{"schema_version":"secwatch.filing_event.v1","accession":"0001281761-25-000058","form_type":"8-K","ticker":"RF","cik":"0001281761","company_name":"REGIONS FINANCIAL CORP","filed_at":"2025-07-18T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.574133+00:00","generated_at":"2026-05-18T05:36:03.221993+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Regions Q2 net income $534M, EPS $0.59; NIM expands to 3.65%; dividend raised 6%","bullets":["Net income available to common $534M ($0.59 diluted EPS); adjusted EPS $0.60; revenue $1.905B.","Net interest income $1.271B (+5% QoQ); NIM 3.65% (+13bps); NII guidance 3-5% growth for 2025.","Average loans stable at $96.1B; ending loans up 1%; average deposits up 1% to $129.4B; deposit costs down to 1.39%.","Asset quality: NCOs $113M (0.47% annualized); NPLs 0.80%; ACL ratio 1.80%.","Common dividend raised 6% to $0.265/share; $144M share repurchases; CET1 ratio 10.7%."],"urls":{"canonical":"https://secwatch.observer/filing/0001281761-25-000058","json":"https://secwatch.observer/filing/0001281761-25-000058.json","markdown":"https://secwatch.observer/filing/0001281761-25-000058.md","text":"https://secwatch.observer/filing/0001281761-25-000058.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1281761/000128176125000058/0001281761-25-000058-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1281761/000128176125000058/rf-20250718.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T05:36:03.221993+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}