Regions Financial Corporation (RF) Q2 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning and welcome to the Region Financial Corporation's quarterly earnings call. My name is Chris and I'll be your operator for today's call. I would like to remind everyone that all participant phone lines have been placed on listen only. At the end of the call, there will be a question and answer session. If you wish to ask a question, please press star 1 on your telephone keypad. A confirmation tone will indicate your line is in the question queue. I will now turn the call over to Tom Speir to begin. Thank you, Chris. Welcome to Region Second Quarter 2026 Earnings Call. John and Anil will provide high-level commentary regarding our results. We ask that you review the cautionary statements included in our earnings documents, which are available in the Investor Relations section of our website. These materials contain information regarding the use of non-GAAP measures and reconciliations to the GAAP results, as well as forward-looking statements about Region's performance. These statements speak only as of today, and we undertake no obligation to update them. I will now turn the call over to John. Thank you, Tom, and good morning, everyone. We appreciate you joining our call today. Earlier this morning, we reported earnings of $549 million, resulting in earnings per share of 64 cents. On an adjusted basis, earnings were $583 million, or 68 cents per share. We delivered adjusted pre-tax, pre-provision income of $831 million, and generated an adjusted return on tangible common equity of 20%. Overall, we're pleased with our performance for the second quarter, reflecting disciplined execution across the franchise and the benefits of investments we've made to position the company to deliver sound and profitable growth. As we look across our footprint, we remain en...