Regions reported FY 2025 net income available to common shareholders of USD 2.1 billion, or USD 2.30 per diluted share, up from FY 2024. Net interest income (taxable-equivalent) was USD 5.0 billion in FY 2025, with net interest margin at 3.61% (up 7 basis points), driven primarily by lower funding costs and improved hedge performance as short-term rates declined, plus benefits from debt securities repositioning and reinvestment activity. Provision for credit losses was USD 470 million in FY 2025, while net charge-offs were USD 513 million (0.53% of average loans). Non-interest income totaled USD 2.5 billion in FY 2025, reflecting a reduced level of securities losses versus FY 2024 and higher fee income across several categories, while non-interest expense was USD 4.3 billion. Regions’ FY 2025 effective tax rate was 21.4%. Balance sheet and business highlights included a USD 1.1 billion decline in total loans in FY 2025 (commercial down USD 947 million; consumer down USD 539 million; partially offset by a USD 605 million increase in commercial investor real estate mortgage loans), and total deposits of USD 131.1 billion at December 31, 2025. Regions ended 2025 with a CET1 ratio estimated at 10.89% (Tier 1 capital ratio 11.99%; total capital ratio 13.89%) and cash at the Federal Reserve of USD 7.8 billion. The board authorized a new USD 3.0 billion common stock repurchase program for January 1, 2026 through December 31, 2027, after repurchasing about 78 million shares for USD 1.7 billion under the prior authorization through December 31, 2025.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Regions Financial Corporation published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001281761-26-000019), on February 24, 2026, and is solely responsible for the information contained therein.