Regions Financial Corporation · Earnings release · 8-K Exhibit 99

Regions Financial Corporation and Subsidiaries

Financial Supplement (unaudited)

Regions Financial Corporation and Subsidiaries

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

Table of Contents

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

Pre-Tax Pre-Provision Income ("PPI")* and Adjusted PPI*

Non-Interest Income, Service Charges on Deposit Accounts by Segment, Wealth Management Income, Capital Markets Income, and Mortgage Income

Non-Interest Expense and Salaries and Benefits Expense

Reconciliation of GAAP Financial Measures to non-GAAP Financial Measures*

Adjusted Efficiency Ratios, Adjusted Fee Income Ratios, Adjusted Non-Interest Income / Expense, Adjusted Operating Leverage Ratios, Adjusted Total Revenue, Adjusted Net Income Available to Common Shareholders, Adjusted Diluted EPS, Return Ratios, Tangible Common Ratios, and Common Equity Tier 1 (CET1) Ratios

Asset Quality

Allowance for Credit Losses, Net Charge-Offs and Related Ratios

Non-Performing Loans (excludes loans held for sale), Early and Late Stage Delinquencies

Forward-Looking Statements

*Use of non-GAAP financial measures

Regions believes that the presentation of non-GAAP financial measures provides a meaningful basis for period-to-period comparisons, which management believes will assist investors in assessing the performance of the Company on the same basis as that applied by management. Non-GAAP financial measures have inherent limitations, are not required to be uniformly applied and are not audited. Although non-GAAP financial measures are frequently used by stakeholders in the evaluation of a company, they have limitations as analytical tools, and should not be considered in isolation, or as a substitute for analyses of results as reported under GAAP. In particular, a measure of earnings that excludes certain adjustments does not represent the amount that effectively accrues directly to shareholders.

Additionally, our non-GAAP financial measures may not be comparable to similar non-GAAP financial measures used by other companies and there is no certainty that we will not incur expenses in the future that are similar to those excluded in the calculations on non-GAAP financial measures presented herein.

Regions Financial Corporation and Subsidiaries

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

Financial Highlights

Quarter Ended

($ amounts in millions, except per share data)

Earnings Summary

Interest income - taxable equivalent

$

$

$

$

$

Interest expense - taxable equivalent

Net interest income - taxable equivalent

Less: Taxable-equivalent adjustment

Net interest income

Provision for credit losses

Net interest income after provision for credit losses

Non-interest income

Non-interest expense

Income before income taxes

Income tax expense

Net income

$

$

$

$

$

Net income available to common shareholders

$

$

$

$

$

Adjusted net income available to common shareholders (non-GAAP) (1)

$

$

$

$

$

Weighted-average shares outstanding—during quarter:

Basic

Diluted

Basic earnings per common share

$

$

$

$

$

Diluted earnings per common share

$

$

$

$

$

Adjusted diluted earnings per common share (non-GAAP) (1)

$

$

$

$

$

Balance Sheet Summary

At quarter-end

Loans, net of unearned income

$

$

$

$

$

Allowance for credit losses

)

)

)

)

)

Assets

Deposits

Long-term borrowings

Shareholders' equity

Average balances

Loans, net of unearned income

$

$

$

$

$

Assets

Deposits

Long-term borrowings

Shareholders' equity

_____

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

1

Regions Financial Corporation and Subsidiaries

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

Selected Ratios and Other Information

As of and for Quarter Ended

Return on average assets* (1)

%

%

%

%

%

Return on average common shareholders' equity*

%

%

%

%

%

Return on average tangible common shareholders’ equity (non-GAAP)* (2)

%

%

%

%

%

Adjusted return on average tangible common shareholders' equity (non-GAAP) *(2)

%

%

%

%

%

Efficiency ratio

%

%

%

%

%

Adjusted efficiency ratio (non-GAAP) (2)

%

%

%

%

%

Dividend payout ratio (3)

%

%

%

%

%

Common book value per share

$

$

$

$

$

Tangible common book value per share (non-GAAP) (2)

$

$

$

$

$

Total shareholders' equity to total assets

%

%

%

%

%

Tangible common shareholders’ equity to tangible assets (non-GAAP) (2)

%

%

%

%

%

Common equity Tier 1 (4)

$

$

$

$

$

Total risk-weighted assets (4)

$

$

$

$

$

Common equity Tier 1 ratio (4)

%

%

%

%

%

Common equity Tier 1 ratio (inclusive of AOCI) (non-GAAP) (2)(4)

%

%

%

%

%

Tier 1 capital ratio (4)

%

%

%

%

%

Total risk-based capital ratio (4)

%

%

%

%

%

Leverage ratio (4)

%

%

%

%

%

Effective tax rate

%

%

%

%

%

Allowance for credit losses as a percentage of loans, net of unearned income

%

%

%

%

%

Allowance for credit losses to non-performing loans, excluding loans held for sale

%

%

%

%

%

Net interest margin (FTE)*

%

%

%

%

%

Loans, net of unearned income, to total deposits

%

%

%

%

%

Net charge-offs as a percentage of average loans*

%

%

%

%

%

Non-performing loans, excluding loans held for sale, as a percentage of loans

%

%

%

%

%

Non-performing assets (excluding loans 90 days past due) as a percentage of loans, foreclosed properties, and non-performing loans held for sale

%

%

%

%

%

Non-performing assets (including loans 90 days past due) as a percentage of loans, foreclosed properties, and non-performing loans held for sale (5)

%

%

%

%

%

Associate headcount—full-time equivalent

ATMs

Branch Statistics

Full service

Drive-through/transaction service only

Total branch outlets

Year Ended December 31

Return on average assets (1)

%

%

Return on average common shareholders' equity

%

%

Return on average tangible common shareholders’ equity (non-GAAP) (2)

%

%

Adjusted return on average tangible common shareholders' equity (non-GAAP) (2)

%

%

Efficiency ratio

%

%

Adjusted efficiency ratio (non-GAAP) (2)

%

%

Dividend payout ratio (3)

%

%

Effective tax rate

%

%

Net interest margin (FTE)

%

%

Net charge-offs as a percentage of average loans

%

%

*Annualized

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

(2)See reconciliation of these non-GAAP measures to the most directly comparable GAAP measures on pages 13, 17, 19, and 21.

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

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

(5)Excludes guaranteed residential first mortgages that are 90+ days past due and still accruing. Refer to the footnotes on page 24 for amounts related to these loans.

2

Regions Financial Corporation and Subsidiaries

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

Consolidated Balance Sheets

As of

($ amounts in millions)

Assets:

Cash and due from banks

$

$

$

$

$

Interest-bearing deposits in other banks

Debt securities held to maturity

Debt securities available for sale

Loans held for sale

Loans, net of unearned income

Allowance for loan losses

Net loans

Other earning assets

Premises and equipment, net

Interest receivable

Goodwill

Residential mortgage servicing rights at fair value (MSRs)

Other identifiable intangible assets, net

Other assets

Total assets

$

$

$

$

$

Liabilities and Equity:

Deposits:

Non-interest-bearing

$

$

$

$

$

Interest-bearing

Total deposits

Borrowed funds:

Short-term borrowings

—

—

Long-term borrowings

Other liabilities

Total liabilities

Equity:

Preferred stock, non-cumulative perpetual

Common stock

9

9

9

9

9

Additional paid-in capital

Retained earnings

Treasury stock, at cost

Accumulated other comprehensive income (loss), net

Total shareholders’ equity

Noncontrolling interest

Total equity

Total liabilities and equity

$

$

$

$

$

3

Regions Financial Corporation and Subsidiaries

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

End of Period Loans

As of

($ amounts in millions)

Commercial and industrial

$

$

$

$

$

$

%

$

%

Commercial real estate mortgage—owner-occupied

%

4

%

Commercial real estate construction—owner-occupied

%

%

Total commercial

%

%

Commercial investor real estate mortgage

%

%

Commercial investor real estate construction

%

%

Total investor real estate

%

%

Total business

%

%

Residential first mortgage

%

%

Home equity—lines of credit (1)

%

%

Home equity—closed-end (2)

%

%

Consumer credit card

%

%

Other consumer (3)(4)

%

%

Total consumer

%

%

Total Loans

$

$

$

$

$

$

%

$

%

______

(1) The balance of Regions' home equity lines of credit consists of $1,410 million of first lien and $1,822 million of second lien at 12/31/2025.

(2) The balance of Regions' closed-end home equity loans consists of $1,751 million of first lien and $573 million of second lien at 12/31/2025.

(3) Starting in 2025, other consumer loans also includes exit portfolios, which were previously presented separately.

(4) Other consumer loans also include Regions' Home Improvement Financing portfolio balances of $4.9 billion at 12/31/2025, $5.0 billion at 9/30/2025, $5.0 billion at 6/30/2025, $5.1 billion at 3/31/2025 and $5.2 billion at 12/31/2024.

As of

End of Period Loans by Percentage(1)

Commercial and industrial

%

%

%

%

%

Commercial real estate mortgage—owner-occupied

%

%

%

%

%

Commercial real estate construction—owner-occupied

%

%

%

%

%

Total commercial

%

%

%

%

%

Commercial investor real estate mortgage

%

%

%

%

%

Commercial investor real estate construction

%

%

%

%

%

Total investor real estate

%

%

%

%

%

Total business

%

%

%

%

%

Residential first mortgage

%

%

%

%

%

Home equity—lines of credit

%

%

%

%

%

Home equity—closed-end

%

%

%

%

%

Consumer credit card

%

%

%

%

%

Other consumer

%

%

%

%

%

Total consumer

%

%

%

%

%

Total Loans

%

%

%

%

%

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

4

Regions Financial Corporation and Subsidiaries

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

Average Balances of Loans

Average Balances

($ amounts in millions)

Commercial and industrial

$

$

$

$

$

$

%

$

%

Commercial real estate mortgage—owner-occupied

6

%

(3)

%

Commercial real estate construction—owner-occupied

%

%

Total commercial

%

%

Commercial investor real estate mortgage

%

%

Commercial investor real estate construction

%

%

Total investor real estate

%

%

Total business

%

%

Residential first mortgage

%

%

Home equity—lines of credit

%

%

Home equity—closed-end

%

%

Consumer credit card

%

%

Other consumer (1)(2)

%

%

Total consumer

%

%

Total Loans

$

$

$

$

$

$

%

$

%

Average Balances

Twelve Months Ended December 31

($ amounts in millions)

Commercial and industrial

$

$

$

%

Commercial real estate mortgage—owner-occupied

%

Commercial real estate construction—owner-occupied

%

Total commercial

%

Commercial investor real estate mortgage

%

Commercial investor real estate construction

%

Total investor real estate

%

Total business

%

Residential first mortgage

%

Home equity—lines of credit

%

Home equity—closed-end

%

Consumer credit card

%

Other consumer (1)(2)

%

Total consumer

%

Total Loans

$

$

$

%

_____

(1)Starting in 2025, other consumer loans also includes exit portfolios, which were previously presented separately.

(2) Other consumer loans also include Regions' Home Improvement Financing portfolio balances of $4.9 billion at 12/31/2025, $5.0 billion at 9/30/2025, $5.1 billion at 6/30/2025, $5.1 billion at 3/31/2025 and $5.2 billion at 12/31/2024 (on a quarter-to-date basis); and balances of $5.0 billion at 12/31/2025 and $5.2 billion at 12/31/2024 (on a year-to-date basis).

5

Regions Financial Corporation and Subsidiaries

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

End of Period Deposits

As of

($ amounts in millions)

Non-interest-bearing deposits

$

$

$

$

$

$

$

Interest-bearing checking

Savings

Money market—domestic

Time deposits

Total Deposits

$

$

$

$

$

$

$

As of

($ amounts in millions)

Consumer Bank Segment

$

$

$

$

$

$

$

Corporate Bank Segment

Wealth Management Segment

Other (1)

Total Deposits

$

$

$

$

$

$

$

As of

($ amounts in millions)

Wealth Management - Private Wealth

$

$

$

$

$

$

$

Wealth Management - Institutional Services

Total Wealth Management Segment Deposits

$

$

$

$

$

$

$

As of

End of Period Deposits by Percentage

Non-interest-bearing deposits

%

%

%

%

%

Interest-bearing checking

%

%

%

%

%

Savings

%

%

%

%

%

Money market—domestic

%

%

%

%

%

Time deposits

%

%

%

%

%

Total Deposits

%

%

%

%

%

(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 $1.3 billion at 12/31/2025, $1.8 billion at 9/30/2025, $2.8 billion at 6/30/2025, $2.2 billion at 3/31/2025 and $2.2 billion at 12/31/2024.

6

Regions Financial Corporation and Subsidiaries

Financial Supplement (unaudited) to Fourth Quarter 2025 Earnings Release

Average Balances of Deposits

Average Balances

($ amounts in millions)

Non-interest-bearing deposits

$

$

$

$

$

$

%

$

%

Interest-bearing checking

%

%

Savings

%

%

Money market—domestic

%

%

Time deposits

%

%