Second Quarter 2026 Quarterly Investors Information

Exhibit 99.1

Investor Information

August - September

Internal Use

Table of Contents

Longstanding Strategic Priorities

Soundness

Relentless focus on:

• Balancing growth with disciplined underwriting and risk management

• Resilient performance across economic cycles

• Shareholder value protection through proactive balance sheet and hedging strategies

• Strong capital and liquidity supporting growth

Profitability

Committed to:

• Diversified revenue streams

• Disciplined capital allocation

• Disciplined expense management

• Positive operating leverage

Growth

Strategically Investing in:

• High-growth markets with above median organic loan & deposit growth vs. peers(1)

• Opportunities to leverage the core footprint's projected 3.5% population growth(2)

• Non-bank M&A to expand products and capabilities

• Talent, technology, products and services that drive organic growth

Generating Consistent Sustainable Long-term Performance

3

1. 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

   9 of 15

   Strong Growth Profile

   Unemployment rates in 9 of our 15 state footprint remain at or below the national average(2) (including 5/8 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)

   20 of 30

   20 of Regions' top 30(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

   ~$5,300 Average consumer NIB account balance(3)

   
   
   

   1. Source: S&P Cap IQ. Top 30 market share as defined by deposit dollars - FDIC as of 6/30/2025; pro-forma for announced M&A transactions as of 7/28/2026. 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 2Q26 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

3

5

7

13

5

19

1

16

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

US

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 7/29/2026. (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

Overall Initiative: ~84% Complete(1)

Early Results Across Our Three Lines of Business...

Modernizing the Customer Experience

Corporate Consumer Wealth

(2)

☑ New Native Mobile App

(1) As of 6/30/2026. Progress includes ~46% completion of incremental banker and revenue-enablement hires, with retail banker reskilling and reallocations largely complete. (2) Growth YTD May '26 vs YTD May '25.

6

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

RF

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

RF

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. 7

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)

RF

Peer Median

20%

3.90%

3.67%

3.66%

3.54%

3.61%

3.36%

3.21%

3.24%

3.21%

3.10%

3.10%

3.13%

2.99% 3.00%

2.85%

2.72%

Avg. Total Deposit Growth

10%

-%

(10)%

1% 2%

FY25 Total Deposit Cost (%)

2020 2021 2022 2023 2024 2025 1Q26 2Q26

RF Peer Median

(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, 8

SSB, PNC, TFC, USB, ZION.

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)

1.92%

2.01%

2.30%

1.77%

1.79% 1.83%

1.89%

1.89%

1.96%

1.95%

2.47%

1.99%

1.97%

2.09%

2.18%

2.19%

2.32%

2.31%

2019 2020 2021 2022 2023 2024 2025 1Q26 2Q26

RF Peer Median

(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. 9

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

Rank: 1

Rank: 1

Rank: 1

17.8% 18.2% 18.3% 19.0%

14.8%

15.1%

9.0%

9.7% 11.0%

14.4%

9.2%

8.4%

14.4%

13.3%

2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1Q26 2Q26

RF

Peer Median

31%

5 Year EPS CAGR (2)(3)

26%

10 Year EPS CAGR(2)(3)

21%

17%

15% 15% 14%

13%

12% 11%

9%

Peer Median: 12%

4%

4%

19%

18%

13%

12%

10% 9%

8%

Peer Median: 8%

6%

6% 6%

4%

4% 4%

RF

RF

Peer 8

Peer 2

Peer 5

-%

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 1

Peer 12

Peer 4

Peer 13

Peer 7

Peer 6

Peer 3

Peer 10

Peer 9

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

10

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

Total Shareholder Return

Strong track record of Shareholder Returns

5 Year Total Shareholder Return

154%

93% 92% 88% 84% 78% 76%

55% 55% 55%

Peer Median: 55%

42% 39% 32%

RF

14%

Peer 12

Peer 7

Peer 8

Peer 1

Peer 5

Peer 4

Peer 3

Peer 11

Peer 6

Peer 2

Peer 13

Peer 9

Peer 10

10 Year Total Shareholder Return

732%

410%

410%

354%

319%

275%

265%

216%

201%

168%

Peer Median: 216%

161%

116%

110%

85%

Peer 12

Peer 1

RF

Peer 5

Peer 6

Peer 7

Peer 3

Peer 2

Peer 11

Peer 8

Peer 4

Peer 9

Peer 10

Peer 13

11

As of 6/30/2026. Peers' include CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION.

Independent Recognition of Customer and Market Leadership

Top industry rankings highlight Regions' ability to win with customers, build trust, and differentiate in key markets

Regions ranked No. 1 among regional banks in the JD Power 2026 U.S. Online Banking Satisfaction Study SM for the sixth time in the past seven years and ranked No. 2 in customer satisfaction with mobile banking apps among regional banks.

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

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

Regions Bank Private Wealth Management division earns two top industry honors at the 2026 Global Private Banking Innovation Awards for the second consecutive year.

12

Driving Sustainable Performance Through People and Innovation

Recognition for workplace excellence, innovation, and specialized expertise

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

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

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

Regions Institutional Services division has been named to the National Association of Plan Advisors' (NAPA) Top Defined Contribution Advisor Teams list.

Regions Named 2026 Gold Recipient of the Bell Seal for Workplace Mental Health

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

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

13

Second Quarter Overview

Continue to deliver consistent, sustainable long-term performance

Highlights

• Proven history of consistently generating top-quartile returns in our peer group(2)

• Delivering continued momentum across core businesses, including a record quarter in Wealth Management

• Benefiting from healthy business activity and stable consumer financial conditions across our footprint

• Advancing digital leadership and technology modernization through:

  • #1 JD Power ranking in Customer Satisfaction for Regional Bank Websites(3)

  • #2 JD Power ranking in Customer Satisfaction with Mobile Banking Apps among Regional Banks(3)

  • Successful deployment of our new commercial lending platform

• Expanding capital markets capabilities and long-term growth opportunities through the July 1, 2026 acquisition of The Frazer Lanier Company

  
  
  

  Key Performance Metrics	2Q26
  	Reported	Adjusted(1)
  Net Income Available to Common Shareholders	$549M	$583M
  Diluted Earnings Per Share	$0.64	$0.68
  Total Revenue	$1,907M	$1,947M
  Non-Interest Expense	$1,121M	$1,116M
  Pre-Tax Pre-Provision Income(1)	$786M	$831M
  Efficiency Ratio	58.3%	56.9%
  Net-Charge Offs / Avg Loans	0.42%	0.42%
  Return on Average Tangible Common Equity(1)	19.01%	20.18%

  (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 provided. (2) Peers

  include CFG, FCNCA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SSB, TFC, USB, ZION. (3) JD Power 2020-2022, and 2024-2026 (tied in 2026) U.S. Banking Online Satisfaction Studies; among banks with $60B to $199B in deposits and 200+ 14

  branches, which measures customer satisfaction with financial institutions' website experience for banking account management. Visit jdpower.com/awards for more details

  NII & Margin Performance

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

  FTE NII and NIM ($ in millions)

  $1,271 $1,261 $1,291

  3.65%

  3.66%

  3.67%

  2Q25 1Q26 2Q26

  NII NIM
  
  

  NII Attribution ($ in millions)

  $1,277

  $1,248

  
  
  

  2Q NII and NIM Drivers

  NII increased 2% QoQ; NIM decreased 1bp to 3.66%

• Strong, broad-based loan growth

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

  • Securities repositioning completed at the beginning of 2Q

• Disciplined deposit and funding cost management

  • 2Q interest-bearing deposit cost(3) -3bps QoQ

  • 2Q cycle-to-date interest-bearing beta(4) =

  37%

• While loan growth and day-count support NII expansion, they negatively impact NIM

(1) Fixed rate asset turnover includes the benefits of loan and securities production at higher market rates than maturities. (2) Other mostly from small offsetting items including loan/lease accrual adjustments, negative credit interest reversals, the mid-quarter debt issuance cost, and other miscellaneous items. (3) Measuring quarterly average costs from 1Q26 to 2Q26. (4) Using a starting point of 3Q24 interest-bearing

deposit costs and peak Fed Funds of 5.50%. 15

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

• 3Q26 NII expected to increase ~2% vs 2Q26, from balance sheet growth, fixed-rate asset turnover, hedging rate increase, and day count

  • Higher long-term interest rates / steeper yield curve (10-year above 4.75%); widening asset spreads

  • Accelerating loan and/or deposit balance growth

  • Interest-bearing deposit costs outperform mid-30%s beta; increasing non-interest bearing deposit mix

  +4%

  Upper End

  Current

  Outlook

  +2.5%

  Lower End

• 3Q26 NIM expected to be stable to modestly higher vs 2Q26, exiting the year at approximately 3.70%

$5,000

$4,000

2016

2015

$3,000

Net Interest Income Trend ($M)

Continuation of long-term growth trajectory after post-pandemic normalization

2026

2025

2024

2023

2022

2021

2020

2019

2018

2017

NII 2026 NII Guidance Range

• Lower long-term interest rates / flatter yield curve (10-year below 4.00%); tightening asset spreads

• Declining loan and/or deposit balances

• Interest-bearing deposit costs underperform mid-30%s beta; decreasing non-interest-bearing deposit mix

• Mostly stable yield curve: range-bound long-term rates (10-year 4.00% to 4.75%)(2)

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

• Mid/high-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. (2) Importantly, "neutral" position to short-term market rate movements reduces the importance of near-term FOMC decisions on NII performance. 16

NII Positioning in an Uncertain Rate Environment

Mostly "neutral" interest rate risk position protected from fed funds changes; modest exposure to long-end rates

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

Next 12 Months Exposure:

10yr UST +0.50%

adds NII of ~$25M full year vs forwards

Market forward case 10yr UST -0.50%

lowers NII by ~$25M 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/high-30%s interest-bearing deposit beta achievable to protect NII from fed funds changes

• 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

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

17

(1) 6/30/26 balance sheet; 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.

Balance Sheet Profile

(As of June 30, 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)

Loans(2)(3)

Other 14%

Fixed Hedges 23%

Cash

4% $161B

Securities 20%

Loans 62%

Liabilities & Equity

Floating

$99B 34%

Fixed (ex Hedges) 43%

Borrowings 5%

Deposits 81%

$161B

Deposits

Time 10%

Equity 12%

Other Wholesale 3% Borrowings(2)

Non-IB 31%

Fixed 32%

$131B

Interest-Bearing 59%

$8B

Floating 68%

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. 18

Balance Sheet Positioning Advantage

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

96%

90% 87% 85%

Loan-to-Deposit Ratio

84% 83% 82% 82% 81% 79%

Peer Median: 82%

2.25

2.12

2.07

1.93 1.93 1.90

1.88

1.80

1.79

1.76 1.76

Peer Median: 1.88%

1.66

1.53

1.33

77% 76% 76%

Total Liability Cost (%)

RF

RF

72%

Peer 1

Peer 2

Peer 3

Peer 4

Peer 5

Peer 6

Peer 7

Peer 8

Peer 9

Peer 10

Peer 11

Peer 12

35% 34%

Non-interest Bearing (NIB) to Total Deposits

Peer 13

Peer 3

31% 29% 27%

Peer 4

Peer 11

Peer 9

Peer 13

Peer 1

Peer 7

Peer 10

Peer 2

Peer 5

Peer 12

Peer 8

Peer 6

16%

Wholesale Borrowings to Total Liabilities (%)

15% 15% 14%

25% 24% 24% 23% 22% 22%

Peer Median: 24%

20% 18% 16%

10% 9% 9% 8% 8%

Peer Median: 9%

6% 6% 5% 4%

RF

3%

Peer 6

Peer 8

RF

Peer 5

Peer 12

Peer 9

Peer 3

Peer 2

Peer 1

Peer 7

Peer 10

Peer 13

Peer 4

Peer 11

Peer 7

Peer 3

Peer 11

Peer 9

Peer 5

Peer 4

Peer 13

Peer 12

Peer 10

Peer 1

Peer 6

Peer 8

Peer 2

**All balances are ending as of 6/30/26; Source: SEC reporting. Peers include CFG, FCNCA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SSB, TFC, USB, ZION. 19

Interest-Bearing Deposit Pricing

Int-Bearing Deposit Rates

6.00%

5.00%

4.00%

Interest-bearing Deposit Cost vs. Peers(1)

5.50%

2.90%

4.50%

3.75%

CD Maturities(2)

3.00%

2.00%

1.00%

1Q18

-%

2.50%

1.03%

0.82%

2.34%

2.46% 2.15%

1.99% 1.69%

3.4%

3.2%

3.0%

3.0%

2.9%

$5.3

$4.3

$1.0

$2.8

$2.9

2Q26 3Q26 4Q26 1Q27 2Q27

3Q18

1Q19

3Q19

1Q20

3Q20

1Q21

3Q21

1Q22

3Q22

1Q23

3Q23

1Q24

3Q24

1Q25

3Q25

1Q26

Volume $B Rate

Fed Funds RF IB Deposit Cost Peer Median

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/composition across the last two cycles

• If the FOMC remains on hold and the rate environment is unchanged in the near-term, expect deposit costs to remain roughly stable

  • In a changing rate environment, expect deposit beta to be in the mid- to upper-30% range

(1) Peers include CFG, FCNCA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SSB, TFC, USB, ZION. (2) CDs excluding brokered CDs; maturities as of 6/30/2026; balances do not include future rollover

20

% of 2Q26 Ending Interest-Bearing Deposits

Interest-Bearing Deposit Mix

Interest-bearing Deposits: $90.2B

(labels represent % of IB Deposits)

39%

Time Deposits

All Other Interest-Bearing Deposits

43%

18%

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

• Beta expectation: 80%-100%

• Accounts with an intermediate rate

• Beta expectation: 20-30%

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

  • $13K avg account balance

  • Avg acct open for 14+ yrs

• Beta expectation: 0-10%

(1) Includes deposits with a rate above 300bps and corporate sweep deposits as well as time deposits maturing in the coming 6 months; any time deposits with a rate above 300bps are included in this cohort. (2)

Comprised of deposits with a rate between 100-300bps 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 21

12 months.

Net Interest Margin History

Generating consistent, sustainable, long-term performance

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 may justify the need for an elevated risk profile

Periods of normalizing monetary policy likely justify a normal/reduced risk tolerance

(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, 22

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

Hedging Strategy Update

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

(Quarterly Avg)

(Annual Avg)

Asset Hedge Notional

1Q27

4Q26

3Q26

2Q26

2032

2031

2030

2029

2028

2027

2026

as of 6/30/2026

Receive-Fixed, Cash Flow Swaps - Loans $23.5B $23.3B $23.5B $23.4B

Pay-Fixed, Fair Value Swaps - AFS Securities $4.2B $4.2B $4.2B $4.2B Net Asset Swap Position(1) $19.3B $19.1B $19.3B $19.2B Cash Flow Swap Receive Rate(3) 3.06% 3.13% 3.16% 3.20%

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

$23.2B $23.2B $21.9B $18.7B $17.5B $11.7B $4.5B

$4.2B $4.2B $4.3B $4.4B $4.9B $5.2B $3.5B

$19.0B $19.0B $17.6B $14.3B $12.6B $6.5B $1.0B

3.10% 3.21% 3.39% 3.57% 3.57% 3.59% 3.65%

3.59% 3.58% 3.58% 3.60% 3.64% 3.65% 3.73%

$2.0B $2.0B $1.7B $1.0B $0.3B $0.3B $0.0B

2Q26 Cash Flow Hedging Focused on Reducing NIM Volatility

Short-term rate protection in future periods

• Added $1.5B in forward-starting, receive-fixed swaps (3.7%), with a weighted average start date in 2028 and a weighted average maturity date in 2031

• Added $1B in forward-starting collars (3.30% floor and 4.75% cap), with a weighted average start date in 2028 and weighted average maturity in 2030

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

• Added $0.25B in forward-starting (November 2026), 5Y receive-fixed swaps (3.8%)

• Terminated $1.5B of 2Q26 fixed rate loan production hedges

  
  
  

  23

  (1) Net Asset Swap Position equals Receive-Fixed Cash Flow Swaps - Loans minus Pay-Fixed Fair Value Swaps - AFS Securities. (2) Legacy collars have weighted avg. floor of 1.86%, weighted avg. cap of 6.22%. Collars executed in 2026 have weighted avg. floor of 3.30%, weighted avg. cap of 4.75%. Collars use short interest rate caps to pay for long interest rate floors; weighted avg. floor of 2.34%, weighted avg. cap of 5.73%. (3) Floating rate leg of swaps vs overnight SOFR.

  Securities Portfolio

  Provides downside rate protection/liquidity

  • Portfolio constructed to protect against changes in market rates

    
    
    

    Securities Portfolio Composition(1)

    • Duration of ~3.9 years (AFS ~3.5 years) as of 6/30/2026; provides offset to long-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 balances, seasoning, and state-specific geographic concentrations

  • 98% US Government or Agency guaranteed

    • ~$400M high quality, investment grade corporate bond portfolio is short-dated (<3.0 year duration) and well diversified across sectors and issuers

    • The Agency CMBS portfolio is guaranteed by government agencies and is

      Corporate Bonds 1%

      
      
      

      Agency CMBS 21%

      $32.7B

      Agency/UST 8%

      Agency MBS 70%

      HTM, 16%

      $32.7B

      AFS, 84%

      collateralized by mortgage loans on multifamily properties

  • 84% classified as Available-for-Sale; 16% Held-to-Maturity

2Q26 Activity

100

Y/Y Change in Yield (bps)

50

• Reinvestment of paydowns/maturities accretive to portfolio yield by ~1.65% (excluding repositioning activity)

• Sold ~$900M short-duration Agency/Govt bullet-like securities at a $40M pretax loss, reinvesting into longer-duration Agency CMBS and MBS at 2.5% higher yields (Previously disclosed with Q1 2026 Earnings)

  • Represents normal duration management, adding downside rate protection

0

-50

Peer 1

Peer 2

Peer 3

-100

49 49

Securities Portfolio Yield Changes(2)

2Q26 AFS+HTM Yield

6.0

25

19

18

4

2 1

-1

-5

-7

-12

-20

-49

4.3 3.4 3.5 3.5 3.7 3.5 3.7 3.2 3.1 3.7 3.7 2.6 3.0 3.4

4.0

2.0

Peer 4

RF

Peer 5

Peer 6

Peer 7

Peer 8

Peer 9

Peer 10

Peer 11

Peer 12

Peer 13

0.0

AFS+HTM Yield Y/Y Change (bps)

(1) Includes AFS securities, the $779M unrealized AFS loss, and HTM securities as of 6/30/2026. (2) As of 6/30/2026 from Earnings Disclosures; Peer set includes CFG, FCNCA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, 24

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

    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)

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

  55%

  50%

  45%

  40%

  35%

  30%

  25%

  20%

  15%

  10%

  5%

  Peer 1

  Peer 2

  Peer 3

  -%

  52%

  48%

  45%

  
  
  

  Peer HTM as % of Portfolio(2)

  6/30/2026

  41%

  32%

  29% 29%

  23% 23% 22% 20%

  17% 16%

  13%

  Peer 4

  Peer 5

  Peer 6

  Peer 7

  Peer 8

  Peer 9

  Peer 10

  Peer 11

  Peer 12

  RF

  Peer 13

• At 6/30/2026, AOCI at risk in AFS in + 100 shock is ~$735M or ~57bps of CET1

• Monetizing Held-to-Maturity security liquidity through collateralized deposits

Securities AOCI Burn Down and Impact to CET1(3)

$1,192

$1,098

0.37%

$911

2%

$724

7%

325

-%

0.0

530

581

399

0.2

484

611

$1,500

AOCI Loss ($M)

$1,250

$1,000

$750

$500

$250

10.00%

CET1

9.50%

9.00%

8.50%

10.04% CET1 Including AOCI Sensitivity(4)

9.76%

9.62%

(863)

9.48%

9.34%

(1,214)

9.19%

(1,395)

(1,576)

8.91%

(1,759)

(1,943)

(2,309)

(500)

AOCI

(1,000)

(1,500)

(2,000)

(2,500)

$-

6/30/2026 YE 2026 YE 2027 YE 2028

AFS HTM CET1 Impact

3.23% 3.73% 3.98% 4.23% 4.48% 4.73% 5.23%

5yr UST

CET1 with AOCI AOCI ($mm)

Cumulative CET1 Impact

(1) 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) As of 6/30/2026 from Earnings Disclosures; Peer set includes CFG, FCNCA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SSB, TFC, USB, ZION. (3) Estimated Tax-Adjusted AOCI, current portfolio, market forward 25

interest rates, and Risk Weighted Assets as of 6/30/2026. (4) Total After Tax AOCI excluding CF Hedges as of 6/30/2026.

Non-Interest Income

Non-Interest Income

($ in millions)

$646 $625 $630

2Q25 1Q26 2Q26

Adj. Non-Interest Income(1)

QoQ Highlights & Outlook

• NIR increased 1% on a reported basis and 7% on an adjusted(1) basis

• Wealth Management income increased 6% and delivered another record quarter (5th in the last 6 quarters), reflecting strong production and favorable market conditions

• Card and ATM fees increased 8%, driven by seasonally higher transaction volumes

• Capital Markets (Ex CVA) increased 4%, driven by improvements in loan syndications, M&A advisory fees, and real estate capital markets, partially offset by lower commercial swap income; Expect quarterly revenue in the $90 - $105M range, trending toward the lower end in 3Q amid market volatility and elevated rates, with momentum building thereafter

• Continue to expect FY26 adjusted non-interest income to grow 3 - 5% vs FY25(4); Based on 1H26 performance, expect to trend toward lower end of the range

($ in millions)

$646

$625

$670

2Q25 1Q26 2Q26

(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.

Non-Interest Income/Total Revenue

Strong Fee Income Generation Supports a Resilient Revenue Profile

2Q26

FY 2025

Peer 1

Peer 2

Peer 3

RF

Peer 4

Peer 5

Peer 6

Peer 7

Peer 8

Peer 9

Peer 10

Peer 11

Peer 12

Peer 13

14.4%

38.3%

36.0%

34.4%

32.3%

31.7%

31.2%

28.4%

27.8%

27.6%

27.0%

23.8%

22.0%

43.6%

Peer 1

Peer 3

Peer 2

RF

Peer 4

Peer 6

Peer 7

Peer 5

Peer 8

Peer 9

Peer 10

Peer 11

Peer 12

Peer 13

14.1%

23.2%

21.0%

29.1%

28.8%

28.5%

27.7%

26.9%

26.8%

34.1%

33.0%

38.1%

37.6%

41.8%

(1) Source: S&P Capital IQ. Peers include CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION. 27

Track Record of Expanding Fee-Based Services

Adjusted Non-Interest Income(1)

($ in millions)

$2,001

$2,585

Proven Non-Interest Income Resiliency

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, Frazer Lanier - Municipal Fin.

    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

Corporate Consumer Wealth Other Consolidated

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(2)

  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

1. 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 28

   currently viewed by management. Amounts in 2011 could not be recast due to lack of available data to create comparable segment disclosures. (2) Highland Associates acquired in 2019; Contributed $7M of NIR in 2025

   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

$201

$151

$159

$188

$169

$65

$101

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

YTD

• 2Q26 Capital Markets revenue ex. CVA/DVA of $86M increased 4% from prior quarter, driven by improvement in M&A Advisory, Loan Syndications, Real Estate Capital Markets activity.

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

  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".

29

Treasury Management & Payments

Strategic Investments Continue to Drive Growth - on Target for another Record Year

Treasury Management & Payments Revenue (1)

8% CAGR

2020 2021 2022 2023 2024 2025 2026 YTD

+5% Treasury Management Revenue (2)

+8% Portfolio of Treasury Management Clients(3)

Earning Recognition for Excellence

2025 Datos Impact Award in Commercial Banking & Payments

Best Innovation in Product Development for Regions Embedded ERP Finance

+14% Digital, Payments & Integrated Services Revenue(4)

Continually Investing in Payments

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

(1) In millions, as of 6/30/26. (2) YTD Treasury Management Revenue Growth, June '26 to June '25. (3) YoY Client Growth, June '26 to June '25. (4) YTD Digital, Payment & Integrated Services Revenue, June '26 to June '25. 30

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)

+13% WM NIR(1)

Wealth Management NIR(1)

($ in millions)

9.1% CAGR

$382 $419

$451 $495 $544

$182

$322 $337

$84

$104 $122 $138 $157

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

Investment Management & Trust Fees Investment Services Fee Income

Expanded Solutions to Meet Evolving Client Needs

• Introduced Crypto ETF investment options, giving clients access to cryptocurrency-related investments

• Launched the Regions Charitable Fund (Donor-Advised Fund), helping clients integrate charitable giving into their strategies.

  Improved Client Education, Advice Delivery, and Engagement

• Upgraded the weekly Friday Market Calls, creating a more interactive experience for clients and improving access to market insights and expert guidance.

• Delivered market insights, educational content, fraud prevention resources, and client events to support informed financial decisions and advisor engagement

  (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) 2Q26 vs. 2Q25 unless otherwise noted. (3)

  31
  
  

  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 2026

  YTD

  Production Revenue Servicing and MSR/Hedge Revenue
  
  

  • Mortgage Income: $65M 2Q26 YTD; $158M FY25

    $242

    $163

    $156

    $158

    $137

    $146

    $109

    $65

    
    
    

  • Portfolio 757 Avg. FICO | 53% current LTV

  • $407K Avg. New Loan Size

  • Production exceeds market in percentage of purchase production volume at 73% in 2Q26 vs 63% for the industry(1)

    Industry-Leading Low-Cost Servicer

    
    
    

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

  • $0.9B 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. 32

Non-Interest Expense

Non-Interest Expense

($ in millions)

56.0%

56.6%

58.3%

$1,073 $1,068 $1,121

Adj. Non-Interest Expense(1)

QoQ Highlights & Outlook

• NIE increased 5% on a reported basis and 4% on an adjusted(1) basis

• Salaries & benefits increased 6%, reflecting higher revenue-based incentives, a full quarter of merit, one additional day in the quarter, and elevated market value adjustments for supplemental employee benefit liabilities

• FDIC insurance assessments decreased 11%, driven by the unsecured debt adjustment (UDA) associated with the company's debt issuance during the quarter

• Maintaining disciplined expense management while continuing to invest across the franchise

• Continue to expect FY26 adjusted NIE (inclusive of investments) to be up 1.5 - 3.5% vs FY25; Anticipate generating FY adj. positive operating leverage(3)

($ in millions)

$1,073 $1,068 $1,116

56.0%

56.6%

56.9%

2Q25 1Q26 2Q26 2Q25 1Q26 2Q26

Non-interest expense Efficiency ratio

Adj. Non-Interest Expense(1)

($ in millions)

$22

$135

2.8% CAGR

Adjusted non-interest expense (1)

Adjusted efficiency ratio(1)

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

$3,387 $3,419 $3,434 $3,443 $3,541 $3,698

$3,886

2016 2017 2018 2019 2020 2021 2022 2023 2024 2025

Adjusted non-interest expense (1)

Include expenses associated with acquisitions (2)

Incremental operational losses

(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

33

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

Efficiency Ratio vs. Peers

2Q26 Efficiency Ratio vs. Peers

FY 2025 Efficiency Ratio vs. Peers

63.0% 63.2%

62.0%

61.1%

58.8%

59.5%

57.9%

56.1%

56.3%

56.5%

55.3%

55.6%

52.8%

50.0%

64.4%

62.6%

63.4%

61.6%

59.7% 59.8%

58.5%

57.3%

57.8%

56.0%

56.4%

56.8% 56.9%

54.6%

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

10

Peer 11

Peer 12

Peer 13

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

13

Peer 11

Peer 12

Peer 10

(1) Efficiency ratios per S&P Global Market Intelligence. Peers include CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION. 34

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

8%

$786M

47%

45%

2%

33%

$99B

65%

2Q26 Pre-tax pre-provision income(1)

2Q26 Average loans

2Q26 Average deposits

6%

31%

$131B

62%

1%

Consumer Corporate Wealth Management Other

1. Pie %'s exclude the pre-tax pre-provision income from the Other Segment totaling ($63). The Other Segment consists primarily of unallocated Treasury functions (securities portfolio and wholesale funding activities),

   35
   
   

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

   Consumer Bank

   10,450

   Associates

   1,246

   Branches

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

   
   
   
   
   

   How our model wins

   4.2M

   Consumer Customers

   365K

   Small Businesses

   All figures as of 2Q26

   1 Primacy-based acquisition strategy

   1,777

   ATMs

   382K

   Mortgage Customers

   leads to granular, low cost deposits

   and NIR

   3

   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

   4

   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)

   #1

   Deposit Cost vs. Peers

   16

   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. FDIC as of 6/30/2025; pro-forma for announced M&A transactions as of 7/28/2026. Top 5 share based on MSA and non-MSA counties. S&P's demographic data is provided by Claritas based 36

   primarily on U.S. Census data.

   
   
   

   Consumer Banking Group

   Driving growth and customer engagement through strategic investments

   Continuing to Deliver Strong Results

   Non-interest bearing deposit balances increased 1% YTD driven by account growth and increased balances within the back book portfolio; Maintained competitive deposit rates while preserving our industry leading deposit costs of 82bps YTD

   16% increase YTD in Mortgage production driven by improved market conditions and incremental campaigns to support launch of ARC tool

   Small Business performance continues to grow; Net checking increased 83 bps YTD; Lending production up 47% YTD; New merchant partnership contributing to 4% increase in referrals YTD

   Home equity production up 9% YTD with improved utilization; Investments in home equity capabilities have improved pull through by 500 bps

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

   Disciplined credit risk management; 2Q26 Net charge-offs of 63bps; Down 7bps YoY and down 6bps vs 1Q26

   Delivering Solid Customer Satisfaction & Loyalty

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

   experiences 6 of the last 7 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 personalized insights, a new feature that delivers tailored financial insights, proactive notifications, and actionable insights based on realtime account activity

   Nearing completion of branch redesign efforts, accelerating hiring to support branch transformation initiatives, and advancing engagement with local real estate brokers across 45 high-priority target markets

   Mass Affluent households have increased 8% YoY while increasing mass affluent market share

   AI branch coaching tool in pilot with over 2,500 practice simulations

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

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

   
   
   
   
   

   1. JD Power 2020-2022, and 2024-2026 (tied in 2026) U.S. Banking Online Satisfaction Studies; among banks with $60B to $199B in deposits and 200+ branches, which measures customer satisfaction with financial

      institutions' website experience for banking account management. Visit jdpower.com/awards for more details. (2) iOS app store rating. 37

      Branch Network Strategy

      Delivering a world-class branch experience through targeted growth

      
      
      Strategic Priorities

      • Nearing completion of branch redesign efforts, accelerating hiring to support branch transformation initiatives, and advancing engagement with local real estate brokers across 45 high-priority target markets.

      • 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

Targeted Expansion and Network Optimization

Investing in High-Growth Priority Markets

135 to 150 1,000 +

Branch Builds Renovations

38

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

61,541

Client Relationships (1)

2,838

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

Powered By

•

•

•

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 2Q26, 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 39

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 0.91% decreased 7bps vs. 1Q26

2Q26 Net charge-offs decreased 15bps to 32bps

• Core Business 27bps

• Ascentium 159bps

Diversified Commercial Real Estate portfolio(1)

that represents 17% of total loans outstandings:

• Office 0.9% of total loans outstanding

Enhancing client soundness with risk mitigation

solutions and education

Profitability

Total Revenue increased 4% vs prior year, driven by growth in Loan & Deposit balances, Capital Markets, and Treasury Management

Treasury Management Revenue increased 5% vs. prior year, driven by client base growth of 8%(2)

Capital Markets ex. CVA/DVA increased 4% vs. 1Q26 driven by improvement in M&A Advisory, Loan Syndications, Real Estate Capital Markets activity.

Non-Interest Expense management remains a top priority with 2Q26 Efficiency Ratio of 45.3%

Growth

Average loan balances grew 6% YoY ; commitments

increased 7% YoY, reflecting momentum in our local, expertise-driven relationship model

Launched a new commercial

lending platform, improving processing speed, efficiencies and mobile-enabled capabilities

Expanded capital markets, municipal finance, and investment banking capabilities through the acquisition of Frazer Lanier, enhancing offerings for public, corporate, and institutional clients

Continued investing in talent, hiring 65 client-facing roles since the start of 2025

Delivered ~40% growth in new commercial logos YTD(3)

SBA production up 21% QoQ driven by strong banker performance and targeted market investments

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

(1) Total loans is representative of total bank, as of 6/30/2026. (2) YTD TM revenue June '26 to June '25; YoY Client Growth, June '26 to June '25. (3) Growth YTD May '26 vs YTD May '25. 40