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Regions Financial 8-K Report, Regulation FD Disclosure (Aug 7, 2026)

Reports
Regulation FD·Exhibits & Filings
Filing Date
Filed August 7, 2026
Period End
August 7, 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 August 7, 2026. Cited figures are marked; the original filing is the authoritative source.

Regions Financial Corporation filed this Form 8-K on August 7, 2026 under Item 7.01 (Regulation FD Disclosure) to furnish investor presentation materials (Exhibit 99.1) that executives will use at institutional investor meetings and events during August and September 2026.

The information is furnished, not filed, for purposes of Section 18 of the Exchange Act. The presentation materials report second-quarter 2026 results: reported net income available to common shareholders of $549 milliona and diluted EPS of $0.64, or $583 million and $0.68 on an adjusted basis. Reported total revenue was $1,907 million, non-interest expense was $1,121 million, and the efficiency ratio was 58.3%.

Net interest income was $1,277 millionb with a net interest margin of 3.66%. The company updated its 2026 outlook, expecting full-year net interest income to grow between 2.5% and 4%, adjusted non-interest income to grow 3% to 5% (toward the lower end), and adjusted non-interest expense to rise 1.5% to 3.5%. It also expects net charge-offs of 40 to 50 basis points of average loans.

Credit and capital metrics were stable. Net charge-offs were 0.42%c of average loans, nonperforming loans were 0.67% of loans, and the allowance for credit losses was 1.63% of loans.

The CET1 ratio inclusive of AOCI was 9.5%d, within a stated operating range of 9.25% to 9.75%. The company also noted the July 1, 2026 acquisition of The Frazer Lanier Company.

02—Key points

Key Highlights

  1. Q2 2026 net income available to common shareholders was $549 million ($583 million adjusted); diluted EPS was $0.64 ($0.68 adjusted).
  2. Q2 2026 net interest income was $1,277 million, with net interest margin of 3.66%, down 1 basis point quarter over quarter.
  3. Full-year 2026 guidance: net interest income up 2.5% to 4%; adjusted non-interest income up 3% to 5%; adjusted non-interest expense up 1.5% to 3.5%.
  4. Net charge-offs were 0.42% of average loans in Q2 2026, and the allowance for credit losses was 1.63% of loans; full-year 2026 net charge-offs are expected at 40 to 50 basis points.
  5. CET1 ratio inclusive of AOCI was 9.5% at quarter end, with management targeting the midpoint of a 9.25% to 9.75% operating range.
  6. Company highlights a deposit cost advantage, with an interest-bearing deposit beta of 37% cycle-to-date and an effective return on average tangible common equity of 19.01% in Q2 2026.
  7. Closed the July 1, 2026 acquisition of The Frazer Lanier Company to expand capital markets capabilities.

03—Questions

Frequently Asked Questions

  1. Why did Regions file this 8-K?

    The company filed under Item 7.01 to furnish Exhibit 99.1, the presentation materials executives will use with institutional investors at meetings and events in August and September 2026. The materials are furnished rather than filed under Section 18 of the Exchange Act.

  2. What is Regions' updated 2026 earnings outlook?

    Management expects full-year 2026 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 rise 1.5% to 3.5%. It expects 3Q26 net interest income to increase about 2% versus 2Q26 and net interest margin to exit the year at approximately 3.70%.

  3. How did credit quality trend in the second quarter of 2026?

    Net charge-offs decreased to 0.42% of average loans, down from 0.47% in 2Q25 and 0.54% in 1Q26 as reported in the presentation. Nonperforming loans fell to 0.67% of loans and the allowance for credit losses declined to 1.63% of loans. Full-year 2026 net charge-offs are expected at 40 to 50 basis points.

  4. What capital position and capital planning does management describe?

    The CET1 ratio inclusive of AOCI was an estimated 9.5% at June 30, 2026. Management expects to manage around the midpoint of its 9.25% to 9.75% operating range and reported a dividend increase to $0.30 per share. The company also notes that the proposed Basel III Endgame rules would include AOCI in regulatory capital.

04—Continue

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