REGIONS FINANCIAL CORP (RF) Risk Factors

Recent key developments

Concrete developments — dated events, named agreements and instruments, legal proceedings — that REGIONS FINANCIAL CORP surfaced in its latest filing.

• The benchmark Federal funds rate reached a peak range between 5.25% and 5.50% in 2023 and into 2024 before the FOMC reduced it to a range of 3.50% to 3.75% in 2024 and 2025.2024 and 2025
• In 2025, the Company sold 50.0% of the mortgage loans it originated to the Agencies.2025
• As of December 31, 2025, the Company's home equity portfolio included approximately $3.2 billion of home equity lines of credit and $2.3 billion of closed-end home equity loans.December 31, 2025
• As of December 31, 2025, approximately $2.4 billion of home equity lines and loans were in a second lien position.December 31, 2025
• USAA has pursued patent infringement claims against Regions.
• In 2022, the FDIC issued a final rule increasing initial base deposit insurance assessment rate schedules by 2 basis points, effective first quarter 2023, with revised rates to remain until the DIF reserve ratio meets or exceeds 1.35%.2022
• In November 2023, the FDIC issued a final rule implementing a special assessment to recoup DIF losses from first-half 2023 bank failures, based on estimated uninsured deposits as of December 31, 2022, excluding the first $5 billion, payable over an eight-quarter collection period starting first quarter 2024.November 2023
• In December 2025, the FDIC issued an interim final rule stating it is no longer forecasting a ninth or tenth quarter assessment beyond the initial eight quarters.December 2025
• The Company's 2024 supervisory stress test results exceeded all minimum capital levels, and the stress capital buffer remains floored at 2.5% from Q4 2025 through Q3 2026.2024
• At December 31, 2025, subsidiaries' total deposits and borrowings were approximately $133.4 billion.December 31, 2025
• The amended and restated by-laws designate the Court of Chancery of the State of Delaware as the exclusive forum for certain shareholder actions, with a fallback to the federal district court for the District of Delaware, and designate federal district courts as the exclusive forum for Securities Act claims.