REGIONS FINANCIAL CORP — Form 8-K

Regions Financial reported third-quarter 2026 net income available to common shareholders of $611 million, or $0.71 diluted EPS (adjusted $0.73 on $622M adjusted net income). Average loans grew 0.5% QoQ to $99.2B; ending loans rose 0.6% to $99.8B, driven by broad-based C&I growth. Average deposits declined 1.2% QoQ to $129.1B; ending deposits fell 0.9% to $129.5B, primarily from large commercial client reallocation and seasonal public fund outflows. Net interest income increased 1.6% QoQ to $1,298M; NIM expanded 2bps to 3.68%. Non-interest income rose 7.1% to $675M, with record Capital Markets income (ex-CVA/DVA) up 23%. Net charge-offs improved to 29bps annualized (down 13bps); NPLs declined 8bps to 0.59%; provision $68M maintained ACL at $1.609B (1.61% of loans).