01—Abstract
Summary
Summary of the 10-K filed February 24, 2026. Cited figures are marked; the original filing is the authoritative source.
Regions Financial Corporation, a Birmingham, Alabama-based financial holding company, reported 2025 net income of $2.16 billiona, or $2.30 per diluted share on net income available to common shareholders of $2.06 billion, up from $1.93 per diluted share in 2024.
Net interest income rose to $4.99 billionb on a GAAP basis, and taxable-equivalent net interest margin improved to 3.61 percent from 3.54 percent, driven mainly by lower funding costs and securities reinvestment. Non-interest income increased to $2.54 billion, while non-interest expense rose modestly to $4.31 billion. Total assets were $158.8 billion, deposits $131.1 billion, and shareholders' equity $19.0 billion at December 31, 2025.
Credit quality improved over the year. Net charge-offs were $513 millionc, or 0.53 percent of average loans, compared with 0.47 percent in 2024, while the provision for credit losses was $470 million. Non-performing loans excluding held-for-sale fell to $698 million from $928 million, and the allowance equaled 1.76 percent of total loans.
Total loans declined $1.1 billion to $95.6 billiond. The company reported a CET1 ratio of 10.89 percent, with well-capitalized status for both Regions and Regions Bank, and its stress capital buffer is floored at 2.5 percent through the third quarter of 2027. Capital returns remained significant.
Common dividends declared totaled $916 million, and the company repurchased $1.07 billion of common stock in 2025. The Board authorized a new $3.0 billion repurchase program covering January 1, 2026 through December 31, 2027, and the company redeemed its Series D preferred stock for $350 million. Management highlighted ongoing risks including interest rate sensitivity, commercial real estate office exposure, trucking and commodity-related credits, cybersecurity, and evolving regulation.
02—Key points
Key Highlights
- Net income of $2.16 billion in 2025 versus $1.89 billion in 2024; diluted EPS of $2.30 versus $1.93.
- Net interest margin (taxable-equivalent) rose 7 basis points to 3.61 percent, with funding costs falling to 1.54 percent from 1.73 percent.
- Provision for credit losses of $470 million; net charge-offs of $513 million (0.53 percent of average loans) versus 0.47 percent in 2024.
- Non-performing loans (excluding held for sale) declined to $698 million from $928 million; allowance coverage of non-performing loans was 242 percent.
- Common equity Tier 1 ratio of 10.89 percent; Regions and Regions Bank both classified as well-capitalized at year-end 2025.
- Repurchased $1.07 billion of common stock in 2025 and authorized a new $3.0 billion buyback for 2026–2027; $916 million of common dividends declared.
- Deposits grew $3.5 billion to $131.1 billion, led by money market accounts, while total loans decreased $1.1 billion to $95.6 billion.
03—One dollar
04—Financials
Financial Highlights
Figures from 10-KFY2025filed February 24, 2026Financial Statements
FY2025 against FY2024
| Line item | FY2025FY2024 | Change |
|---|---|---|
| Operating Income | $53.00M$95.00M | −44.2% |
| Net Income | $2.16B$1.89B | +13.9% |
| EPS (Basic) | $2.31$1.94 | +19.1% |
| EPS (Diluted) | $2.30$1.93 | +19.2% |
| Shares Outstanding (Basic) | 892.00M916.00M | −2.6% |
| Shares Outstanding (Diluted) | 896.00M918.00M | −2.4% |
05—Questions
Frequently Asked Questions
How did Regions' profitability change in 2025?
Net income rose to $2.16 billion from $1.89 billion, and diluted EPS increased to $2.30 from $1.93. The gains were driven by higher net interest income, which reached $4.99 billion, and non-interest income of $2.54 billion, up from $2.27 billion, partly offset by non-interest expense of $4.31 billion.
Is Regions' credit quality improving or deteriorating?
Non-performing loans excluding held for sale fell to $698 million from $928 million, and commercial and investor real estate criticized balances decreased about $1.4 billion year over year. Net charge-offs did rise to $513 million from $458 million, mainly in commercial and investor real estate, and the allowance declined to $1.69 billion.
What are the main risks the filing highlights for investors?
The filing cites interest rate sensitivity, with a mostly neutral position, and the potential for a lower net interest income if rates move beyond the modeled scenarios. It also flags office property exposure of 1.1 percent of total loans, trucking and commodity-related borrowers, cybersecurity and AI-related risks, and the evolving regulatory environment, including proposed Basel III and long-term debt rules.
How much capital is Regions returning to shareholders?
In 2025 the company repurchased $1.07 billion of common stock and declared $916 million in common dividends and $91 million in preferred dividends. It also redeemed Series D preferred stock for $350 million. The Board approved up to $3.0 billion of share repurchases for January 1, 2026 through December 31, 2027, and the company repurchased 4.1 million shares for about $119 million from January 1 through February 23, 2026.
What is the outlook for the company's regulatory capital position?
Regions' CET1 ratio was 10.89 percent and its Tier 1 capital ratio was 11.99 percent at year-end 2025, both above minimum requirements plus the stress capital buffer. The Federal Reserve voted in February 2026 to keep SCB requirements at current levels through the third quarter of 2027, leaving the buffer floored at 2.5 percent.
06—Continue