REGIONS FINANCIAL CORP (RF) Risk Factors
FinancialsLatest 10-K filed Feb 24, 2026Source: SEC EDGAR
WealthWire extracted and classified 50 risk factors from REGIONS FINANCIAL CORP’s latest SEC filing, mapping each to a standardized risk taxonomy so they can be compared across every company and sector. The breakdown below shows how those disclosures distribute across risk categories.
Financial
13 factorsLegal & regulatory
10 factorsMarket & business
7 factorsTechnology
6 factorsOperations & people
6 factorsOther
4 factorsESG & reputation
4 factorsRecent key developments
Concrete developments — dated events, named agreements and instruments, legal proceedings — that REGIONS FINANCIAL CORP surfaced in its latest filing.
- The federal funds rate peaked at a range of 5.25%-5.50% in 2023-2024 before FOMC cuts brought it to 3.50%-3.75% by 2025.2025
- In 2025, the company sold 50.0 percent of the mortgage loans originated to the Agencies.2025
- The GENIUS Act of 2025 was enacted, and the CLARITY Act of 2025 may be enacted.2025
- Consumer residential real estate loans represented approximately 26.5 percent of the total loan portfolio as of December 31, 2025.December 31, 2025
- Investor real estate loans represented approximately 9.5 percent of the loan portfolio as of December 31, 2025.December 31, 2025
- Office properties constituted 1.1 percent of the total loan portfolio as of December 31, 2025.December 31, 2025
- At December 31, 2025, the 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 several financial institutions, including Regions.
- The FDIC adopted a final rule in 2022 increasing initial base deposit insurance assessment rate schedules by 2 basis points beginning with the first quarterly assessment period of 2023.2022
- In November 2023, the FDIC issued a final rule for a special assessment based on estimated uninsured deposits as of December 31, 2022, excluding the first $5 billion, paid over an eight-quarter collection period beginning with the first quarter of 2024.November 2023
- In December 2025, the FDIC adopted an interim final rule that no longer forecasts an additional ninth or tenth quarter special assessment.December 2025
- The Company's 2024 stress test results exceeded all minimum capital levels.2024
- The Company's stress capital buffer (SCB) is floored at 2.5 percent from Q4 2025 through Q3 2026.Q4 2025 through Q3 2026
- Subsidiaries' total deposits and borrowings were approximately $133.4 billion at December 31, 2025.December 31, 2025
Go deeper on RF
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