REGIONS FINANCIAL CORP

RF 10-K · Q4 2025
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RF Q4 2025 request

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Income Statement

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Income Statement
Metric Q4 2025 Q4 2024 YoY
Interest And Fee Income Loans And Leases 1,358 1,416 -4.1%
Interest Income Securities Taxable 300 256 +17.2%
Interestand Fee Income Loans Leases Heldfor Sale 9 11 -18.2%
Other Interest And Dividend Income 101 119 -15.1%
Interest And Dividend Income Operating 1,768 1,802 -1.9%
Interest Expense Deposits 421 467 -9.9%
Interest Expense Short Term Borrowings 4 16 -75.0%
Interest Expense Long Term Debt 62 89 -30.3%
Interest Expense Operating 487 572 -14.9%
Interest Income Expense Net 1,281 1,230 +4.1%
Provision For Loan Lease And Other Losses 115 120 -4.2%
Show Business Segments breakouts
All Other Segments -35 -40 +12.5%
Consumer Bank 70 68 +2.9%
Corporate Bank 78 90 -13.3%
Wealth Management 2 2 0.0%
Interest Income Expense After Provision For Loan Loss 1,166 1,110 +5.0%
Noninterest Income 640 585 +9.4%
Show Product Lines breakouts
Asset Management1 95 89 +6.7%
Bank-owned life insurance [Member] 23 21 +9.5%
Bank-owned life insurance [Member] · All Other Segments 23 21 +9.5%
Capital markets income [Member] 80 97 -17.5%
Capital markets income [Member] · Consumer Bank 1 0 —
Capital markets income [Member] · Corporate Bank 79 97 -18.6%
Capital markets income [Member] · Wealth Management 0 0 —
Credit And Debit Card 123 113 +8.8%
Credit And Debit Card · Consumer Bank 113 102 +10.8%
Credit And Debit Card · Corporate Bank 10 11 -9.1%
Deposit Account 163 155 +5.2%
Deposit Account · Consumer Bank 101 98 +3.1%
Deposit Account · Corporate Bank 61 56 +8.9%
Deposit Account · Wealth Management 1 1 0.0%
Investment Advice 48 37 +29.7%
Investment Advice · Wealth Management 48 37 +29.7%
Investment management and trust fee income 95 89 +6.7%
Investment management and trust fee income · Wealth Management 95 89 +6.7%
Letter Of Credit 30 28 +7.1%
Letter Of Credit · Corporate Bank 30 28 +7.1%
Market value adjustments on employee benefit assets - other [Member] -5 -5 0.0%
Market value adjustments on employee benefit assets - other [Member] · All Other Segments -5 -5 0.0%
Mortgage Banking 32 35 -8.6%
Mortgage Banking · Consumer Bank 32 35 -8.6%
Other [Member] 147 126 +16.7%
Other miscellaneous income [Member] 51 45 +13.3%
Other miscellaneous income [Member] · All Other Segments -33 -26 -26.9%
Other miscellaneous income [Member] · Consumer Bank 20 22 -9.1%
Other miscellaneous income [Member] · Corporate Bank 64 48 +33.3%
Other miscellaneous income [Member] · Wealth Management 0 1 -100.0%
Securities gains, net [Member] 0 -30 +100.0%
Securities gains, net [Member] · All Other Segments 0 -30 +100.0%
Show Business Segments breakouts
All Other Segments -16 -40 +60.0%
Consumer Bank 267 257 +3.9%
Corporate Bank 244 240 +1.7%
Wealth Management 145 128 +13.3%
Show — breakouts
Noninterest Income 0 2 -100.0%
Labor And Related Expense 662 617 +7.3%
Show Business Segments breakouts
All Other Segments 265 235 +12.8%
Consumer Bank 183 182 +0.5%
Corporate Bank 139 134 +3.7%
Wealth Management 75 66 +13.6%
Equipment Expense 112 104 +7.7%
Show Business Segments breakouts
All Other Segments 78 73 +6.8%
Consumer Bank 27 25 +8.0%
Corporate Bank 7 5 +40.0%
Wealth Management 0 1 -100.0%
Occupancy Net 74 67 +10.4%
Show Business Segments breakouts
All Other Segments 7 6 +16.7%
Consumer Bank 57 51 +11.8%
Corporate Bank 7 7 0.0%
Wealth Management 3 3 0.0%
Other Noninterest Expense 250 250 0.0%
Noninterest Expense 1,098 1,038 +5.8%
Show Business Segments breakouts
All Other Segments 13 -3 +533.3%
Consumer Bank 642 601 +6.8%
Corporate Bank 320 320 0.0%
Wealth Management 123 120 +2.5%
Income Loss Attributable To Parent 708 657 +7.8%
Income Tax Expense (Benefit) 174 123 +41.5%
Show Business Segments breakouts
All Other Segments -1 -39 +97.4%
Consumer Bank 75 79 -5.1%
Corporate Bank 83 72 +15.3%
Wealth Management 17 11 +54.5%
Net Income 534 534 0.0%
Net Income Loss Available To Common Stockholders Basic 514 508 +1.2%
Wtd Avg Shares (Basic) -6 -1 -500.0%
Wtd Avg Shares (Diluted) -6 -1 -500.0%
EPS (Basic) 0.59 0.56 +5.4%
EPS (Diluted) 0.58 0.55 +5.5%
Income Before Taxes 708 657 +7.8%
Show Business Segments breakouts
All Other Segments 6 3 +100.0%
Consumer Bank 303 315 -3.8%
Corporate Bank 332 292 +13.7%
Wealth Management 67 47 +42.6%
Net Income 534 534 0.0%
Show Business Segments breakouts
All Other Segments 7 42 -83.3%
Consumer Bank 228 236 -3.4%
Corporate Bank 249 220 +13.2%
Wealth Management 50 36 +38.9%
Comprehensive Income 668 -500 +233.6%
Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification After Tax -73 -465 +84.3%
Preferred Stock Dividends Income Statement Impact -20 -26 +23.1%

Balance Sheet

Balance Sheet
Metric Q4 2025 Q4 2024 YoY
Current Assets
Cash & Cash Equivalents (Q) — — —
Show Consolidated Entities breakouts
Parent Company 726 2,420 -70.0%
Non-Current Assets
Property, Plant & Equipment 1,659 1,673 -0.8%
Show Consolidated Entities breakouts
Parent Company 43 45 -4.4%
Goodwill 5,733 5,733 0.0%
Show Business Segments breakouts
Consumer Bank 2,334 2,334 0.0%
Corporate Bank 3,006 3,006 0.0%
Wealth Management 393 393 0.0%
Total Assets 158,814 157,302 +1.0%
Show Consolidated Entities breakouts
Parent Company 22,014 21,681 +1.5%
Operating Lease Right-of-Use Assets 464 453 +2.4%
Other Assets
Cash And Due From Banks 3,112 2,893 +7.6%
Interest Bearing Deposits In Banks 7,795 7,819 -0.3%
Show Consolidated Entities breakouts
Parent Company 726 2,420 -70.0%
Held To Maturity Securities 5,606 4,427 +26.6%
Show Financial Instrument breakouts
Commercial agency 369 507 -27.2%
Residential agency 5,237 3,920 +33.6%
Available For Sale Securities Debt Securities 27,560 26,224 +5.1%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level1 · Fair Value Measurements Recurring 2,276 2,003 +13.6%
Fair Value Inputs Level1 · US Treasury Securities 2,276 2,003 +13.6%
Fair Value Inputs Level2 · Commercial agency 5,829 4,090 +42.5%
Fair Value Inputs Level2 · Commercial non-agency 82 82 0.0%
Fair Value Inputs Level2 · Corporate Debt Securities 439 655 -33.0%
Fair Value Inputs Level2 · Fair Value Measurements Recurring 25,282 24,218 +4.4%
Fair Value Inputs Level2 · Residential agency 18,387 18,945 -2.9%
Fair Value Inputs Level2 · US Government Corporations And Agencies Securities 543 444 +22.3%
Fair Value Inputs Level2 · US States And Political Subdivisions 2 2 0.0%
Fair Value Inputs Level3 · Corporate Debt Securities 2 3 -33.3%
Fair Value Inputs Level3 · Fair Value Measurements Recurring 2 3 -33.3%
Show Financial Instrument breakouts
Commercial agency 5,829 4,090 +42.5%
Commercial agency · Fair Value Measurements Recurring 5,829 4,090 +42.5%
Commercial non-agency 82 82 0.0%
Commercial non-agency · Fair Value Measurements Recurring 82 82 0.0%
Corporate Debt Securities 441 658 -33.0%
Corporate Debt Securities · Fair Value Measurements Recurring 441 658 -33.0%
Residential agency 18,387 18,945 -2.9%
Residential agency · Fair Value Measurements Recurring 18,387 18,945 -2.9%
US Government Corporations And Agencies Securities 543 444 +22.3%
US Government Corporations And Agencies Securities · Fair Value Measurements Recurring 543 444 +22.3%
US States And Political Subdivisions 2 2 0.0%
US States And Political Subdivisions · Fair Value Measurements Recurring 2 2 0.0%
US Treasury Securities 2,276 2,003 +13.6%
US Treasury Securities · Fair Value Measurements Recurring 2,276 2,003 +13.6%
Show Consolidated Entities breakouts
Parent Company 19 20 -5.0%
Show Fair Value By Measurement Frequency breakouts
Fair Value Measurements Recurring 27,560 26,224 +5.1%
Show Pledged Status breakouts
Asset Pledged As Collateral 20.9 20.9 0.0%
Loans Receivable Held For Sale Net Not Part Of Disposal Group 511 594 -14.0%
Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss 95,637 96,727 -1.1%
Show Collateral breakouts
Collateral Dependent Member · Commercial Portfolio Segment 337 264 +27.7%
Collateral Dependent Member · Consumer Portfolio Segment 127 115 +10.4%
Collateral Dependent Member · Investor Real Estate 121 323 -62.5%
Show Financing Receivable Portfolio breakouts
Commercial Portfolio Segment 53,898 54,845 -1.7%
Consumer Portfolio Segment 32,633 33,172 -1.6%
Investor Real Estate 9,106 8,710 +4.5%
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts
Commercial And Industrial [Member] 48,790 49,671 -1.8%
Commercial Investor Real Estate Construction [Member] 1,934 2,143 -9.8%
Commercial Investor Real Estate Mortgage [Member] 7,172 6,567 +9.2%
Commercial Real Estate Construction - Owner-Occupied [Member] 263 333 -21.0%
Commercial Real Estate Mortgage - Owner-Occupied [Member] 4,845 4,841 +0.1%
Credit Card Receivables 1,519 1,445 +5.1%
Home Equity 3,232 3,150 +2.6%
Home Equity Loan 2,324 2,390 -2.8%
Other Consumer [Member] 5,793 6,093 -4.9%
Residential First Mortgage [Member] 19,765 20,094 -1.6%
Financing Receivable Allowance For Credit Loss Excluding Accrued Interest -1,556 -1,613 +3.5%
Show Financing Receivable Portfolio breakouts
Commercial Portfolio Segment -755 -743 -1.6%
Consumer Portfolio Segment -681 -630 -8.1%
Investor Real Estate -120 -240 +50.0%
Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss 94,081 95,114 -1.1%
Other Interest Earning Assets 1,703 1,616 +5.4%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level2 757 797 -5.0%
Show Fair Value By Measurement Basis breakouts
Carrying Reported Amount Fair Value Disclosure 757 797 -5.0%
Estimate Of Fair Value Fair Value Disclosure 757 797 -5.0%
Interest Receivable 571 572 -0.2%
Servicing Asset At Fair Value Amount 970 1,007 -3.7%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level3 · Commercial Real Estate 93 97 -4.1%
Fair Value Inputs Level3 · Residential Mortgage 970 1,007 -3.7%
Show Financial Instrument breakouts
Commercial Real Estate 93 97 -4.1%
Other Contract 113 117 -3.4%
Residential Mortgage 970 1,007 -3.7%
Residential Mortgage · Fair Value Measurements Recurring 970 1,007 -3.7%
Intangible Assets Net Excluding Goodwill 140 169 -17.2%
Other Assets 9,373 9,461 -0.9%
Show Consolidated Entities breakouts
Parent Company 336 274 +22.6%
Non-Current Liabilities
Long-Term Debt 4,134 5,993 -31.0%
Show Debt Instrument breakouts
Five point Five Zero Two Percent Senior Note due Septmeber Two Thousand Thirty Five · Parent Company 995 994 +0.1%
Five point Seven Two Two Percent Senior Note due June Two Thousand Thirty · Parent Company 747 746 +0.1%
One point Eight Percent Senior Notes Due August Two Thousand Twenty Eight · Parent Company 648 647 +0.2%
Seven Point Three Seven Five Percent Subordinated Notes Due December Two Thousand Thirty Seven · Parent Company 299 299 0.0%
Six Point Four Five Percent Subordinated Notes Due June Two Thousand Thirty Seven · Subsidiaries 497 496 +0.2%
Show Consolidated Entities breakouts
Parent Company 2,637 3,495 -24.5%
Parent Company · Valuation Adjustments On Hedged Long Term Debt -52 -91 +42.9%
Subsidiaries 1,497 2,498 -40.1%
Total Liabilities 139,711 139,392 +0.2%
Show Consolidated Entities breakouts
Parent Company 2,971 3,802 -21.9%
Other Liabilities
Noninterest Bearing Deposit Liabilities 39,530 39,138 +1.0%
Interest Bearing Deposit Liabilities 91,598 88,465 +3.5%
Deposits 131,128 127,603 +2.8%
Short Term Borrowings 750 500 +50.0%
Show Short Term Debt Type breakouts
Federal Home Loan Bank Advances 750 500 +50.0%
Debt And Capital Lease Obligations 4,884 6,493 -24.8%
Other Liabilities 3,699 5,296 -30.2%
Show Consolidated Entities breakouts
Parent Company 334 307 +8.8%
Stockholders' Equity
Preferred Stock Value Outstanding 1,369 1,715 -20.2%
Show Consolidated Entities breakouts
Parent Company 1,369 1,715 -20.2%
Show Statement Class Of Stock breakouts
Series C Preferred Stock 490 490 0.0%
Series E Preferred Stock 390 390 0.0%
Series F Preferred Stock 489 489 0.0%
Common Stock 9 9 0.0%
Show Consolidated Entities breakouts
Parent Company 9 9 0.0%
Additional Paid-In Capital 10,366 11,394 -9.0%
Show Consolidated Entities breakouts
Parent Company 10,366 11,394 -9.0%
Retained Earnings 10,205 9,060 +12.6%
Show Consolidated Entities breakouts
Parent Company 10,205 9,060 +12.6%
Treasury Stock Value -1,371 -1,371 0.0%
Show Consolidated Entities breakouts
Parent Company -1,371 -1,371 0.0%
Accumulated Other Comprehensive Income -1,535 -2,928 +47.6%
Show Consolidated Entities breakouts
Parent Company -1,535 -2,928 +47.6%
Total Stockholders' Equity 19,043 17,879 +6.5%
Show Equity Components breakouts
Accumulated Other Comprehensive Income -1,535 -2,928 +47.6%
Additional Paid In Capital 10,366 11,394 -9.0%
Common Stock 9 9 0.0%
Preferred Stock 1,369 1,715 -20.2%
Retained Earnings 10,205 9,060 +12.6%
Treasury Stock Common -1,371 -1,371 0.0%
Show Consolidated Entities breakouts
Parent Company 19,043 17,879 +6.5%
Minority Interest 60 31 +93.5%
Stockholders Equity Including Portion Attributable To Noncontrolling Interest 19,103 17,910 +6.7%
Show Equity Components breakouts
Noncontrolling Interest 60 31 +93.5%
Total Liabilities & Equity 158,814 157,302 +1.0%
Show Consolidated Entities breakouts
Parent Company 22,014 21,681 +1.5%

Cash Flow Statement

Cash Flow Statement
Metric YTD Q4 2025 YTD Q4 2024 YoY
Operating Activities
Depreciation Amortization And Accretion Net 22 21 +4.8%
Gain Loss On Sale Of Investments 0 30 -100.0%
Increase Decrease In Deferred Income Taxes -27 -12 -125.0%
Payments For Origination And Purchases Of Loans Held For Sale -1,419 -2,044 +30.6%
Proceeds From Sale Of Loans Held For Sale 1,389 1,950 -28.8%
Gain Loss On Sale Of Loans And Leases -40 -6 -566.7%
Increase Decrease In Deposit Other Assets -190 9 -2211.1%
Increase Decrease In Other Operating Assets -31 -1,163 +97.3%
Increase Decrease In Other Operating Liabilities -723 309 -334.0%
Increase Decrease In Other Operating Capital Net 51 32 +59.4%
Net Cash from Operations -319 -220 -45.0%
Investing Activities
Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities 185 74 +150.0%
Proceeds From Sale Of Available For Sale Securities Debt 94 1,176 -92.0%
Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities 710 869 -18.3%
Purchases of Investments -1,313 -1,538 +14.6%
Payments For Proceeds From Life Insurance Policies 1 2 -50.0%
Proceeds From Sale Of Loans Held For Investment 285 87 +227.6%
Payments To Acquire Loans And Leases Held For Investment -63 -112 +43.8%
Payments For Proceeds From Other Loans And Leases 277 19 +1357.9%
Payments To Acquire Mortgage Servicing Rights M S R -3 -9 +66.7%
Payments To Acquire Other Productive Assets 45 -70 +164.3%
Net Cash from Investing 218 498 -56.2%
Financing Activities
Increase Decrease In Deposits 794 1,227 -35.3%
Proceeds From Repayments Of Short Term Debt -550 -1,000 +45.0%
Repayments Of Long Term Debt -650 0 —
Payments Of Dividends Common Stock -235 -228 -3.1%
Payments Of Dividends Preferred Stock And Preference Stock -20 -26 +23.1%
Payments For Repurchase Of Redeemable Preferred Stock 0 0 —
Share Repurchases -430 -58 -641.4%
Tax Withholding for Share Compensation 0 -2 +100.0%
Net Cash from Financing -1,091 -87 -1154.0%
Other Cash Flow
Net Change in Cash -1,192 191 -724.1%
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents 10,907 10,712 +1.8%

Values in millions USD. Source: SEC EDGAR 10-K filing.

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