REGIONS FINANCIAL CORP Earnings Summary — Q2 FY2026

• Delivered second quarter earnings of $549 million with diluted EPS of $0.64, representing a 3% sequential increase.
• Wealth Management achieved record income for the quarter, marking its 5th record performance in the last six quarters.
• Average loans grew 2% sequentially, primarily driven by high-quality Commercial and Industrial (C&I) lending and multifamily bridge financing.
• Net interest margin remained robust at 3.66%, supported by a peer-leading low-cost deposit base with interest-bearing costs at 1.69%.
• Asset quality improved significantly, with net charge-offs decreasing 12 basis points to 0.42% of average loans.
• Capital position remains strong with a CET1 ratio of 10.7% and total available liquidity of approximately $69 billion.
• Announced a 13% increase in the quarterly common stock dividend to $0.30 per share.

Management expressed clear momentum going into the second half of 2026, focusing on self-funding growth initiatives through well-controlled expenses and leveraging investment in technology. The company completed the acquisition of The Frazer Lanier Company on July 1, 2026, to expand municipal finance and capital markets capabilities.

Improving

Sequential improvements in loan growth, credit metrics (lower charge-offs), and record wealth management fees indicate a stronger operational footing compared to the prior quarter.

The outlook remains focused on risk-adjusted returns and leveraging high-quality broad-based C&I lending while maintaining a mostly neutral short-term interest rate position through an industry-leading hedging program.