How did Regions perform in the third quarter of 2025?

Regions reported net income of $569 million and net income available to common shareholders of $548 million, or $0.61 per diluted share. On an adjusted basis, net income available to common shareholders was $561 million and adjusted diluted EPS was $0.63.

What drove revenue and expense changes this quarter?

Total revenue rose 0.6 percent sequentially to $1.916 billion, driven by higher capital markets and wealth management income. Non-interest expense rose 2.8 percent sequentially to $1.103 billion, mainly from salaries and benefits, which increased 2 percent due to an additional work day, higher incentive compensation and growth-initiative hires.

How are credit quality trends developing?

Business services criticized loans fell almost $1 billion, or 20 percent, and non-performing loans declined 2 percent to 79 basis points of total loans. Net charge-offs increased to $135 million, or 0.55 percent of average loans, and the allowance for credit losses decreased $30 million to $1.71 billion.

What did the company say about capital returns and capital position?

Regions repurchased about 10 million shares for $251 million and declared $235 million in dividends to common shareholders. The common equity Tier 1 ratio was an estimated 10.8 percent, and the company said it expects to manage adjusted CET1 inclusive of AOCI around the midpoint of its 9.25 to 9.75 percent operating range.

RF 8-K: Earnings & Results & Regulation FD

01—Abstract

Summary

Summary of the 8-K filed October 17, 2025. Cited figures are marked; the original filing is the authoritative source.

Regions Financial Corporation (NYSE: RF) reported third quarter 2025 net income of $569 million^a and net income available to common shareholders of $548 million, or diluted EPS of $0.61.

Adjusted net income available to common shareholders was $561 million^b, up 8 percent year-over-year, and adjusted diluted EPS was $0.63, up 11 percent. Total revenue was $1.9 billion, up 7 percent year-over-year on a reported basis. The results were furnished under Items 2.02 and 7.01 through a press release (Exhibit 99.1), a financial supplement (Exhibit 99.2) and a visual presentation (Exhibit 99.3) for the earnings webcast.

Net interest income was stable quarter-over-quarter at $1.26 billion^c, and net interest margin declined 6 basis points to 3.59 percent. Non-interest income rose to $659 million, led by a record capital markets performance excluding customer derivative valuation adjustments and a third consecutive record quarter in wealth management income. Non-interest expense was $1.10 billion, up 3 percent sequentially, and the efficiency ratio was 57.2 percent on a reported basis and 56.9 percent on an adjusted basis.

Credit quality metrics improved in several areas. Business services criticized loans fell almost $1 billion^d, or 20 percent, and non-performing loans declined 2 percent.

However, net charge-offs rose to $135 million, or 0.55 percent of average loans, and the allowance for credit losses was $1.71 billion, or 1.78 percent of loans. Capital remained solid, with a common equity Tier 1 ratio of 10.8 percent, and the company repurchased about 10 million shares for $251 million while declaring $235 million in common dividends.

02—Key points

Key Highlights

Third quarter net income available to common shareholders of $548 million and diluted EPS of $0.61; adjusted diluted EPS of $0.63, up 11 percent year-over-year.
Total revenue of $1.9 billion, up 7 percent year-over-year; net interest margin of 3.59 percent, down 6 basis points quarter-over-quarter.
Record capital markets income excluding customer derivative valuation adjustments and a third consecutive record quarter in wealth management income.
Business services criticized loans decreased about $1 billion, or 20 percent, while non-performing loans declined 2 percent; net charge-offs rose to 0.55 percent of average loans.
Common equity Tier 1 ratio of 10.8 percent; tangible common book value per share of $13.49, up 10 percent year-over-year.
Repurchased approximately 10 million shares for $251 million and declared $235 million in common dividends during the quarter.
Total available liquidity of approximately $69 billion, sufficient to cover uninsured deposits at a ratio of about 181 percent.

03—Questions

Frequently Asked Questions

How did Regions perform in the third quarter of 2025?
Regions reported net income of $569 million and net income available to common shareholders of $548 million, or $0.61 per diluted share. On an adjusted basis, net income available to common shareholders was $561 million and adjusted diluted EPS was $0.63.
What drove revenue and expense changes this quarter?
Total revenue rose 0.6 percent sequentially to $1.916 billion, driven by higher capital markets and wealth management income. Non-interest expense rose 2.8 percent sequentially to $1.103 billion, mainly from salaries and benefits, which increased 2 percent due to an additional work day, higher incentive compensation and growth-initiative hires.
How are credit quality trends developing?
Business services criticized loans fell almost $1 billion, or 20 percent, and non-performing loans declined 2 percent to 79 basis points of total loans. Net charge-offs increased to $135 million, or 0.55 percent of average loans, and the allowance for credit losses decreased $30 million to $1.71 billion.
What did the company say about capital returns and capital position?
Regions repurchased about 10 million shares for $251 million and declared $235 million in dividends to common shareholders. The common equity Tier 1 ratio was an estimated 10.8 percent, and the company said it expects to manage adjusted CET1 inclusive of AOCI around the midpoint of its 9.25 to 9.75 percent operating range.

04—Continue

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