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Regions Financial 8-K Report, Financial Results (Jul 17, 2026)

Reports
Earnings & Results·Regulation FD·Exhibits & Filings
Filing Date
Filed July 17, 2026
Period End
July 17, 2026
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 · Dec ’24Dec ’24

01—Abstract

Summary

Summary of the 8-K filed July 17, 2026. Cited figures are marked; the original filing is the authoritative source.

Regions Financial Corporation reported second quarter 2026 net income of $570 milliona and net income available to common shareholders of $549 million, or diluted EPS of $0.64, compared with $559 million of net income and $0.62 diluted EPS in the first quarter of 2026.

On an adjusted basis, net income available to common shareholders was $583 millionb and adjusted diluted EPS was $0.68. The adjusted figures exclude a $40 million securities repositioning loss and a $5 million branch consolidation charge, among other items. Net interest margin was 3.66%, net charge-offs fell to 0.42% of average loans from 0.54% in the prior quarter, and CET1 was an estimated 10.7% (9.5% including AOCI).

Average loans grew 2.4% quarter over quarter, led by commercial and industrial lending, and the company reported a record quarter for wealth management income of $150 millionc. Management reiterated its full-year 2026 outlook: net interest income up 2.5% to 4%, adjusted non-interest income up 3% to 5% (expected toward the lower end), adjusted non-interest expense up 1.5% to 3.5%, net charge-offs of 40 to 50 basis points, and an effective tax rate of 20.5% to 21.5%. For the third quarter, the company expects net interest income to rise about 2% from the second quarter and net interest margin to be stable to modestly higher.

The Board declared a quarterly common dividend of $0.30d per share, a 13% increase over the prior quarter. The filing also notes the July 1, 2026 acquisition of The Frazer Lanier Company, which expands municipal finance and capital markets capabilities.

02—Key points

Key Highlights

  1. Second quarter 2026 net income of $570 million; net income available to common shareholders of $549 million and diluted EPS of $0.64, versus $0.62 in the first quarter of 2026.
  2. Adjusted diluted EPS of $0.68 (adjusted net income available to common shareholders of $583 million), excluding a $40 million securities repositioning loss and a $5 million branch consolidation charge among other items.
  3. Net interest margin of 3.66%, with net interest income of $1.28 billion, up 2.3% from the prior quarter, driven primarily by average loan growth.
  4. Credit quality improved: net charge-offs of $102 million, or 0.42% of average loans, down from 0.54%; allowance for credit losses ratio fell to 1.63% from 1.68%; non-performing loans fell to 0.67% of loans.
  5. Record quarter for wealth management income at $150 million; average loans rose 2.4% quarter over quarter, led by commercial and industrial lending.
  6. Capital: CET1 estimated at 10.7% (9.5% including AOCI); the Board declared a quarterly dividend of $0.30 per share, a 13% increase over the prior quarter.
  7. Full-year 2026 guidance: net interest income up 2.5% to 4%, adjusted non-interest expense up 1.5% to 3.5%, net charge-offs of 40 to 50 basis points.

03—Questions

Frequently Asked Questions

  1. How did Regions perform in the second quarter of 2026 compared with the first quarter?

    Net income rose to $570 million from $559 million, and net income available to common shareholders rose to $549 million from $539 million. Diluted EPS was $0.64 versus $0.62. Excluding certain items, adjusted diluted EPS was $0.68 versus $0.62 in the first quarter.

  2. What items were excluded from the adjusted results?

    The adjustments in the quarter included a $40 million securities (gains) losses, net item, which reflects a securities repositioning loss, and a $5 million branch consolidation, property and equipment charge. These adjustments are non-GAAP measures reconciled in the Financial Supplement (Exhibit 99.2).

  3. What is the company's outlook for the rest of 2026?

    For full-year 2026, Regions expects net interest income to grow 2.5% to 4%, adjusted non-interest income to grow 3% to 5% (toward the lower end), and adjusted non-interest expense to grow 1.5% to 3.5%. It expects net charge-offs of 40 to 50 basis points and an effective tax rate of 20.5% to 21.5%. For the third quarter, it expects net interest income to increase about 2% from the second quarter.

  4. How is credit quality trending?

    Credit metrics improved in the quarter. Net charge-offs fell to $102 million (0.42% of average loans) from $130 million (0.54%), the provision for credit losses was $68 million, and the allowance for credit losses declined $34 million to $1.61 billion. Business services criticized loans declined to 5.01% of business loans from 5.15%.

  5. What did the company announce regarding dividends and the recent acquisition?

    The Board declared a quarterly common stock dividend of $0.30 per share, a 13% increase over the prior quarter. The company also completed the acquisition of The Frazer Lanier Company on July 1, 2026, which it says expands its municipal finance and capital markets capabilities.

04—Continue

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