest income (non-GAAP), which is the numerator for the adjusted fee income ratio. Adjusted non-interest income (non-GAAP) and adjusted non-interest expense (non-GAAP) are used to determine adjusted pre-tax pre-provision income (non-GAAP). Net interest income (GAAP) on a taxable-equivalent basis and non-interest income are added together to arrive at total revenue on a taxable-equivalent basis. Adjustments are made to arrive at adjusted total revenue on a taxable-equivalent basis (non-GAAP), which is the denominator for the adjusted fee income and adjusted efficiency ratios. Net income available to common shareholders (GAAP) is presented excluding certain adjustments, net of tax, to arrive at adjusted net income available to common shareholders (non-GAAP), which is the numerator for adjusted diluted EPS (non-GAAP). Return on average tangible common shareholders' equity (non-GAAP) is calculated by dividing net income available to common shareholders (GAAP) by the average tangible common shareholders’ equity (non-GAAP). Net income available to common shareholders (GAAP) is presented excluding certain adjustments, net of tax, to arrive at adjusted net income available to common shareholders (non-GAAP), which is the numerator for adjusted return on average tangible common shareholders’ equity. Adjusted return on average tangible common shareholders' equity is calculated by dividing the adjusted net income available to common shareholders (non-GAAP) by the average tangible common shareholders’ equity (non-GAAP). Adjusted common equity Tier 1 ratio (non-GAAP) is calculated by dividing the adjusted common equity tier 1 (non-GAAP), which is arrived at by excluding the AOCI loss on securities and AOCI loss on defined benefit pension plans and other post employment benefits from common equity Tier 1, by the company’s total risk-weighted assets (GAAP).

Regions believes that the exclusion of these adjustments provides a meaningful basis for period-to-period comparisons, which management believes will assist investors in analyzing the operating results of the company and predicting future performance. These non-GAAP financial measures are also used by management to assess the performance of Regions’ business. It is possible that the activities related to the adjustments may recur; however, management does not consider the activities related to the adjustments to be indications of ongoing operations. Regions believes that presentation of these non-GAAP financial measures will permit investors to assess the performance of the company on the same basis as that applied by management. Tangible common book value per share is calculated by dividing tangible common shareholders' equity (non-GAAP) by tangible assets (non-GAAP). The numerator for tangible book value per share (non-GAAP), tangible common shareholders' equity (non-GAAP), is calculated by excluding intangible assets and the deferred tax liability related to intangible assets from common shareholders' equity (GAAP). The denominator for tangible book value per share (non-GAAP), tangible assets (non-GAAP), is calculated by excluding intangible assets and the deferred tax liability related to intangible assets from total assets (non-GAAP).

Tangible common shareholders’ equity ratios have become a focus of some investors and management believes they may assist investors in analyzing the capital position of the company absent the effects of intangible assets and preferred stock. Analysts and banking regulators have assessed Regions’ capital adequacy using the tangible common shareholders’ equity measure. Because tangible common shareholders’ equity is not formally defined by GAAP or prescribed in any amount by federal banking regulations it is currently considered to be a non-GAAP financial measure and other entities may calculate it differently than Regions’ disclosed calculations. Since analysts and banking regulators may assess Regions’ capital adequacy using tangible common shareholders’ equity to tangible assets, management believes that it is useful to provide investors the ability to assess Regions’ capital adequacy on this same basis.

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](rf-2026630xexhibitx992.htm) to the company's Current Report on Form 8-K furnished to the Securities and Exchange Commission on July 17, 2026, for reconciliations of and additional information regarding the company's non-GAAP financial measures.

---

## EX-99.2

SEC source: [rf-2026630xexhibitx992.htm](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000050/rf-2026630xexhibitx992.htm)

### Exhibit 99.2

### Regions Financial Corporation and Subsidiaries

### Financial Supplement (unaudited)

### Second Quarter 2026

Financial Supplement (unaudited) to Second Quarter 2026 Earnings Release Table of Contents

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

### *Use of non-GAAP financial measures

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

**Financial Highlights**

| ($ amounts in millions, except per share data) | Quarter Ended / 6/30/2026 | Quarter Ended / 3/31/2026 | Quarter Ended / 12/31/2025 | Quarter Ended / 9/30/2025 | Quarter Ended / 6/30/2025 |
| --- | --- | --- | --- | --- | --- |
| Earnings Summary |  |  |  |  |  |
| Interest income - taxable equivalent | $1,762 | $1,715 | $1,781 | $1,808 | $1,796 |
| Interest expense - taxable equivalent | 471 | 454 | 487 | 539 | 525 |
| Net interest income - taxable equivalent | 1,291 | 1,261 | 1,294 | 1,269 | 1,271 |
| Less: Taxable-equivalent adjustment | 14 | 13 | 13 | 12 | 12 |
| Net interest income | 1,277 | 1,248 | 1,281 | 1,257 | 1,259 |
| Provision for credit losses | 68 | 91 | 115 | 105 | 126 |
| Net interest income after provision for credit losses | 1,209 | 1,157 | 1,166 | 1,152 | 1,133 |
| Non-interest income | 630 | 625 | 640 | 659 | 646 |
| Non-interest expense | 1,121 | 1,068 | 1,098 | 1,103 | 1,073 |
| Income before income taxes | 718 | 714 | 708 | 708 | 706 |
| Income tax expense | 148 | 155 | 174 | 139 | 143 |
| Net income | $570 | $559 | $534 | $569 | $563 |
| Net income available to common shareholders | $549 | $539 | $514 | $548 | $534 |
| Adjusted net income available to common shareholders (non-GAAP) (1) | $583 | $539 | $504 | $561 | $538 |
| Weighted-average shares outstanding—during quarter: |  |  |  |  |  |
| Basic | 854 | 863 | 875 | 890 | 898 |
| Diluted | 857 | 868 | 880 | 894 | 900 |
| Basic earnings per common share | $0.64 | $0.63 | $0.59 | $0.62 | $0.59 |
| Diluted earnings per common share | $0.64 | $0.62 | $0.58 | $0.61 | $0.59 |
| Adjusted diluted earnings per common share (non-GAAP) (1) | $0.68 | $0.62 | $0.57 | $0.63 | $0.60 |
| Balance Sheet Summary |  |  |  |  |  |
| At quarter-end |  |  |  |  |  |
| Loans, net of unearned income | $99,200 | $97,926 | $95,637 | $96,125 | $96,723 |
| Allowance for credit losses | (1,613) | (1,647) | (1,686) | (1,713) | (1,743) |
| Assets | 161,299 | 160,741 | 158,814 | 159,940 | 159,206 |
| Deposits | 130,710 | 131,880 | 131,128 | 130,334 | 130,919 |
| Long-term borrowings | 4,628 | 3,137 | 4,134 | 4,785 | 5,279 |
| Shareholders' equity | 18,840 | 18,779 | 19,043 | 19,049 | 18,666 |
| Average balances |  |  |  |  |  |
| Loans, net of unearned income | $98,722 | $96,423 | $95,651 | $96,647 | $96,077 |
| Assets | 161,237 | 159,287 | 158,107 | 159,089 | 157,974 |
| Deposits | 130,691 | 130,234 | 129,850 | 129,575 | 129,444 |
| Long-term borrowings | 3,617 | 3,750 | 4,524 | 5,527 | 5,660 |
| Shareholders' equity | 18,676 | 19,077 | 18,986 | 18,688 | 18,350 |

(1) See reconciliation of these non-GAAP measures to the most directly comparable GAAP measures on page [19](#i7d370e67f88046a3bde2957d4acf4296_64).

Selected Ratios and Other Information

| Line item | As of and for Quarter Ended / 6/30/2026 | As of and for Quarter Ended / 3/31/2026 | As of and for Quarter Ended / 12/31/2025 | As of and for Quarter Ended / 9/30/2025 | As of and for Quarter Ended / 6/30/2025 |
| --- | --- | --- | --- | --- | --- |
| Return on average assets* (1) | 1.42% | 1.42% | 1.34% | 1.42% | 1.43% |
| Return on average common shareholders' equity* | 12.73% | 12.35% | 11.58% | 12.56% | 12.72% |
| Return on average tangible common shareholders’ equity (non-GAAP)* (2) | 19.01% | 18.26% | 17.17% | 18.81% | 19.34% |
| Adjusted return on average tangible common shareholders' equity (non-GAAP) *(2) | 20.18% | 18.26% | 16.84% | 19.24% | 19.48% |
| Efficiency ratio | 58.3% | 56.6% | 56.8% | 57.2% | 56.0% |
| Adjusted efficiency ratio (non-GAAP) (2) | 56.9% | 56.6% | 57.5% | 56.9% | 56.0% |
| Dividend payout ratio (3) | 41.2% | 42.3% | 44.8% | 43.0% | 42.0% |
| Common book value per share | $20.48 | $20.39 | $20.36 | $19.98 | $19.35 |
| Tangible common book value per share (non-GAAP) (2) | $13.78 | $13.69 | $13.75 | $13.49 | $12.91 |
| Total shareholders' equity to total assets | 11.68% | 11.68% | 11.99% | 11.91% | 11.72% |
| Tangible common shareholders’ equity to tangible assets (non-GAAP) (2) | 7.55% | 7.54% | 7.80% | 7.74% | 7.52% |
| Common equity Tier 1 (4) | $13,692 | $13,419 | $13,490 | $13,620 | $13,533 |
| Total risk-weighted assets (4) | $127,786 | $125,682 | $123,882 | $125,386 | $125,755 |
| Common equity Tier 1 ratio (4) | 10.7% | 10.7% | 10.9% | 10.9% | 10.8% |
| Common equity Tier 1 ratio (inclusive of AOCI) (non-GAAP) (2)(4) | 9.5% | 9.4% | 9.7% | 9.6% | 9.3% |
| Tier 1 capital ratio (4) | 11.8% | 11.8% | 12.0% | 12.0% | 11.9% |
| Total risk-based capital ratio (4) | 13.7% | 13.6% | 13.9% | 13.8% | 13.7% |
| Leverage ratio (4) | 9.7% | 9.6% | 9.7% | 9.7% | 9.7% |
| Effective tax rate | 20.7% | 21.6% | 24.5% | 19.7% | 20.3% |
| Allowance for credit losses as a percentage of loans, net of unearned income | 1.63% | 1.68% | 1.76% | 1.78% | 1.80% |
| Allowance for credit losses to non-performing loans, excluding loans held for sale | 241% | 238% | 242% | 226% | 225% |
| Net interest margin (FTE)* | 3.66% | 3.67% | 3.70% | 3.59% | 3.65% |
| Loans, net of unearned income, to total deposits | 75.9% | 74.3% | 72.9% | 73.8% | 73.9% |
| Net charge-offs as a percentage of average loans* | 0.42% | 0.54% | 0.59% | 0.55% | 0.47% |
| Business criticized loans to total business loans | 5.01% | 5.15% | 5.31% | 5.81% | 7.22% |
| Non-performing loans, excluding loans held for sale, as a percentage of loans | 0.67% | 0.71% | 0.73% | 0.79% | 0.80% |
| Non-performing assets (excluding loans 90 days past due) as a percentage of loans, foreclosed properties, and non-performing loans held for sale | 0.69% | 0.73% | 0.75% | 0.82% | 0.84% |
| Non-performing assets (including loans 90 days past due) as a percentage of loans, foreclosed properties, and non-performing loans held for sale (5) | 0.85% | 0.90% | 0.94% | 0.98% | 1.01% |
| Associate headcount—full-time equivalent | 20,003 | 19,910 | 19,969 | 19,675 | 19,642 |
| ATMs | 1,777 | 1,779 | 1,786 | 1,874 | 1,996 |
| Branch Statistics |  |  |  |  |  |
| Full service | 1,221 | 1,221 | 1,222 | 1,223 | 1,224 |
| Drive-through/transaction service only | 25 | 25 | 25 | 25 | 26 |
| Total branch outlets | 1,246 | 1,246 | 1,247 | 1,248 | 1,250 |

*Annualized

(1) Calculated by dividing net income by average assets.

(2) See reconciliation of these non-GAAP measures to the most directly comparable GAAP measures on pages [13](#i7d370e67f88046a3bde2957d4acf4296_46), [17](#i7d370e67f88046a3bde2957d4acf4296_58), [19](#i7d370e67f88046a3bde2957d4acf4296_64), and [20](#i7d370e67f88046a3bde2957d4acf4296_67).

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

(4) Current quarter Common equity Tier 1, Total risk-weighted assets, Tier 1 capital, Total risk-based capital and Leverage ratios are estimated.

(5) Excludes guaranteed residential first mortgages that are 90+ days past due and still accruing. Refer to the footnotes on page [23](#i7d370e67f88046a3bde2957d4acf4296_73) for amounts related to these loans.

### Consolidated Balance Sheets

| ($ amounts in millions) | As of / 6/30/2026 | As of / 3/31/2026 | As of / 12/31/2025 | As of / 9/30/2025 | As of / 6/30/2025 |
| --- | --- | --- | --- | --- | --- |
| Assets: |  |  |  |  |  |
| Cash and due from banks | $3,177 | $3,445 | $3,112 | $3,073 | $3,245 |
| Interest-bearing deposits in other banks | 6,749 | 7,698 | 7,795 | 9,026 | 7,930 |
| Debt securities held to maturity | 5,271 | 5,434 | 5,606 | 5,769 | 5,972 |
| Debt securities available for sale | 27,388 | 27,419 | 27,560 | 26,886 | 26,333 |
| Loans held for sale | 591 | 464 | 511 | 573 | 594 |
| Loans, net of unearned income | 99,200 | 97,926 | 95,637 | 96,125 | 96,723 |
| Allowance for loan losses | (1,489) | (1,527) | (1,556) | (1,581) | (1,612) |
| Net loans | 97,711 | 96,399 | 94,081 | 94,544 | 95,111 |
| Other earning assets | 1,574 | 1,635 | 1,703 | 1,513 | 1,682 |
| Premises and equipment, net | 1,704 | 1,666 | 1,659 | 1,742 | 1,755 |
| Interest receivable | 495 | 569 | 571 | 574 | 574 |
| Goodwill | 5,733 | 5,733 | 5,733 | 5,733 | 5,733 |
| Residential mortgage servicing rights at fair value (MSRs) | 958 | 954 | 970 | 976 | 988 |
| Other identifiable intangible assets, net | 126 | 133 | 140 | 146 | 153 |
| Other assets | 9,822 | 9,192 | 9,373 | 9,385 | 9,136 |
| Total assets | $161,299 | $160,741 | $158,814 | $159,940 | $159,206 |
| Liabilities and Equity: |  |  |  |  |  |
| Deposits: |  |  |  |  |  |
| Non-interest-bearing | $40,538 | $40,062 | $39,530 | $39,768 | $40,209 |
| Interest-bearing | 90,172 | 91,818 | 91,598 | 90,566 | 90,710 |
| Total deposits | 130,710 | 131,880 | 131,128 | 130,334 | 130,919 |
| Borrowed funds: |  |  |  |  |  |
| Federal funds purchased and securities sold under agreements to repurchase | 200 | 1,200 | — | — | — |
| Other short-term borrowings | 2,800 | 2,000 | 750 | 1,300 | — |
| Short-term borrowings | 3,000 | 3,200 | 750 | 1,300 | — |
| Long-term borrowings | 4,628 | 3,137 | 4,134 | 4,785 | 5,279 |
| Other liabilities | 4,050 | 3,680 | 3,699 | 4,426 | 4,302 |
| Total liabilities | 142,388 | 141,897 | 139,711 | 140,845 | 140,500 |
| Equity: |  |  |  |  |  |
| Preferred stock, non-cumulative perpetual | 1,369 | 1,369 | 1,369 | 1,369 | 1,369 |
| Common stock | 9 | 9 | 9 | 9 | 9 |
| Additional paid-in capital | 9,915 | 9,973 | 10,366 | 10,780 | 11,017 |
| Retained earnings | 10,840 | 10,517 | 10,205 | 9,922 | 9,609 |
| Treasury stock, at cost | (1,371) | (1,371) | (1,371) | (1,371) | (1,371) |
| Accumulated other comprehensive income (loss), net | (1,922) | (1,718) | (1,535) | (1,660) | (1,967) |
| Total shareholders’ equity | 18,840 | 18,779 | 19,043 | 19,049 | 18,666 |
| Noncontrolling interest | 71 | 65 | 60 | 46 | 40 |
| Total equity | 18,911 | 18,844 | 19,103 | 19,095 | 18,706 |
| Total liabilities and equity | $161,299 | $160,741 | $158,814 | $159,940 | $159,206 |

End of Period Loans

**As of**

|  | 6/30/2026 | 6/30/2026 |
| --- | --- | --- |
| 6/30/2025 | vs. 3/31/2026 | vs. 6/30/2025 |
| $$$$$49,586 | $$$$$$2.0% | $4.5% |
| 4,890 | 2.5% | 4.8% |
| 275 | 2.3% | (2.9)% |
| 54,751 | 2.0% | 4.5% |
| 6,949 | 2.5% | 13.6% |
| 2,149 | 7.0% | (3.5)% |
| 9,098 | 3.4% | 9.6% |
| 63,849 | 2.2% | 5.3% |
| 20,020 | (0.6)% | (2.6)% |
| 3,184 | 1.0% | 1.8% |
| 2,352 | (1.0)% | (3.8)% |
| 1,415 | 1.8% | 5.9% |
| 5,903 | (1.9)% | (6.9)% |
| 32,874 | (0.6)% | (2.7)% |
| $$$$$96,723 | $$$$$$1.3% | $2.6% |

(1) The balance of Regions' home equity lines of credit consists of $1,396 million of first lien and $1,845 million of second lien at 6/30/2026.

(2) The balance of Regions' closed-end home equity loans consists of $1,670 million of first lien and $593 million of second lien at 6/30/2026.

(3) Other consumer loans also include Regions' Home Improvement Financing portfolio balances of $4.7 billion at 6/30/2026, $4.8 billion at 3/31/2026, $4.9 billion at 12/31/2025, $5.0 billion at 9/30/2025 and $5.0 billion at 6/30/2025.

| Line item | As of | As of | As of | As of | As of |
| --- | --- | --- | --- | --- | --- |
| End of Period Loans by Percentage(1) | 6/30/2026 | 3/31/2026 | 12/31/2025 | 9/30/2025 | 6/30/2025 |
| Commercial and industrial | 52.3% | 51.9% | 51.0% | 51.2% | 51.3% |
| Commercial real estate mortgage—owner-occupied | 5.2% | 5.1% | 5.1% | 5.0% | 5.1% |
| Commercial real estate construction—owner-occupied | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% |
| Total commercial | 57.7% | 57.3% | 56.4% | 56.5% | 56.6% |
| Commercial investor real estate mortgage | 8.0% | 7.8% | 7.5% | 7.4% | 7.2% |
| Commercial investor real estate construction | 2.1% | 2.0% | 2.0% | 2.0% | 2.2% |
| Total investor real estate | 10.0% | 9.8% | 9.5% | 9.4% | 9.4% |
| Total business | 67.7% | 67.1% | 65.9% | 66.0% | 66.0% |
| Residential first mortgage | 19.7% | 20.1% | 20.7% | 20.7% | 20.7% |
| Home equity—lines of credit | 3.3% | 3.3% | 3.4% | 3.3% | 3.3% |
| Home equity—closed-end | 2.3% | 2.3% | 2.4% | 2.4% | 2.4% |
| Consumer credit card | 1.5% | 1.5% | 1.6% | 1.5% | 1.5% |
| Other consumer | 5.5% | 5.7% | 6.1% | 6.1% | 6.1% |
| Total consumer | 32.3% | 32.9% | 34.1% | 34.0% | 34.0% |
| Total Loans | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |

(1) Amounts have been calculated using whole dollar values, and therefore such amounts may not add to total amounts.

Average Balances of Loans

| Line item | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions, net of unearned income) | 2Q26 |  | 1Q26 |  | 4Q25 |  | 3Q25 |  | 2Q25 |  | 2Q26 vs. 1Q26 |  |  | 2Q26 vs. 2Q25 |  |  |
| Commercial and industrial | $ | $51,504 | $ | $49,572 | $ | $48,769 | $ | $49,588 | $ | $49,033 | $ | $1,932 | 3.9% | $ | $2,471 | 5.0% |
| Commercial real estate mortgage—owner-occupied | 5,089 |  | 4,887 |  | 4,866 |  | 4,860 |  | 4,900 |  | 202 |  | 4.1% | 189 |  | 3.9% |
| Commercial real estate construction—owner-occupied | 253 |  | 259 |  | 260 |  | 274 |  | 270 |  | (6) |  | (2.3)% | (17) |  | (6.3)% |
| Total commercial | 56,846 |  | 54,718 |  | 53,895 |  | 54,722 |  | 54,203 |  | 2,128 |  | 3.9% | 2,643 |  | 4.9% |
| Commercial investor real estate mortgage | 7,798 |  | 7,381 |  | 7,210 |  | 7,087 |  | 6,805 |  | 417 |  | 5.6% | 993 |  | 14.6% |
| Commercial investor real estate construction | 1,991 |  | 1,946 |  | 1,906 |  | 2,051 |  | 2,204 |  | 45 |  | 2.3% | (213) |  | (9.7)% |
| Total investor real estate | 9,789 |  | 9,327 |  | 9,116 |  | 9,138 |  | 9,009 |  | 462 |  | 5.0% | 780 |  | 8.7% |
| Total business | 66,635 |  | 64,045 |  | 63,011 |  | 63,860 |  | 63,212 |  | 2,590 |  | 4.0% | 3,423 |  | 5.4% |
| Residential first mortgage | 19,551 |  | 19,674 |  | 19,822 |  | 19,944 |  | 19,992 |  | (123) |  | (0.6)% | (441) |  | (2.2)% |
| Home equity—lines of credit | 3,226 |  | 3,216 |  | 3,219 |  | 3,197 |  | 3,168 |  | 10 |  | 0.3% | 58 |  | 1.8% |
| Home equity—closed-end | 2,270 |  | 2,298 |  | 2,327 |  | 2,341 |  | 2,357 |  | (28) |  | (1.2)% | (87) |  | (3.7)% |
| Consumer credit card | 1,474 |  | 1,473 |  | 1,458 |  | 1,420 |  | 1,397 |  | 1 |  | 0.1% | 77 |  | 5.5% |
| Other consumer (1) | 5,566 |  | 5,717 |  | 5,814 |  | 5,885 |  | 5,951 |  | (151) |  | (2.6)% | (385) |  | (6.5)% |
| Total consumer | 32,087 |  | 32,378 |  | 32,640 |  | 32,787 |  | 32,865 |  | (291) |  | (0.9)% | (778) |  | (2.4)% |
| Total Loans | $ | $98,722 | $ | $96,423 | $ | $95,651 | $ | $96,647 | $ | $96,077 | $ | $2,299 | 2.4% | $ | $2,645 | 2.8% |

| Line item | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions, net of unearned income) | 2026 |  | 2025 |  | 2026 vs. 2025 |  |  |
| Commercial and industrial | $ | $50,544 | $ | $49,120 | $ | $1,424 | 2.9% |
| Commercial real estate mortgage—owner-occupied | 4,988 |  | 4,882 |  | 106 |  | 2.2% |
| Commercial real estate construction—owner-occupied | 256 |  | 293 |  | (37) |  | (12.6)% |
| Total commercial | 55,788 |  | 54,295 |  | 1,493 |  | 2.7% |
| Commercial investor real estate mortgage | 7,590 |  | 6,646 |  | 944 |  | 14.2% |
| Commercial investor real estate construction | 1,969 |  | 2,235 |  | (266) |  | (11.9)% |
| Total investor real estate | 9,559 |  | 8,881 |  | 678 |  | 7.6% |
| Total business | 65,347 |  | 63,176 |  | 2,171 |  | 3.4% |
| Residential first mortgage | 19,613 |  | 20,015 |  | (402) |  | (2.0)% |
| Home equity—lines of credit | 3,221 |  | 3,152 |  | 69 |  | 2.2% |
| Home equity—closed-end | 2,284 |  | 2,365 |  | (81) |  | (3.4)% |
| Consumer credit card | 1,473 |  | 1,396 |  | 77 |  | 5.5% |
| Other consumer (1) | 5,641 |  | 5,995 |  | (354) |  | (5.9)% |
| Total consumer | 32,232 |  | 32,923 |  | (691) |  | (2.1)% |
| Total Loans | $ | $97,579 | $ | $96,099 | $ | $1,480 | 1.5% |

(1) Other consumer loans also include Regions' Home Improvement Financing portfolio balances of $4.7 billion at 6/30/2026, $4.8 billion at 3/31/2026, $4.9 billion at 12/31/2025, $5.0 billion at 9/30/2025 and $5.1 billion at 6/30/2025 (on a quarter-to-date basis); and balances of $4.8 billion at 6/30/2026 and $5.1 billion at 6/30/2025 (on a year-to-date basis).

End of Period Deposits

**As of**

| Line item | 6/30/2026 | 6/30/2026 |
| --- | --- | --- |
| 6/30/2025 | vs. 3/31/2026 | vs. 6/30/2025 |
| $$$$$40,209 | $$$$$$1.2% | $0.8% |
| 24,704 | (0.1)% | 1.2% |
| 12,187 | (1.0)% | 0.7% |
| 38,525 | (3.2)% | 3.8% |
| 15,294 | (1.4)% | (15.5)% |
| $$$$$130,919 | $$$$$$(0.9)% | $(0.2)% |
| As of |  |  |
|  | 6/30/2026 | 6/30/2026 |
| 6/30/2025 | vs. 3/31/2026 | vs. 6/30/2025 |
| $$$$$79,953 | $$$$$$(0.4)% | $1.3% |
| 40,101 | (1.5)% | (0.4)% |
| 7,352 | (3.7)% | 1.6% |
| 3,513 | 1.5% | (34.0)% |
| $$$$$130,919 | $$$$$$(0.9)% | $(0.2)% |
| As of |  |  |
|  | 6/30/2026 | 6/30/2026 |
| 6/30/2025 | vs. 3/31/2026 | vs. 6/30/2025 |
| $$$$$6,433 | $$$$$$(2.9)% | $1.8% |
| 919 | (8.9)% | —% |
| $$$$$7,352 | $$$$$$(3.7)% | $1.6% |

| Line item | As of | As of | As of | As of | As of |
| --- | --- | --- | --- | --- | --- |
| End of Period Deposits by Percentage | 6/30/2026 | 3/31/2026 | 12/31/2025 | 9/30/2025 | 6/30/2025 |
| Non-interest-bearing deposits | 31.0% | 30.4% | 30.1% | 30.5% | 30.7% |
| Interest-bearing checking | 19.1% | 19.0% | 19.6% | 18.9% | 18.9% |
| Savings | 9.4% | 9.4% | 9.1% | 9.2% | 9.3% |
| Money market—domestic | 30.6% | 31.3% | 30.6% | 30.0% | 29.4% |
| Time deposits | 9.9% | 9.9% | 10.6% | 11.4% | 11.7% |
| Total Deposits | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |

(1) Other deposits represent non-customer balances primarily consisting of wholesale funding (for example, selected deposits and brokered time deposits) and additional wholesale funding arrangements. Other deposits includes brokered deposits totaling $1.6 billion at 6/30/2026, $1.5 billion at 3/31/2026, $1.3 billion at 12/31/2025, $1.8 billion at 9/30/2025 and $2.8 billion at 6/30/2025.

Average Balances of Deposits

| Line item | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions) | 2Q26 |  | 1Q26 |  | 4Q25 |  | 3Q25 |  | 2Q25 |  | 2Q26 vs. 1Q26 |  |  | 2Q26 vs. 2Q25 |  |
| Non-interest-bearing deposits | $ | $39,738 | $ | $39,160 | $ | $39,459 | $ | $39,538 | $ | $39,556 | $ | $578 | 1.5% | $182 | 0.5% |
| Interest-bearing checking | 25,121 |  | 25,245 |  | 24,528 |  | 24,274 |  | 24,865 |  | (124) |  | (0.5)% | 256 | 1.0% |
| Savings | 12,355 |  | 12,075 |  | 11,876 |  | 12,046 |  | 12,300 |  | 280 |  | 2.3% | 55 | 0.4% |
| Money market—domestic | 40,382 |  | 40,366 |  | 39,591 |  | 38,593 |  | 37,389 |  | 16 |  | — | 2,993 | 8.0% |
| Time deposits | 13,095 |  | 13,388 |  | 14,396 |  | 15,124 |  | 15,334 |  | (293) |  | (2.2)% | (2,239) | (14.6)% |
| Total Deposits | $ | $130,691 | $ | $130,234 | $ | $129,850 | $ | $129,575 | $ | $129,444 | $ | $457 | 0.4% | 1,247 | 1.0% |

| Line item | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions) | 2Q26 |  | 1Q26 |  | 4Q25 |  | 3Q25 |  | 2Q25 |  | 2Q26 vs. 1Q26 |  |  | 2Q26 vs. 2Q25 |  |  |
| Consumer Bank Segment | $ | $80,624 | $ | $79,599 | $ | $79,437 | $ | $79,698 | $ | $79,912 | $ | $1,025 | 1.3% | $ | $712 | 0.9% |
| Corporate Bank Segment | 40,106 |  | 40,707 |  | 40,243 |  | 39,733 |  | 39,234 |  | (601) |  | (1.5)% | 872 |  | 2.2% |
| Wealth Management Segment | 7,594 |  | 7,777 |  | 7,810 |  | 7,262 |  | 7,324 |  | (183) |  | (2.4)% | 270 |  | 3.7% |
| Other (1) | 2,367 |  | 2,151 |  | 2,360 |  | 2,882 |  | 2,974 |  | 216 |  | 10.0% | (607) |  | (20.4)% |
| Total Deposits | $ | $130,691 | $ | $130,234 | $ | $129,850 | $ | $129,575 | $ | $129,444 | $ | $457 | 0.4% | $ | $1,247 | 1.0% |

| Line item | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances | Average Balances |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions) | 2Q26 |  | 1Q26 |  | 4Q25 |  | 3Q25 |  | 2Q25 |  | 2Q26 vs. 1Q26 |  |  | 2Q26 vs. 2Q25 |  |  |
| Wealth Management - Private Wealth | $ | $6,672 | $ | $6,747 | $ | $6,719 | $ | $6,604 | $ | $6,705 | $ | $(75) | (1.1)% | $ | $(33) | (0.5)% |
| Wealth Management - Institutional Services | 922 |  | 1,030 |  | 1,091 |  | 658 |  | 619 |  | (108) |  | (10.5)% | 303 |  | 48.9% |
| Total Wealth Management Segment Deposits | $ | $7,594 | $ | $7,777 | $ | $7,810 | $ | $7,262 | $ | $7,324 | $ | $(183) | (2.4)% | $ | $270 | 3.7% |

| Line item | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions) | 2026 |  | 2025 |  | 2026 vs. 2025 |  |  |
| Interest-free deposits | $ | $39,450 | $ | $39,305 | $ | $145 | 0.4% |
| Interest-bearing checking | 25,183 |  | 24,949 |  | 234 |  | 0.9% |
| Savings | 12,216 |  | 12,239 |  | (23) |  | (0.2)% |
| Money market—domestic | 40,374 |  | 36,512 |  | 3,862 |  | 10.6% |
| Time deposits | 13,241 |  | 15,565 |  | (2,324) |  | (14.9)% |
| Total Deposits | $ | $130,464 | $ | $128,570 | $ | $1,894 | 1.5% |

| Line item | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions) | 2026 |  | 2025 |  | 2026 vs. 2025 |  |  |
| Consumer Bank Segment | $ | $80,114 | $ | $79,315 | $ | $799 | 1.0% |
| Corporate Bank Segment | 40,405 |  | 38,776 |  | 1,629 |  | 4.2% |
| Wealth Management Segment | 7,685 |  | 7,461 |  | 224 |  | 3.0% |
| Other (1) | 2,260 |  | 3,018 |  | (758) |  | (25.1)% |
| Total Deposits | $ | $130,464 | $ | $128,570 | $ | $1,894 | 1.5% |

| Line item | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 | Average Balances / Six Months Ended June 30 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions) | 2026 |  | 2025 |  | 2026 vs. 2025 |  |  |
| Wealth Management - Private Wealth | $ | $6,709 | $ | $6,800 | $ | $(91) | (1.3)% |
| Wealth Management - Institutional Services | 976 |  | 661 |  | 315 |  | 47.7% |
| Total Wealth Management Segment Deposits | $ | $7,685 | $ | $7,461 | $ | $224 | 3.0% |

(1) Other deposits represent non-customer balances primarily consisting of wholesale funding (for example, selected deposits and brokered time deposits) and additional wholesale funding arrangements.

### Consolidated Statements of Income (unaudited)

| ($ amounts in millions, except per share data) | Quarter Ended / 6/30/2026 | Quarter Ended / 3/31/2026 | Quarter Ended / 12/31/2025 | Quarter Ended / 9/30/2025 | Quarter Ended / 6/30/2025 |
| --- | --- | --- | --- | --- | --- |
| Interest income on: |  |  |  |  |  |
| Loans, including fees | $1,351 | $1,313 | $1,358 | $1,386 | $1,377 |
| Debt securities | 305 | 298 | 300 | 293 | 286 |
| Loans held for sale | 8 | 8 | 9 | 9 | 9 |
| Other earning assets | 84 | 83 | 101 | 108 | 112 |
| Total interest income | 1,748 | 1,702 | 1,768 | 1,796 | 1,784 |
| Interest expense on: |  |  |  |  |  |
| Deposits | 385 | 385 | 421 | 456 | 447 |
| Short-term borrowings | 34 | 17 | 4 | 8 | 1 |
| Long-term borrowings | 52 | 52 | 62 | 75 | 77 |
| Total interest expense | 471 | 454 | 487 | 539 | 525 |
| Net interest income | 1,277 | 1,248 | 1,281 | 1,257 | 1,259 |
| Provision for credit losses | 68 | 91 | 115 | 105 | 126 |
| Net interest income after provision for credit losses | 1,209 | 1,157 | 1,166 | 1,152 | 1,133 |
| Non-interest income: |  |  |  |  |  |
| Service charges on deposit accounts | 167 | 163 | 163 | 160 | 151 |
| Card and ATM fees | 126 | 117 | 123 | 122 | 125 |
| Wealth management income | 150 | 141 | 143 | 139 | 133 |
| Capital markets income | 84 | 84 | 80 | 104 | 83 |
| Mortgage income | 33 | 32 | 32 | 38 | 48 |
| Securities gains (losses), net | (41) | (3) | — | (27) | (1) |
| Other | 111 | 91 | 99 | 123 | 107 |
| Total non-interest income | 630 | 625 | 640 | 659 | 646 |
| Non-interest expense: |  |  |  |  |  |
| Salaries and employee benefits | 697 | 659 | 662 | 671 | 658 |
| Equipment and software expense | 107 | 108 | 112 | 106 | 104 |
| Net occupancy expense | 73 | 72 | 74 | 72 | 72 |
| Other | 244 | 229 | 250 | 254 | 239 |
| Total non-interest expense | 1,121 | 1,068 | 1,098 | 1,103 | 1,073 |
| Income before income taxes | 718 | 714 | 708 | 708 | 706 |
| Income tax expense | 148 | 155 | 174 | 139 | 143 |
| Net income | $570 | $559 | $534 | $569 | $563 |
| Net income available to common shareholders | $549 | $539 | $514 | $548 | $534 |
| Weighted-average shares outstanding—during quarter: |  |  |  |  |  |
| Basic | 854 | 863 | 875 | 890 | 898 |
| Diluted | 857 | 868 | 880 | 894 | 900 |
| Actual shares outstanding—end of quarter | 853 | 854 | 868 | 885 | 894 |
| Earnings per common share: (1) |  |  |  |  |  |
| Basic | $0.64 | $0.63 | $0.59 | $0.62 | $0.59 |
| Diluted | $0.64 | $0.62 | $0.58 | $0.61 | $0.59 |
| Taxable-equivalent net interest income | $1,291 | $1,261 | $1,294 | $1,269 | $1,271 |

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

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

| ($ amounts in millions, except per share data) | Six Months Ended June 30 / 2026 | Six Months Ended June 30 / 2025 |
| --- | --- | --- |
| Interest income on: |  |  |
| Loans, including fees | $2,664 | $2,719 |
| Debt securities | 603 | 552 |
| Loans held for sale | 16 | 17 |
| Other earning assets | 167 | 221 |
| Total interest income | 3,450 | 3,509 |
| Interest expense on: |  |  |
| Deposits | 770 | 889 |
| Short-term borrowings | 51 | 5 |
| Long-term borrowings | 104 | 162 |
| Total interest expense | 925 | 1,056 |
| Net interest income | 2,525 | 2,453 |
| Provision for credit losses | 159 | 250 |
| Net interest income after provision for credit losses | 2,366 | 2,203 |
| Non-interest income: |  |  |
| Service charges on deposit accounts | 330 | 312 |
| Card and ATM fees | 243 | 242 |
| Wealth management income | 291 | 262 |
| Capital markets income | 168 | 163 |
| Mortgage income | 65 | 88 |
| Securities gains (losses), net | (44) | (26) |
| Other | 202 | 195 |
| Total non-interest income | 1,255 | 1,236 |
| Non-interest expense: |  |  |
| Salaries and employee benefits | 1,356 | 1,283 |
| Equipment and software expense | 215 | 203 |
| Net occupancy expense | 145 | 142 |
| Other | 473 | 484 |
| Total non-interest expense | 2,189 | 2,112 |
| Income before income taxes | 1,432 | 1,327 |
| Income tax expense | 303 | 274 |
| Net income | $1,129 | $1,053 |
| Net income available to common shareholders | $1,088 | $999 |
| Weighted-average shares outstanding—during year: |  |  |
| Basic | 858 | 902 |
| Diluted | 862 | 905 |
| Actual shares outstanding—end of period | 853 | 894 |
| Earnings per common share: |  |  |
| Basic | $1.27 | $1.11 |
| Diluted | $1.26 | $1.10 |
| Taxable-equivalent net interest income | $2,552 | $2,477 |

Consolidated Average Daily Balances and Yield/Rate Analysis

| ($ amounts in millions; yields on taxable-equivalent basis) | Quarter Ended / 6/30/2026 / Average Balance | Quarter Ended / 6/30/2026 / Income/ Expense | Quarter Ended / 6/30/2026 / Yield/ Rate (1) | Quarter Ended / 3/31/2026 / Average Balance | Quarter Ended / 3/31/2026 / Income/ Expense | Quarter Ended / 3/31/2026 / Yield/ Rate (1) |
| --- | --- | --- | --- | --- | --- | --- |
| Assets |  |  |  |  |  |  |
| Earning assets: |  |  |  |  |  |  |
| Debt securities (2)(3) | $33,286 | $305 | 3.66% | $33,530 | $298 | 3.56% |
| Loans held for sale | 512 | 8 | 6.16 | 579 | 8 | 5.48 |
| Loans, net of unearned income: |  |  |  |  |  |  |
| Commercial and industrial (4) | 51,504 | 697 | 5.36 | 49,572 | 665 | 5.37 |
| Commercial real estate mortgage—owner-occupied (5) | 5,089 | 66 | 5.14 | 4,887 | 63 | 5.14 |
| Commercial real estate construction—owner-occupied | 253 | 3 | 5.73 | 259 | 4 | 5.60 |
| Commercial investor real estate mortgage | 7,798 | 111 | 5.63 | 7,381 | 106 | 5.72 |
| Commercial investor real estate construction | 1,991 | 32 | 6.40 | 1,946 | 32 | 6.51 |
| Residential first mortgage | 19,551 | 201 | 4.11 | 19,674 | 200 | 4.07 |
| Home equity | 5,496 | 89 | 6.48 | 5,514 | 89 | 6.50 |
| Consumer credit card | 1,474 | 50 | 13.69 | 1,473 | 51 | 14.00 |
| Other consumer | 5,566 | 116 | 8.31 | 5,717 | 116 | 8.26 |
| Total loans, net of unearned income | 98,722 | 1,365 | 5.50 | 96,423 | 1,326 | 5.51 |
| Interest-bearing deposits in other banks | 7,291 | 69 | 3.78 | 7,415 | 69 | 3.79 |
| Other earning assets | 1,526 | 15 | 4.06 | 1,481 | 14 | 3.72 |
| Total earning assets | 141,337 | 1,762 | 4.96 | 139,428 | 1,715 | 4.93 |
| Unrealized gains/(losses) on debt securities available for sale, net (2) | (769) |  |  | (580) |  |  |
| Allowance for loan losses | (1,533) |  |  | (1,552) |  |  |
| Cash and due from banks | 3,247 |  |  | 3,275 |  |  |
| Other non-earning assets | 18,955 |  |  | 18,716 |  |  |
|  | $161,237 |  |  | $159,287 |  |  |
| Liabilities and Shareholders’ Equity |  |  |  |  |  |  |
| Interest-bearing liabilities: |  |  |  |  |  |  |
| Savings | $12,355 | 4 | 0.12 | $12,075 | 4 | 0.13 |
| Interest-bearing checking | 25,121 | 74 | 1.17 | 25,245 | 71 | 1.15 |
| Money market | 40,382 | 209 | 2.07 | 40,366 | 207 | 2.08 |
| Time deposits | 13,095 | 98 | 3.02 | 13,388 | 103 | 3.12 |
| Total interest-bearing deposits (6) | 90,953 | 385 | 1.69 | 91,074 | 385 | 1.72 |
| Federal funds purchased and securities sold under agreements to repurchase | 1,096 | 9 | 3.64 | 655 | 7 | 3.66 |
| Other short-term borrowings | 2,592 | 25 | 3.81 | 1,077 | 10 | 3.80 |
| Long-term borrowings | 3,617 | 52 | 5.69 | 3,750 | 52 | 5.56 |
| Total interest-bearing liabilities | 98,258 | 471 | 1.92 | 96,556 | 454 | 1.91 |
| Non-interest-bearing deposits (6) | 39,738 | — | — | 39,160 | — | — |
| Total funding sources | 137,996 | 471 | 1.37 | 135,716 | 454 | 1.35 |
| Net interest spread (2) |  |  | 3.04 |  |  | 3.02 |
| Other liabilities | 4,500 |  |  | 4,435 |  |  |
| Shareholders’ equity | 18,676 |  |  | 19,077 |  |  |
| Noncontrolling interest | 65 |  |  | 59 |  |  |
|  | $161,237 |  |  | $159,287 |  |  |
| Net interest income/margin FTE basis (2) |  | $1,291 | 3.66% |  | $1,261 | 3.67% |

(1) Amounts have been calculated using whole dollar values and the prevailing interest accrual methodology.

(2) Debt securities are included on an amortized cost basis with yield and net interest margin calculated accordingly.

(3) Interest income includes hedging income of $1 million and $1 million for the quarter ended June 30, 2026 and March 31, 2026, respectively.

(4) Interest income includes hedging expense of $30 million and $32 million for the quarter ended June 30, 2026 and March 31, 2026, respectively.

(5) Interest income includes hedging expense of $4 million and $4 million for the quarter ended June 30, 2026 and March 31, 2026, respectively.

(6) Total deposit costs may be calculated by dividing total interest expense on deposits by the sum of interest-bearing deposits and non-interest-bearing deposits. The rates for total deposit costs equal 1.18% and 1.20% for the quarter ended June 30, 2026 and March 31, 2026, respectively.

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

| ($ amounts in millions; yields on taxable-equivalent basis) | Quarter Ended / 12/31/2025 / Average Balance | Quarter Ended / 12/31/2025 / Income/ Expense | Quarter Ended / 12/31/2025 / Yield/ Rate (1) | Quarter Ended / 9/30/2025 / Average Balance | Quarter Ended / 9/30/2025 / Income/ Expense | Quarter Ended / 9/30/2025 / Yield/ Rate (1) | Quarter Ended / 6/30/2025 / Average Balance | Quarter Ended / 6/30/2025 / Income/ Expense | Quarter Ended / 6/30/2025 / Yield/ Rate (1) |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Assets |  |  |  |  |  |  |  |  |  |
| Earning assets: |  |  |  |  |  |  |  |  |  |
| Federal funds sold and securities purchased under agreements to resell | — | — | — | — | — | — | $1 | — | 4.44% |
| Debt securities (2)(3) | 33,464 | 300 | 3.58 | 33,223 | 293 | 3.53 | 32,882 | 286 | 3.48 |
| Loans held for sale | 642 | 9 | 5.73 | 662 | 9 | 5.52 | 500 | 9 | 7.14 |
| Loans, net of unearned income: |  |  |  |  |  |  |  |  |  |
| Commercial and industrial (4) | 48,769 | 688 | 5.53 | 49,588 | 714 | 5.65 | 49,033 | 708 | 5.72 |
| Commercial real estate mortgage—owner-occupied (5) | 4,866 | 65 | 5.16 | 4,860 | 62 | 5.04 | 4,900 | 63 | 5.02 |
| Commercial real estate construction—owner-occupied | 260 | 3 | 5.72 | 274 | 4 | 5.96 | 270 | 4 | 5.75 |
| Commercial investor real estate mortgage | 7,210 | 116 | 6.29 | 7,087 | 114 | 6.30 | 6,805 | 113 | 6.55 |
| Commercial investor real estate construction | 1,906 | 33 | 6.85 | 2,051 | 37 | 7.12 | 2,204 | 40 | 7.10 |
| Residential first mortgage | 19,822 | 202 | 4.07 | 19,944 | 202 | 4.06 | 19,992 | 200 | 3.99 |
| Home equity | 5,546 | 91 | 6.57 | 5,538 | 91 | 6.54 | 5,525 | 90 | 6.51 |
| Consumer credit card | 1,458 | 51 | 14.06 | 1,420 | 52 | 14.46 | 1,397 | 50 | 14.24 |
| Other consumer | 5,814 | 122 | 8.26 | 5,885 | 122 | 8.14 | 5,951 | 121 | 8.33 |
| Total loans, net of unearned income | 95,651 | 1,371 | 5.65 | 96,647 | 1,398 | 5.70 | 96,077 | 1,389 | 5.75 |
| Interest-bearing deposits in other banks | 7,596 | 79 | 4.07 | 8,316 | 94 | 4.51 | 8,737 | 97 | 4.49 |
| Other earning assets | 1,456 | 22 | 6.21 | 1,519 | 14 | 3.63 | 1,466 | 15 | 3.96 |
| Total earning assets | 138,809 | 1,781 | 5.07 | 140,367 | 1,808 | 5.09 | 139,663 | 1,796 | 5.12 |
| Unrealized gains/(losses) on debt securities available for sale, net (2) | (641) |  |  | (1,001) |  |  | (1,348) |  |  |
| Allowance for loan losses | (1,545) |  |  | (1,616) |  |  | (1,643) |  |  |
| Cash and due from banks | 3,055 |  |  | 2,892 |  |  | 2,893 |  |  |
| Other non-earning assets | 18,429 |  |  | 18,447 |  |  | 18,409 |  |  |
|  | $158,107 |  |  | $159,089 |  |  | $157,974 |  |  |
| Liabilities and Shareholders’ Equity |  |  |  |  |  |  |  |  |  |
| Interest-bearing liabilities: |  |  |  |  |  |  |  |  |  |
| Savings | $11,876 | 3 | 0.10 | $12,046 | 4 | 0.13 | $12,300 | 4 | 0.13 |
| Interest-bearing checking | 24,528 | 78 | 1.26 | 24,274 | 86 | 1.41 | 24,865 | 88 | 1.41 |
| Money market | 39,591 | 220 | 2.20 | 38,593 | 234 | 2.40 | 37,389 | 220 | 2.37 |
| Time deposits | 14,396 | 120 | 3.33 | 15,124 | 132 | 3.45 | 15,334 | 135 | 3.52 |
| Total interest-bearing deposits (6) | 90,391 | 421 | 1.85 | 90,037 | 456 | 2.01 | 89,888 | 447 | 1.99 |
| Federal funds purchased and securities sold under agreements to repurchase | 52 | 2 | 3.91 | 48 | — | 4.36 | 80 | 1 | 4.40 |
| Other short-term borrowings | 211 | 2 | 4.25 | 696 | 8 | 4.49 | — | — | — |
| Long-term borrowings | 4,524 | 62 | 5.40 | 5,527 | 75 | 5.39 | 5,660 | 77 | 5.36 |
| Total interest-bearing liabilities | 95,178 | 487 | 2.03 | 96,308 | 539 | 2.22 | 95,628 | 525 | 2.20 |
| Non-interest-bearing deposits (6) | 39,459 | — | — | 39,538 | — | — | 39,556 | — | — |
| Total funding sources | 134,637 | 487 | 1.43 | 135,846 | 539 | 1.57 | 135,184 | 525 | 1.55 |
| Net interest spread (2) |  |  | 3.04 |  |  | 2.87 |  |  | 2.92 |
| Other liabilities | 4,438 |  |  | 4,515 |  |  | 4,403 |  |  |
| Shareholders’ equity | 18,986 |  |  | 18,688 |  |  | 18,350 |  |  |
| Noncontrolling interest | 46 |  |  | 40 |  |  | 37 |  |  |
|  | $158,107 |  |  | $159,089 |  |  | $157,974 |  |  |
| Net interest income/margin FTE basis (2) |  | $1,294 | 3.70% |  | $1,269 | 3.59% |  | $1,271 | 3.65% |

(1) Amounts have been calculated using whole dollar values and the prevailing interest accrual methodology.

(2) Debt securities are included on an amortized cost basis with yield and net interest margin calculated accordingly.

(3) Interest income includes hedge income of $5 million, $7 million, $6 million and for the quarter ended December 31, 2025, September 30, 2025, and June 30, 2025, respectively.

(4) Interest income includes hedging expense of $44 million, $58 million, and $53 million for the quarter ended December 31, 2025, September 30, 2025, and June 30, 2025, respectively.

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

(6) Total deposit costs may be calculated by dividing total interest expense on deposits by the sum of interest-bearing deposits and non-interest-bearing deposits. The rates for total deposit costs equal 1.29%, 1.39%, and 1.39% for the quarter ended December 31, 2025, September 30, 2025, and June 30, 2025, respectively.

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

| ($ amounts in millions; yields on taxable-equivalent basis) | Six Months Ended June 30 / 2026 / Average Balance | Six Months Ended June 30 / 2026 / Income/ Expense | Six Months Ended June 30 / 2026 / Yield/ Rate (1) | Six Months Ended June 30 / 2025 / Average Balance | Six Months Ended June 30 / 2025 / Income/ Expense | Six Months Ended June 30 / 2025 / Yield/ Rate (1) |
| --- | --- | --- | --- | --- | --- | --- |
| Assets |  |  |  |  |  |  |
| Earning assets: |  |  |  |  |  |  |
| Federal funds sold and securities purchased under agreements to resell | — | — | — | $1 | — | 4.44% |
| Debt securities (2)(3) | 33,407 | 603 | 3.61 | 32,583 | 552 | 3.39 |
| Loans held for sale | 546 | 16 | 5.80 | 471 | 17 | 7.20 |
| Loans, net of unearned income: |  |  |  |  |  |  |
| Commercial and industrial (4) | 50,544 | 1,362 | 5.37 | 49,120 | 1,395 | 5.65 |
| Commercial real estate mortgage—owner-occupied (5) | 4,988 | 129 | 5.14 | 4,882 | 122 | 4.95 |
| Commercial real estate construction—owner-occupied | 256 | 7 | 5.66 | 293 | 9 | 5.77 |
| Commercial investor real estate mortgage | 7,590 | 217 | 5.67 | 6,646 | 213 | 6.36 |
| Commercial investor real estate construction | 1,969 | 64 | 6.45 | 2,235 | 80 | 7.08 |
| Residential first mortgage | 19,613 | 401 | 4.09 | 20,015 | 398 | 3.97 |
| Home equity | 5,505 | 178 | 6.49 | 5,517 | 181 | 6.57 |
| Consumer credit card | 1,473 | 101 | 13.84 | 1,396 | 100 | 14.39 |
| Other consumer | 5,641 | 232 | 8.28 | 5,995 | 245 | 8.30 |
| Total loans, net of unearned income | 97,579 | 2,691 | 5.50 | 96,099 | 2,743 | 5.69 |
| Interest-bearing deposits in other banks | 7,353 | 138 | 3.79 | 8,637 | 191 | 4.47 |
| Other earning assets | 1,503 | 29 | 3.89 | 1,475 | 30 | 4.07 |
| Total earning assets | 140,388 | 3,477 | 4.95 | 139,266 | 3,533 | 5.07 |
| Unrealized gains/(losses) on debt securities available for sale, net (2) | (675) |  |  | (1,531) |  |  |
| Allowance for loan losses | (1,542) |  |  | (1,634) |  |  |
| Cash and due from banks | 3,261 |  |  | 2,925 |  |  |
| Other non-earning assets | 18,836 |  |  | 18,402 |  |  |
|  | $160,268 |  |  | $157,428 |  |  |
| Liabilities and Shareholders’ Equity |  |  |  |  |  |  |
| Interest-bearing liabilities: |  |  |  |  |  |  |
| Savings | $12,216 | 8 | 0.13 | $12,239 | 8 | 0.13 |
| Interest-bearing checking | 25,183 | 145 | 1.16 | 24,949 | 177 | 1.43 |
| Money market | 40,374 | 416 | 2.08 | 36,512 | 424 | 2.35 |
| Time deposits | 13,241 | 201 | 3.07 | 15,565 | 280 | 3.63 |
| Total interest-bearing deposits (6) | 91,014 | 770 | 1.70 | 89,265 | 889 | 2.01 |
| Federal funds purchased and securities sold under agreements to repurchase | 877 | 16 | 3.65 | 60 | 1 | 4.40 |
| Other short-term borrowings | 1,839 | 35 | 3.81 | 168 | 4 | 4.59 |
| Long-term borrowings | 3,683 | 104 | 5.62 | 5,830 | 162 | 5.51 |
| Total interest-bearing liabilities | 97,413 | 925 | 1.91 | 95,323 | 1,056 | 2.23 |
| Non-interest-bearing deposits (6) | 39,450 | — | — | 39,305 | — | — |
| Total funding sources | 136,863 | 925 | 1.36 | 134,628 | 1,056 | 1.58 |
| Net interest spread (2) |  |  | 3.04 |  |  | 2.83 |
| Other liabilities | 4,468 |  |  | 4,526 |  |  |
| Shareholders’ equity | 18,875 |  |  | 18,240 |  |  |
| Noncontrolling interest | 62 |  |  | 34 |  |  |
|  | $160,268 |  |  | $157,428 |  |  |
| Net interest income/margin FTE basis (2) |  | $2,552 | 3.67% |  | $2,477 | 3.59% |

(1) Amounts have been calculated using whole dollar values and the prevailing interest accrual methodology.

(2) Debt securities are included on an amortized cost basis with yield and net interest margin calculated accordingly.

(3) Interest income includes hedging income of $2 million and $8 million for the six months ended June 30, 2026 and 2025, respectively.

(4) Interest income includes hedging expense of $62 million and $113 million for the six months ended June 30, 2026 and 2025, respectively.

(5) Interest income includes hedging expense of $8 million and $14 million for the six months ended June 30, 2026 and 2025, respectively.

(6) Total deposit costs may be calculated by dividing total interest expense on deposits by the sum of interest-bearing deposits and non-interest bearing deposits. The rates for total

deposit costs equal 1.19% and 1.39% for the six months ended June 30, 2026 and 2025, respectively.

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.

| Line item | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions) | 6/30/2026 |  | 3/31/2026 |  | 12/31/2025 |  | 9/30/2025 |  | 6/30/2025 |  | 2Q26 vs. 1Q26 |  |  | 2Q26 vs. 2Q25 |  |  |
| Net income available to common shareholders (GAAP) | $ | $549 | $ | $539 | $ | $514 | $ | $548 | $ | $534 | $ | $10 | 1.9% | $ | $15 | 2.8% |
| Preferred dividends and other (GAAP) (1) | 21 |  | 20 |  | 20 |  | 21 |  | 29 |  | 1 |  | 5.0% | (8) |  | (27.6)% |
| Income tax expense (GAAP) | 148 |  | 155 |  | 174 |  | 139 |  | 143 |  | (7) |  | (4.5)% | 5 |  | 3.5% |
| Income before income taxes (GAAP) | 718 |  | 714 |  | 708 |  | 708 |  | 706 |  | 4 |  | 0.6% | 12 |  | 1.7% |
| Provision for credit losses (GAAP) | 68 |  | 91 |  | 115 |  | 105 |  | 126 |  | (23) |  | (25.3)% | (58) |  | (46.0)% |
| Pre-tax pre-provision income (non-GAAP) | 786 |  | 805 |  | 823 |  | 813 |  | 832 |  | (19) |  | (2.4)% | (46) |  | (5.5)% |
| Other adjustments: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Securities (gains) losses, net | 40 |  | — |  | — |  | 25 |  | — |  | 40 |  | NM | 40 |  | NM |
| FDIC insurance special assessment | — |  | — |  | (14) |  | (3) |  | (1) |  | — |  | NM | 1 |  | 100.0% |
| Salaries and employee benefits—severance charges | — |  | — |  | — |  | — |  | 1 |  | — |  | NM | (1) |  | (100.0)% |
| Branch consolidation, property and equipment charges | 5 |  | — |  | — |  | (5) |  | — |  | 5 |  | NM | 5 |  | NM |
| Total other adjustments | 45 |  | — |  | (14) |  | 17 |  | — |  | 45 |  | NM | 45 |  | NM |
| Adjusted pre-tax pre-provision income (non-GAAP) | $ | $831 | $ | $805 | $ | $809 | $ | $830 | $ | $832 | $ | $26 | 3.2% | $ | $(1) | (0.1)% |

NM - Not meaningful

(1) The second quarter 2025 amount includes $4 million of deferred issuance costs recognized upon the redemption of Series D preferred stock.

Non-Interest Income

| Line item | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions) | 6/30/2026 |  | 3/31/2026 |  | 12/31/2025 |  | 9/30/2025 |  | 6/30/2025 |  | 2Q26 vs. 1Q26 |  |  | 2Q26 vs. 2Q25 |  |  |
| Service charges on deposit accounts | $ | $167 | $ | $163 | $ | $163 | $ | $160 | $ | $151 | $ | $4 | 2.5% | $ | $16 | 10.6% |
| Card and ATM fees | 126 |  | 117 |  | 123 |  | 122 |  | 125 |  | 9 |  | 7.7% | 1 |  | 0.8% |
| Wealth management income | 150 |  | 141 |  | 143 |  | 139 |  | 133 |  | 9 |  | 6.4% | 17 |  | 12.8% |
| Capital markets income (1) | 84 |  | 84 |  | 80 |  | 104 |  | 83 |  | — |  | — | 1 |  | 1.2% |
| Mortgage income | 33 |  | 32 |  | 32 |  | 38 |  | 48 |  | 1 |  | 3.1% | (15) |  | (31.3)% |
| Commercial credit fee income | 28 |  | 30 |  | 30 |  | 28 |  | 29 |  | (2) |  | (6.7)% | (1) |  | (3.4)% |
| BOLI income | 24 |  | 30 |  | 23 |  | 25 |  | 24 |  | (6) |  | (20.0)% | — |  | — |
| Market value adjustments on employee benefit assets (2) | 24 |  | (5) |  | (5) |  | 12 |  | 16 |  | 29 |  | NM | 8 |  | 50.0% |
| Securities gains (losses), net | (41) |  | (3) |  | — |  | (27) |  | (1) |  | (38) |  | NM | (40) |  | NM |
| Other miscellaneous income | 35 |  | 36 |  | 51 |  | 58 |  | 38 |  | (1) |  | (2.8)% | (3) |  | (7.9)% |
| Total non-interest income | $ | $630 | $ | $625 | $ | $640 | $ | $659 | $ | $646 | $ | $5 | 0.8% | $ | $(16) | (2.5)% |

**Service Charges on Deposit Accounts by Segment**

| Line item | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions) | 6/30/2026 |  | 3/31/2026 |  | 12/31/2025 |  | 9/30/2025 |  | 6/30/2025 |  | 2Q26 vs. 1Q26 |  |  | 2Q26 vs. 2Q25 |  |  |
| Consumer Bank Segment (3) | $ | $100 | $ | $96 | $ | $101 | $ | $99 | $ | $90 | $ | $4 | 4.2% | $ | $10 | 11.1% |
| Corporate Bank Segment (4) | 66 |  | 66 |  | 61 |  | 61 |  | 60 |  | — |  | — | 6 |  | 10.0% |
| Wealth Management Segment | 1 |  | 1 |  | 1 |  | — |  | 1 |  | — |  | — | — |  | — |
| Total service charges on deposit accounts | $ | $167 | $ | $163 | $ | $163 | $ | $160 | $ | $151 | $ | $4 | 2.5% | $ | $16 | 10.6% |

Wealth Management Income

| Line item | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions) | 6/30/2026 |  | 3/31/2026 |  | 12/31/2025 |  | 9/30/2025 |  | 6/30/2025 |  | 2Q26 vs. 1Q26 |  |  | 2Q26 vs. 2Q25 |  |  |
| Investment management and trust fee income | $ | $97 | $ | $92 | $ | $95 | $ | $91 | $ | $90 | $ | $5 | 5.4% | $ | $7 | 7.8% |
| Investment services fee income | 53 |  | 49 |  | 48 |  | 48 |  | 43 |  | 4 |  | 8.2% | 10 |  | 23.3% |
| Total wealth management income (5) | $ | $150 | $ | $141 | $ | $143 | $ | $139 | $ | $133 | $ | $9 | 6.4% | $ | $17 | 12.8% |

**Capital Markets Income**

| Line item | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions) | 6/30/2026 |  | 3/31/2026 |  | 12/31/2025 |  | 9/30/2025 |  | 6/30/2025 |  | 2Q26 vs. 1Q26 |  |  | 2Q26 vs. 2Q25 |  |  |
| Capital markets income | $ | $84 | $ | $84 | $ | $80 | $ | $104 | $ | $83 | $ | — | — | $ | $1 | 1.2% |
| Less: Valuation adjustments on customer derivatives (6) | (2) |  | 1 |  | — |  | — |  | (2) |  | (3) |  | (300.0)% | — |  | — |
| Capital markets income excluding valuation adjustments | $ | $86 | $ | $83 | $ | $80 | $ | $104 | $ | $85 | $ | $3 | 3.6% | $ | $1 | 1.2% |

Mortgage Income

| Line item | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions) | 6/30/2026 |  | 3/31/2026 |  | 12/31/2025 |  | 9/30/2025 |  | 6/30/2025 |  | 2Q26 vs. 1Q26 |  |  | 2Q26 vs. 2Q25 |  |  |
| Production and sales | $ | $17 | $ | $18 | $ | $17 | $ | $17 | $ | $17 | $ | $(1) | (5.6)% | $ | — | — |
| Loan servicing | 45 |  | 46 |  | 47 |  | 47 |  | 47 |  | (1) |  | (2.2)% | (2) |  | (4.3)% |
| MSR and related hedge impact: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| MSRs fair value increase (decrease) due to change in valuation inputs or assumptions | 5 |  | 1 |  | 13 |  | 1 |  | 16 |  | 4 |  | 400.0% | (11) |  | (68.8)% |
| MSRs hedge gain (loss) | (9) |  | (3) |  | (16) |  | 1 |  | (4) |  | (6) |  | (200.0)% | (5) |  | (125.0)% |
| MSRs change due to payment decay | (25) |  | (30) |  | (29) |  | (28) |  | (28) |  | 5 |  | 16.7% | 3 |  | 10.7% |
| MSR and related hedge impact | (29) |  | (32) |  | (32) |  | (26) |  | (16) |  | 3 |  | 9.4% | (13) |  | (81.3)% |
| Total mortgage income | $ | $33 | $ | $32 | $ | $32 | $ | $38 | $ | $48 | $ | $1 | 3.1% | $ | $(15) | (31.3)% |
| Mortgage production - portfolio | $ | $586 | $ | $451 | $ | $463 | $ | $465 | $ | $602 | $ | $135 | 29.9% | $ | $(16) | (2.7)% |
| Mortgage production - agency/secondary market | 586 |  | 516 |  | 494 |  | 504 |  | 516 |  | 70 |  | 13.6% | 70 |  | 13.6% |
| Total mortgage production | $ | $1,172 | $ | $967 | $ | $957 | $ | $969 | $ | $1,118 | $ | $205 | 21.2% | $ | $54 | 4.8% |
| Mortgage production - purchased | 72.9 |  | 61.2 |  | 71.7 |  | 81.4 |  | 82.5 |  |  |  |  |  |  |  |
| Mortgage production - refinanced | 27.1 |  | 38.8 |  | 28.3 |  | 18.6 |  | 17.5 |  |  |  |  |  |  |  |

NM - Not Meaningful

(1) Capital markets income primarily relates to capital raising activities that includes debt securities underwriting and placement, loan syndication and placement, as well as foreign exchange, derivative and merger and acquisition advisory services.

(2) These market value adjustments relate to assets held for employee and director benefits that are offset within salaries and employee benefits expense and other non-interest expense.

(3) Consumer overdraft fees represent approximately half of these amounts each quarter.

(4) The majority of these amounts relate to Treasury Management (TM) activities and typically represent approximately two-thirds of total TM revenue each quarter.

(5) Total wealth management income does not include certain smaller dollar amounts that are attributable to the wealth management segment.

(6) For the purposes of determining the fair value of customer derivatives, the Company considers the risk of nonperformance by counterparties, as well as the Company's own risk of nonperformance. The valuation adjustments above are reflective of the values associated with these considerations.

Non-Interest Income

| ($ amounts in millions) | Six Months Ended | Year-to-Date Change 6/30/2026 vs. 6/30/2025 |
| --- | --- | --- |
|  | 6/30/2025 | Percent |
| Service charges on deposit accounts | $$312 | $5.8% |
| Card and ATM fees | 242 | 0.4% |
| Wealth management income | 262 | 11.1% |
| Capital markets income (1) | 163 | 3.1% |
| Mortgage income | 88 | (26.1)% |
| Commercial credit fee income | 56 | 3.6% |
| Bank-owned life insurance | 47 | 14.9% |
| Market value adjustments on employee benefit assets (2) | 13 | 46.2% |
| Securities gains (losses), net | (26) | (69.2)% |
| Other miscellaneous income | 79 | (10.1)% |
| Total non-interest income | $$1,236 | $1.5% |

**Service Charges on Deposit Accounts by Segment**

| Line item | Six Months Ended | Year-to-Date Change 6/30/2026 vs. 6/30/2025 |
| --- | --- | --- |
| ($ amounts in millions) | 6/30/2025 | Percent |
| Consumer Bank Segment (3) | $$186 | $5.4% |
| Corporate Bank Segment (4) | 124 | 6.5% |
| Wealth Management Segment | 2 | — |
| Total service charges on deposit accounts | $$312 | $5.8% |

**Wealth Management Income**

| Line item | Six Months Ended | Year-to-Date Change 6/30/2026 vs. 6/30/2025 |
| --- | --- | --- |
| ($ amounts in millions) | 6/30/2025 | Percent |
| Investment management and trust fee income | $$176 | $7.4% |
| Investment services fee income | 86 | 18.6% |
| Total wealth management income (5) | $$262 | $11.1% |

**Capital Markets Income**

| Line item | Six Months Ended | Year-to-Date Change 6/30/2026 vs. 6/30/2025 |
| --- | --- | --- |
| ($ amounts in millions) | 6/30/2025 | Percent |
| Capital markets income | $$163 | $3.1% |
| Less: Valuation adjustments on customer derivatives (6) | (3) | 66.7% |
| Capital markets income excluding valuation adjustments | $$166 | $1.8% |

Mortgage Income

| Line item | Six Months Ended | Year-to-Date Change 6/30/2026 vs. 6/30/2025 |
| --- | --- | --- |
| ($ amounts in millions) | 6/30/2025 | Percent |
| Production and sales | $$30 | $16.7% |
| Loan servicing | 94 | (3.2)% |
| MSR and related hedge impact: |  |  |
| MSRs fair value increase (decrease) due to change in valuation inputs or assumptions | 6 | — |
| MSRs hedge gain | 14 | (185.7)% |
| MSRs change due to payment decay | (56) | 1.8% |
| MSR and related hedge impact | (36) | 69.4% |
| Total mortgage income | $$88 | $(26.1)% |
| Mortgage production - portfolio | $$957 | $8.4% |
| Mortgage production - agency/secondary market | 887 | 24.2% |
| Total mortgage production | $$1,844 | $16.0% |
| Mortgage production - purchased | 82.7%% |  |
| Mortgage production - refinanced | 17.3%% |  |

NM - Not Meaningful

(1) Capital markets income primarily relates to capital raising activities that includes debt securities underwriting and placement, loan syndication and placement, as well as foreign exchange, derivative and merger and acquisition advisory services.

(2) These market value adjustments relate to assets held for employee and director benefits that are offset within salaries and employee benefits expense and other non-interest expense.

(3) Consumer overdraft fees typically represent approximately half of these amounts each reporting period.

(4) The majority of these amounts relate to Treasury Management (TM), and typically represent approximately two-thirds of Regions' total TM revenue each reporting period.

(5) Total wealth management income does not include certain smaller dollar amounts that are attributable to the wealth management segment.

(6) For the purposes of determining the fair value of customer derivatives, the Company considers the risk of nonperformance by counterparties, as well as the Company's own risk of nonperformance. The valuation adjustments above are reflective of the values associated with these considerations.

Non-Interest Expense

| Line item | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions) | 6/30/2026 |  | 3/31/2026 |  | 12/31/2025 |  | 9/30/2025 |  | 6/30/2025 |  | 2Q26 vs. 1Q26 |  |  | 2Q26 vs. 2Q25 |  |  |
| Salaries and employee benefits | $ | $697 | $ | $659 | $ | $662 | $ | $671 | $ | $658 | $ | $38 | 5.8% | $ | $39 | 5.9% |
| Equipment and software expense | 107 |  | 108 |  | 112 |  | 106 |  | 104 |  | (1) |  | (0.9)% | 3 |  | 2.9% |
| Net occupancy expense | 73 |  | 72 |  | 74 |  | 72 |  | 72 |  | 1 |  | 1.4% | 1 |  | 1.4% |
| Outside services | 47 |  | 42 |  | 45 |  | 42 |  | 39 |  | 5 |  | 11.9% | 8 |  | 20.5% |
| Marketing | 28 |  | 29 |  | 29 |  | 28 |  | 26 |  | (1) |  | (3.4)% | 2 |  | 7.7% |
| Professional, legal and regulatory expenses | 28 |  | 28 |  | 30 |  | 30 |  | 28 |  | — |  | — | — |  | — |
| Credit/checkcard expenses | 16 |  | 14 |  | 18 |  | 15 |  | 16 |  | 2 |  | 14.3% | — |  | — |
| FDIC insurance assessments | 17 |  | 19 |  | 3 |  | 15 |  | 20 |  | (2) |  | (10.5)% | (3) |  | (15.0)% |
| Visa class B shares expense | 2 |  | 1 |  | 8 |  | 8 |  | 4 |  | 1 |  | 100.0% | (2) |  | (50.0)% |
| Operational losses | 8 |  | 10 |  | 9 |  | 18 |  | 13 |  | (2) |  | (20.0)% | (5) |  | (38.5)% |
| Branch consolidation, property and equipment charges | 5 |  | — |  | — |  | (5) |  | — |  | 5 |  | NM | 5 |  | NM |
| Other miscellaneous expenses | 93 |  | 86 |  | 108 |  | 103 |  | 93 |  | 7 |  | 8.1% | — |  | — |
| Total non-interest expense | $ | $1,121 | $ | $1,068 | $ | $1,098 | $ | $1,103 | $ | $1,073 | $ | $53 | 5.0% | $ | $48 | 4.5% |

**Salaries and Benefits Expense**

| Line item | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions) | 6/30/2026 |  | 3/31/2026 |  | 12/31/2025 |  | 9/30/2025 |  | 6/30/2025 |  | 2Q26 vs. 1Q26 |  |  | 2Q26 vs. 2Q25 |  |  |
| Salaries and employee benefits | $ | $697 | $ | $659 | $ | $662 | $ | $671 | $ | $658 | $ | $38 | 5.8% | $ | $39 | 5.9% |
| Less: Market value adjustments on supplemental 401(k) liabilities | 24 |  | (4) |  | 6 |  | 13 |  | 16 |  | 28 |  | NM | 8 |  | 50.0% |
| Salaries and employee benefits less market value adjustments on employee benefits liabilities | $ | $673 | $ | $663 | $ | $656 | $ | $658 | $ | $642 | $ | $10 | 1.5% | $ | $31 | 4.8% |

| Line item | Six Months Ended | Year-to-Date Change 6/30/2026 vs. 6/30/2025 |
| --- | --- | --- |
| ($ amounts in millions) | 6/30/2025 | Percent |
| Salaries and employee benefits | $$1,283 | $5.7% |
| Equipment and software expense | 203 | 5.9% |
| Net occupancy expense | 142 | 2.1% |
| Outside services | 79 | 12.7% |
| Marketing | 56 | 1.8% |
| Professional, legal and regulatory expenses | 51 | 9.8% |
| Credit/checkcard expenses | 31 | (3.2)% |
| FDIC insurance assessments | 40 | (10.0)% |
| Visa class B shares expense | 11 | (72.7)% |
| Operational losses | 26 | (30.8)% |
| Branch consolidation, property and equipment charges | — | NM |
| Other miscellaneous expenses | 190 | (5.8)% |
| Total non-interest expense | $$2,112 | $3.6% |

**Salaries and Benefits Expense**

| Line item | Six Months Ended | Year-to-Date Change 6/30/2026 vs. 6/30/2025 |
| --- | --- | --- |
| ($ amounts in millions) | 6/30/2025 | Percent |
| Salaries and employee benefits | $$1,283 | $5.7% |
| Less: Market value adjustments on 401(k) liabilities (1) | 15 | 33.3% |
| Salaries and employee benefits less market value adjustments on employee benefits liabilities | $$1,268 | $5.4% |

NM - Not Meaningful

(1) The Company holds assets in order to offset the market value adjustments on 401(k) liabilities and the market value adjustments on those assets are recorded in non-interest income.

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).

| Line item |  | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions) |  | 6/30/2026 |  | 3/31/2026 |  | 12/31/2025 |  | 9/30/2025 |  | 6/30/2025 |  | 2Q26 vs. 1Q26 |  |  | 2Q26 vs. 2Q25 |  |  |
| Non-interest expense (GAAP) | A | $ | $1,121 | $ | $1,068 | $ | $1,098 | $ | $1,103 | $ | $1,073 | $ | $53 | 5.0% | $ | $48 | 4.5% |
| Adjustments: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FDIC insurance special assessment |  | — |  | — |  | 14 |  | 3 |  | 1 |  | — |  | NM | (1) |  | (100.0)% |
| Branch consolidation, property and equipment charges |  | (5) |  | — |  | — |  | 5 |  | — |  | (5) |  | NM | (5) |  | NM |
| Salaries and employee benefits—severance charges |  | — |  | — |  | — |  | — |  | (1) |  | — |  | NM | 1 |  | 100.0% |
| Adjusted non-interest expense (non-GAAP) | B | $ | $1,116 | $ | $1,068 | $ | $1,112 | $ | $1,111 | $ | $1,073 | $ | $48 | 4.5% | $ | $43 | 4.0% |
| Net interest income (GAAP) | C | $ | $1,277 | $ | $1,248 | $ | $1,281 | $ | $1,257 | $ | $1,259 | $ | $29 | 2.3% | $ | $18 | 1.4% |
| Taxable-equivalent adjustment |  | 14 |  | 13 |  | 13 |  | 12 |  | 12 |  | 1 |  | 7.7% | 2 |  | 16.7% |
| Net interest income, taxable-equivalent basis (GAAP) | D | $ | $1,291 | $ | $1,261 | $ | $1,294 | $ | $1,269 | $ | $1,271 | $ | $30 | 2.4% | $ | $20 | 1.6% |
| Non-interest income (GAAP) | E | $ | $630 | $ | $625 | $ | $640 | $ | $659 | $ | $646 | $ | $5 | 0.8% | $ | $(16) | (2.5)% |
| Adjustments: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Securities (gains) losses, net |  | 40 |  | — |  | — |  | 25 |  | — |  | 40 |  | NM | 40 |  | NM |
| Adjusted non-interest income (non-GAAP) | F | $ | $670 | $ | $625 | $ | $640 | $ | $684 | $ | $646 | $ | $45 | 7.2% | $ | $24 | 3.7% |
| Total revenue (GAAP) | C+E=G | $ | $1,907 | $ | $1,873 | $ | $1,921 | $ | $1,916 | $ | $1,905 | $ | $34 | 1.8% | $ | $2 | 0.1% |
| Adjusted total revenue (non-GAAP) | C+F=H | $ | $1,947 | $ | $1,873 | $ | $1,921 | $ | $1,941 | $ | $1,905 | $ | $74 | 4.0% | $ | $42 | 2.2% |
| Total revenue, taxable-equivalent basis (GAAP) | D+E=I | $ | $1,921 | $ | $1,886 | $ | $1,934 | $ | $1,928 | $ | $1,917 | $ | $35 | 1.9% | $ | $4 | 0.2% |
| Adjusted total revenue, taxable-equivalent basis (non-GAAP) | D+F=J | $ | $1,961 | $ | $1,886 | $ | $1,934 | $ | $1,953 | $ | $1,917 | $ | $75 | 4.0% | $ | $44 | 2.3% |
| Operating leverage ratio (GAAP) (1) | I-A |  |  |  |  |  |  |  |  |  |  |  |  | (3.1)% |  |  | (4.3)% |
| Adjusted operating leverage ratio (non-GAAP) (1) | J-B |  |  |  |  |  |  |  |  |  |  |  |  | (0.5)% |  |  | (1.7)% |
| Efficiency ratio (GAAP) (1) | A/I | 58.3 |  | 56.6 |  | 56.8 |  | 57.2 |  | 56.0 |  |  |  |  |  |  |  |
| Adjusted efficiency ratio (non-GAAP) (1) | B/J | 56.9 |  | 56.6 |  | 57.5 |  | 56.9 |  | 56.0 |  |  |  |  |  |  |  |
| Fee income ratio (GAAP) (1) | E/I | 32.8 |  | 33.1 |  | 33.1 |  | 34.2 |  | 33.7 |  |  |  |  |  |  |  |
| Adjusted fee income ratio (non-GAAP) (1) | F/J | 34.2 |  | 33.1 |  | 33.1 |  | 35.0 |  | 33.7 |  |  |  |  |  |  |  |

NM - Not Meaningful

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

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)**

| Line item |  | Six Months Ended June 30 | Six Months Ended June 30 | Six Months Ended June 30 | Six Months Ended June 30 | Six Months Ended June 30 | Six Months Ended June 30 | Six Months Ended June 30 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions) |  | 2026 |  | 2025 |  | 2026 vs. 2025 |  |  |
| Non-interest expense (GAAP) | A | $ | $2,189 | $ | $2,112 | $ | $77 | 3.6% |
| Adjustments: |  |  |  |  |  |  |  |  |
| Branch consolidation, property and equipment charges |  | (5) |  | — |  | (5) |  | NM |
| Salaries and employee benefits—severance charges |  | — |  | (2) |  | 2 |  | 100.0% |
| Professional, legal and regulatory expenses |  | — |  | (2) |  | 2 |  | 100.0% |
| Adjusted non-interest expense (non-GAAP) | B | $ | $2,184 | $ | $2,108 | $ | $76 | 3.6% |
| Net interest income (GAAP) | C | $ | $2,525 | $ | $2,453 | $ | $72 | 2.9% |
| Taxable-equivalent adjustment |  | 27 |  | 24 |  | 3 |  | 12.5% |
| Net interest income, taxable-equivalent basis | D | $ | $2,552 | $ | $2,477 | $ | $75 | 3.0% |
| Non-interest income (GAAP) | E | $ | $1,255 | $ | $1,236 | $ | $19 | 1.5% |
| Adjustments: |  |  |  |  |  |  |  |  |
| Securities (gains) losses, net |  | 40 |  | 25 |  | 15 |  | 60.0% |
| Adjusted non-interest income (non-GAAP) | F | $ | $1,295 | $ | $1,261 | $ | $34 | 2.7% |
| Total revenue (GAAP) | C+E= G | $ | $3,780 | $ | $3,689 | $ | $91 | 2.5% |
| Adjusted total revenue (non-GAAP) | C+F=H | $ | $3,820 | $ | $3,714 | $ | $106 | 2.9% |
| Total revenue, taxable-equivalent basis (GAAP) | D+E=I | $ | $3,807 | $ | $3,713 | $ | $94 | 2.5% |
| Adjusted total revenue, taxable-equivalent basis (non-GAAP) | D+F=J | $ | $3,847 | $ | $3,738 | $ | $109 | 2.9% |
| Operating leverage ratio (GAAP) (1) | I-A |  |  |  |  |  |  | (1.1)% |
| Adjusted operating leverage ratio (non-GAAP) (1) | J-B |  |  |  |  |  |  | (0.7)% |
| Efficiency ratio (GAAP) (1) | A/I | 57.5 |  | 56.9 |  |  |  |  |
| Adjusted efficiency ratio (non-GAAP) (1) | B/J | 56.8 |  | 56.4 |  |  |  |  |
| Fee income ratio (GAAP) (1) | E/I | 33.0 |  | 33.3 |  |  |  |  |
| Adjusted fee income ratio (non-GAAP) (1) | F/J | 33.7 |  | 33.7 |  |  |  |  |

NM - Not Meaningful

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

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.

| Line item |  | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended | Quarter Ended |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ($ amounts in millions) |  | 6/30/2026 |  | 3/31/2026 |  | 12/31/2025 |  | 9/30/2025 |  | 6/30/2025 |  | 2Q26 vs. 1Q26 |  |  | 2Q26 vs. 2Q25 |  |  |
| Net income available to common shareholders (GAAP) | A | $ | $549 | $ | $539 | $ | $514 | $ | $548 | $ | $534 | $ | $10 | 1.9% | $ | $15 | 2.8% |
| Adjustments: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Securities (gains) losses, net |  | 40 |  | — |  | — |  | 25 |  | — |  | 40 |  | NM | 40 |  | NM |
| FDIC insurance special assessment |  | — |  | — |  | (14) |  | (3) |  | (1) |  | — |  | NM | 1 |  | 100.0% |
| Salaries and employee benefits—severance charges |  | — |  | — |  | — |  | — |  | 1 |  | — |  | NM | (1) |  | (100.0)% |
| Branch consolidation, property and equipment charges |  | 5 |  | — |  | — |  | (5) |  | — |  | 5 |  | NM | 5 |  | NM |
| Preferred stock redemption expense (1) |  | — |  | — |  | — |  | — |  | 4 |  | — |  | NM | (4) |  | (100.0)% |
| Total adjustments |  | 45 |  | — |  | (14) |  | 17 |  | 4 |  | $ | $45 | NM | $ | $41 | NM |
| Tax impact of adjusted items (2) |  | (11) |  | — |  | 4 |  | (4) |  | — |  | (11) |  | NM | (11) |  | NM |
| Adjusted net income available to common shareholders (non-GAAP) | B | $ | $583 | $ | $539 | $ | $504 | $ | $561 | $ | $538 | $ | $44 | 8.2% | $ | $45 | 8.4% |
| Weighted-average diluted shares | C | 857 |  | 868 |  | 880 |  | 894 |  | 900 |  |  |  |  |  |  |  |
| Diluted EPS (GAAP) (3) | A/C | $ | $0.64 | $ | $0.62 | $ | $0.58 | $ | $0.61 | $ | $0.59 | $ | $0.02 | 3.2% | $ | $0.05 | 8.5% |
| Adjusted diluted EPS (non-GAAP) (3) | B/C | $ | $0.68 | $ | $0.62 | $ | $0.57 | $ | $0.63 | $ | $0.60 | $ | $0.06 | 9.7% | $ | $0.08 | 13.3% |
| Average shareholders' equity (GAAP) |  | 18,676 |  | 19,077 |  | 18,986 |  | 18,688 |  | 18,350 |  | (401) |  | (2.1)% | 326 |  | 1.8% |
| Less: Average preferred stock (GAAP) |  | 1,369 |  | 1,369 |  | 1,369 |  | 1,369 |  | 1,513 |  | — |  | — | (144) |  | (9.5)% |
| Average common shareholders' equity (GAAP) | D | 17,307 |  | 17,708 |  | 17,617 |  | 17,319 |  | 16,837 |  | (401) |  | (2.3)% | 470 |  | 2.8% |
| Less: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Average intangible assets (GAAP) |  | 5,863 |  | 5,869 |  | 5,876 |  | 5,883 |  | 5,891 |  | (6) |  | (0.1)% | (28) |  | (0.5)% |
| Average deferred tax liability related to intangibles (GAAP) |  | (141) |  | (138) |  | (135) |  | (131) |  | (127) |  | (3) |  | (2.2)% | (14) |  | (11.0)% |
| Average tangible common shareholders' equity (non-GAAP) | E | $ | $11,585 | $ | $11,977 | $ | $11,876 | $ | $11,567 | $ | $11,073 | (392) |  | (3.3)% | 512 |  | 4.6% |
| Return on average common shareholders' equity (GAAP) (3)* | A/D | 12.73 |  | 12.35 |  | 11.58 |  | 12.56 |  | 12.72 |  |  |  |  |  |  |  |
| Return on average tangible common shareholders' equity (non-GAAP) (3)* | A/E | 19.01 |  | 18.26 |  | 17.17 |  | 18.81 |  | 19.34 |  |  |  |  |  |  |  |
| Adjusted return on average tangible common shareholders' equity (non-GAAP) (3)* | B/E | 20.18 |  | 18.26 |  | 16.84 |  | 19.24 |  | 19.48 |  |  |  |  |  |  |  |

*Annualized NM - Not Meaningful

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

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

(3) Amounts calculated based upon whole dollar values.

### 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.

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

____

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

Common equity Tier 1 (CET1) Ratios The following table presents CET1 and CET1 adjusted to include certain components of AOCI (non-GAAP). CET1 is a capital adequacy measure established by federal banking regulators under the Basel III framework. Banking institutions that meet requirements under the regulations are required to maintain certain minimum capital requirements, including a minimum CET1 ratio. This measure is utilized by analysts and banking regulators to assess Regions’ capital adequacy. Under the framework, Regions elected to remove certain of the effects of AOCI in the calculation of CET1. Adjustments to the calculation prescribed in federal banking regulations are considered to be non-GAAP financial measures. Adjustments to CET1 include certain portions of AOCI to arrive at CET1 inclusive of AOCI (non-GAAP), which is a potential impact under recent proposed rulemaking standards. Since analysts and banking regulators may assess Regions’ capital adequacy using proposed rulemaking standards, management believes that it is useful to provide investors the ability to assess Regions’ capital adequacy on this same basis.

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

____

(1) Current quarter Common equity Tier 1 as well as Total risk-weighted assets are estimated.

(2) Represents AOCI loss on both available for sale and held to maturity securities.

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

Asset Quality

| ($ amounts in millions) | As of and for Quarter Ended / 6/30/2026 | As of and for Quarter Ended / 3/31/2026 | As of and for Quarter Ended / 12/31/2025 | As of and for Quarter Ended / 9/30/2025 | As of and for Quarter Ended / 6/30/2025 |
| --- | --- | --- | --- | --- | --- |
| Beginning allowance for loan losses (ALL) | $1,527 | $1,556 | $1,581 | $1,612 | $1,613 |
| Loans charged-off: |  |  |  |  |  |
| Commercial and industrial | 66 | 88 | 92 | 57 | 70 |
| Commercial real estate mortgage—owner-occupied | 1 | — | 1 | 1 | — |
| Total commercial | 67 | 88 | 93 | 58 | 70 |
| Commercial investor real estate mortgage | — | — | 4 | 34 | 2 |
| Total investor real estate | — | — | 4 | 34 | 2 |
| Residential first mortgage | 1 | — | — | 1 | 1 |
| Home equity—lines of credit | 1 | 1 | — | — | 1 |
| Home equity—closed-end | — | — | 1 | — | — |
| Consumer credit card | 18 | 18 | 17 | 16 | 17 |
| Other consumer | 36 | 44 | 52 | 51 | 42 |
| Total consumer | 56 | 63 | 70 | 68 | 61 |
| Total | 123 | 151 | 167 | 160 | 133 |
| Recoveries of loans previously charged-off: |  |  |  |  |  |
| Commercial and industrial | 8 | 9 | 11 | 10 | 10 |
| Commercial real estate mortgage—owner-occupied | 1 | — | — | 1 | — |
| Total commercial | 9 | 9 | 11 | 11 | 10 |
| Commercial investor real estate mortgage | — | — | 1 | 2 | — |
| Total investor real estate | — | — | 1 | 2 | — |
| Residential first mortgage | 1 | — | 1 | — | 1 |
| Home equity—lines of credit | 1 | 1 | 1 | 1 | 2 |
| Home equity—closed-end | — | — | 1 | — | — |
| Consumer credit card | 2 | 3 | 2 | 2 | 2 |
| Other consumer | 8 | 8 | 8 | 9 | 5 |
| Total consumer | 12 | 12 | 13 | 12 | 10 |
| Total | 21 | 21 | 25 | 25 | 20 |
| Net charge-offs (recoveries): |  |  |  |  |  |
| Commercial and industrial | 58 | 79 | 81 | 47 | 60 |
| Commercial real estate mortgage—owner-occupied | — | — | 1 | — | — |
| Total commercial | 58 | 79 | 82 | 47 | 60 |
| Commercial investor real estate mortgage | — | — | 3 | 32 | 2 |
| Total investor real estate | — | — | 3 | 32 | 2 |
| Residential first mortgage | — | — | (1) | 1 | — |
| Home equity—lines of credit | — | — | (1) | (1) | (1) |
| Consumer credit card | 16 | 15 | 15 | 14 | 15 |
| Other consumer | 28 | 36 | 44 | 42 | 37 |
| Total consumer | 44 | 51 | 57 | 56 | 51 |
| Total | 102 | 130 | 142 | 135 | 113 |
| Provision for loan losses | 64 | 101 | 117 | 104 | 112 |
| Ending allowance for loan losses (ALL) | 1,489 | 1,527 | 1,556 | 1,581 | 1,612 |
| Beginning reserve for unfunded credit commitments | 120 | 130 | 132 | 131 | 117 |
| Provision for (benefit from) unfunded credit losses | 4 | (10) | (2) | 1 | 14 |
| Ending reserve for unfunded commitments | 124 | 120 | 130 | 132 | 131 |
| Allowance for credit losses (ACL) at period end | $1,613 | $1,647 | $1,686 | $1,713 | $1,743 |

| Asset Quality (continued) / ($ amounts in millions) | As of and for Quarter Ended / 6/30/2026 | As of and for Quarter Ended / 3/31/2026 | As of and for Quarter Ended / 12/31/2025 | As of and for Quarter Ended / 9/30/2025 | As of and for Quarter Ended / 6/30/2025 |
| --- | --- | --- | --- | --- | --- |
| Net loan charge-offs as a % of average loans, annualized (1): |  |  |  |  |  |
| Commercial and industrial | 0.45% | 0.65% | 0.66% | 0.37% | 0.49% |
| Commercial real estate mortgage—owner-occupied | 0.01% | (0.03)% | 0.02% | 0.04% | — |
| Commercial real estate construction—owner-occupied | 0.22% | (0.05)% | (0.07)% | (0.01)% | (0.01)% |
| Total commercial | 0.41% | 0.58% | 0.60% | 0.34% | 0.45% |
| Commercial investor real estate mortgage | — | 0.02% | 0.15% | 1.82% | 0.10% |
| Total investor real estate | — | 0.02% | 0.12% | 1.41% | 0.07% |
| Residential first mortgage | — | — | — | 0.01% | — |
| Home equity—lines of credit | (0.04)% | (0.01)% | (0.10)% | (0.12)% | (0.05)% |
| Home equity—closed-end | (0.03)% | (0.02)% | — | (0.01)% | (0.01)% |
| Consumer credit card | 4.28% | 4.17% | 4.08% | 3.94% | 4.24% |
| Other consumer | 2.09% | 2.51% | 2.97% | 2.83% | 2.50% |
| Total consumer | 0.56% | 0.63% | 0.70% | 0.67% | 0.63% |
| Total | 0.42% | 0.54% | 0.59% | 0.55% | 0.47% |
| Non-performing loans, excluding loans held for sale | $668 | $692 | $698 | $758 | $776 |
| Non-performing loans held for sale | 1 | 1 | — | 12 | 16 |
| Non-performing loans, including loans held for sale | 669 | 693 | 698 | 770 | 792 |
| Foreclosed properties | 19 | 20 | 17 | 18 | 16 |
| Non-performing assets (NPAs) | $688 | $713 | $715 | $788 | $808 |
| Loans past due > 90 days (2) | $158 | $170 | $180 | $154 | $171 |
| Criticized loans—business (3) | $3,370 | $3,384 | $3,342 | $3,682 | $4,608 |
| Credit Ratios (1): |  |  |  |  |  |
| ACL/Loans, net | 1.63% | 1.68% | 1.76% | 1.78% | 1.80% |
| ALL/Loans, net | 1.50% | 1.56% | 1.63% | 1.64% | 1.67% |
| Business criticized loans to total business loans | 5.01% | 5.15% | 5.31% | 5.81% | 7.22% |
| Allowance for credit losses to non-performing loans, excluding loans held for sale | 241% | 238% | 242% | 226% | 225% |
| Allowance for loan losses to non-performing loans, excluding loans held for sale | 223% | 221% | 223% | 208% | 208% |
| Non-performing loans, excluding loans held for sale/Loans, net | 0.67% | 0.71% | 0.73% | 0.79% | 0.80% |
| NPAs (ex. 90+ past due)/Loans, foreclosed properties, and non-performing loans held for sale | 0.69% | 0.73% | 0.75% | 0.82% | 0.84% |
| NPAs (inc. 90+ past due)/Loans, foreclosed properties, and non-performing loans held for sale (2) | 0.85% | 0.90% | 0.94% | 0.98% | 1.01% |

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

(2) Excludes guaranteed residential first mortgages that are 90+ days past due and still accruing. Refer to the footnotes on page [23](#i7d370e67f88046a3bde2957d4acf4296_73) for amounts related to these loans.

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

| Allowance for Credit Losses / ($ amounts in millions) | Six Months Ended June 30 / 2026 | Six Months Ended June 30 / 2025 |
| --- | --- | --- |
| Balance at January 1 | $1,686 | $1,729 |
| Net charge-offs | 232 | 236 |
| Provision for loan losses | 165 | 235 |
| Provision for unfunded credit losses | (6) | 15 |
| Balance at June 30 | $1,613 | $1,743 |
| Net loan charge-offs as a % of average loans, annualized (GAAP) (1) | 0.48% | 0.50% |

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

Non-Performing Loans (excludes loans held for sale)

| ($ amounts in millions, %'s calculated using whole dollar values) | As of / 6/30/2026 | As of / 3/31/2026 | As of / 12/31/2025 | As of / 9/30/2025 | As of / 6/30/2025 |
| --- | --- | --- | --- | --- | --- |
| Commercial and industrial | $0.79% | $0.93% | $0.97% | $1.06% | $0.79% |
| Commercial real estate mortgage—owner-occupied | 1.19% | 1.06% | 0.92% | 0.85% | 0.92% |
| Commercial real estate construction—owner-occupied | 0.64% | 0.85% | 0.85% | 0.43% | 0.46% |
| Total commercial | 0.83% | 0.94% | 0.97% | 1.04% | 0.80% |
| Commercial investor real estate mortgage | 1.60% | 1.33% | 1.69% | 1.92% | 4.08% |
| Total investor real estate | 1.27% | 1.06% | 1.33% | 1.51% | 3.12% |
| Residential first mortgage | 0.17% | 0.16% | 0.12% | 0.12% | 0.12% |
| Home equity—lines of credit | 0.76% | 0.77% | 0.74% | 0.73% | 0.79% |
| Home equity—closed-end | 0.36% | 0.34% | 0.32% | 0.31% | 0.26% |
| Total consumer | 0.21% | 0.20% | 0.17% | 0.17% | 0.17% |
| Total non-performing loans | $0.67% | $0.71% | $0.73% | $0.79% | $0.80% |

Early and Late Stage Delinquencies

| Accruing 30-89 Days Past Due Loans / ($ amounts in millions, %'s calculated using whole dollar values) | As of / 6/30/2026 | As of / 3/31/2026 | As of / 12/31/2025 | As of / 9/30/2025 | As of / 6/30/2025 |
| --- | --- | --- | --- | --- | --- |
| Commercial and industrial | $0.12% | $0.10% | $0.11% | $0.13% | $0.14% |
| Commercial real estate mortgage—owner-occupied | 0.28% | 0.08% | 0.11% | 0.21% | 0.17% |
| Total commercial | 0.13% | 0.10% | 0.11% | 0.13% | 0.14% |
| Commercial investor real estate mortgage | 0.49% | 0.01% | — | 0.40% | — |
| Commercial investor real estate construction | — | — | — | — | 0.05% |
| Total investor real estate | 0.39% | 0.01% | — | 0.31% | 0.01% |
| Residential first mortgage—non-guaranteed (1) | 0.65% | 0.66% | 0.74% | 0.68% | 0.58% |
| Home equity—lines of credit | 0.67% | 0.69% | 0.79% | 0.89% | 0.77% |
| Home equity—closed-end | 0.63% | 0.57% | 0.62% | 0.57% | 0.48% |
| Consumer credit card | 1.32% | 1.39% | 1.48% | 1.40% | 1.46% |
| Other consumer | 1.17% | 1.19% | 1.31% | 1.18% | 1.11% |
| Total consumer (1) | 0.77% | 0.79% | 0.88% | 0.81% | 0.73% |
| Total accruing 30-89 days past due loans (1) | $0.36% | $0.31% | $0.36% | $0.38% | $0.32% |
| Accruing 90+ Days Past Due Loans | As of |  |  |  |  |
| ($ amounts in millions, %'s calculated using whole dollar values) | 6/30/2026 | 3/31/2026 | 12/31/2025 | 9/30/2025 | 6/30/2025 |
| Commercial and industrial | $0.01% | $0.01% | $0.01% | $0.01% | $0.04% |
| Commercial real estate mortgage—owner-occupied | 0.03% | 0.01% | 0.01% | 0.05% | 0.02% |
| Total commercial | 0.01% | 0.01% | 0.01% | 0.01% | 0.04% |
| Residential first mortgage—non-guaranteed (2) | 0.48% | 0.52% | 0.55% | 0.43% | 0.46% |
| Home equity—lines of credit | 0.40% | 0.42% | 0.45% | 0.43% | 0.38% |
| Home equity—closed-end | 0.36% | 0.35% | 0.37% | 0.30% | 0.30% |
| Consumer credit card | 1.39% | 1.52% | 1.41% | 1.42% | 1.39% |
| Other consumer | 0.35% | 0.35% | 0.40% | 0.39% | 0.39% |
| Total consumer (2) | 0.48% | 0.52% | 0.54% | 0.46% | 0.47% |
| Total accruing 90+ days past due loans (2) | $0.16% | $0.17% | $0.19% | $0.16% | $0.18% |
| Total delinquencies (1) (2) | $0.52% | $0.49% | $0.55% | $0.54% | $0.50% |

(1) Excludes loans that are 100% guaranteed by FHA and guaranteed loans sold to Ginnie Mae where Regions has the right but not the obligation to repurchase; however, includes Ginnie Mae repurchased loans with partial guarantees. Total 30-89 days past due guaranteed loans excluded were $58 million at 6/30/2026, $62 million at 3/31/2026, $66 million at 12/31/2025, $62 million at 9/30/2025, and $57 million at 6/30/2025.

(2) Excludes loans that are 100% guaranteed by FHA and all guaranteed loans sold to Ginnie Mae where Regions has the right but not the obligation to repurchase; however, includes Ginnie Mae repurchased loans with partial guarantees. Total 90 days or more past due guaranteed loans excluded were $100 million at 6/30/2026, $94 million at 3/31/2026, $79 million at 12/31/2025, $48 million at 9/30/2025, and $44 million at 6/30/2025.

Forward-Looking Statements

This supplement, the related earnings release, and the accompanying earnings call may include forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. In addition, the company, through its senior management, may from time to time make forward-looking public statements concerning the matters described herein. The words “future,” “anticipates,” “assumes,” “intends,” “plans,” “seeks,” “believes,” “predicts,” “potential,” “objectives,” “estimates,” “expects,” “targets,” “projects,” “outlook,” “forecast,” “would,” “will,” “may,” “might,” “could,” “should,” “can,” and similar terms, expressions, and graphics often signify forward-looking statements. Forward-looking statements are subject to the risk that the actual effects may differ, possibly materially, from what is reflected in those forward-looking statements due to factors and future developments that are uncertain, unpredictable and in many cases beyond our control. Forward-looking statements are not based on historical information, but rather are related to future operations, strategies, financial results or other developments. Forward-looking statements are based on management’s current expectations as well as certain assumptions and estimates made by, and information available to, management at the time the statements are made. Those statements are based on general assumptions and are subject to various risks, and because they also relate to the future, they are likewise subject to inherent uncertainties and other factors that may cause actual results to differ materially from the views, beliefs and projections expressed in such statements. Therefore, we caution you against relying on any of these forward-looking statements. These risks, uncertainties and other factors include, but are not limited to, those described below:

- Our businesses have been, and may continue to be, adversely affected by conditions in the financial markets and economic conditions generally.
- Fluctuations in market interest rates, including the level and shape of the yield curve, may adversely affect our performance.
- If we experience greater credit losses in our loan portfolios than anticipated, our earnings may be materially adversely affected.
- Any future reductions in our credit ratings may increase our funding costs and place limitations on business activities.
- Changes in the soundness of other financial institutions could adversely affect us.
- We may suffer losses if the value of collateral declines in stressed market conditions.
- Ineffective liquidity management could adversely affect our financial results and condition.
- Loss of deposits or a change in deposit mix could increase our funding costs.
- We rely on the mortgage secondary market to manage various risks.
- We are at risk of a variety of systems failures or errors and cyber-attacks or other similar incidents that could adversely affect customer experience and our business and financial performance.
- We are subject to complex and evolving laws, regulations, rules, standards and contractual obligations regarding privacy and cybersecurity, which could increase the cost of doing business, compliance risks and potential liability.
- We will continually encounter technological change and must effectively anticipate, develop and implement new technology.
- The development and use of AI presents risks and challenges that may adversely impact our business.
- Industry competition, including competition from decentralized finance platforms, cryptocurrencies and blockchain technologies could disrupt our business model and adversely affect our revenues, market share or liquidity.
- Our operations are concentrated primarily in the South, Midwest and Texas, and adverse changes in the economic conditions in this region can adversely affect our financial results and condition.
- Weakness in the residential real estate markets could adversely affect our performance.
- Weakness in the commercial real estate markets could adversely affect our performance.
- Risks associated with home equity products where we are in a second lien position could adversely affect our performance.
- Weakness in commodity businesses could adversely affect our performance.
- An outbreak or escalation of hostilities between countries or within a country or region could have a material adverse effect on the U.S. economy and on our businesses.
- We are subject to a variety of operational risks, including the risk of fraud or theft by internal or external parties, which may adversely affect our business and results of operations.
- We rely on other companies to provide key components of our business infrastructure.
- We depend on the accuracy and completeness of information about clients and counterparties.
- We are exposed to risk of environmental liability when we take title to property.
- We can be negatively affected if we fail to identify and address operational risks associated with the introduction of or changes to products, services and delivery platforms.
- Enhanced regulatory and other standards for the oversight of vendors and other service providers can result in higher costs and other potential exposures.
- We are, and may in the future be, subject to claims and litigation calling into question our right to use the intellectual property underlying certain technology in our business.
- Weather-related events, pandemics and other natural or man-made disasters could cause a disruption in our operations or lead to other consequences that could adversely impact our financial results and condition. These impacts could be intensified by climate change. Heightening focus on climate change may also carry transition risks that could negatively impact our results of operations and financial condition.
- We are subject to sociopolitical risks that could adversely affect our business, reputation and the trading price of our common stock.
- Damage to our reputation could significantly harm our businesses.
- We are, and may in the future be, subject to litigation, investigations and governmental proceedings that may result in liabilities adversely affecting our financial condition, business or results of operations or in reputational harm.
- We are subject to extensive governmental regulation, which could have an adverse impact on our operations and our business model.
- We are subject to a variety of risks in connection with any sale of loans we may conduct.
- We may be subject to more stringent capital and liquidity requirements.
- Rulemaking changes and regulatory initiatives implemented by the CFPB may result in higher regulatory and compliance costs that may adversely affect our results of operations.
- We are subject to numerous laws designed to protect consumers, including the CRA and fair lending laws, and a failure to comply with these laws could lead to a wide variety of penalties and other sanctions.
- We may not be able to complete future acquisitions, may not be successful in realizing the benefits of any future acquisitions that are completed or may choose not to pursue acquisition opportunities we might find beneficial.
- Increases in FDIC insurance assessments may adversely affect our earnings.
- Unfavorable results from ongoing stress analyses may adversely affect our ability to retain customers or compete for new business opportunities.
- We are a holding company and depend on our subsidiaries for dividends, distributions and other payments.
- We may not pay dividends on shares of our capital stock.
- Anti-takeover and banking laws and certain agreements and charter provisions may adversely affect share value.
- Our amended and restated by-laws designate (i) the Court of Chancery of the State of Delaware as the sole and exclusive forum for certain types of actions and proceedings that may be initiated by our shareholders and (ii) the federal district courts of the United States as the sole and exclusive forum for any action asserting a cause of action arising under the Securities Act, which could limit our shareholders’ ability to obtain a favorable judicial forum for disputes with our company or our company’s directors, officers or other employees.
- We face substantial legal and operational risks in our safeguarding and other processing of personal information.
- Differences in regulation can affect our ability to compete effectively.
- Our businesses may be adversely affected if we are unable to hire and retain qualified employees.
- Our operations rely on our ability, and the ability of key external parties, to maintain appropriately staffed workforces, and on the competence, trustworthiness, health and safety of employees.
- Our reported financial results depend on management’s selection of accounting methods and certain assumptions and estimates.
- If the models that we use in our business perform poorly or provide inadequate information, our business or results of operations may be adversely affected.
- Changes in our accounting policies or in accounting standards could materially affect how we report our financial results and condition.

The foregoing list of factors is not exhaustive. For discussion of these and other factors that may cause actual results to differ from expectations, look under the captions “Cautionary Note Regarding Forward-Looking Statements and Risk Factor Summary” and “Risk Factors” in Regions’ Annual Report on Form 10-K for the year ended December 31, 2025 and in Regions’ subsequent filings with the SEC.

You should not place undue reliance on any forward-looking statements, which speak only as of the date made. Factors or events that could cause our actual results to differ may emerge from time to time, and it is not possible to predict all of them. We assume no obligation and do not intend to update or revise any forward-looking statements that are made from time to time, either as a result of future developments, new information or otherwise, except as may be required by law.

Regions’ Investor Relations contact is Tom Speir at (205) 264-7040; Regions’ Media contact is Jeremy King at (205) 264-4551.

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## EX-99.3

SEC source: [rf-2026630xexhibit9931.htm](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000050/rf-2026630xexhibit9931.htm)

2nd Quarter Earnings July 17, 2026 Exhibit 99.3

2 Highlights

- Proven history of consistently generating top-quartile returns in our peer group(2)
- Delivering continued momentum across core businesses, including a record quarter in Wealth Management
- Benefiting from healthy business activity and stable consumer financial conditions across our footprint
- Advancing digital leadership and technology modernization through: - #1 JD Power ranking in Customer Satisfaction for Regional Bank Websites(3) - #2 JD Power ranking in Customer Satisfaction with Mobile Banking Apps among Regional Banks(3) - Successful deployment of our new commercial lending platform
- Expanding capital markets capabilities and long-term growth opportunities through the July 1, 2026 acquisition of The Frazer Lanier Company Second Quarter Overview Continue to deliver consistent, sustainable long-term performance (1) Non-GAAP, see appendix for reconciliation. In certain instances no adjustments have been made and the resulting "adjusted" figure is therefore equal to the reported amount and no reconciliation has been provided. (2) Peers include CFG, FCNCA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SSB, TFC, USB, ZION. (3) JD Power 2020-2022, and 2024-2026 (tied in 2026) U.S. Banking Online Satisfaction Studies; among banks with $60B to $199B in deposits and 200+ branches, which measures customer satisfaction with financial institutions’ website experience for banking account management. Visit jdpower.com/awards for more details Key Performance Metrics 2Q26 Reported Adjusted(1) Net Income Available to Common Shareholders $549M $583M Diluted Earnings Per Share $0.64 $0.68 Total Revenue $1,907M $1,947M Non-Interest Expense $1,121M $1,116M Pre-Tax Pre-Provision Income(1) $786M $831M Efficiency Ratio 58.3% 56.9% Net-Charge Offs / Avg Loans 0.42% 0.42% Return on Average Tangible Common Equity(1) 19.01% 20.18%

3 QoQ Highlights & Outlook

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

4 QoQ Highlights & Outlook

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

5 2Q NII and NIM Drivers NII increased 2% QoQ; NIM decreased 1bp to 3.66%

- Strong, broad-based loan growth
- New production fixed-rate asset yields continue to benefit from elevated long-term interest rates
- Securities repositioning completed at the beginning of 2Q
- Disciplined deposit and funding cost management
- 2Q interest-bearing deposit cost(3) -3bps QoQ
- 2Q cycle-to-date interest-bearing beta(4) = 37%
- While loan growth and day-count support NII expansion, they negatively impact NIM $1,248 $1,277 NII & Margin Performance Well protected margin with NII growth from balance sheet repricing and expansion $1,271 $1,261 $1,291 3.65% 3.67% 3.66% 2Q25 1Q26 2Q26 NII NIM FTE NII and NIM ($ in millions) (1) Fixed rate asset turnover includes the benefits of loan and securities production at higher market rates than maturities. (2) Other mostly from small offsetting items including loan/lease accrual adjustments, negative credit interest reversals, the mid-quarter debt issuance cost, and other miscellaneous items. (3) Measuring quarterly average costs from 1Q26 to 2Q26. (4) Using a starting point of 3Q24 interest-bearing deposit costs and peak Fed Funds of 5.50%. Ad ju st ed NII Attribution ($ in millions) 1Q26 Loan Balances Deposit Cost/Mix Fixed Asset Turnover(1) Securities Reposition Days Other(2) 2Q26 NII +$7M +$7M +$6M +$5M +$6M -$2M +$29M NIM -4bps +2bps +2bps +1bp -2bps — -1bp
- Higher long-term interest rates / steeper yield curve (10-year above 4.75%); widening asset spreads
- Accelerating loan and/or deposit balance growth
- Interest-bearing deposit costs outperform mid-30%s beta; increasing non-interest bearing deposit mix Expectation: Full-year 2026 NII to grow between 2.5 – 4%, with fixed- rate asset turnover, funding cost management, and loan growth as the primary drivers
- 3Q26 NII expected to increase ~2% vs 2Q26, from balance sheet growth, fixed-rate asset turnover, hedging rate increase, and day count
- 3Q26 NIM expected to be stable to modestly higher vs 2Q26, exiting the year at approximately 3.70%
- Lower long-term interest rates / flatter yield curve (10-year below 4.00%); tightening asset spreads
- Declining loan and/or deposit balances
- Interest-bearing deposit costs underperform mid-30%s beta; decreasing non-interest-bearing deposit mix 2026 NII(1) Expected Range and Assumptions NII expected to grow in 2026 under a wide range of possible outcomes (1) NII represents non-FTE Net Interest Income. (2) Importantly, "neutral" position to short-term market rate movements reduces the importance of near-term FOMC decisions on NII performance. +4% +2.5% Current Outlook Upper End Lower End
- Mostly stable yield curve: range-bound long-term rates (10-year 4.00% to 4.75%)(2)
- Full year average loan balances up low single digits and deposit balances up low single digits
- Mid-30%s interest-bearing deposit beta; Non-interest-bearing deposit mix stable in the low-30%s Net Interest Income Trend ($M) NII 2026 NII Guidance Range 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 $3,000 $4,000 $5,000 Continuation of long-term growth trajectory after post-pandemic normalization

7 $646 $625 $670 2Q25 1Q26 2Q26 ($ in millions) Change vs 2Q26 1Q26 2Q25 Service Charges – Consumer(2) $100 4.2% 11.1% Service Charges – Corporate(3) $66 —% 10.0% Wealth Management Income 150 6.4% 12.8% Card and ATM Fees 126 7.7% 0.8% Capital Markets (Ex CVA/DVA) 86 3.6% 1.2% Mortgage Income 33 3.1% (31.3)% Other 35 (2.8)% (7.9)% Non-Interest Income (1) Non-GAAP; see appendix for reconciliation. (2) Consumer overdrafts typically represent approximately half of these amounts each quarter. (3) The majority of these amounts relate to Treasury Management (TM) activities and typically represent approximately two-thirds of total TM revenue each quarter. (4) See appendix for further information on the forward-looking guidance provided by the Company with respect to this non-GAAP measure. $646 $625 $630 2Q25 1Q26 2Q26 Non-Interest Income ($ in millions) Adj. Non-Interest Income(1) ($ in millions) QoQ Highlights & Outlook

- NIR increased 1% on a reported basis and 7% on an adjusted(1) basis
- Wealth Management income increased 6% and delivered another record quarter (5th in the last 6 quarters), reflecting strong production and favorable market conditions
- Card and ATM fees increased 8%, driven by seasonally higher transaction volumes
- Capital Markets (Ex CVA) increased 4%, driven by improvements in loan syndications, M&A advisory fees, and real estate capital markets, partially offset by lower commercial swap income; Expect quarterly revenue in the $90 – $105M range, trending toward the lower end in 3Q amid market volatility and elevated rates, with momentum building thereafter
- Continue to expect FY26 adjusted non-interest income to grow 3 – 5% vs FY25(4); Based on 1H26 performance, expect to trend toward lower end of the range

8 QoQ Highlights & Outlook

- NIE increased 5% on a reported basis and 4% on an adjusted(1) basis
- Salaries & benefits increased 6%, reflecting higher revenue-based incentives, a full quarter of merit, one additional day in the quarter, and elevated market value adjustments for supplemental employee benefit liabilities
- FDIC insurance assessments decreased 11%, driven by the unsecured debt adjustment (UDA) associated with the company's debt issuance during the quarter
- Maintaining disciplined expense management while continuing to invest across the franchise
- Continue to expect FY26 adjusted NIE (inclusive of investments) to be up 1.5 – 3.5% vs FY25; Anticipate generating FY adj. positive operating leverage(3) $1,073 $1,068 $1,121 56.0% 56.6% 58.3% Non-interest expense Efficiency ratio 2Q25 1Q26 2Q26 $1,073 $1,068 $1,116 56.0% 56.6% 56.9% Adjusted non-interest expense Adjusted efficiency ratio 2Q25 1Q26 2Q26 Non-Interest Expense (1) (1) Non-Interest Expense ($ in millions) Adj. Non-Interest Expense(1) ($ in millions) $3,387 $3,419 $3,434 $3,443 $3,541 $3,698 $3,886 $4,262 $4,227 $4,331 $135 $22 Adjusted non-interest expense Incremental operational losses Include expenses associated with acquisitions 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2.8% CAGR Adj. Non-Interest Expense(1) ($ in millions) (1) (2) (1) Non-GAAP; see appendix for reconciliation. (2) 2Q20 acquisition of Ascentium Capital and 4Q21 acquisitions of EnerBank, Sabal Capital Partners, and Clearsight Advisors. (3) See appendix for further information on the forward-looking guidance provided by the Company with respect to this non-GAAP measure.

9 QoQ Highlights & Outlook

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

10 QoQ Highlights & Outlook

- Declared 2Q common dividends of $226M and executed $59M in share repurchases; Board approved a dividend of $0.30 per share, a 13% increase over the prior quarter; SCB remains floored at 2.5%
- Dividend payout target of 40-50% of earnings
- 2Q CET1 (inclusive of AOCI) was 9.5%(1)(6); In near- term, expect to continue managing around the mid- point of our 9.25 – 9.75% operating range(4)
- Common book value per share of $20.48 and tangible common book value per share(4) of $13.78, increases of 6% and 7%, respectively YoY
- Total Liquidity Sources well above required levels as informed by internal liquidity stress testing
- Including capacity at the discount window, liquidity to uninsured deposits ratio is ~181%(5) 10.8% 10.7% 10.7% 2Q25 1Q26 2Q26 Capital and Liquidity Managing capital flexibility to support growth and shareholder returns 11.9% 11.8% 11.8% 2Q25 1Q26 2Q26 Tier 1 Capital Ratio(1) Common Equity Tier 1 Ratio(1) Position ($B) as of 2Q25 1Q26 2Q26 Cash at the Federal Reserve(2) $ 7.8 $ 7.6 $ 6.5 Unencumbered Investment Securities(3) 25.3 25.6 26.3 Federal Home Loan Bank Availability 11.0 10.7 9.8 Discount Window Availability 20.6 24.0 25.9 Total $ 64.7 $ 67.9 $ 68.5 (1) Current quarter ratios are estimated. (2) Fed master account closing balance only. Does not include other small in transit / processing items included in Call Report or SEC reports. (3) Unencumbered Investment Securities comprise securities that are eligible as collateral for secured transactions through market channels or are eligible to be pledged to the Federal Home Loan Bank, the Federal Reserve Discount Window, or the Standing Repo Facility. (4) See appendix for further information on the forward-looking guidance provided by the Company with respect to this non-GAAP measure. (5) This ratio excludes intercompany and secured deposits. (6) Non-GAAP; see Appendix for reconciliation. Total Liquidity Sources

11 Common Equity Tier 1 10.9% 10.9% 10.7% 10.7% 9.6% 9.7% 9.4% 9.5% Reported CET1 Ratio Adjusted CET1 Inclusive of AOCI Operating Range 3Q25 4Q25 1Q26 2Q26 CET1 Under Basel III Endgame (B3E)

- In March, the Federal Reserve released a notice of proposed rulemaking (NPR) to implement B3E which, as expected, would include AOCI in Regulatory Capital
- 2Q CET1 adjusted to include AOCI is estimated to be 9.5%(1)(2) - In the near term, expect to manage CET1 inclusive of AOCI around the mid-point of our 9.25 – 9.75% Operating Range(3); Creates meaningful flexibility - Continue to evaluate options to manage potential capital volatility introduced through the inclusion of AOCI via Held-to-Maturity, derivative hedging, asset selection
- The NPR also proposes adjustments to risk weights within the Standardized Approach (SA) framework applicable to Regions - Regions expects the proposed SA changes to reduce risk-weighted assets by approximately 10% which would increase capital levels shown below by approximately 100 basis points once fully implemented (1) (1) Current quarter ratio is estimated. (2) Non-GAAP; see appendix for reconciliation. (3) See appendix for further information on the forward-looking guidance provided by the Company with respect to this non- GAAP measure (1)(2) Operating Range | 9.25% - 9.75% B3E Update

12 Expectations for 3Q26 & FY26

- 3Q26 NII to increase ~2% vs 2Q26(3)
- 3Q26 NIM expected to be stable to modestly higher vs 2Q26, exiting the year at approximately 3.70%(3)
- Expect Capital Markets quarterly revenue in the $90 – $105M range, trending toward the lower end in 3Q26, with momentum building thereafter
- Expect to generate FY adj. positive operating leverage in 2026(2)
- In the near term, expect to manage CET1 (inclusive of AOCI), around the mid-point of our 9.25 – 9.75% operating range(2) 2026 Expectations (1) Non-GAAP, see appendix for reconciliation of historical amounts. (2) See appendix for further information on the forward-looking guidance provided by the Company with respect to this non-GAAP measure. (3) Current expectations assume a mostly stable yield curve: range bound long-term rates (10-year 4-4.75%); "Neutral" position to short-term market rate movements reduces the importance of near-term FOMC decisions on NII performance. FY 2026 Expectations Net Interest Income (vs. 2025 of $4,991) up 2.5 – 4%(3) Adjusted Non-Interest Income (vs. adjusted 2025 total of $2,585)(1) up 3 – 5%(2) (Expect to be toward lower end) Adjusted Non-Interest Expense (vs. adjusted 2025 total of $4,331)(1) up 1.5 – 3.5%(2) (Inclusive of investments) Average Loans (vs. 2025 of $96,124) up low single digits Average Deposits (vs. 2025 of $129,146) up low single digits Net Charge-Offs / Average Loans 40 – 50 bps Effective Tax Rate 20.5 – 21.5%

Appendix

14 (1) Total number of unique customers who have successfully authenticated and logged into the mobile app at least once within the last 90 days. (2) Digital transactions represent online and mobile only; Non-digital transactions represent branches, contact centers and ATMs. (3) Transactions represent Consumer customer deposits, transfers, mobile deposits, fee refunds, withdrawals, payments, official checks, bill payments, and Western Union. Excludes ACH and Debit Card purchases/refunds. (4) Additional security controls in digital channels placed in 4Q23. Active efforts to drive quality digital acquisitions are in-progress resulting in performance improvement in 2025 vs 2024. (5)JD Power 2020-2022, and 2024-2026 (tied in 2026) U.S. Banking Online Satisfaction Studies; among banks with $60B to $199B in deposits and 200+ branches, which measures customer satisfaction with financial institutions’ website experience for banking account management. Visit jdpower.com/ awards for more details 2.59 2.71 2.73 2Q24 2Q25 2Q26 4.74 5.22 6.81 2Q24 2Q25 2Q26 183 194 211 2Q24 2Q25 2Q26 23% 24% 25% 32% 32% 33% 45% 44% 42% Mobile ATM Branch 2Q24 2Q25 2Q26 75% 78% 80% 25% 22% 20% 2Q24 2Q25 2Q26 Growth in Digital Mobile Banking Log-Ins (Millions) Customer Transactions(2)(3) Deposit Transactions by Channel Mobile Banking Active Users (Millions)(1) Digital Non-Digital +44%+19% 19% 25% 28% 80% 73% 71% 1% 2% 1% Digital Branch Contact Center 2Q24 2Q25 2Q26 Consumer Checking Account Acquisitions by Channel(4) Customer Satisfaction Zelle Transactions (Millions) TransactionsDigital Usage +6% Mobile App Online Banking(5) #1 in Customer Satisfaction for Regional Bank Websites for six of the last seven years and #2 in Customer Satisfaction with Mobile Banking Apps among Regional Banks Average 4.9 out of 5 rating from iOS app store users New Native Mobile App launched. Customer feedback is strong, and usage of key functionality like Zelle and chat at all time highs, with customer chat volume up 70% YoY

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

16 2026 2027 2028 2029 2030 2031 2032 $23.2B $23.2B $21.9B $18.7B $17.5B $11.7B $4.5B $4.2B $4.2B $4.3B $4.4B $4.9B $5.2B $3.5B $19.0B $19.0B $17.6B $14.3B $12.6B $6.5B $1.0B (Q ua rt er ly A vg ) Asset Hedge Notional 3.10% 3.21% 3.39% 3.57% 3.57% 3.59% 3.65% 3.59% 3.58% 3.58% 3.60% 3.64% 3.65% 3.73% (A nn ua l A vg ) 2Q26 3Q26 4Q26 1Q27 Receive-Fixed, Cash Flow Swaps - Loans $23.5B $23.3B $23.5B $23.4B Pay-Fixed, Fair Value Swaps - AFS Securities $4.2B $4.2B $4.2B $4.2B Net Asset Swap Position(1) $19.3B $19.1B $19.3B $19.2B Cash Flow Swap Receive Rate(3) 3.06% 3.13% 3.16% 3.20% AFS Fair Value Swap Pay Rate(3) 3.58% 3.58% 3.58% 3.58% $2.0B $2.0B $1.7B $1.0B $0.3B $0.3B $0.0BCash Flow Collars - Loans(2) $2.0B $2.0B $2.0B $2.0B Hedging Strategy Update Mostly "neutral" rate risk position protects margin & decreases capital volatility Receive-Fixed, Cash Flow Swaps - Loans Cash Flow Collars - Loans(2) Pay-Fixed, Fair Value Swaps - AFS Securities Net Asset Swap Position(1) (1) Net Asset Swap Position equals Receive-Fixed Cash Flow Swaps - Loans minus Pay-Fixed Fair Value Swaps - AFS Securities. (2) Legacy collars have weighted avg. floor of 1.86%, weighted avg. cap of 6.22%. Collars executed in 2026 have weighted avg. floor of 3.30%, weighted avg. cap of 4.75%. Collars use short interest rate caps to pay for long interest rate floors; weighted avg. floor of 2.34%, weighted avg. cap of 5.73%. (3) Floating rate leg of swaps vs overnight SOFR. 2Q26 Asset Hedging Activity Cash Flow Hedging Fair Value Hedging Focused on reducing NIM volatility Focused on reducing AOCI volatility Short-term rate protection in future periods

- Added $1B in forward-starting (2029), 3Y receive-fixed swaps (3.6%) Medium and long-term rate sensitivity hedges (fixed asset turnover)
- Added $1.25B in forward-starting (Sep-26), 5Y receive-fixed swaps (3.5%)
- Terminated $1.5B in fixed asset turnover swaps hedging 1Q26 Securities fair value hedges (with offsetting NIM sensitivity transaction)
- Added $0.9B in forward-starting (2030), 4Y avg receive-fixed swaps (3.8%) with avg maturity in 2034 to offset interest rate risk associated with fair value AOCI hedges
- Added $0.9B in forward-starting (2030), 4Y avg pay-fixed swaps (3.8%) with avg maturity in 2034 Tactical increase in near-term protection given fewer/no Fed Funds cuts priced for 2026
- Added $0.3B in spot-starting receive-fixed swaps (3.6%) maturing Dec-26
- Terminated $0.3B in active pay-fixed swaps maturing Apr-28 as o f 6 /3 0/ 20 26 Short-term rate protection in future periods
- Added $1.5B in forward-starting, receive-fixed swaps (3.7%), with a weighted average start date in 2028 and a weighted average maturity date in 2031
- Added $1B in forward-starting collars (3.30% floor and 4.75% cap), with a weighted average start date in 2028 and weighted average maturity in 2030 2Q26 Cash Flow Hedging Focused on Reducing NIM Volatility Medium and long-term rate sensitivity hedges (fixed asset turnover)
- Added $0.25B in forward-starting (November 2026), 5Y receive-fixed swaps (3.8%)
- Terminated $1.5B of 2Q26 fixed rate loan production hedges
- Reinvestment of paydowns/maturities accretive to portfolio yield by ~1.65% (excluding repositioning activity)
- Sold ~$900M short-duration Agency/Govt bullet-like securities at a $40M pre- tax loss, reinvesting into longer-duration Agency CMBS and MBS at 2.5% higher yields (Previously disclosed with Q1 2026 Earnings) - Represents normal duration management, adding downside rate protection
- Portfolio constructed to protect against changes in market rates - Duration of ~3.9 years (AFS ~3.5 years) as of 6/30/2026; provides offset to long- duration deposit book - 28% of securities in the portfolio are bullet-like (CMBS, corporate bonds, agency bullets, and USTs) - MBS mix concentrated in less sensitive prepayment collateral types: lower loan balances, seasoning, and state-specific geographic concentrations
- 98% US Government or Agency guaranteed - ~$400M high quality, investment grade corporate bond portfolio is short-dated (<3.0 year duration) and well diversified across sectors and issuers - The Agency CMBS portfolio is guaranteed by government agencies and is collateralized by mortgage loans on multifamily properties
- 84% classified as Available-for-Sale; 16% Held-to-Maturity Agency/UST 8% Agency MBS 70% Agency CMBS 21% Corporate Bonds 1% Securities Portfolio Provides downside rate protection/liquidity Securities Portfolio Composition(1) $32.7B Securities AOCI Burn Down and Impact to CET1(2) AO CI L os s ( $M ) Cum ulative CET1 Im pact 581 530 427 325 609 567 483 398 $1,190 $1,097 $910 $723 —% 0.07% 0.22% 0.37% AFS HTM CET1 Impact 6/30/2026 YE 2026 YE 2027 YE 2028 $— $250 $500 $750 $1,000 $1,250 $1,5002Q26 Activity AFS, 84% HTM, 16% (1) Includes AFS securities, the $779M unrealized AFS loss, and HTM securities as of 6/30/2026. (2) Estimated Tax-Adjusted AOCI, current portfolio, market forward interest rates, and Risk Weighted Assets as of 6/30/2026 $32.7B

18 (1.1)% (0.6)% Peer Median RF

- Organic capital generation provides a strong defense against potential losses
- PPNR as a % of average assets ranked highest among peers(3)
- Hedge program intended to protect NIM against falling interest rates has been highly effective 2026 CCAR Capital Degradation(1) Earnings Stability Capital Resiliency (1) CET1 degradation results from the Federal Reserve's modeled results for the Severely Adverse Scenario in 2026 Stress Test. (2) Post-Stress Capital calculated using 4Q25 reported CET1 and the Federal Reserve's modeled capital degradation in 2026 Stress Test. (3) PPI Coverage of Stressed Losses is calculated as the Federal Reserve's modeled 9-quarter PPI divided by 9-quarter Provision Expense in the 2026 Stress Test. Peers include CCAR participants: TFC, CFG, FITB, HBAN, KEY, MTB, USB, and PNC . Source: 2026 Federal Reserve Stress Test Results - June 2026 10.6% 10.8% 10.4% 10.8% 10.8% 10.8% 11.8% 10.9% 10.6% 8.6% 9.2% 9.3% 9.7% 9.7% 9.8% 9.9% 10.3% 10.3% 2.0% 1.6% 1.1% 1.1% 1.1% 1.0% 1.9% 0.6% 0.3% Post-Stress CET1 CCAR 2026 Degradation Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 RF Peer 8 67.4% 72.0% 79.6% 81.4% 83.7% 87.6% 98.4% 101.5% 109.4% Peer 1 Peer 7 Peer 2 Peer 5 Peer 4 Peer 3 Peer 6 RF Peer 8 Post-Stress Capital(2) Pre-Tax Pre-Provision Income Coverage of Stressed Losses(3) Capital Strength Robust capital balances and strong organic capital generation position Regions well for full range of potential economic conditions

19 Continuous Improvement in Risk Management Our commitment to strengthening credit risk disciplines and intentional portfolio shaping over the past decade-plus leaves us well positioned for sound, profitable growth Strong Origination Disciplines Aligned with Comprehensive Risk Framework ☑ Enhanced risk framework through expanded controls, policies and procedures ☑ Invested in data, analytics and market benchmarks to provide early-warning indicators and dynamic industry outlooks ☑ Centralized credit products underwriting, servicing, and exposure management within specialized lending units and enhanced approval structure for higher-risk portfolios ☑ Advanced risk rating methodologies and stress testing capabilities ☑ Modified incentive plans and pricing frameworks to better promote risk-reward alignment Active Portfolio Management and Non-Core Business Exits ☑ Derisked Commercial Real Estate Portfolio diversifying into less cyclical sectors ☑ Focused growth in higher quality relationships and segments including investment grade utilities, REITs, asset securitizations, and subscription lines, as well as Consumer Home Improvement Financing ☑ Actively reduced percent of portfolio comprised of leveraged loans and other higher risk segments ☑ Exited, reduced, or realigned portfolios (Oil Field Services, SoFi, GreenSky, Indirect Auto lending) ☑ Exited non-core businesses including Regions Insurance and Morgan Keegan ☑ Enhanced interest rate risk management through proactive hedging strategies Case Studies in Regions' Portfolio De-Risking 22% 16% 13% Co ns tr uc tio n an d La nd 2010 2020 2025 2010 2020 2025 In ve st m en t G ra de Eq ui va le nt s O ilf ie ld S er vi ce s 20% 29% 39% 36% 17% 16% % of Real Estate Loans % of Business Loans % of Energy Loans 2010 2020 2025

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

21 0.56% —% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 0.35% —% 0.50% 1.00% Consumer Net Charge-Offs(2) Commercial Net Charge-Offs(1) 1Q20 2Q26 4Q22 1Q20 4Q22 2Q26 (1) Includes C&I, CRE - OO and IRE. (2) The spike in Consumer net charge-offs in late 2013 was associated with the move of ~$700M primarily accruing troubled debt restructured residential first mortgage loans to held for sale resulting in ~$150M of charge-offs. The spikes in 3Q22 and 4Q23 were associated with the fair value marks taken on the sales of ~$1.2B and ~$300M consumer unsecured loan portfolios resulting in $63M and $35M of incremental charge-offs, respectively. Average Pre-Pandemic 0.27% Average Pandemic 0.25% Average Pre-Pandemic 0.78% Average Pandemic 0.53% 1Q13 1Q13 Historical Credit Profile

22 Commercial Real Estate (Outstanding balances as of June 30, 2026) Highly Diversified Portfolio (IRE including Unsecured CRE) (1) Excludes $5.4B of Owner-occupied CRE whose source of repayment are individual businesses, and whose credit performance resembles Commercial during periods of stress. (2) Based off 03/31/2026 Risk Based Capital estimate. Supervisory limits in the December 2006 joint regulatory issuance "Guidance on Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices". Residential Land 0.5% Res. Homebuilders 7.4% Other 4.1% Hotel 4.6% Healthcare 8.2% Retail 7.6% Business Office 5.1% Self Storage 1.8% Data Center 4.0%Diversified 7.9% Industrial 13.3% Medical Office Building 3.5% Commercial Land 0.3% Apartments 31.7% $16.9B $ in billions % of Total Loans Unsecured CRE (incl. REITs) $ 6.9 7.0 % IRE 10.0 10.0 % Total(1) $ 16.9 17.0 % Yearly Loan Maturities 1% 16% 34% 26% 13% 6% 4% Multi-Family Office Other Real Estate Total Real Estate Matured 2026 2027 2028 2029 2030 >5years $— $1,000 $2,000 $3,000 Data Center 13% Diversified 7% Apartments 7% Hotel 12% Industrial 25% Other 5% Healthcare 7% Self Storage 6% Retail 18% REITs within Total: $5.2B Key Portfolio Metrics

- Unsecured loans for RE purposes generally have low leverage, with strong access to liquidity - 59% of REIT outstanding balances are investment grade, which provides loss insulation to the overall portfolio - Balance of remaining unsecured is primarily to institutional RE Funds backed by predominantly IG sponsors
- Total IRE (incl unsec. CRE) to Risk Based Capital(2): 108% and Construction, Land, and Acq. & Dev. to Risk Based Capital: 16% are well below supervisory limits (300%/100%)

23 CRE- Office Portfolio (Outstanding balances as of June 30, 2026) (1) $ in Millions. Amounts include IRE and CRE Unsecured loans but exclude Held For Sale loans. Metrics represent 6/30/2026 results except for charge-offs, which reflects results for the 6 months ended June 30, 2026, annualized, based on average balances. NPL & ACL percentages are based on Portfolio totals. (2) Stressed LTV based on GreenStreet's Commercial Property Price Index as of July 7, 2026; applied the "Recent Peak" discount to properties where the latest appraisal is >1 year (34% discount); applied the "Past

12 Months" discount to properties where an appraisal occurred within the last year (0% discount). (3) Includes matured balances. (4) Comprised of REITs and business banking borrowers.

- Business Offices secured = 99% / unsecured = 1%
- IRE WA LTV 64% (based on appraisal at origination or most recent received); Stressed IRE WA LTV 85% using GreenStreet(2)
- 62% of secured outstanding IRE balances are located in the South of which 87% is Class A
- Investment Grade tenants make up 77% of Single Tenant IRE balances
- $512M or approximately 60% of total Office balances will mature in the next 12 months(3) Key Portfolio Metrics(1) Balances $858 % of Total Loans 0.9% NPL $121 NPL / Loans 14.1% Charge-offs $1 Charge-offs / Loans 0.1% ACL $35 ACL / Loans 4.1% Ongoing Portfolio Surveillance 45% 55% Multi-Tenant Single Tenant 85% 15% Class A Class B Investor Real Estate Office Portfolio Overview 79% 21% Suburban Urban ACL Rates Single Tenant Multi Tenant Miscellaneous(4) 2.4% 7.8% 2.9%

24 Transportation - Trucking (Outstanding balances as of June 30, 2026) (1) $ in Millions. Metrics represent 6/30/2026 results except for charge-offs, which reflects results for the 6 months ended June 30, 2026, annualized, based on average balances. NPL & ACL percentages are based on Portfolio totals. Metrics are inclusive of the Ascentium portfolio. Key Portfolio Metrics(1) Balances $1,076 % of Total Loans 1.1% NPL $45 NPL / Loans 4.1% Charge-offs $29 Charge-offs / Loans 5.2% ACL $83 ACL / Loans 7.8%

- The current Trucking market is being driven by carrier exits, driver shortages, regulatory pressures, and reduced equipment investment, which is resulting in higher spot rates and improving carrier profitability
- Trucking capacity has meaningfully exited the market due to prolonged low rates and regulatory pressures, shifting pricing power back to carriers
- While the freight cycle has improved and spot-market fundamentals are strong, the industry remains vulnerable to economic turmoil and slowdowns
- New originations in the sector continue to be curtailed and those that are being considered are typically secured or targeted towards larger companies
- Trucking balances have declined 25% year-over-year, and asset quality has continued to improve Ongoing Portfolio Surveillance

25 Consumer Lending Portfolio

- Current LTV 53%
- 99% owner occupied
- 2Q26 QTD NCO —%
- Current LTV 39%
- 56% of portfolio is 1st lien
- Avg. loan size $36,067
- $114M to convert to amortizing or balloon during 2026
- 2Q26 QTD NCO (0.04%)
- Avg. new loan $10,689
- 2Q26 Yield 7.89%
- 2Q26 QTD NCO 1.34%

-

- Avg. new line $9,441
- 2Q26 Yield 13.69%
- 2Q26 QTD NCO 4.28% 5% 6% 5% 5% 10% 6% 7% 14% 9% 81% 68% 78% 2% 2% 2% Cons R/E secured Cons non-R/E secured Total consumer Not Available Above 720 620-680 Below 620 681-720 Consumer FICO Scores(1) (1) Refreshed FICO scores as of 06/30/2026. Consumer R/E secured balances comprise 78% of the Consumer portfolio while Consumer non-R/E balances comprise 22% of the Consumer portfolio. (2) Regions' Home Improvement Financing was formerly known as EnerBank. Residential Mortgage Consumer Credit Card Home Equity Home Improvement Financing(2)

26 $3,051 $1,678 $5,397 $1,603 $756 (1) Non-Depository Financial Institutions (NDFI) $ in Millions is an estimate and based on Call Report Schedule RC-C definition. (2) Defined as Regions' Indirect Leverage Lending, Non-Recourse ABL/Factoring, and Asset-Backed Finance to Funds or Business Development Companies managed by Large Asset Managers. NDFI & Private Credit - Stable Composition and Solid Credit Quality Diversified, investment-grade portfolios aligned with Regions' core markets and industries Loans to Private Credit(2) (14%)

- Structural protections in place, such as advance rate and borrowing base analysis, covenants, and frequent reporting requirements
- ~75% Investment Grade 6/30/2026(1) $12.5B 12.6% of Total Loans ~70% Investment Grade Private Equity Subscription Lines (13%) Consumer Credit & Mortgage Intermediaries (6%) Other (43%)
- Unsecured Equity REITs
- Insurance Companies
- Equipment Leasing
- Supply Chain Finance Specialty Finance Companies (24%) Business Credit Intermediaries (38%) Asset Secured, Recourse Business Credit

27 QoQ Highlights

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

28 Pre-R&S period 2Q2026 3Q2026 4Q2026 1Q2027 2Q2027 3Q2027 4Q2027 1Q2028 2Q2028 Real GDP, annualized % change 1.9 % 1.8 % 2.4 % 2.7 % 2.7 % 2.6 % 2.3 % 2.3 % 2.2 % Unemployment rate 4.3 % 4.3 % 4.3 % 4.3 % 4.2 % 4.2 % 4.1 % 4.0 % 4.0 % HPI, year-over-year % change 0.0 % (0.4) % (0.5) % 0.0 % 0.7 % 1.4 % 1.8 % 2.0 % 2.1 % CPI, year-over-year % change 3.9 % 3.7 % 3.7 % 3.4 % 2.3 % 2.3 % 2.2 % 2.2 % 2.3 % Base R&S Economic Outlook (As of June 2026)

- A single, base economic forecast represents Regions’ internal outlook for the economy as of 2Q26 over the reasonable & supportable forecast period
- Management considered alternative internal and external forecasts to establish appropriate qualitative adjustments
- Final qualitative adjustments included consideration of the allowance's sensitivity to economic uncertainties that reflected a 15-20% increase in the unemployment rate

29 As of 6/30/2026 Day

1 Ratios (in millions) Loan Balance ACL ACL/Loans Actual Proforma C&I $49,072 $562 1.15 % CRE-OO mortgage 5,127 109 2.12 % CRE-OO construction 267 7 2.54 % Total commercial $54,466 $678 1.24 % 1.33 % 1.32 % IRE mortgage 7,896 96 1.22 % IRE construction 2,073 29 1.39 % Total IRE $9,969 $125 1.25 % 1.06 % 1.06 % Residential first mortgage 19,498 120 0.61 % Home equity lines 3,241 109 3.37 % Home equity loans 2,263 30 1.31 % Consumer credit card 1,498 122 8.19 % Other consumer 821 49 5.92 % Total consumer $27,321 $430 1.57 % 1.73 % 1.45 % Sold/Acquired Portfolios(1) $7,444 $380 5.11 % 5.92 % 5.11 % Total $99,200 $1,613 1.63 % 1.71 % 1.62 % Allowance Allocation Regions "Day 1" CECL ACL ratio on 1/1/2020 was 1.71%. The company has executed a number of de-risking strategies that have improved the overall loan portfolio. Taking the 2Q26 loan portfolio and applying the "Day 1" ACL rates would produce a proforma Day

1 ACL ratio of 1.62%. (1) Sold portfolios since Day

1 CECL include SoFi, GreenSky and Auto. Acquired portfolios include Ascentium and EnerBank.

30 Management uses pre-tax pre-provision income (non-GAAP), adjusted pre-tax pre-provision income (non-GAAP), the adjusted efficiency ratio (non-GAAP), the adjusted fee income ratio (non-GAAP), return on average tangible common shareholders' equity (non-GAAP), adjusted return on average tangible common shareholders' equity (non-GAAP), common equity Tier 1 ratio (inclusive of AOCI) (non-GAAP), as well as adjusted net income available to common shareholders (non-GAAP) and adjusted diluted EPS (non-GAAP) to monitor performance and believes these measures provide meaningful information to investors. Non-interest expense (GAAP) is presented excluding certain adjustments to arrive at adjusted non-interest expense (non-GAAP), which is the numerator for the adjusted efficiency ratio. Non-interest income (GAAP) is presented excluding certain adjustments to arrive at adjusted non-interest income (non-GAAP), which is the numerator for the adjusted fee income ratio. Adjusted non-interest income (non-GAAP) and adjusted non-interest expense (non-GAAP) are used to determine adjusted pre-tax pre-provision income (non-GAAP). Net interest income (GAAP) on a taxable-equivalent basis and non-interest income are added together to arrive at total revenue on a taxable-equivalent basis. Adjustments are made to arrive at adjusted total revenue on a taxable-equivalent basis (non-GAAP), which is the denominator for the adjusted fee income and adjusted efficiency ratios. Net income available to common shareholders (GAAP) is presented excluding certain adjustments, net of tax, to arrive at adjusted net income available to common shareholders (non-GAAP), which is the numerator for adjusted diluted EPS (non-GAAP).

Return on average tangible common shareholders' equity (non-GAAP) is calculated by dividing net income available to common shareholders (GAAP) by the average tangible common shareholders’ equity (non-GAAP). Net income available to common shareholders (GAAP) is presented excluding certain adjustments, net of tax, to arrive at adjusted net income available to common shareholders (non-GAAP), which is the numerator for adjusted return on average tangible common shareholders’ equity. Adjusted return on average tangible common shareholders' equity is calculated by dividing the adjusted net income available to common shareholders (non-GAAP) by the average tangible common shareholders’ equity (non-GAAP). Common equity Tier 1 ratio (inclusive of AOCI) (non-GAAP) is calculated by dividing the adjusted common equity tier 1 (non-GAAP), which is arrived at by excluding the AOCI loss on securities and AOCI loss on defined benefit pension plans and other post employment benefits from common equity Tier 1, by the company’s total risk-weighted assets (GAAP). Regions believes that the exclusion of these adjustments provides a meaningful basis for period-to-period comparisons, which management believes will assist investors in analyzing the operating results of the company and predicting future performance. These non- GAAP financial measures are also used by management to assess the performance of Regions’ business. It is possible that the activities related to the adjustments may recur; however, management does not consider the activities related to the adjustments to be indications of ongoing operations.

Regions believes that presentation of these non-GAAP financial measures will permit investors to assess the performance of the company on the same basis as that applied by management. Tangible common book value per share is calculated by dividing tangible common shareholders' equity (non-GAAP) by tangible assets (non-GAAP). The numerator for tangible book value per share (non-GAAP), tangible common shareholders' equity (non-GAAP), is calculated by excluding intangible assets and the deferred tax liability related to intangible assets from common shareholders' equity (GAAP). The denominator for tangible book value per share (non-GAAP), tangible assets (non-GAAP), is calculated by excluding intangible assets and the deferred tax liability related to intangible assets from total assets (non-GAAP). Tangible common shareholders’ equity ratios have become a focus of some investors and management believes they may assist investors in analyzing the capital position of the company absent the effects of intangible assets and preferred stock. Analysts and banking regulators have assessed Regions’ capital adequacy using the tangible common shareholders’ equity measure. Because tangible common shareholders’ equity is not formally defined by GAAP or prescribed in any amount by federal banking regulations it is currently considered to be a non-GAAP financial measure and other entities may calculate it differently than Regions’ disclosed calculations. Since analysts and banking regulators may assess Regions’ capital adequacy using tangible common shareholders’ equity to tangible assets, management believes that it is useful to provide investors the ability to assess Regions’ capital adequacy on this same basis.

Non-GAAP financial measures have inherent limitations, are not required to be uniformly applied and are not audited. Although these non-GAAP financial measures are frequently used by stakeholders in the evaluation of a company, they have limitations as analytical tools, and should not be considered in isolation, or as a substitute for analyses of results as reported under GAAP. In particular, a measure of earnings that excludes selected items does not represent the amount that effectively accrues directly to stockholders. Additionally, our non-GAAP financial measures may not be comparable to similar non-GAAP financial measures used by other companies and there is no certainty that we will not incur expenses in the future that are similar to those excluded in the calculations of non- GAAP financial measures presented herein. Management and the Board of Directors utilize non-GAAP measures as follows:

- Preparation of Regions' operating budgets
- Monthly financial performance reporting
- Monthly close-out reporting of consolidated results (management only)
- Presentation to investors of company performance
- Metrics for incentive compensation Note on Forward-Looking Guidance The Company has also provided forward-looking guidance with respect to certain of the non-GAAP measures, which excludes from the corresponding GAAP financial measures the effect of certain adjustments. The Company has not provided a reconciliation of such non-GAAP guidance to guidance presented on a GAAP basis because it cannot predict and quantify without unreasonable effort all of the adjustments that may occur during the period due to the difficulty of presenting the timing and amounts of various items within a reasonable range. Non-GAAP Information

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

32 Non-GAAP Reconciliation Net Income Available to Common Shareholders, Adjusted Diluted EPS, and Return Ratios NM - Not Meaningful Quarter Ended ($ amounts in millions) 6/30/2026 3/31/2026 12/31/2025 9/30/2025 6/30/2025 2Q26 vs. 1Q26 2Q26 vs. 2Q25 Net income available to common shareholders (GAAP) A $ 549 $ 539 $ 514 $ 548 $ 534 $ 10 1.9 % $ 15 2.8 % Adjustments: Securities (gains) losses, net 40 — — 25 —

40 NM

40 NM FDIC insurance special assessment — — (14) (3) (1) — NM 1 100.0 % Salaries and employee benefits—severance charges — — — — 1 — NM (1) (100.0) % Branch consolidation, property and equipment charges 5 — — (5) —

5 NM

5 NM Preferred stock redemption expense — — — — 4 — NM (4) (100.0) % Total adjustments 45 — (14) 17 4 $

45 NM $

41 NM Tax impact of adjusted items (11) — 4 (4) — (11) NM (11) NM Adjusted net income available to common shareholders (non-GAAP) B $ 583 $ 539 $ 504 $ 561 $ 538 $ 44 8.2 % $ 45 8.4 % Weighted-average diluted shares C 857 868 880 894 900 Diluted EPS (GAAP) A/C $ 0.64 $ 0.62 $ 0.58 $ 0.61 $ 0.59 $ 0.02 3.2 % $ 0.05 8.5 % Adjusted diluted EPS (non-GAAP) B/C 0.68 0.62 0.57 0.63 0.60 $ 0.06 9.7 % $ 0.08 13.3 % Average shareholders' equity (GAAP) 18,676 19,077 18,986 18,688 18,350 (401) (2.1) % 326 1.8 % Less: Average preferred stock (GAAP) 1,369 1,369 1,369 1,369 1,513 — — % (144) (9.5) % Average common shareholders' equity (GAAP) D 17,307 17,708 17,617 17,319 16,837 (401) (2.3) % 470 2.8 % Less: Average intangible assets (GAAP) 5,863 5,869 5,876 5,883 5,891 (6) (0.1) % (28) (0.5) % Average deferred tax liability related to intangibles (GAAP) (141) (138) (135) (131) (127) (3) (2.2) % (14) (11.0) % Average tangible common shareholders' equity (non-GAAP) E $ 11,585 $ 11,977 $ 11,876 $ 11,567 $ 11,073 (392) (3.3) % 512 4.6 % Return on average common shareholders' equity (GAAP) A/D 12.73 % 12.35 % 11.58 % 12.56 % 12.72 % Return on average tangible common shareholders' equity (non-GAAP) A/E 19.01 % 18.26 % 17.17 % 18.81 % 19.34 % Adjusted return on average tangible common shareholders' equity (non-GAAP) B/E 20.18 % 18.26 % 16.84 % 19.24 % 19.48 %

33 Non-GAAP Reconciliation Pre-Tax Pre-Provision Income (PPI) Quarter Ended ($ amounts in millions) 6/30/2026 3/31/2026 12/31/2025 9/30/2025 6/30/2025 2Q26 vs. 1Q26 2Q26 vs. 2Q25 Net income available to common shareholders (GAAP) $ 549 $ 539 $ 514 $ 548 $ 534 $ 10 1.9 % $ 15 2.8 % Preferred dividends and other (GAAP) 21 20 20 21 29 1 5.0 % (8) (27.6) % Income tax expense (GAAP) 148 155 174 139 143 (7) (4.5) % 5 3.5 % Income before income taxes (GAAP) 718 714 708 708 706 4 0.6 % 12 1.7 % Provision for credit losses (GAAP) 68 91 115 105 126 (23) (25.3) % (58) (46.0) % Pre-tax pre-provision income (non-GAAP) 786 805 823 813 832 (19) (2.4) % (46) (5.5) % Other adjustments: Securities (gains) losses, net 40 — — 25 —

40 NM

40 NM FDIC insurance special assessment — — (14) (3) (1) — NM 1 100.0 % Salaries and employee benefits—severance charges — — — — 1 — NM (1) (100.0) % Branch consolidation, property and equipment charges 5 — — (5) —

5 NM

5 NM Total other adjustments 45 — (14) 17 —

45 NM

45 NM Adjusted pre-tax pre-provision income (non-GAAP) $ 831 $ 805 $ 809 $ 830 $ 832 $ 26 3.2 % $ (1) (0.1) % NM - Not Meaningful

34 Non-GAAP Reconciliation NII, Non-Interest Income/Expense, and Efficiency Ratio NM - Not Meaningful Quarter Ended ($ amounts in millions) 6/30/2026 3/31/2026 12/31/2025 9/30/2025 6/30/2025 2Q26 vs. 1Q26 2Q26 vs. 2Q25 Non-interest expense (GAAP) A $ 1,121 $ 1,068 $ 1,098 $ 1,103 $ 1,073 $ 53 5.0 % $ 48 4.5 % Adjustments: FDIC insurance special assessment — — 14 3 1 — NM (1) (100.0) % Branch consolidation, property and equipment charges (5) — — 5 — (5) NM (5) NM Salary and employee benefits—severance charges — — — — (1) — NM 1 100.0 % Adjusted non-interest expense (non-GAAP) B $ 1,116 $ 1,068 $ 1,112 $ 1,111 $ 1,073 $ 48 4.5 % $ 43 4.0 % Net interest income (GAAP) C $ 1,277 $ 1,248 $ 1,281 $ 1,257 $ 1,259 $ 29 2.3 % $ 18 1.4 % Taxable-equivalent adjustment 14 13 13 12 12 1 7.7 % 2 16.7 % Net interest income, taxable-equivalent basis D $ 1,291 $ 1,261 $ 1,294 $ 1,269 $ 1,271 $ 30 2.4 % $ 20 1.6 % Non-interest income (GAAP) E 630 625 640 659 646 5 0.8 % (16) (2.5) % Adjustments: Securities (gains) losses, net 40 — — 25 —

40 NM

40 NM Adjusted non-interest income (non-GAAP) F $ 670 $ 625 $ 640 $ 684 $ 646 45 7.2 % $ 24 3.7 % Total revenue C+E=G $ 1,907 $ 1,873 $ 1,921 $ 1,916 $ 1,905 $ 34 1.8 % $ 2 0.1 % Adjusted total revenue (non-GAAP) C+F=H $ 1,947 $ 1,873 $ 1,921 $ 1,941 $ 1,905 $ 74 4.0 % $ 42 2.2 % Total revenue, taxable-equivalent basis D+E=I $ 1,921 $ 1,886 $ 1,934 $ 1,928 $ 1,917 $ 35 1.9 % $ 4 0.2 % Adjusted total revenue, taxable-equivalent basis (non-GAAP) D+F=J $ 1,961 $ 1,886 $ 1,934 $ 1,953 $ 1,917 $ 75 4.0 % $ 44 2.3 % Operating leverage ratio (GAAP) I-A (4.3) % Adjusted operating leverage ratio (non-GAAP) J-B (1.7) % Efficiency ratio (GAAP) A/I 58.3 % 56.6 % 56.8 % 57.2 % 56.0 % Adjusted efficiency ratio (non-GAAP) B/J 56.9 % 56.6 % 57.5 % 56.9 % 56.0 % Fee income ratio (GAAP) E/I 32.8 % 33.1 % 33.1 % 34.2 % 33.7 % Adjusted fee income ratio (non-GAAP) F/J 34.2 % 33.1 % 33.1 % 35.0 % 33.7 %

35 Non-GAAP Reconciliation Non-Interest Expense Twelve Months Ended December 31 ($ amounts in millions) 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 Non-interest expense (GAAP) $ 4,313 $ 4,242 $ 4,416 $ 4,068 $ 3,747 $ 3,643 $ 3,489 $ 3,570 $ 3,491 $ 3,483 Adjustments: FDIC insurance special assessment 17 (16) (119) — — — — — — — Contribution to Regions Financial Corporation foundation — — — (3) (10) — (60) (40) — Professional, legal and regulatory expenses (2) (3) (1) (179) (15) (7) — — — (3) Branch consolidation, property and equipment charges 5 (3) (7) (3) (5) (31) (25) (11) (22) (58) Expenses associated with residential mortgage loan sale — — — — — — — (4) — — Early extinguishment of debt — — 4 — (20) (22) (16) — — (14) Salary and employee benefits—severance charges (2) (30) (31) — (6) (31) (5) (61) (10) (21) Acquisition expense — — — — — (1) — — — — Other miscellaneous expenses — 37 — — — — — — — — Adjusted non-interest expense (non-GAAP) $ 4,331 $ 4,227 $ 4,262 $ 3,886 $ 3,698 $ 3,541 $ 3,443 $ 3,434 $ 3,419 $ 3,387

36 Quarter Ended ($ amounts in millions) 6/30/2026 3/31/2026 12/31/2025 9/30/2025 6/30/2025 CET1 RATIOS Common Equity Tier 1(1) A $ 13,692 $ 13,419 $ 13,490 $ 13,620 $ 13,533 Adjustments: AOCI gain (loss) on securities(2) (1,192) (1,172) (1,076) (1,241) (1,485) AOCI gain (loss) on defined benefit pension plans and other post employment benefits (384) (387) (391) (396) (401) Common Equity Tier 1 (inclusive of AOCI)(non-GAAP) B $ 12,116 $ 11,860 $ 12,023 $ 11,983 $ 11,647 Total risk-weighted assets(1) C $ 127,786 $ 125,682 $ 123,882 $ 125,386 $ 125,755 Common Equity Tier 1 ratio(1)(3) A/C 10.7 % 10.7 % 10.9 % 10.9 % 10.8 % Common Equity Tier 1 ratio (inclusive of AOCI)(non-GAAP)(1)(3) B/C 9.5 % 9.4 % 9.7 % 9.6 % 9.3 % Non-GAAP Reconciliation CET1- inclusive of AOCI(4) (1) Common equity Tier 1 as well as Total risk-weighted assets are estimated. (2) Represents AOCI on AFS and HTM securities (3) Amounts calculated based upon whole dollar values (4) Consistent with the proposed Basel III Endgame rules, AOCI for CF hedges remains excluded.

37 Forward-Looking Statements This presentation, the related earnings release, and the accompanying earnings call may include forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. In addition, the company, through its senior management, may from time to time make forward-looking public statements concerning the matters described herein. The words “future,” “anticipates,” “assumes,” “intends,” “plans,” “seeks,” “believes,” “predicts,” “potential,” “objectives,” “estimates,” “expects,” “targets,” “projects,” “outlook,” “forecast,” “would,” “will,” “may,” “might,” “could,” “should,” “can,” and similar terms, expressions, and graphics often signify forward-looking statements. Forward-looking statements are subject to the risk that the actual effects may differ, possibly materially, from what is reflected in those forward-looking statements due to factors and future developments that are uncertain, unpredictable and in many cases beyond our control. Forward-looking statements are not based on historical information, but rather are related to future operations, strategies, financial results or other developments. Forward-looking statements are based on management’s current expectations as well as certain assumptions and estimates made by, and information available to, management at the time the statements are made. Those statements are based on general assumptions and are subject to various risks, and because they also relate to the future they are likewise subject to inherent uncertainties and other factors that may cause actual results to differ materially from the views, beliefs and projections expressed in such statements. Therefore, we caution you against relying on any of these forward-looking statements. These risks, uncertainties and other factors include, but are not limited to, those described below:

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