Third Quarter 2026 Quarterly Investors Information

Exhibit 99.1

November - December

Internal Use

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 2.8% 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.

Home field advantage in the southeast

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)

2.8%

Regions' deposit weighted population growth by MSA for 2027-2032 is 2.8% vs. national average of 2.2%(1)

21 of 30

21 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

20th Ranked 20th in the U.S. in total deposits(1)

~2/3s Top 5 market share in ~2/3s of MSAs across 15-state footprint(1)

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

~$5,200 Average consumer NIB account balance(3)

~$900 Median consumer NIB account balance

(1) Source: S&P Cap IQ. Top 30 market share as defined by deposit dollars - FDIC as of 6/30/2026; pro-forma for announced M&A transactions as of 10/26/2026. Top 5 share based on MSA and non-MSA counties. S&P's 4

demographic data is provided by Claritas based primarily on 2025 U.S. Census data. (2) Source: U.S. Bureau of Labor Statistics. (3) Based on 3Q26 average balances.

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...

$14.9B

Deposit Growth in Priority Markets(1) since 2019

6 of 8

Priority Markets(1) Gaining Share since 2019

59% vs. 49%

Regions Deposit Growth(1) since '19 Outpacing Market

Maximizing Growth Opportunities

$1.7T

Priority Market Growth Opportunities(1)

'27-'32 Population Growth(3)

4.93%

2.82%

Deposit Opportunity (RF $40B)(2)

2.20%

US

Regions Footprint

Priority Markets

Priority Markets '27-'32 Projected Population Growth(3)

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

Nat'l avg: 2.2%

5.8%

4.0%

3.9%

2.2%

6.1%

7.8%

6.3%

6.8%

$9.7

$7.2

$6.6

$5.5

$3.0

$2.8

$2.8

$2.5

9.0%

8.0%

2.7%

1.6%

4.3%

22.6%

0.6%

0.7%

3

5

7

13

5

1

20

17

(1) Priority markets include: Tampa, Orlando, Miami/SFL, Houston, Dallas/FW, Nashville, Atlanta, and Huntsville. (2) RF deposits in Priority Markets as of 6/30/2026. Data Source: FDIC Deposit Data not adjusted for

announced M&A. (3) Source: S&P Capital IQ. S&P's demographic data is provided by Claritas based primarily on 2025 U.S. Census data. All S&P Cap IQ data are inclusive of announced M&A as of 10/26/2026. 5

Expanding talent and capabilities in markets with greatest opportunity

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

  ~870

  productivity

  Personalization Powered by AI

  ☑ RegionsClientIQ ☑ WealthIQ

  •

  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

  • A machine-learning data product for Wealth Management advisors to identify revenue opportunities and provide key client insights

  •

  ☑ SmallBusinessIQ

  Identifies personalized solutions for small business owners

  ☑ 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

  ~ 87%

Overall Initiative: ~87% Complete(1)

Early Results Across Our Three Lines of Business...

Modernizing the Customer Experience

Corporate Consumer Wealth

☑ New Native Mobile App

(1) As of 9/30/2026. Progress includes ~57% completion of incremental banker and revenue-enablement hires, with retail banker reskilling and reallocations largely complete. (2) Aug '23 to Aug '26. 6

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

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%

3.54%

3.61%

3.67%

3.66%

3.68%

3.36%

3.21%

3.24%

3.21%

3.23%

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 3Q26

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.

Sustained advantage in risk efficiency

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

2.50%

2.47%

2.31%

2.32%

2.19%

2.18%

2.09%

1.97%

1.99%

2.01%

1.96%

1.92%

1.89%

1.89%

1.85%

1.79%

1.83%

1.77%

2.30%

1.95%

2019 2020 2021 2022 2023 2024 2025 1Q26 2Q26 3Q26

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

Supports a higher P/E multiple

Peer Leading ROATCE(1) For 5 Straight Years

Rank: 1

17.6%

Rank: 1

Rank: 1

21.4%

24.1%

21.9%

Rank: 1

Rank: 1

Rank: 1

17.8% 18.2% 18.3% 19.0%

Rank: 1

Rank: 1

21.3%

12.0%

10.3%

12.9%

16.0%

14.9%

14.4%

9.2%

16.1%

18.1%

15.0%

14.4%

15.1%

13.3%

14.8% 15.1%

9.0% 9.7% 11.0%

8.4%

2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1Q26 2Q26 3Q26

RF Peer Median

31%

5 Year EPS CAGR (2)(3)

21% 17% 15% 15% 14%

Peer Median: 12%

26%

19% 18%

10 Year EPS CAGR(2)(3)

4%

13% 12% 11% 9%

4%

RF

-%

13%

12% 10% 9% 8%

Peer Median: 8%

RF

6% 6% 6% 4% 4% 4%

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 8

Peer 2

Peer 5

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.

Strong track record of Shareholder Returns

5 Year Total Shareholder Return

149%

75%

71%

67%

67%

55%

51%

44%

37%

23%

21%

Peer Median: 44%

20% 19%

-%

Peer 1

Peer 2

Peer 3

Peer 4

Peer 5

RF

Peer 6

Peer 7

Peer 8

Peer 9

Peer 10

Peer 11

Peer 12

Peer 13

10 Year Total Shareholder Return

626%

293% 276% 251% 243%

191% 169% 151% 150% 135%

Peer Median: 151%

Peer 1

RF

Peer 5

Peer 7

Peer 8

Peer 2

Peer 3

Peer 9

Peer 4

Peer 6

113% 95% 85% 67%

Peer 11

Peer 12

Peer 10

Peer 13

As of 9/30/2026. Peers' include CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION. 11

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

Regions ranked No.1 in Customer Satisfaction for Small Business Banking in the JD Power 2026 U.S. Small Business Banking Satisfaction Study(1) and was ranked No.1 in Customer Satisfaction among Regional Bank Websites in the JD Power 2026 U.S. Online Banking Satisfaction Study(2)

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

(1) Regions Bank received the highest score in the JD Power 2026 U.S. Small Business Banking Satisfaction Study, which measures small business owners' satisfaction with their primary business bank. Visit jdpower.com/awards for more details. (2) Regions Bank received the highest score among regional banks ($60B to $199B in deposits and 200+ branches) in the JD Power 2020-2022, and 2024-2026 (tied in 2026) U.S.

Online Banking Satisfaction Studies, which measure customer satisfaction with financial institutions' online experience for banking account management. Visit jdpower.com/awards for more details. 12

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 Private Wealth Management Earns 2026 Datos Impact Award for Best Innovation in Financial Planning

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

Regions Bank was again recognized as a Silver Status Military Friendly and Military Spouse Friendly Employer for 2026

13

Continue to deliver consistent, sustainable long-term performance

• Proven history of consistently generating best-in-class returns in our peer group(2)

• Investing in talent, technology, products, and key markets to strengthen long-term competitiveness

• Maintaining strong credit quality while actively managing risk

• Record Capital Markets revenue (ex CVA/DVA) and Treasury Management performance drove strong fee-based business momentum

• Advancing cloud-based deposit platform implementation and broader modernization efforts

• Well-positioned for continued growth supported by a strong franchise, healthy customer relationships, and disciplined execution

(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. 14

Well protected NII & margin; growth from balance sheet repricing and expansion

3QNII and NIM Drivers

NII increased 2% QoQ; NIM increased 2bps to 3.68%

• Positioned well to benefit from elevated/increasing long-term interest rates through fixed-rate asset turnover

  • Higher long-term rates enhanced the NII benefit from fixed-rate asset turnover relative to 2Q(4)

  • Sold ~$845M of Agency CMBS/CMOs at $15M pre-tax loss; reinvested proceeds in Agency MBS at higher market yields

• Higher hedge receive rate; legacy maturities replaced by forward starting swaps

• Mostly stable deposit cost QoQ driven by disciplined deposit cost management

  • 3Q interest-bearing deposit cost +1bps QoQ

  • Expect terminal rising rate beta of mid/high 30%s, supporting a neutral short-term rate risk position

FTE NII and NIM ($ in millions)

$1,269 $1,291 $1,314

3.59%

3.66%

3.68%

3Q25 2Q26 3Q26

NII NIM

$1,298

$1,277

NII Attribution ($ in millions)

4Q 2026 Expecations

• 4Q26 NII expected to increase 1 - 2%(5) vs 3Q26, supported by higher rates, structural repricing, deposit cost discipline, balance sheet growth, and the seasonal HR asset dividend

• 4Q26 NIM expected to be ~3.70%

(1) Fixed rate asset turnover includes the benefits of loan and securities production at higher market rates than maturities and securities premium amortization net discount accretion. (2) Other includes positive

credit interest recoveries, the 2Q debt issuance cost, and other miscellaneous items. (3) Incremental NII driven by securities repositions done at the beginning of 2Q and middle of 3Q. (4) New fixed-rate asset yields 15

were approximately 100bps above maturing asset yields in 3Q, compared with 85bps in 2Q. (5) Current expectations assume next Fed rate hike occurs in December and stable long-term rates.

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 ~$35M full year vs forwards

Market forward case 10yr UST -0.50%

lowers NII by ~$35M 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

16

(1) 9/30/26 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.

(As of September 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

  • 2.4 year asset duration

  • 2.4 year liability duration

Assets(1)

Loans(2)(3)

Other 15%

Fixed Hedges 24%

Cash 5%

$163B

Securities 19%

Loans 61%

Liabilities & Equity

Floating

$100B 33%

Fixed (ex Hedges) 43%

Deposits $163B

Borrowings 6%

Other

Deposits

Time 10%

79%

4% Wholesale

Equity 11%

Borrowings(2)

Fixed 23%

Non-IB 31%

$130B

Interest-Bearing 59%

$10B

Floating 77%

(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. 17

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

Loan-to-Deposit Ratio

90% 88% 86% 85% 85%

Total Liability Cost (%)

82% 81% 80% 80% 78% 78%

Peer Median: 81%

2.30

2.10 2.09

1.96 1.96 1.93 1.93

1.83 1.82 1.82 1.82

Peer Median: 1.93%

1.72

1.60

1.35

77% 75% 73%

Peer 1

Peer 2

Peer 3

Peer 4

Peer 5

Peer 6

Peer 7

Peer 8

Peer 9

Peer 10

Peer 11

RF

Peer 12

Peer 13

Peer 5

Peer 4

Peer 11

Peer 7

Peer 2

Peer 10

Peer 13

Peer 9

Peer 3

Peer 12

Peer 1

Peer 8

Peer 6

RF

Non-interest Bearing (NIB) to Total Deposits

34%

33%

31%

27% 27%

25%

23% 23% 23%

22%

21%

Peer Median: 23%

18% 18%

16%

11% 11%

10% 10%

9%

9%

Peer Median: 9%

7% 7%

5%

4% 4%

2%

14% 13%

Wholesale Borrowings to Total Liabilities (%)

Peer 8

Peer 6

RF

Peer 12

Peer 3

Peer 10

Peer 1

Peer 2

Peer 5

Peer 9

Peer 7

Peer 4

Peer 13

Peer 11

Peer 7

Peer 10

Peer 11

Peer 5

Peer 3

Peer 13

Peer 4

Peer 9

RF

Peer 12

Peer 2

Peer 6

Peer 8

Peer 1

**All balances are ending as of 9/30/26; Source: S&P Cap IQ and SEC Reporting. Peers include CFG, FCNCA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SSB, TFC, USB, ZION. 18

Deposit pricing outperformance expected to persist

Interest-bearing Deposit Cost vs. Peers(1)

CD Maturities(2)

Int-Bearing Deposit Rates

6.00%

5.00%

4.00%

5.50%

2.90%

4.50%

3.0%

3.1%

3.2%

2.7%

$2.9

$2.9

$5.2

3.2%

3.79%

3.00%

2.00%

1.00%

1Q18

-%

2.50%

1.03%

0.82%

2.46% 2.24%

2.34% 1.99%

1.70%

3Q26 4Q26 1Q27 2Q27 3Q27

3Q18

1Q19

3Q19

1Q20

3Q20

1Q21

3Q21

1Q22

3Q22

1Q23

3Q23

1Q24

3Q24

1Q25

3Q25

1Q26

3Q26

Volume $B Rate

Fed Funds RF IB Deposit Cost Peer Median

• 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

  • Outperformance driven by deposit mix

• Assuming federal funds rate hikes, expect interest-bearing deposit beta in the mid-to high-30% range in the long run

  • Expect to outperform on deposit cost in the near-term as deposit pricing lags recent hike

(1) Peers include CFG, FCNCA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SSB, TFC, USB, ZION. (2) CDs excluding brokered CDs; maturities as of 9/30/2026; balances do not include future rollover 19

Interest-bearing Deposits: $88.7B

(labels represent % of IB Deposits)

All Other Interest-Bearing Deposits

18%

% of 3Q26 Ending Interest-Bearing Deposits

40%

Time Deposits

• 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 320bps and corporate sweep deposits as well as time deposits maturing in the coming 6 months; any time deposits with a rate above 320bps are included in this cohort. (2)

Comprised of deposits with a rate between 100-320bps 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 20

12 months.

Generating consistent, sustainable, long-term performance

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

Rising Rates

Underperformance given elevated rate risk exposure and other correlated risks

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

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

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, 21

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

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

(Quarterly Avg)

(Annual Avg)

2Q27

1Q27

4Q26

3Q26

2032

2031

2030

2029

2028

2027

2026

as of 9/30/2026

Receive-Fixed, Cash Flow Swaps - Loans $23.2B $23.6B $23.5B $23.6B

Pay-Fixed, Fair Value Swaps - AFS Securities $4.3B $4.8B $4.8B $4.8B Net Asset Swap Position(1) $18.9B $18.8B $18.7B $18.8B Cash Flow Swap Receive Rate(3) 3.14% 3.20% 3.24% 3.24%

AFS Fair Value Swap Pay Rate(3) 3.60% 3.69% 3.69% 3.69% Cash Flow Collars - Loans(2) $2.0B $2.0B $2.0B $2.0B

$23.2B $23.3B $22.0B $18.9B $17.2B $11.7B $5.6B

$4.4B $4.8B $4.9B $4.9B $5.1B $5.3B $4.1B

$18.8B $18.5B $17.1B $14.0B $12.1B $6.4B $1.5B

3.11% 3.25% 3.44% 3.62% 3.61% 3.64% 3.82%

3.62% 3.69% 3.69% 3.69% 3.71% 3.72% 3.94%

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

3Q26 Asset Hedging Activity

Cash Flow Hedging

Focused on reducing NIM volatility

Fair Value Hedging

Focused on reducing AOCI volatility

Securities fair value hedges

(with offsetting NIM sensitivity transaction)

• Added $1.6B in avg start 2030, 5.6Y avg receive-fixed swaps (4.6%) with avg maturity in 2035 to offset interest rate risk associated with fair value AOCI hedges

• Added $1.6B in avg start 2030, 5.6Y avg pay-fixed swaps (4.7%) with avg maturity in 2035 to reduce sensitivity of AFS securities AOCI

  Short-term rate protection in future periods • Added $500M 3Y receive-fixed swaps (4.3%)

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

• Terminated $1.0B in fixed asset turnover swaps hedging 3Q26

  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) 22

Floating rate leg of swaps vs overnight SOFR.

Provides downside rate protection/liquidity

Securities Portfolio Composition(1)

• Portfolio constructed to protect against changes in market rates

  • Duration of ~3.8 years (AFS ~3.5 years) as of 9/30/2026; provides offset to long-duration deposit book

  • 27% 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

  • ~$393M 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 collateralized by mortgage loans on multifamily properties

Corporate Bonds 1%

Agency CMBS 21%

$31.5B

Agency/UST 8%

3Q26 Activity

• Reinvestment of paydowns/maturities accretive to portfolio yield by ~1.64% (excluding repositioning activity)

• Sold ~$845M Agency CMBS and CMOs at a $15M pre-tax loss, reinvesting into Agency MBS and picking ~100 basis points of yield

  • Represents normal duration management, adding downside rate protection

Agency MBS 70%

HTM, 16%

$31.5B

AFS, 84%

(1) Includes AFS securities, the $1.74B unrealized AFS loss, and HTM securities as of 9/30/2026. 23

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) 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)

  Tactic Implementation

  9.5%

  CET1

  9.0%

  8.5%

  8.0%

  7.5%

  9.6%

  CET1 Including AOCI Sensitivity(2)(3)

  9.4%

  9.2%

  9.1%

  8.9%

  8.8%

  (1.6)

  8.6%

  (1.9)

  (2.1)

  (2.3)

  (2.4)

  (2.6)

  9/30/2026

  (3.0)

  (0.5)

  (1.0)

  AOCI ($B)

  (1.5)

  (2.0)

  (2.5)

  (3.0)

  (3.5)

• At 9/30/2026, AOCI at risk in AFS in + 100 shock is ~$680M or ~52bps of CET1

  • Subsequent to quarter-end, added $2.8 billion pay fixed swaps in AFS Fair Value strategies, focused on reducing CET1 sensitivity

  • At 10/28/2026, AOCI at risk in AFS in + 100 shock is ~$595M or ~46bps of CET1

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

4.1% 4.6% 4.8% 5.1% 5.3% 5.6% 6.1%

5yr UST

CET1 with AOCI AOCI ($B)

CET1 Sensitivity in +/- 25 Shock(3)

0.216%

0.144%

0.116%

0.240%

CET1 Sensitivity

0.210%

0.180%

0.150%

9/3/2024

2/28/2025

4/30/2025

6/30/2025

8/29/2025

2/27/2026

4/30/2026

6/30/2026

8/31/2026

0.120%

10/31/2024

12/31/2024

10/31/2025

12/31/2025

10/28/2026

(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 24

loans. (2) Total After Tax AOCI excluding CF Hedges as of 9/30/2026. (3) Represents current RWA framework (i.e., pre Basel III Endgame implementation).

Non-Interest Income

$659

$630

$675

($ in millions)

3Q25 2Q26 3Q26

Adj. Non-Interest Income(1)

($ in millions)

$684 $670 $690

3Q25 2Q26 3Q26

• NIR increased 7% on a reported basis and 3% on an adjusted(1) basis

• Record Capital Markets revenue (Ex CVA/DVA) increased 23%, driven by stronger M&A advisory activity, securities underwriting & placement fees, commercial swap income, and syndications revenue; 4Q revenue expected within the $90 -

  $105M range

  ($ in millions)	3Q26	Change 2Q26	vs 3Q25
  Service Charges - Consumer(2)	$106	6.0%	7.1%
  Service Charges - Corporate(3)	$64	(3.0)%	4.9%
  Wealth Management Income	146	(2.7)%	5.0%
  Card and ATM Fees	126	-%	3.3%
  Capital Markets (Ex CVA/DVA)	106	23.3%	1.9%
  Mortgage Income	32	(3.0)%	(15.8)%
  Other	45	28.6%	(22.4)%

• Service charges increased 2%, inclusive of record quarterly Treasury Management results, 1 additional day, and seasonally higher consumer related activity

• Commercial credit fees, bank-owned life insurance income, and other NIR also contributed to growth

• Market value adjustments for employee benefit assets decreased $28M but were largely offset in NIE

• Wealth Management income decreased 3%, driven by lower production volumes compared to a record 2Q

• Continue to expect FY26 adjusted non-interest income to grow 3 - 5% vs FY25,(4) with results currently tracking toward the lower end of the range

(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 25

to this non-GAAP measure.

Strong Fee Income Generation Supports a Resilient Revenue Profile

3Q26

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

13.7%

31.1%

30.6%

30.4%

28.5%

27.5%

25.9%

25.5%

22.7%

22.5%

36.4%

36.2%

34.7%

44.2%

Peer 1

Peer 2

Peer 3

RF

Peer 4

Peer 6

Peer 8

Peer 5

Peer 7

Peer 9

Peer 10

Peer 12

Peer 11

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. 26

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 $92B

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 27

   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

$275

$201

$151

$159

$188

$65

$101

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

YTD

• 3Q26 Capital Markets revenue ex. CVA/DVA of $106M increased 23% from prior quarter, driven by stronger M&A advisory activity, securities underwriting & placement fees, commercial swap income and syndications revenue.

• 4Q Capital Markets revenue ex. CVA/DVA is expected within the $90M-$105M range.

  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". 28

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

Cash Management Innovation: Clip Money

Regions is the first bank to launch this partnership with Clip Money, expanding commercial cash management capabilities to more than 8,100 locations nationwide. This solution helps businesses modernize cash deposits with greater convenience, visibility, security and control, while advancing Regions' broader strategy and continued investments in payments modernization and cash management innovation.(5)

8% CAGR

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 CashFlow IQ, offering accounts payable, accounts receivable, invoicing, and bill payment solutions

Improving client refund, rebate and other payment distribution efficiencies with

ReimbursePro by enabling fast, secure delivery through recipients' preferred channels

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

2020 2021 2022 2023 2024 2025 2026 YTD (1)

+6% Treasury Management YTD Revenue(2)

+8% Portfolio of Treasury Management Clients(3)

+12% Trade Finance NIR(4)

Earning Recognition for Excellence

2025 Datos Impact Award in Commercial Banking & Payments

Best Innovation in Product Development for Regions Embedded ERP Finance

(1) $'s in millions, as of 9/30/26. (2) YTD Treasury Management Revenue Growth, September '26 to September '25. (3) YoY Client Growth, September '26 to September '25. (4) Trade Finance NIR +12% YTD, as of 9/30/26. 29

(5) Partnership with Clip Money announced October 27, 2026.

Specialized expertise and tailored investment guidance to manage and grow wealth

Growing our Wealth Management Business(2)

+5% Total Client Assets(3)

+9% Total WM Relationships(4)

+5% 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

Regions Investment Services Voice of the Client results reinforce strong client satisfaction and advisor engagement

• Overall Satisfaction scores were high with 4.67/5.00

• 86% of clients rated their advisors 5-stars

• Clients who engaged in recent planning conversations reported stronger outcomes across all measures

  Advisor Enablement & Productivity Improvements

• Launched a new weekly market insights initiative that provides advisors with market commentary and client communication guidance to support timely client outreach and to help promote investment conversations

  (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) 3Q26 vs. 3Q25 unless otherwise noted. (3) 30

  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: $97M 3Q26 YTD; $158M FY25

    $242

    $163

    $156

    $158

    $137

    $146

    $109

    $97

  • Portfolio 757 Avg. FICO | 52% current LTV

  • $393K Avg. New Loan Size

  • Production exceeds market in percentage of purchase production volume at 80% in 3Q26 vs 73% for the industry(1)

    Industry-Leading Low-Cost Servicer

  • $92B servicing portfolio(2) as of 3Q26 with appetite for future growth

  • $11.5B in MSRs acquired YTD with bulk and flow purchases

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

  • Servicing expense 21% lower than peer average(3)

    Delivery Efficiency

  • 15% lower origination and fulfillment cost than peer average(3)

  • Investing in omnichannel capabilities

  • Partnership with retail bank is competitive advantage

(1) Mortgage Bankers Association - Oct 2026 Forecast. (2) Includes residential owned portfolio and serviced for others. (3) MBA/Stratmor PGR 1H2026. 31

Non-Interest Expense

($ in millions)

$1,103 $1,121 $1,118

Adj. Non-Interest Expense(1)

QoQ Highlights & Outlook

• NIE was relatively stable on both a reported and adjusted(1) basis

• S&B remained well controlled, as increases in base salaries and revenue-based incentives were offset by lower market value adjustments for supplemental employee benefit liabilities

• Continued investments in technology and infrastructure drove a 6% increase in equipment and software expense

• 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)

$1,111 $1,116 $1,118

57.2%

58.3%

56.2%

56.9%

56.9%

55.8%

3Q25 2Q26 3Q26

Non-interest expense Efficiency ratio

3Q25 2Q26 3Q26

Adjusted non-interest expense (1)

Adjusted efficiency ratio(1)

Adj. Non-Interest Expense(1)

($ in millions)

$22

$135

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)

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 32

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

63.0%

60.2%

60.6%

61.2%

58.6%

56.2%

56.6%

57.1%

55.5%

54.1%

54.3%

55.0%

53.1%

51.6%

64.4%

62.6%

63.4%

61.6%

59.7% 59.8%

58.5%

57.3%

57.8%

56.0%

56.4%

56.9% 56.9%

54.6%

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

10

Peer 11

Peer 12

Peer 13

Peer 4 Peer 7 RF Peer 3 Peer 5 Peer 2 Peer 1 Peer 8 Peer 6 Peer 9 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. 33

• 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

7%

42%

$855M

51%

2%

33%

$99B

65%

3Q26 Pre-tax pre-provision income(1)

3Q26 Average loans

3Q26 Average deposits

6%

30%

$129B

62%

2%

Consumer Corporate Wealth Management Other

(1) Pie %'s exclude the pre-tax pre-provision income from the Other Segment totaling ($18). The Other Segment consists primarily of unallocated Treasury functions (securities portfolio and wholesale funding activities), 34

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

10,364

Associates

1,246

Branches

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

How our model wins

4.2M

Consumer Customers

366K

Small Businesses

All figures as of 3Q26

1 Primacy-based acquisition strategy

1,775

ATMs

380K

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:

~2/3rd

Top 5 Market share in ~2/3rd of MSAs across 15-state footprint(1)

#1

Deposit Cost vs. Peers

15

Top 5 Branch share in 15 of our top 20 markets

and differentiates us from competition

Competitive Advantage Business Outcomes

years

Long standing presence in markets Presence in markets averaging 74

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 30 market share as defined by deposit dollars - FDIC as of 6/30/2026; pro-forma for announced M&A transactions as of 10/26/2026. Top 5 share based on MSA and non-MSA counties. 35

Driving growth and customer engagement through strategic investments

Continuing to Deliver Strong Results

Maintained competitive deposit rates driving balance growth of 1% YoY while preserving our industry leading deposit costs of 82bps YTD

Small Business performance continues to grow; Net checking increased 1.2% YTD; lending production up 46% YTD; new merchant partnership 7% increase in referrals YTD

Home equity production up 20% YoY with improved utilization; 3Q production achieved the highest level since 2022

New credit card accounts up 10% YoY, highest since 2019; increased penetration among existing customers

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

Disciplined credit risk management; 3Q26 Net charge-offs of 65bps; Down 9bps YoY

Delivering Solid Customer Satisfaction & Loyalty

JD Power(1) ranked Regions Bank No. 1 in Customer Satisfaction for Small Business Banking in the JD Power 2026 U.S. Small Business Banking Satisfaction Study

JD Power(2) ranked Regions Bank No. 1 in Customer Satisfaction among Regional Bank Websites in the JD Power 2026 U.S. Online Banking Satisfaction Study

Regions Bank earned the No. 2 spot on American Banker's list of top banks by reputation for the second consecutive year

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(3)

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

Branch build site searches in progress across the footprint, targeted in high-growth priority markets. Several preferred sites secured, with additional sites identified and under negotiation

Increased Mass Affluent market share as mass affluent households grew 9% YoY

Full roll out of AI branch coaching tool launched with over 16,000 practice simulations

Returned over 250K hours of banker capacity through process simplification and automation, so bankers can focus more on serving customers

1. Regions Bank received the highest score in the JD Power 2026 U.S. Small Business Banking Satisfaction Study, which measures small business owners' satisfaction with their primary business bank. Visit

   jdpower.com/awards for more details. (2) Regions Bank received the highest score among regional banks ($60B to $199B in deposits and 200+ branches) in the JD Power 2020-2022, and 2024-2026 (tied in 2026) U.S. 36

   Online Banking Satisfaction Studies, which measure customer satisfaction with financial institutions' online experience for banking account management. Visit jdpower.com/awards for more details.

   Branch Network Strategy

   Delivering a world-class branch experience through targeted growth

   Strategic Priorities

   • 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

   • Branch build site searches in progress across the footprint, targeted in high-growth priority markets. Several preferred sites secured, with additional sites identified and under negotiation

   • 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

37

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

~61,000

Client Relationships (1)

2,824

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 3Q26, 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

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

Soundness

Active credit risk and portfolio management

remains a top priority

• 3Q26 NPLs decreased 13bps to 0.78%

• 3Q26 Net charge-offs decreased 20bps to 12bps

  • Core Business 5bps

  • Ascentium 174bps

    Diversified Commercial Real Estate portfolio(1) that represents 17% of total loans outstandings:

• Office 0.8% of total loans outstanding

Asset quality in portfolios of Interest (CRE, CRE-Office and Transportation) continue to improve.

Enhancing client soundness with risk mitigation

solutions and education

Profitability

Total Revenue increased 5% vs prior year, driven by growth in Loan & Deposit balances, Capital Markets, and Treasury Management

Grew Non-Interest Revenue 7% YoY reflecting record quarters for TM and Capital Markets (including strong contributions from Frazier Lanier)

TM revenue up 8% YoY driven by a 170bps increase in penetration and 8% growth in TM relationships(2)

Frazier Lanier revenue exceeding expectations since July acquisition

Non-Interest Expense management remains a top priority with 3Q26 Efficiency Ratio of 42.7%

Growth

Grew average loan balances 6% YoY in 3Q26, with commitments up 6% YoY, reflecting momentum in our local, expertise-driven relationship model, and ongoing investments in revenue-producing talent.

Expanded Specialized Industries Group with the Launch of a Materials and Infrastructure Group

Expanded Corporate Banking capabilities with the launch of Regions Whole Loan Advisory, designed to help financial institutions buy, sell and manage whole-loan portfolios

Delivered 30%(3) growth in new commercial logos YTD, reflecting strategic focus on emerging commercial and middle market segments

(1) Total loans is representative of total bank, as of 9/30/2026. (2) YoY Client Growth, Sept '26 to Sept '25, excludes Branch Small Business. (3) Growth YTD Sept '26 vs YTD Sept '25. 39

Specialized expertise and tailored investment guidance to manage and grow wealth

1,280

Associates

241K

Total Relationships(1)

$191.7B

Total Client Assets

Investment Services

Mass & Mass Affluent

209K

Accounts

Private Wealth Management

HNW to UHNW

Individuals & Families

17K

Relationships

Institutional Services

Corporations & Government Entities

14K

Accounts

All figures as of 3Q26

40

How Our Model Wins

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

(1) Total Relationships consists of Total Private Wealth Relationships, Institutional Accounts, Highland Accounts, and Investment Services Accounts; reported on a one-month lag