Risk Sleuth
RF · 10-K filed 24 Feb 2026 · year to 31 Dec 2025

Regions Financial

29 named things its latest annual report says its results depend on, each in the company's own words. 18 of them are also named by other companies we've read.

Read the filing on SEC.gov ↗

Customers

Fannie Mae and Freddie Mac (the Agencies)

earns from · 50.0 percent of the mortgage loans we originatednamed as a risk
In 2025, we sold 50.0 percent of the mortgage loans we originated to the Agencies.Risk factors (Item 1A)

Also named by ELS, ICE, JOE, SOFI, WTM, WY

Partners and platforms

Guild

depends on
Our partnership with Guild, an education, skilling and mobility solution provider has allowed us to transition our tuition reimbursement program for associates to a best-in-class tuition assistance program that targets adult learners and provides coaching support and access to a curated catalog from Guild’s Learning Marketplace.Business (Item 1)

Other companies

Regions Bank

depends onnamed as a risk
Our principal source of cash flow, including cash flow to pay dividends to our shareholders and principal and interest on our outstanding debt, is dividends from Regions Bank.Risk factors (Item 1A)

Also named by FHN

United Services Automobile Association (USAA)

named as a risk
For example, the United Services Automobile Association (USAA) has pursued patent infringement claims against several financial institutions, including Regions.Risk factors (Item 1A)

Places

Florida

operates in · 270 branches
The following table reflects the distribution of branch locations in each of the states in which Regions conducts its banking operations.Business (Item 1)

Also named by ABR, ALLY, AN, AXP, AZO, BBY, BJ, BRO and 54 more

Tennessee

operates in · 194 branches
The following table reflects the distribution of branch locations in each of the states in which Regions conducts its banking operations.Business (Item 1)

Also named by CTRE, FHN, IMKTA, PNFP, VMC

Alabama

operates in · 184 branches
The following table reflects the distribution of branch locations in each of the states in which Regions conducts its banking operations.Business (Item 1)

Also named by ALL, HCC, SO

South, Midwest and Texas

concentrated innamed as a risk
Our operations are concentrated primarily in the South, Midwest and Texas.Risk factors (Item 1A)

Hazards

Hurricanes (Gulf Coast and Atlantic)

concentrated innamed as a risk
A significant portion of our operations is located in the areas bordering the Gulf region and the Atlantic Ocean, regions that are susceptible to hurricanes, or in areas of the Southeastern U.S. that are susceptible to tornadoes and other severe weather events.Risk factors (Item 1A)

Also named by AIG, AN, ASO, BAC, BBY, BJ, BPOP, BRO and 89 more

Tornadoes (Southeastern U.S.)

concentrated innamed as a risk
A significant portion of our operations is located in the areas bordering the Gulf region and the Atlantic Ocean, regions that are susceptible to hurricanes, or in areas of the Southeastern U.S. that are susceptible to tornadoes and other severe weather events.Risk factors (Item 1A)

Also named by AAON, DLTR, PAYC, PNFP

Commodities and inputs

Commercial real estate (investor real estate)

insures or lends to · approximately 9.5 percent of our loan portfolionamed as a risk
As of December 31, 2025, approximately 9.5 percent of our loan portfolio consisted of investor real estate loans.Risk factors (Item 1A)

Also named by AFL, APO, AUB, BAC, C, CFR, FSUN, GBCI and 11 more

Residential real estate

insures or lends to · approximately 26.5 percent of our total loan portfolionamed as a risk
As of December 31, 2025, consumer residential real estate loans represented approximately 26.5 percent of our total loan portfolio.Risk factors (Item 1A)

Office properties

insures or lends to · 1.1 percent of our total loan portfolionamed as a risk
At December 31, 2025, office properties constituted 1.1 percent of our total loan portfolio.Risk factors (Item 1A)

Second-lien home equity loans

insures or lends to · approximately $2.4 billionnamed as a risk
As of December 31, 2025, approximately $2.4 billion of our home equity lines and loans were in a second lien position.Risk factors (Item 1A)

Oil and natural gas

exposed to its pricenamed as a risk
As a consequence of oil and gas price volatility, our energy-related portfolio may be subject to additional pressure on credit quality metrics including past due, criticized, and non-performing loans, as well as net charge-offs.Risk factors (Item 1A)

Also named by APO, ARES, BX, FDUS, GAIN, HON, MMM, SOLV and 3 more

Regulators

Consumer Financial Protection Bureau (CFPB)

subject tonamed as a risk
Regions Bank and its affiliates that provide consumer financial products and services are also subject to supervision, regulation and examination by the CFPB with respect to consumer protection laws and regulations.Business (Item 1)

Also named by ABNB, AFRM, ALLY, AN, AUB, AXP, BAC, CASH and 61 more

Federal Reserve

subject tonamed as a risk
As a BHC, Regions is subject to regulation under the BHC Act and to regulation, examination and supervision by the Federal Reserve.Business (Item 1)

Also named by AGNC, AUB, AXP, BAC, CASH, COF, DX, EFSC and 24 more

Alabama State Banking Department

subject to
Its operations are generally subject to supervision and examination by both the Federal Reserve and the Alabama State Banking Department.Business (Item 1)

Laws and programs

Long-term debt requirement proposal

subject to · 6% of RWAsnamed as a risk
If adopted, this proposal would require the Company and Regions Bank to each maintain a minimum outstanding eligible long-term debt amount of no less than the greatest of (i) 6% of RWAs, (ii) 2.5% of total leverage exposure and (iii) 3.5% of average total consolidated assets.Business (Item 1)

Also named by ALLY, CFG, HBAN, KEY, MTB, USB

Alabama banking law dividend limits

subject to · 90% of its net earningsnamed as a risk
Under Alabama law, Regions Bank may not pay a dividend in excess of 90% of its net earnings unless its surplus is equal to at least 20% of capital.Business (Item 1)

Stress Capital Buffer (CCAR)

subject to · 2.5 percent
As such Regions SCB will remain floored at 2.5 percent through the third quarter of 2027.Business (Item 1)

Also named by HBAN, STT, TFC, USB

California Consumer Privacy Act (CCPA)

subject tonamed as a risk
For example, while we have taken steps to comply with applicable portions of the CCPA, we cannot ensure that such steps completely eliminate the risk of liability under the CCPA.Risk factors (Item 1A)

Also named by AAP, AIOT, AKAM, ALL, APP, AYI, BAC, BBSI and 69 more

Community Reinvestment Act (CRA)

subject tonamed as a risk
Regions Bank’s most recent CRA rating from the Federal Reserve was “Satisfactory.”Business (Item 1)

Also named by ALLY, AMP, AUB, CFG, CFR, EFSC, EWBC, FCNCA and 20 more

GENIUS Act

subject tonamed as a risk
Developments in the regulatory landscape, such as the enactment and implementation of the Guiding and Establishing National Innovation for U.S. Stablecoins Act of 2025 (GENIUS Act) and potential enactment of the Digital Asset Market Clarity Act of 2025 (CLARITY Act) or similar market structure legislation, may also affect our clients’ needs and expectations for products and services.Risk factors (Item 1A)

Also named by AUB, C, CFR, COF, COIN, CUBI, EWBC, FCNCA and 15 more

Basel III endgame proposal

subject tonamed as a risk
Proposed changes to applicable capital, liquidity and similar requirements, such as the Basel III endgame proposal and the long-term debt proposal, could result in increased expenses or cost of funding, which could negatively affect our financial results or our ability to pay dividends and engage in share repurchases.Risk factors (Item 1A)

Also named by ALLY, CFG, HBAN, NTRS, PNC, STT

Bank Secrecy Act / USA PATRIOT Act

subject tonamed as a risk
A financial institution's failure to comply with the BSA could have serious legal and reputational consequences for the institution.Business (Item 1)

Also named by EEFT, NTRS

FDIC deposit insurance special assessment

subject tonamed as a risk
In November 2023, the FDIC issued a final rule to implement a special assessment to recoup losses to the DIF associated with bank failures in the first half of 2023, which became effective on April 1, 2024.Business (Item 1)

Federal Reserve Tailoring Rules (Category IV)

subject to
Under the Tailoring Rules, Regions and Regions Bank are each subject to Category IV standards, which apply to banking organizations with at least $100 billion in total consolidated assets that do not meet any of the thresholds specified for Categories I through III.Business (Item 1)

Technology

Decentralized finance and cryptocurrencies

competes withnamed as a risk
The rapid emergence and increasing adoption of DeFi platforms, cryptocurrencies and related blockchain-enabled financial products and services could disrupt traditional banking services and accelerate competitive pressures on our business.Risk factors (Item 1A)