Regions Financial : First Quarter 2026 Quarterly Investors Information

Published: 2026-05-11 19:30:16 ET RF

Published on 05/11/2026 at 07:30 pm EDT

Exhibit 99.1

May - June

Internal Use

Table of Contents

Topic

Page #

Profile and Strategy

3-12

Asset / Liability Management

13-25

Fees & Expenses

26-33

Business Segment Highlights

34-41

Loans & Deposits

42-53

Capital, Debt & Liquidity

54-59

Investments in Tech, Digital, & Ops

60-63

Credit

64-70

Near-Term Expectations

Appendix & Forward Looking Statements

72-84

Longstanding Strategic Priorities

Soundness

Relentless focus on:

Client selectivity

Credit Risk Management

Interest Rate Risk Management

Capital and Liquidity Management

Operational & Compliance Risk Management

Profitability

Committed to:

Diversified Revenue Streams

Appropriate Risk Adjusted Returns

Disciplined Expense Management

Growth

Strategically Investing in:

Above median organic loan & deposit growth over the last 5 yrs vs. peers(1)

Opportunities to leverage superior growth of the core footprint: 3.5% projected population growth(2)

Non-bank M&A, expanding products and capabilities

Talent, technology, products & services, driving organic growth

Generating Consistent Sustainable Long-term Performance

Source: S&P Cap IQ and SEC Reporting. Avg loan and deposit balance changes from FY20 to FY25. Peer balances have been adjusted for bank merger & acquisition activity: CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION. Peer median excludes RF. (2) Source: S&P Cap IQ.

Attractive Footprint and Strong Brand Presence

Home field advantage in the southeast

Winning in Core Markets

Building trust & serving clients for over 170 years

Strong Profitability/Returns Supported by:

☑ Low Cost Core Deposits ☑ Strong Brand

☑ Loyal Customer Base ☑ Employer / Bank of Choice

11 of 15

Strong Growth Profile

Unemployment rates in 11 of our 15 state footprint remain at or below the national average(2) (including 6/8 of our top deposit states)

3.5%

Regions' deposit weighted population growth by MSA for 2026-2031 is 3.5% vs. national average of 2.6%(1)

16 of 25

16 of Regions' top 25(1) MSAs are projected to grow faster than the

U.S. national average

Regions HQ

Retail Branch Footprint Specialized Lending Nationwide

19th Ranked 19th in the U.S. in total deposits(1)

~70% Top 5 market share in ~70% of MSAs across 15-state footprint(1)

~90% ~90% of deposits reside in top 8 states by deposits

~$5,400 Average consumer NIB account balance(3)

Source: S&P Cap IQ. Top 25 market share as defined by deposit dollars - FDIC as of 6/30/2025; pro-forma for announced M&A transactions as of 4/21/2026. Top 5 share based on MSA and non-MSA counties. S&P's 4

demographic data is provided by Claritas based primarily on 2024 U.S. Census data. (2) Source: U.S. Bureau of Labor Statistics. (3) Based on 1Q26 average balances.

Building on Our Success

Strategic investments in priority markets driving deposit expansion

Continuing to Invest in Priority Markets(2)

Building on success with incremental investments supporting growth while maintaining advantage in core businesses and markets.

Proven Track Record of Success...

$14.6B

Deposit Growth in Priority Markets(1) since 2019

7 of 8

Priority Markets(1) Gaining Share since 2019

58% vs. 41%

Regions Deposit Growth(1) since '19 Outpacing Market

Priority Markets

Deposits(4) Mkt Share Rank

9.7%

8.4%

2.6%

1.7%

4.2%

0.7%

22.3%

0.7%

$9.6

$7.5

$6.3

$5.7

$2.9

$2.8

$2.7

$2.4

5.7%

6.7%

4.2%

5.7%

8.3%

7.3%

7.9%

7.3%

Nashville Tampa Atlanta Miami/SFL Orlando Dallas/FW Huntsville Houston

Nat'l avg: 2.6%

Priority Markets '26-'31 Projected Population Growth(3)

Regions Footprint

2.58%

Deposit Opportunity (RF $40B)(2)

3.53%

Priority Market Growth Opportunities(1)

'26-'31 Population Growth(3)

6.21%

$1.6T

Maximizing Growth Opportunities

(1) Priority markets include: Tampa, Orlando, Miami/SFL, Houston, Dallas/FW, Nashville, Atlanta, and Huntsville. (2) RF deposits in Priority Markets as of June 2025. Data Source: FDIC Deposit Data. (3) Source: S&P Capital 5

IQ. S&P's demographic data is provided by Claritas based primarily on 2024 U.S. Census data. All S&P Cap IQ data pulls as of 2/4/2026. (4) $ in billions.

Investing in People and Technology

Expanding talent and capabilities in markets with greatest opportunity

Investing in Banker Expansion

3-Year Associate Impact

Hiring ~170 incremental bankers across Middle Market, Small Business, TM, Mortgage, and Wealth

Adding ~100 revenue-enablement roles to support banker

Investments in Technology

productivity

☑ CashFlowIQ

Personalization Powered by AI

☑ RegionsClientIQ

•

Provides bill payment, accounts payable and receivable, and invoice generation - streamlining all the tools needed to run a business

•

☑ SmallBusinessIQ

Identifies personalized solutions for small business owners

A machine-learning data product for Commercial and Treasury Management RMs to prioritize client opportunities, plan quality conversations,and flag early credit and client attrition risk

☑ Mortgage Analytics Pro

Insights for mortgage lending officers

Reskilling and reallocating ~600 retail bankers toward small business and mass affluent customers, primarily across high-growth markets

~ 80%

Overall Initiative: ~80% Complete(1)

Early Results...

Modernizing the Customer Experience

Of new relationship originations attributable to priority markets

Driven by investments in Commercial and Treasury Management talent

Branch banker productivity improvement

Enabled by ~600 retail banker reskilling and reallocation

Increase in branch referrals

to Ascentium and Regions Investment Services (RegIS)

☑ New Native Mobile App

Small Business Digital Origination Platform

Deposits Summer 2026

Lending 2H26

Commercial Loan System

Integration Summer 2026

Deposit System

☑Core installed/tested, ancillary systems integrated

Comprehensive testing and piloting 2026

Customer Migration 2027

General Ledger

All Time High in Small Business Customer Satisfaction

As of 3/31/2026. Progress includes ~43% completion of incremental banker and revenue-enablement hires, with retail banker reskilling and reallocations largely complete. (2) FY25 vs FY24. 6

Regions Honored for Extraordinary Excellence in 2025

In 2026, Regions Bank was again named a Gallup Exceptional Workplace Award Winner for Engagement for the 12th consecutive year.

Regions Bank was ranked 1st among regional banks in JD Powers Online Banking Satisfaction StudySM

Regions recognized as a gold winner of the 2025 Datos Impact Award for best innovation in product development.

Regions is proud to be rated No. 1 in customer satisfaction among traditional banks by the American Customer Satisfaction Index

Regions ranked #1 in America's Best Customer Service 2025 and is the most highly rated commercial bank by Newsweek.

For the second consecutive year, in 2025, Regions Bank has earned the No. 2 spot on American Banker's 'Top 20 Banks by Reputation' list.

Regions Investment Management recognized for the fifth consecutive year as a top workplace for its strong culture, employee engagement, and supportive programs.

In 2025, for the eighth consecutive year, Fannie Mae has recognized Regions Mortgage for excellence in loan servicing

For the fifth consecutive year, Regions Bank was named a 2025 Best Place to Work for Disability Inclusion by the Disability Equality Index

For the fifth consecutive year, Regions Bank was recognized as a 2025 Silver Status Military Friendly and Military Spouse Friendly Employer

Regions Wealth Management's Global Private Banking awards underscore its client-first, planning-led approach and excellence in trust and wealth planning.

Regions' Consistent Outperformance

Sustained advantage in risk efficiency

Regions' earnings, including credit costs, have been top quartile vs peers since 2019

Adjusted PPI(1) Less Net Charge-offs to RWA(2)

2.31%

2.19%

2.18%

2.09%

1.97%

1.99%

1.95%

1.96%

1.89%

1.92%

1.90%

1.79% 1.83%

1.77%

2.30%

2.47%

2019 2020 2021 2022 2023 2024 2025 1Q26

(1) Non-GAAP; see Appendix for reconciliation. (2) Source: S&P Capital IQ. Risk-weighted Assets (RWA) used in the analysis represents the simple average of the 4 quarterly disclosed amounts for each year (some

peers are estimated in the current quarter). Peers include CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION. 8

Leading with Consistently Strong Growth Metrics

Peer Leading ROATCE(1) For 5 Straight Years

Supports a higher P/E multiple

12.0%

10.3%

12.9%

17.6%

16.0%

14.9%

21.4%

16.1%

Rank: 1

24.1%

Rank: 1

18.1%

Rank: 1

21.9%

15.0%

Rank: 1

17.8% 18.2% 18.3%

15.1%

9.0%

14.4%

9.2%

14.4%

13.3%

2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1Q26

31%

5 Year EPS CAGR (2)(3)

26%

10 Year EPS CAGR(2)(3)

21%

17%

15% 15% 14%

13%

12% 11%

Peer Median: 12%

19%

18%

13%

12%

10% 9%

Peer Median: 8%

6% 6%

4% 4%

Peer 1

Peer 2

Peer 3

Peer 4

Peer 5

Peer 6

Peer 7

Peer 8

Peer 1

Peer 4

Peer 8

Peer 2

Peer 5

Peer 6

Peer 3

Peer 9

Peer 10

Peer 11

Peer 12

Peer 13

Peer 7

Peer 10

Peer 11

(1) Non-GAAP; see Appendix for RF reconciliation. Peers' source is S&P Cap IQ and includes CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION. (2) As of 12/31/2025. (3) Peers with a

net loss in the base year are omitted from the dataset.

Total Shareholder Return

Strong track record of Shareholder Returns

3 Year Total Shareholder Return

126%

116%

96% 96%

91% 91%

89%

84%

Peer Median: 89%

66%

61%

60% 59%

43%

40%

129%

73% 68%

5 Year Total Shareholder Return

60% 60% 55% 49% 42%

Peer Median: 42%

33% 28% 25% 24%

17%

Peer 1

Peer 2

Peer 3

Peer 4

Peer 5

Peer 6

Peer 7

Peer 8

Peer 9

Peer 10

Peer 11

Peer 12

Peer 13

Peer 4

Peer 5

Peer 1

Peer 12

Peer 6

Peer 3

Peer 8

Peer 13

Peer 7

Peer 10

Peer 2

Peer 9

Peer 11

10 Year Total Shareholder Return

677%

377%

315% 295% 264%

241% 214%

175% 148% 148% 143% 107%

Peer Median: 175%

84% 81%

Peer 4

Peer 1

Peer 3

Peer 5

Peer 8

Peer 2

Peer 7

Peer 10

Peer 6

Peer 12

Peer 11

Peer 9

Peer 13

As of 3/31/2026. Peers' include CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION.

Above Median Organic Loan and Deposit Growth

Consistent, disciplined growth

14% 14%

10% 10% 9%

5 Yr Loan Growth excl. Bank M&A

6% 5%

3% 3% 2% 2%

Peer Median: 3%

(1)% (2)%

Peer 1

Peer 2

Peer 3

Peer 4

Peer 5

Peer 6

Peer 7

Peer 8

Peer 9

Peer 10

Peer 11

Peer 12

Peer 13

(5)%

18% 17% 17% 17% 17%

5 Yr Deposit Growth excl. Bank M&A

12% 10% 9% 9%

4% 2%

Peer Median: 9%

(1)% (1)%

Peer 1

Peer 2

Peer 7

Peer 3

Peer 4

Peer 13

Peer 6

Peer 9

Peer 12

Peer 8

Peer 5

Peer 10

Peer 11

(5)%

Source: S&P Cap IQ and SEC Reporting. Avg loan & deposit balance changes cover FY20 to FY25. Peer balances have been adjusted for bank merger & acquisition activity: CFG, FITB, FCNCA, FHN, HWC, HBAN,

KEY, MTB, SSB, PNC, TFC, USB, ZION. Peer median excludes RF. 11

First Quarter Overview

Key Performance Metrics

1Q26

Net Income Available to Common Shareholders

$539M

Diluted Earnings Per Share

$0.62

Total Revenue

$1,873M

Non-Interest Expense

$1,068M

Pre-Tax Pre-Provision Income(1)

$805M

Efficiency Ratio

56.6%

Net-Charge Offs / Avg Loans

0.54%

Return on Average Tangible Common Equity(1)

18.26%

Continue to deliver consistent, sustainable long-term performance

Highlights

Consistently generating top-quartile returns in our peer group(2)

Sustained strong momentum into the first quarter, with loan and deposit growth and continued improvement in credit metrics

Benefiting from a stable and engaged customer base, with generally constructive sentiment across businesses and consumers

Advancing core transformation and technology initiatives, including upcoming deployment of the commercial lending system and small business digital origination platform, with core deposit system testing also underway

Investing in near-term growth and future capabilities, with strong progress on strategic growth hiring initiative and targeted product investments across all three lines of business

(1) Non-GAAP, see appendix for reconciliation. In certain instances no adjustments have been made and the resulting "adjusted" figure is therefore equal to the reported amount and no reconciliation has been 12

provided. (2) Peers include CFG, FCNCA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SSB, TFC, USB, ZION.

NII & Margin Performance

Well protected margin with NII growth from balance sheet repricing and expansion

1Q NII and NIM Drivers

NII decreased 2.6% QoQ; NIM decreased 3bps to 3.67%

NII decline primarily attributable to:

Two fewer days and expected impact of 4Q non-recurring items

Loan spread compression from market conditions and remixing into highly rated credits and public sector entities

Well protected from short-term rate declines given hedging and ability to manage deposit costs lower

1Q interest-bearing deposit cost(5) -13bps QoQ

1Q cycle-to-date interest-bearing beta(6) = 35%

New production fixed-rate asset yields continue to benefit from elevated long-term interest rates

Late quarter loan growth expected to benefit 2Q and beyond

FTE NII and NIM ($ in millions)

$1,206 $1,294 $1,261

3.52%

3.70%

3.67%

$1,281

1Q25 4Q25 1Q26

NII Attribution ($ in millions)

Market Rate Impacts - fully protected from Fed cuts

$1,248

4Q25

Non-Recurring 4Q25 Items(1)

Days / Other(2)

Loan Spreads / Mix

Floating Product Repricing (3)

Deposit Cost /

Hedges

Fixed Asset Turnover(4)

Loan Balances

1Q26

NII

-$21M

-$15M

-$4M

-$46M

+$30M

+$14M

$6M

$3M

-$33M

NIM

-6bps

+3bps

-1bps

-13bps

+9bps

+4bps

+2bps

-1bps

-3bps

Balance

(1) Non-recurring items reducing 1Q26 NII when compared to 4Q25 include seasonal HR asset dividends (-$10M), swap deferred gain amortization (-$4M), and credit recoveries (-$7M). (2) Days/Other includes two fewer days (-$12M) and other miscellaneous items. (3) Floating product repricing includes contractual loan, cash and borrowings repricing. (4) Fixed asset turnover includes the benefits of loan and securities

production at higher market rates than maturities, securities premium amortization net discount accretion. (5) Measuring quarterly average yields/costs from 4Q25 to 1Q26. (6) Using a starting point of 3Q24 interest- 13

bearing deposit costs and peak Fed Funds of 5.50%.

2026 NII(1) Expected Range and Assumptions

NII expected to grow in 2026 under a wide range of possible outcomes

Expectation: Full-year 2026 NII to grow between 2.5 - 4%, with fixed-rate asset turnover, funding cost management, and loan growth as the primary drivers

2Q26 NII expected to increase by approximately 2% vs 1Q26, from balance sheet growth, fixed-rate asset turnover, lower deposit costs, and day count

Higher long-term interest rates / steeper yield curve (10-year 4.60% and above); widening asset spreads

Accelerating loan and/or deposit balance growth

Falling rate deposit beta above mid-30%s; increasing non-interest bearing deposit mix

+4%

Upper End

Current

Outlook

+2.5%

Lower End

2Q26 NIM expected to be mid to high 3.60%s, exiting the year in the low 3.70%s

$5,000

$4,000

2016

2015

$3,000

Net Interest Income Trend ($M)

Anticipated continuation of longterm growth trajectory after post-pandemic normalization

2026

2025

2024

2023

2022

2021

2020

2019

2018

2017

Lower long-term interest rates / flatter yield curve (10-year below 3.80%); tightening asset spreads

Declining loan and/or deposit balances

Falling rate deposit beta below mid-30%s; decreasing non-interest-bearing deposit mix

Mostly stable yield curve: range-bound long-term rates (10-year 4.00% to 4.40%) and stable to modestly lower fed funds

Full year average loan balances up low single digits and deposit balances up low single digits

Mid-30%s interest-bearing deposit beta; Non-interest-bearing deposit mix stable in the low-30%s

(1) NII represents non-FTE Net Interest Income. 14

NII Positioning for Changing Rate Environment

Mostly "neutral" interest rate risk position protected from fed funds changes; reduced long-end rate sensitivity

Sensitivity to short-term rates

Sensitivity to middle/long-term rates

Floating Rate Balance Sheet Exposure(1) ($B) Future NII Benefit from Fixed-Rate Asset Turnover

Next 12 Months Exposure:

Adds Floating Rate Exposure

$51

$(19)

Reduces Floating Rate Exposure

$(4)

$(35)

10yr UST +0.50%

Recent hedging protects the expected benefit from asset production in 2026...

adds NII of ~$20M full year vs forwards

Market forward case 10yr UST -0.50%

lowers NII by ~$20M full year vs forwards

Loans Cash

Net Asset Hedges

Debt (incl. Hedges)

Beta-adjusted IB Deposits

Residual Exposure

3 mos 6 mos 9 mos 12 mos

Hedging - offsets contractual floating rate exposure and creates a mostly neutral interest rate risk position, where changes in fed funds are not expected to be a material driver of NII variability

Key Assumption: Deposit Costs/Beta - mid-30%s falling rate interest-bearing deposit beta achievable to protect NII from fed funds cuts

2Q26 CD repricing ($5.1B maturing at 3.4% rate)

36% of interest-bearing deposit balances are market priced(2) / indexed

Front-book/back-book tailwind - $12B to $14B of annual fixed-rate loan production and securities reinvestment at higher yields than those maturing is a primary driver of NII growth

Hedges in place to lock in portion of 2026 loan/securities production rates

Benefit from higher rates/steepening curve - maintain some asset sensitivity to middle/long-term rate changes given impact on production/reinvestment yields

(1)3/31/26 balance sheet except for cash, which uses expected operating level due to elevated quarter-end balances; Floating rate loans excludes mortgage ARMs. Cash adjusted short-term tenors include all rate

tenors 12 months and shorter; middle/long-term tenors include those beyond 1 year. (2) Includes deposits with a rate above 325bps and corporate sweep deposits as well as time deposits maturing in the coming 6 15

months; any time deposits with a rate above 325bps are included in this cohort.

Balance Sheet Profile

(As of March 31, 2026)

Balance sheet position naturally benefits from higher interest rates (i.e. asset sensitive), supported by

Large floating rate loan mix

Large, stable deposit base as evidenced over multiple rate cycles

Fixed-rate securities and receive-fixed hedges insulate the natural interest rate sensitivity in the balance sheet

Current interest rate risk profile is mostly neutral

to changes in market interest rates

2.6 year asset duration

2.7 year liability duration

Assets(1)

Other 14%

Cash 5%

Loans(2)(3)

Fixed Hedges 23%

$161B

Securities 20%

Loans 61%

Liabilities & Equity

Floating

$98B 33%

Fixed (ex Hedges) 44%

Deposits 82%

$161B

Borrowings 4%

Other

Deposits

Time 10%

Equity 12%

2% Wholesale Borrowings(2)

Non-IB 30%

$132B Interest-

Bearing 60%

Fixed 39%

$6B

Floating 61%

Portfolio Compositions

(1) Securities includes AFS, the unrealized AFS loss, and HTM securities; cash represents interest-bearing deposits held with the Federal Reserve. (2) Additional hedging detail included on the "Hedge Strategy Update" slide. Excludes forward-starting derivatives (both forward starting cash flow hedges and forward starting fair value hedges on 2Q & 3Q 2024 debt issuances.) (3) ARM mortgage loans are included as

floating rate loans. 16

Balance Sheet Positioning Advantage

Strong deposit franchise and funding position provide an opportunity for flexibility and margin outperformance in an evolving rate environment

2.09

1.91 1.91

1.87 1.85

1.79 1.79

1.76 1.72

1.64

1.52

1.31

97%

Loan-to-Deposit Ratio

89% 87% 85% 84%

82% 81% 80% 79% 78%

Peer Median: 81%

76% 75% 74% 74%

2.33 2.24

Total Liability Cost (%)

Peer Median: 1.85%

Peer 1

Peer 2

Peer 3

Peer 4

Peer 5

Peer 6

Peer 7

Peer 8

Peer 9

Peer 10

Peer 11

Peer 12

36% 35%

Non-interest Bearing (NIB) to Total Deposits

Peer 13

30% 28% 28%

Peer 11

Peer 3

Peer 5

Peer 13

Peer 7

Peer 9

Peer 1

Peer 2

Peer 12

Peer 10

Peer 4

Peer 8

Peer 6

50%

45%

Time Series: NIB to Total Deposits

26% 26% 24% 24% 23% 22%

Peer Median: 24%

19% 18% 16%

40%

35%

30%

25%

Peer 6

Peer 8

Peer 4

Peer 12

Peer 7

Peer 3

Peer 2

Peer 1

Peer 10

Peer 9

Peer 13

Peer 5

Peer 11

4Q19

1Q20

2Q20

3Q20

4Q20

1Q21

2Q21

3Q21

4Q21

1Q22

2Q22

3Q22

4Q22

1Q23

2Q23

3Q23

4Q23

1Q24

2Q24

3Q24

4Q24

1Q25

2Q25

3Q25

4Q25

1Q26

20%

30.4%

24.4%

**All balances are ending as of 3/31/26; Source: SEC reporting. Peers include CFG, FCNCA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SSB, TFC, USB, ZION.

RF Peer Median

Interest-Bearing Deposit Pricing

Int-Bearing Deposit Rates

6.00%

5.00%

Interest-bearing Deposit Cost vs. Peers(1)

5.50%

4.50%

3.75%

CD Maturities (as of 3/31/2026)(2)

4.00%

3.00%

2.00%

1.00%

1Q18

2.50%

1.03%

3Q18

1Q19

3Q19

1Q20

3Q20

1Q21

3Q21

1Q22

3Q22

1Q23

3Q23

1Q24

3Q24

1Q25

3Q25

1Q26

0.82%

2.85% 2.48%

2.31% 2.02%

2.15%

1.72%

3.2%

2.9%

2.6%

$0.6

$2.5

$2.9

$5.1

3.4%

2Q26 3Q26 4Q26 1Q27

2.40%

2.20%

2.00%

1.80%

1.60%

Fed Funds RF IB Deposit Cost Peer Median

Interest-bearing Deposit Cost Trend

2.34%

2.13%

2.02%

1.99%

2.01%

1.85%

1.72%

1.69%

3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26

Qtrly Int-Bearing Rates

Deposit Pricing Outperformance Expected to Persist

Regions' deposit composition has led to repricing (betas) among the lowest in the peer group through multiple rising rate cycles

Consistent rate seeking behavior across the last two cycles

Ability to reprice deposits lower with market rate declines consistent with performance to-date; mid-30%s beta necessary to protect NII

Expect modest cost reductions in Q2 by managing expenses closely around where we exited Q1, with potential to outperform over time as CDs mature and reprice lower

(1) Peers include CFG, FCNCA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SSB, TFC, USB, ZION. (2) CDs excluding brokered CDs; maturities as of 3/31/2026; balances do not include future rollover

% of 1Q26 Ending Interest-Bearing Deposits

Interest-Bearing Deposit Mix

Composition of deposit book affords ability to maintain cost advantage under a range of market rate outcomes; When combined with hedges, creates a well protected margin

Interest-bearing Deposits: $91.8B

(labels represent % of IB Deposits)

Market Priced & CD Maturities(1)

Mid-Beta / Mid-Cost(2)

Low-Beta / Low-Cost(3)

36%

Time Deposits

All Other Interest-Bearing Deposits

22%

42%

Accounts expected to reprice with market rates, plus near term CD maturities (incl. indexed deposits)

More than 90% of CDs mature within the next 9 months

Beta in falling rates: 80%-100%

Accounts with an intermediate rate

Beta in falling rates: 20-30%

Mostly Consumer/Wealth low rate stable accounts with small account size & customer longevity

$14K avg account balance

Avg acct open for 14+ yrs

Beta in falling rates: 0-10%

(1) Includes deposits with a rate above 325bps and corporate sweep deposits as well as time deposits maturing in the coming 6 months; any time deposits with a rate above 325bps are included in this cohort. (2)

Comprised of deposits with a rate between 100-325bps and time deposits maturing in the next 6 to 12 months. (3) Includes deposits with a rate below 100bps and time deposits with a remaining maturity of more than 19

12 months.

Deposit Advantage Key to Franchise Value

Above median deposit growth & disciplined pricing

5 Year Deposit Growth vs Current Deposit Costs(1) Net Interest Margin vs. Peers(1)

Peer Median

20%

3.90%

3.54%

3.61%

3.67%

3.36%

3.21%

3.24%

3.10%

3.13%

2.99% 3.00%

2.72%

Avg. Total Deposit Growth

10%

(10)%

1% 2%

FY25 Total Deposit Cost (%)

2020 2021 2022 2023 2024 2025 1Q26

(1) Source: S&P Cap IQ and SEC Reporting. Avg deposit balance changes cover FY20 to FY25. Peer balances have been adjusted for bank merger & acquisition activity: CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, 20

SSB, PNC, TFC, USB, ZION.

Net Interest Margin History

Generating consistent, sustainable, long-term performance

Learned lesson from outsized credit and rate exposure in GFC; have used hedges to achieve NIM protection and outperform peers

Net Interest Margin (NIM)1 Through the Interest Rate Cycle

Rising Rates

Outperformance given hedging portfolio and balance sheet management

Pandemic Maintained stable Adj NIM1 (~40bps outperformance worth

~$550M annual NII)

Retained ability to benefit, expanding outperformance vs. peers

Underperformance given elevated rate risk exposure and other correlated risks

Peak Rate Reduced rate exposure to maintain performance vs. peers (~50bps worth ~$700M annual NII)

Fed Funds Target Rate & Regions' Interest Rate Risk Positioning

Periods of abnormal monetary policy accommodation justify the need for an elevated risk profile given a higher probability of rising interest rates

(1) Given the impact to NIM across the industry from elevated pandemic-related cash, Regions and peer NIMs have been adjusted to exclude surge cash above 4Q19 levels from 2Q20 to 3Q22. Peers include CFG, 21

FCNCA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SSB, TFC, USB, ZION.

Hedging Strategy Update

2032

2031

2030

2029

2028

2027

2026

4Q26

3Q26

2Q26

1Q26

Receive-Fixed, Cash Flow Swaps -Loans

Pay-Fixed, Fair Value Swaps - AFS Securities

Net Asset Swap Position(1) Cash Flow Collars - Loans(2)

Mostly "neutral" rate risk position protects margin & decreases capital volatility

(Quarterly Avg)

(Annual Avg)

as of 3/31/2026

Receive-Fixed, Cash Flow Swaps - Loans $22.8B $23.9B $24.8B $24.8B Pay-Fixed, Fair Value Swaps - AFS Securities $4.4B $4.2B $4.3B $4.3B Net Asset Swap Position(1) $18.4B $19.7B $20.5B $20.5B

Cash Flow Swap Receive Rate(3) 3.07% 3.15% 3.17%

1Q26 Asset Hedging Activity

Cash Flow Hedging

Focused on reducing NIM volatility

Fair Value Hedging

Focused on reducing AOCI volatility

AFS Fair Value Swap Pay Rate(3) 3.58% 3.58% 3.58% Cash Flow Collars - Loans(2) $2.0B $2.0B $2.0B $2.0B

$24.1B $24.4B $22.4B $18.5B $17.8B $11.3B $4.5B

$4.3B $4.3B $4.3B $4.3B $4.9B $5.0B $3.4B

$19.8B $20.1B $18.1B $14.2B $12.9B $6.3B $1.1B

3.11% 3.21% 3.38% 3.54% 3.55% 3.58% 3.65%

3.58% 3.58% 3.58% 3.60% 3.63% 3.64% 3.72%

$2.0B $2.0B $1.0B $0.0B $0.0B $0.0B $0.0B

Short-term rate protection in future periods • Added $1B in forward-starting (2029), 3Y receive-fixed swaps (3.6%)

Medium and long-term rate sensitivity hedges (fixed asset turnover)

Added $1.25B in forward-starting (Sep-26), 5Y receive-fixed swaps

(3.5%)

ated $1.5B in fixed asset turnover swaps hedging 1Q26

Termin

Securities fair value hedges

(with offsetting NIM sensitivity transaction)

Added $0.9B in forward-starting (2030), 4Y avg receive-fixed swaps (3.8%) with avg maturity in 2034 to offset interest rate risk associated with fair value AOCI hedges

Added $0.9B in forward-starting (2030), 4Y avg pay-fixed swaps (3.8%) with avg maturity in 2034

Tactical increase in near-term protection given fewer/no Fed Funds cuts priced for 2026

Added $0.3B in spot-starting receive-fixed swaps (3.6%) maturing Dec-26

Terminated $0.3B in active pay-fixed swaps maturing Apr-28

Net Asset Swap Position equals Receive-Fixed Cash Flow Swaps - Loans minus Pay-Fixed Fair Value Swaps - AFS Securities. (2) Collars use short interest rate caps to pay for long interest rate

floors; weighted avg. floor of 1.86%, weighted avg. cap of 6.22%. (3) Floating rate leg of swaps vs overnight SOFR. 22

Securities Portfolio

Provides downside rate protection/liquidity

Portfolio constructed to protect against changes in market rates

Duration of ~3.9 years (AFS ~3.5 years) as of 3/31/2026; provides offset to long-

Securities Portfolio Composition(1)

duration deposit book

28% of securities in the portfolio are bullet-like (CMBS, corporate bonds, agency bullets, and USTs)

MBS mix concentrated in less sensitive prepayment collateral types: lower loan

Agency CMBS 20%

Corp Bonds 1%

Agency/UST 9%

HTM, 17%

balances, seasoning, and state-specific geographic concentrations

98% US Government or Agency guaranteed

~$460M high quality, investment grade corporate bond portfolio is short-dated (<2.5 year duration) and well diversified across sectors and issuers

The Agency CMBS portfolio is guaranteed by government agencies and is collateralized by mortgage loans on multifamily properties

83% classified as Available-for-Sale; 17% Held-to-Maturity

1Q26 Activity

Reinvestment of paydowns/maturities accretive to portfolio yield by ~1.3%

4.5

4.0

3.5

3.0

2.5

Peer 1

Peer 2

Peer 3

Peer 4

Peer 5

Regions

Peer 6

Peer 7

Peer 8

Peer 9

Peer 10

Peer 11

Peer 12

Peer 13

Peer 14

2.0

$32.9B

Agency MBS 69%

Securities Yield(2)

$32.9B

AFS, 83%

26bps

3.56

-25

-50

-75

Subsequent to quarter end sold ~$900M short-duration Agency/Govt bullet-like securities at a $40M pre-tax loss, reinvesting into longer-duration USTs, Agency CMBS and MBS at 2.5% higher yields

Represents normal duration management, adding downside rate protection

(1) Includes AFS securities, the $725M unrealized AFS loss, and HTM securities as of 3/31/2026. (2) Source: Supplementary earnings materials / SEC reporting; peer set includes: CFG, FCNCA, FHN, FITB, HBAN, HWC, 23

KEY, MTB, PNC, PNFP, SSB, TFC, USB, ZION

Securities Portfolio - AOCI Management

Positioned to manage level/exposure lower over time

AOCI associated with unrealized securities gains/ losses is expected to be included as a part of CET1 once B3E rules are finalized (with phase in)

Given Regions' long duration deposit base, asset duration strategies will still be needed to mitigate inherent interest rate risk exposure

Various strategies have been and will continue to be implemented to reduce capital volatility in the future, including:

1.00%

-1.00%

Adj. AOCI in CET1 as % of Risk Weighted Assets(2)

12/31/2025

-0.20%

-0.74% -0.55%

-1.70%

-1.43% -1.29% -1.27% -1.24% -1.19% -1.16%

-1.07% -1.04%

0.04% 0.13%

Tactic Implementation

-2.00%

1) Held to Maturity (HTM) Designation

Migrate AFS securities or add new purchases in HTM

Will continue to migrate towards targets over time; timing dependent on rate entry point and regulatory clarity (i.e. timing / HTM treatment); holding elevated capital in interim

2) Shorter Duration AFS Portfolio

Bond selection

Fair value hedging(1)

-3.00%

Peer 1

Peer 2

Peer 3

Peer 4

Peer 5

Peer 6

Peer 7

Peer 8

Peer 9

Peer 10

Peer 11

Peer 12

Peer 13

Peer 14

-2.77%

At 3/31/2026, AOCI at risk in AFS in + 100 shock is ~$725M or ~57bps of CET1

Monetizing Held-to-Maturity security liquidity through collateralized deposits

Securities AOCI Burn Down and Impact to CET1(3)

$1,500

10.00%

CET1

9.50%

9.95%

CET1 Including AOCI Sensitivity(4)

9.68%

9.54%

(865)

9.40%

9.26%

(1,205)

(1,382)

9.11%

(1,559)

(1,739)

8.83%

(1,919)

(500)

(1,000)

AOCI Loss ($M)

$1,250

$1,000

$750

$500

$1,172

$1,033

630 564

542

$850 4770.25%

0.40%

$666

390

9.00%

(1,500)

AOCI

(2,000)

$250

0.11%

469

373 276

8.50%

(2,280)

2.94% 3.44% 3.69% 3.94% 4.19% 4.44% 4.94%

(2,500)

Cumulative CET1 Impact

3/31/2026 YE 2026 YE 2027 YE 2028

5yr UST

Fair value hedging includes pay fixed swaps and other strategies currently in development, with the balance sheet duration likely offset through the addition of offsetting cash flow hedges against floating rate loans. (2) AOCI in CET1 (No AFS Opt Out) includes AOCI related to AFS, HTM and Pension related obligations; Source: Call Reports as of 12/31/2025, RC-R and RC-B. Peer set includes: CFG, FCNCA, FHN, FITB, HBAN,

HWC, KEY, MTB, PNC, PNFP, SSB, TFC, USB, ZION. (3) Estimated Tax-Adjusted AOCI, current portfolio, market forward interest rates, and Risk Weighted Assets as of 3/31/2026. (4) Total After Tax AOCI excluding CF 24

Hedges as of 3/31/2026.

Securities Portfolio - Repositioning

Provides efficient use of capital/downside rate protection

Multiple, distinct securities repositioning strategies occurred in 2024, 2025, and 2026

Sold mostly shorter-duration agency CMBS

Replaced with mostly residential agency MBS with favorable prepayment protection/ profiles and higher market yields

Maintained duration on naturally shortening portfolio

Q2 2026 transaction: Sold ~$900M short-duration Agency/Govt bullet-like securities at a

$40M pre-tax loss, reinvesting into longer-duration USTs, Agency CMBS and MBS at 2.5% higher yields

Represents normal duration management, adding downside rate protection

Rationale for Securities Repositioning

Efficient Capital Use Portfolio Management Favorable Market

Superior returns vs alternatives (including share repurchases)

Capital neutral w/ full AOCI look through

Provides flexibility for relative value decision making

Replace short-duration bonds that provide little falling rate protection

High absolute market rates and a steepening yield curve enhance attractiveness

Repositioning Summary

Execution

$ Sold

Losses Realized

Purchase Yield - Sales Yield

Payback Period (1)

Duration Extension(2)

Q1 2024

$1.3B

$50M

1.9%

2.1yrs

0.15yrs

Q2 2024

$980M

$50M

2.4%

2.6yrs

0.07yrs

Q3 2024

$1.3B

$75M

2.6%

2.7yrs

0.18yrs

Q4 2024

$696M

$30M

2.2%

2.7yrs

0.04yrs

Q1 2025

$478M

$25M

2.9%

2.7yrs

0.05yrs

Q3 2025

$516M

$25M

2.4%

2.6yrs

0.04yrs

Q2 2026

$903M

$40M

2.5%

2.0yrs

0.07yrs

Total/ WA

$6.2B

$295M

2.4%

2.4yrs

0.6yrs

NII estimate and payback assumptions use Market Forwards as of trade completion dates. (2) Point in time impact; portfolio duration is naturally shortening and repositioning provides offset.

Non-Interest Income

($ in millions)

$590

$640

$625

1Q25 4Q25 1Q26

Adj. Non-Interest Income(1)

QoQ Highlights & Outlook

NIR decreased 2% on both a reported and adjusted(1) basis

Service charges remained stable, as record Treasury Management fees, up 6% linked-quarter, offset seasonally lower consumer revenue; TM remains a key growth driver

Card and ATM fees decreased 5%, reflecting normal seasonality; Expect fees to peak in 2Q and level out in 2H26

Capital Markets (Ex CVA) increased 4%, driven by improved commercial swap, loan syndication, and securities underwriting activity, partially offset by lower real estate capital markets and M&A fees; Expect quarterly revenue to continue increasing within the $90 - $105M range, trending toward the lower end in 2Q amid market volatility and elevated rates, with momentum building thereafter

Other NIR declined 29%, driven primarily by commercial lease activity, with ~$6M of gains in 4Q and ~$7M of losses in 1Q

Expect FY26 adjusted non-interest income to grow 3 - 5% vs 2025(4)

($ in millions)

$615 $640 $625

1Q25 4Q25 1Q26

($ in millions)

1Q26

Chan

4Q25

ge vs

1Q25

Service Charges - Consumer(2)

$96

(5.0)%

Service Charges - Corporate(3)

$66

8.2%

3.1%

Wealth Management Income

141

(1.4)%

9.3%

Card and ATM Fees

117

(4.9)%

Capital Markets (Ex CVA/DVA)

3.8%

2.5%

Mortgage Income

(20.0)%

Other

(29.4)%

(12.2)%

(1) Non-GAAP; see appendix for reconciliation. (2) Consumer overdrafts typically represent approximately half of these amounts each quarter. (3) The majority of these amounts relate to Treasury Management

(TM) activities and typically represent approximately two-thirds of total TM revenue each quarter. (4) See appendix for further information on the forward-looking guidance provided by the Company with respect 26

to this non-GAAP measure.

Track Record of Expanding Fee-Based Services

Adjusted Non-Interest Income(1)

($ in millions)

$2,001

$2,585

Proven Non-Interest Income Resiliency

Diversified revenue growth through expanded fee-based services

Capital Markets

Since re-launch of products in 2014, expanded the business through:

Organic Product Growth: Debt & Capital Raising, Financial Risk Management, Real Estate

Acquisitions: BlackArch - M&A, Clearsight - M&A, Sabal - Agency Small Balance & Servicing Platform

Treasury Management

New product and feature development continues to be an annual priority and amounts to ~20% of annual core TM revenue

2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025

Strategic investments & enhanced client capabilities have generated over $1B in additional revenue since the global financial crisis (GFC), more than overcoming ~$600M of lost revenue

The enactment of Regulation E and debit interchange legislation post GFC had a combined ~$300M negative impact

Overdraft fees have declined ~$300M since 2011, due primarily to customer-friendly enhancements

Trade Finance revenue grew an average of 11.4% annually from 2020-2025 through acquisition of new clients and growth of existing relationships

Wealth Management

2025 Investment Services and Investment Management & Trust Fees are up

$222M vs 2019 (97% Organic); 6-year CAGR of 9.1%

Acquisitions: Highland Associates

Consumer

Purchased a $1B credit card portfolio in mid-2011

Organic growth in the debit card portfolio

Since 2011 expanded mortgage servicing revenue through bulk and flow MSR acquisitions totaling $81B

Non-GAAP; see appendix for reconciliation. Amounts disclosed in years 2024-2016 represent the initial amounts reported in the Company's Segment footnote in the Annual 10-K. Amounts disclosed in years 2015-2012

represent the latest year disclosed in the Company's Annual 10-K with some additional adjustments applied to represent the dynamic nature of segment reporting in order to arrive at amounts comparable to segments as 27

currently viewed by management. Amounts in 2011 could not be recast due to lack of available data to create comparable segment disclosures.

Capital Markets

Growing products & services that our clients value

Capital Markets Product Solutions

Capital Markets Annual Revenue (Ex. CVA/DVA)(1)

Mergers & Acquisitions

M&A Advisory Services

Debt & Capital

Loan syndication

Sponsor coverage

Loan sales & trading

Public and private capital raising

Real Estate

Multi-family loan origination & distribution

Fannie Mae

Freddie Mac

HUD

All property types loan origination & distribution

Low income housing tax credit distribution

$323

$354 $350

$263

$303

$272

$151

$159

$201

$188

$65

$101

$83

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026

YTD

1Q26 Capital Markets revenue ex. CVA/DVA of $83MM increased 4% from prior quarter, driven by increased fees from Syndications, Debt & Equity Underwriting, and Swap Transactions.

Capital Markets revenue ex. CVA/DVA quarterly range expected to be $90M-$105M; 2Q26 expected to be toward the lower end of the range with improvement in 3Q and 4Q.

Client Coverage Areas

Financial Risk Management

Interest Rate Derivatives

Commodity Derivatives

Foreign Exchange

Corporate Banking

Commercial Banking

Commercial Real Estate

Specialized Industries

Wealth Management

(1) $'s in millions. Amounts presented exclude valuation adjustments (CVA/DVA). Prior to 2018, Capital Markets Fee income was labeled as "Capital Markets Fee Income and Other".

Treasury Management

Clients optimize cash flow and manage risk with Treasury Management solutions

Steadily Growing our Treasury Management Business

Continually Investing in Technology

Enhancing Embedded ERP Finance, which allows clients to access and review financial accounts and data in real-time within their ERP platforms, by developing payment capabilities including wire transfer, ACH, and RTP

Simplifying cash management for small to mid-size businesses with CashFlowIQ, offering accounts payable, accounts receivable, invoicing, and bill payment solutions

Strengthening risk mitigation through the deployment of Commercial Card alert capabilities

Added Xpress Connect, a secure print and electronic communications tool, to the integrated billing and payments platform, BillerXchange, providing clients with efficient invoicing and communication capabilities

Leveraging cutting-edge automation to transform remittance processing and accelerate payment reconciliation for healthcare clients with the launch of Healthcare Receivables Services powered by MediStreams

Improving client refund, rebate and other payment distribution efficiencies with ReimbursePro by enabling fast, secure delivery through recipients' preferred channels

+10% Trade Finance Dollar Volume(4)

Earning Recognition for Excellence

2025 Datos Impact Award in Commercial Banking & Payments

Best Innovation in Product Development for Regions Embedded ERP Finance

Trade Finance

Department of Commerce - Recipient of President's "E" Award for Export Service

SBA - #1 Export Lender for 7 Consecutive Years

SBA -Two Time Export Working Capital Lender of the Year

SBA - Export Working Capital Preferred Lender

EX-IM Bank - Highest Delegated Lending Authority and Fast Track Lender

EX-IM Bank - Lender of the Year and Deal of the Year Award Recipient

(1) YTD YoY Treasury Management Revenue Growth, March '26 to March '25. (2) YoY Client Growth, March '26 to March '25. (3) YTD Digital, Payment & Integrated Services Revenue, March '26 to March '25. (4) YTD 29

Trade Services Dollar Volume Growth, March '26 to March '25.

Wealth Management

Specialized expertise and tailored investment guidance to manage and grow wealth

Growing our Wealth Management Business(2)

+8% Total Client Assets(3)

+8% Total WM Relationships(4)

+8% WM NIR(1)

Wealth Management NIR(1)

($ in millions)

9.1% CAGR

$382 $419

$451 $495 $544

$182

$322 $337

$79

$243

$253

$278

$297

$313

$338

$362

2019

2020

2021

2022

2023

2024

2025

$84

$104 $122 $138 $157

The Client Experience

The Voice of the Regions Wealth Client

The Value We Bring To Our Clients

Every client is unique and deserves a tailor-made path to confidently reach their evolving financial goals. Wherever you are, and wherever you are going, we offer a dedicated team, specialized expertise, and investment guidance to help you manage and grow wealth.

Managing Wealth for Individuals and Institutions

Advice & Guidance / Planning / Consultative Approach

Solutions: Wealth Planning, Retirement Planning, Trust & Estates, Digital Investing, Natural Resources & Real Estate, Philanthropic Solutions, Investment Management, Funeral Trust, Custody, Escrows, Corporate Trusts, Business Succession, Brokerage and Life Insurance

Inaugural Voice of the Client survey established and fielded for Regions Investment Solutions, resulting in 84% of Financial Advisors receiving 5/5 ratings

The primary indicator of client satisfaction is the Financial Advisor Satisfaction Index

or FASI. For Q1 2026, the baseline FASI score stands at 82.4.

Impact of Financial Planning. Financial Planning remains a differentiator for highly engaged client relationships. Clients who engaged in financial planning reported significantly higher satisfaction and engagement.

76% of surveyed clients having indicated they had a conversation with their FA in the

past 12mo.

Focus on Action. Leveraged VOC insights to pinpoint growth opportunities particularly in:

Advisor communication

Proactive market and trend discussions

(1) WM NIR does not include the top of company portion of service charges on deposit accounts and similar smaller dollar amounts that are also attributable to the WM segment. (2) YoY comparisons as of 03/31/26 unless

otherwise noted. (3) Client Assets consists of AUA, Brokerage Assets and Annuity Assets. (4) Total WM Relationships consists of Total Private Wealth Households, Institutional Accounts, and Investment Services Accounts.

Mortgage

Remains a key component of fee revenue

Mortgage Income ($ in millions) Strong Performance

$333

2018 2019 2020 2021 2022 2023 2024 2025 1Q26

Mortgage Income: $32M 1Q26; $158M FY25

$242

$163

$156

$158

$137

$146

$109

$32

Portfolio 757 Avg. FICO | 53% current LTV

$410K Avg. New Loan Size

Production aligned with market in percentage of purchase production volume at 61% in 1Q26 vs 60% for the industry(1)

Industry-Leading Low-Cost Servicer

$83B servicing portfolio(2) as of 1Q26 with appetite for future growth

$0.2B in MSRs acquired YTD with flow purchases

Importance of Scale: Servicing fees help offset production declines in elevated rate cycles

Servicing expense 24% lower than peer average(3)

Delivery Efficiency

19% lower origination and fulfillment cost than peer average(3)

Investing in omnichannel capabilities

Partnership with retail bank is competitive advantage

(1) Mortgage Bankers Association - Mar 2026 Forecast. (2) Includes residential owned portfolio and serviced for others. (3) MBA/Stratmor PGR FY2025. 31

Non-Interest Expense

($ in millions)

57.9%

56.8%

56.6%

$1,039 $1,098 $1,068

Adj. Non-Interest Expense(1)

QoQ Highlights & Outlook

NIE decreased 3% on a reported basis and 4% on an adjusted(1) basis

Salaries & benefits remained relatively stable, as lower incentives along with 4Q employee benefit liability impacts tied to HR dividend income largely offset seasonal increases in payroll taxes, 401(k) match, and merit

FDIC insurance assessments increased $16M, as a 4Q FDIC insurance special assessment accrual reduction of $14M did not repeat

Maintaining disciplined expense management while continuing to invest across the franchise

Expect FY26 adjusted NIE (inclusive of investments) to be up 1.5 - 3.5%; Anticipate generating FY adj. positive operating leverage(3)

($ in millions)

56.8%

57.5%

56.6%

$1,035 $1,112 $1,068

1Q25 4Q25 1Q26

Adjusted efficiency ratio(1)

Adj. Non-Interest Expense(1)

($ in millions)

$135

$22

2.8% CAGR

$3,698 $3,886

$3,387 $3,419 $3,434 $3,443 $3,541

$4,262 $4,227 $4,331

2016 2017 2018 2019 2020 2021 2022 2023 2024 2025

Adjusted non-interest expense (1)

(1) Non-GAAP; see appendix for reconciliation. (2) 2Q20 acquisition of Ascentium Capital and 4Q21 acquisitions of EnerBank, Sabal Capital Partners, and Clearsight Advisors. (3) See appendix for further

information on the forward-looking guidance provided by the Company with respect to this non-GAAP measure.

Efficiency Ratio vs. Peers

1Q26 Efficiency Ratio vs. Peers

FY 2025 Efficiency Ratio vs. Peers

64.4%

62.6%

63.4%

61.6%

59.7% 59.8%

57.8%

58.5%

56.9% 56.9%

57.3%

56.0%

56.4%

54.6%

65.2% 65.5%

63.7%

61.4%

60.4%

59.5%

58.4%

56.7%

57.0%

57.4%

55.3%

56.2% 56.2%

51.1%

Peer 1 Peer 2 Peer 3 RF Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer

Peer 11

Peer 12

Peer 13

Peer 2 Peer 3 RF Peer 4 Peer 7 Peer

Peer 1 Peer 5 Peer 8 Peer 6 Peer

Peer 9 Peer

Peer 11

(1) Efficiency ratios per S&P Global Market Intelligence. Peers include CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION. 33

Diversified Lines of Businesses

Consumer Bank Corporate Bank Wealth Management

Retail Banking Services

Deposit

Debit & Credit Card

Home Equity

Secured & Unsecured Lending

Small Business

Mortgage

Retail and Consumer Direct

Mortgage Servicing

Home Improvement Financing

Commercial

Corporate & Institutional

Corporate

Real Estate

Capital Markets

Treasury Management

Specialty Lending Businesses

ABL

Ascentium Capital

Equipment Finance

Private Wealth Investment Management, Banking & Trust Services

Institutional, Corporate, & Philanthropic Investment Consultant Services

Investment Solutions for Retail Clients

$805M

46%

47%

34%

$96B

64%

1Q26 Pre-tax pre-provision income(1)

1Q26 Average loans

1Q26 Average deposits

31%

$130B

61%

Pie %'s exclude the pre-tax pre-provision income from the Other Segment totaling $0. The Other Segment consists primarily of unallocated Treasury functions (securities portfolio and wholesale funding activities), as

well as certain reconciling items necessary to translate management accounting practices into consolidated results.

Consumer Bank

10,342

Associates

1,246

Branches

High Performing, Proven Consumer Business Creating Value for Customers and Shareholders

How our model wins

4.2M

Consumer Customers

363K

Small Businesses

All figures as of 1Q26

1 Primacy-based acquisition strategy

1,779

ATMs

385K

Mortgage Customers

leads to granular, low cost deposits

and NIR

Focused lending to homeowners drives attractive returns and discipline credit performance

2 Industry leading customer experience across channels delivers

long tenured, primary relationships and high customer loyalty

Local and people focused culture drives differentiated reputation and market dominance

Regions has served the Southeast for over 170 years:

~70%

Top 5 Market share in ~70% of MSAs across 15-state footprint(1)

Deposit Cost vs. Peers

Top 5 Branch share in 16 of our top 20 markets

and differentiates us from competition

Competitive Advantage Business Outcomes

Presence in markets averaging 74

Long standing presence in markets

years

Enduring organization 20+ years without disruption

Differentiated experience Top decile customer experience

Strategic market positioning Technology & AI innovation

Modern core and proprietary AI tools driving efficiencies and growth

(1) Source: S&P Cap IQ. Top 25 market share as defined by deposit dollars - FDIC as of 6/30/2025; pro-forma for announced M&A transactions as of 2/4/2026. Top 5 share based on MSA and non-MSA counties. 35

S&P's demographic data is provided by Claritas based primarily on U.S. Census data.

Consumer Banking Group

Driving growth and customer engagement through strategic investments

Continuing to Deliver Strong Results

Maintained competitive deposit rates driving balance growth of 1.1% YoY while preserving our industry leading deposit costs of 84bps

33% increase YoY in Mortgage production driven by improved market conditions and incremental campaigns to support launch of ARC tool

Branch Small Business lending production up 38% YoY driven by new value offering for small business credit card

Credit card spend YoY growth of 8% driven by account growth and higher spend per account

Disciplined credit risk management; Net charge-offs of 69bps; Down 2bps YoY and down 4bps vs 4Q25

Continued strength in expense management

Delivering Solid Customer Satisfaction & Loyalty

Regions Bank is the highest-rated bank in Forbes' newest list of the top 300 U.S. companies for customer service

J.D. Power(1) ranked Regions Bank #1 in customer satisfaction among regional bank online

experiences 5 of the last 6 years

Regions Bank ranked 2nd in American Banker's list of top banks by reputation

Regions Bank has been recognized as a Fannie Mae STARTM performer for the 9th consecutive year

Top-decile in customer loyalty per Gallup

4.9 out of 5 Mobile app star rating(2)

Strategic Investments Across The Business

Launched ARC (Automated Refinance Calculator) which analyzes +100 million mortgage repricing scenarios to generate customer solutions in under 5 minutes

Launched direct deposit switcher providing a seamless, paperless, secure, real-time option for direct deposit enrollment; ~7k successful switches since deployment

Enhanced fraud detection through new biometrics tool to protect against cyber criminals and expanded deployment of a caller monitoring system in the IVR

Launched new partnership with global leader in merchant services processing to bring customers top-tier payments and business solutions; continue to grow small business checking accounts

Enhanced the Mobile App customer experience for rewards and offers as well as Zelle for small business; Mobile Banking Log-ins up 9% YoY and small business Zelle usage up 62% YoY

Regions Bank received the highest score among regional banks ($65B to $250B in deposits) in the J.D. Power 2020-2022, and 2024-2025 U.S. Online Banking Satisfaction Studies which measures customer satisfaction

with financial institutions' online experience for banking account management. Visit jdpower.com/awards for more details. (2) iOS app store rating. 36

Branch Network Strategy

Delivering a world-class branch experience through targeted growth

Leverage advanced geospatial analytics to prioritize high-growth micro-markets within the existing footprint, targeting areas with favorable population trends, density, and competitive gaps

Execute a disciplined approach of 135-150 new locations in footprint, balancing new branch builds, relocations, and optimization of underperforming sites to enhance network productivity - resulting in a similar size network

Prioritize investments in high-growth, priority markets, with impacts extending across the entire footprint, positioning Regions as the market leader among competitive market entrants

Modernize existing branch network, creating a welcoming, advice-oriented branch experience that customers expect from Regions as their hometown bank

Investing in High-Growth Priority Markets

Branch Builds

Renovations

Corporate Banking Group

Clients

Coverage

Commercial Banking (2)

Emerging Commercial

$5M - $20M

Local and Dedicated Relationship Managers

Digital

Middle Market

$20M to $500M

Local and Dedicated Relationship Managers

Industry & Product Specialists

Large Corporate

$500M - $2B

Dedicated Coverage Bankers +

Industry Specialists &

St ry

rategic / Capital Adviso

Corporate & Institutional Banking (3)

Corporate Banking, Real Estate Banking, Capital Markets

62,121

Client Relationships (1)

2,761

Associates (1)

170

Local Offices

How our model wins and differentiates us

Out-Local National Banks

Our strategy begins and ends with

Our People

Deeply-Embedded in Local

Tenured Teams & Clients

Brand Stability & Reliability

Process

Relationship-Led

•

Local Decisioning

Industry-Relevant Expertise

Technology

Over 5 years of AI

Customizable Solutions

Comprehensive Capabilities

Out-Scale Regional Competitors

We bring deep local relationships backed by large bank capabilities

A diversified engine for growth and long-term performance

(1) As of 1Q26, Includes Ascentium Capital; (2)Private Companies, Includes Governments, Not-For-Profits; (3) Public & Private Companies, Includes public and privately owned professional real estate

companies, developers, and investors 38

Corporate Banking Group

Driving continued long-term performance for our clients & our shareholders

Soundness

Active credit risk and portfolio management

remains a top priority

NPLs of 0.98% decreased 6bps vs. 4Q25

Classified Loans of 3.25% decreased 36bps vs. 4Q25

QoQ risk rating upgrades outpaced downgrades 1.31x in 1Q across CBG

Net charge-offs of 47bps for 1Q26(1)

Core Business 39bps

Ascentium 205bps

Diversified Commercial Real Estate portfolio(2)

that represents 16.8% of total loans outstandings:

Office 0.9% of total loans outstanding

Enhancing client soundness with risk mitigation

solutions and education

Profitability

Total Revenue increased 6% vs prior year, driven by growth in Loan & Deposit balances, Capital Markets, and Treasury Management

Record Treasury Management Revenue increased 4% vs. prior year, driven by client base growth of 6%(3)

Average Loan Balances increased 2% vs prior quarter, while Ending Loan Balances increased 4.3% driven by increased line utilization and broad-based industry growth

Capital Markets ex. CVA/DVA increased 4% vs. prior year driven by Loan Syndications, Swap Transactions, and Debt & Equity Underwriting

Non-Interest Expense management remains a top priority

Growth

Delivering full cash conversion and balance-sheet optimization through our local + expertise model, earning deep loyalty with ~75% of growth coming from clients with Regions for 5+ years

Expanding coverage through investing in Commercial and Treasury Management talent across priority and core markets

2025 hiring plans exceeded

2025 revenue production goal exceeded

>40% of new relationships originated from priority markets

Small Business momentum continues, with SBA production up 18% YoY driven by strong banker performance and targeted market investments

Award-winning Embedded ERP finance and advanced receivables platforms elevating digital leadership

(1) Reflects Corporate Banking Group Segment results only; excludes Branch Small Business losses. (2) Total loans is representative of total bank, as of 03/31/26. (3) TM revenue, YTD YoY March '26 to March '25; YoY

Client Growth, March '26 to March '25

Wealth Management

Specialized expertise and tailored investment guidance to manage and grow wealth

1,262

Associates

232K

Total Relationships(1)

$185.2B

Total Client Assets

All figures as of 1Q26

Outperforming Our Peers

NIR Growth Outpacing Peer Median(2)

Strong, Consistent Revenue Contribution (23% of TOC NIR)

Investment Services

Mass & Mass Affluent

$0 - $500K

201K

Accounts

Private Wealth Management

HNW to UHNW

Individuals & Families

$500K - $100M+

17K

Relationships

Institutional Services

Corporations & Government Entities

$2M - $100M+

14K

Accounts

Invest in people, elevating our brand, onboarding respected talent, and improving productivity

Invest in high-opportunity geographies by capitalizing on priority markets

Improve the client experience

through ongoing innovation

How Our Model Wins

(1) Total Relationships consists of Total Private Wealth Relationships, Institutional Accounts, Highland Accounts, and Investment Services Accounts; reported on a one-month lag (2) Excludes Peers with Adjusted Items; vs PY Qtr

Disclaimer

Regions Financial Corporation published this content on May 11, 2026, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on May 11, 2026 at 23:29 UTC.