---
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"
generated_at: "2026-05-18T05:36:03.221993+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Regions Q2 net income $534M, EPS $0.59; NIM expands to 3.65%; dividend raised 6%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001281761-25-000058
- JSON: https://secwatch.observer/filing/0001281761-25-000058.json
- Plain text: https://secwatch.observer/filing/0001281761-25-000058.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.