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Regions Financial 8-K Report, Regulation FD Disclosure (Aug 19, 2025)

Reports
Regulation FD·Exhibits & Filings
Filing Date
Filed August 19, 2025
Period End
August 19, 2025
In the record · 2016–202610-K1210-Q328-K207

RF filed 12 annual reports (10-K), 32 quarterly reports (10-Q) and 207 current reports (8-K) between 2016 and 2026.

  1. Material agreement8-K · Aug ’18Aug ’18
  2. Leadership change8-K · Jun ’22Jun ’22
  3. Leadership change8-K · Aug ’26Aug ’26

01—Abstract

Summary

Summary of the 8-K filed August 19, 2025. Cited figures are marked; the original filing is the authoritative source.

Regions Financial Corporation filed this Form 8-K on August 19, 2025 under Item 7.01 (Regulation FD Disclosure) to furnish investor presentation materials that executives will use with institutional investors at meetings during August and September 2025.

The filing itself contains no new financial results; the substance is in Exhibit 99.1, the presentation, which the filing says is furnished and not deemed filed under Section 18 of the Exchange Act. The presentation highlights second-quarter 2025 results: net income available to common shareholders of $534 milliona, diluted EPS of $0.59 ($0.60 adjusted), pre-tax pre-provision income of $832 million, an efficiency ratio of 56.0%, and a reported return on average tangible common equity of 19.34%. Management reiterated 2025 guidance calling for net interest income up 3% to 5% versus 2024, adjusted non-interest income up 2.5% to 3.5%, and adjusted non-interest expense up 1% to 2%.

The company also expects a net interest margin in the low-to-mid 3.60%b range in 2H25 and net charge-offs of 40 to 50 basis points, toward the upper end. The presentation stresses deposit franchise strength, with interest-bearing deposit costs among the lowest in its peer group, and a 2Q25 interest-bearing deposit beta of 35%.

It also addresses capital: adjusted CET1 inclusive of AOCI was an estimated 9.3% at June 30, 2025, and management expects to manage it toward the lower end of its 9.25% to 9.75% operating range. Credit metrics were improving, with non-performing loans of $776 millionc and an ACL ratio of 1.80%.

02—Key points

Key Highlights

  1. 2Q25 net income available to common shareholders of $534 million; diluted EPS of $0.59 reported and $0.60 adjusted.
  2. Pre-tax pre-provision income of $832 million; efficiency ratio of 56.0%; return on average tangible common equity of 19.34%.
  3. 2025 guidance: net interest income up 3% to 5% vs. 2024 ($4,818 million); adjusted non-interest income up 2.5% to 3.5%; adjusted non-interest expense up 1% to 2%.
  4. NIM expected in the low-to-mid 3.60% range in 2H25; 2Q25 NIM was 3.65%, with the interest-bearing deposit beta at 35% quarter-to-date.
  5. Adjusted CET1 inclusive of AOCI estimated at 9.3% at 6/30/2025, with a near-term target toward the lower end of a 9.25% to 9.75% operating range.
  6. Net charge-offs of 0.47% for 2Q25; NPLs declined to $776 million; ACL ratio of 1.80%; 2025 NCOs expected near the upper end of the 40 to 50 bps range.
  7. Deposit cost advantage: interest-bearing deposit costs cited among the lowest of peers, with $130.9 billion in average deposits in 2Q25.

03—Questions

Frequently Asked Questions

  1. What is the purpose of this 8-K filing?

    The filing furnishes under Item 7.01 (Regulation FD Disclosure) the presentation materials, attached as Exhibit 99.1, that Regions executives will use with institutional investors at meetings during August and September 2025. The information is furnished and not deemed filed under Section 18 of the Exchange Act.

  2. What were Regions' key second-quarter 2025 earnings figures?

    The presentation reports net income available to common shareholders of $534 million, diluted EPS of $0.59 ($0.60 adjusted), total revenue of $1,905 million, non-interest expense of $1,073 million, and pre-tax pre-provision income of $832 million.

  3. What is management's 2025 outlook?

    Management expects net interest income to rise 3% to 5% versus 2024, adjusted non-interest income to grow 2.5% to 3.5%, and adjusted non-interest expense to increase 1% to 2%, including investments. It also expects an effective tax rate of 20% to 21%.

  4. How is Regions positioned on capital and credit?

    Adjusted CET1 inclusive of AOCI was an estimated 9.3% at June 30, 2025, and management plans to manage toward the lower end of its 9.25% to 9.75% operating range. Net charge-offs were 0.47% in 2Q25, non-performing loans were $776 million, and the ACL ratio was 1.80%.

  5. What drives Regions' deposit and margin outlook?

    The company cites low-cost deposits, with an interest-bearing deposit beta of 35% quarter-to-date, and fixed-rate asset turnover as the main NII drivers. Management expects NIM in the low-to-mid 3.60% range in 2H25.

04—Continue

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