Regions Financial Corp

F:RN7

Strong quarter: Regions reported earnings of $549 million, or $0.64 per share, with adjusted earnings of $583 million, or $0.68 per share, and adjusted return on tangible common equity of 20%.

Loan growth: Average loans rose approximately 2% in the quarter and management said pipelines remain strong, with full-year average loan growth still expected to be up low single digits versus 2025.

Margin outlook: Net interest margin was 3.66% and management expects it to exit the year at approximately 3.7%, supported by repricing and disciplined deposit pricing.

Credit improved: Net charge-offs fell to 42 basis points, criticized and nonperforming loans declined, and management said credit has largely normalized.

Fees and costs: Fee income grew, led by another record quarter in wealth management, but the company now expects full-year noninterest income growth toward the lower end of its 3% to 5% range.

Capital returns: The board raised the quarterly common dividend to $0.30 per share, a 13% increase, and management expects share buybacks to pick up in the third quarter.

Strategic progress: Regions highlighted its new commercial lending platform, core deposit transformation, strong digital rankings, and the announced Frazer Lanier acquisition to deepen capital markets capabilities.