Regions Financial sees FY average loans stable to up modestly

Regions Financial sees FY average loans stable to up modestly

Regions Financial Corporation (NYSE: RF) reported its second quarter 2025 earnings, showcasing continued momentum in its operations. The company reported net income available to common shareholders of $534 million, a 12% increase from the second quarter of 2024, with earnings per diluted share of $0.59. Adjusted earnings per diluted share stood at $0.60, reflecting a 10% year-over-year growth [1].

The company's total revenue for the second quarter amounted to $1.9 billion, reflecting a 10% year-over-year growth. This was driven by a 5% increase in non-interest income and a 6.8% increase in total revenue compared to the first quarter of 2025. Card and ATM fees increased by 7%, while mortgage income grew by 20% due to favorable mortgage servicing rights valuation adjustments [1].

Average loans and leases remained stable compared to the prior quarter, with total ending loans increasing by 1%. This stability indicates a balanced approach to lending, ensuring that Regions Financial continues to manage its risk effectively. The company's average business loans remained stable, while consumer credit card loans increased by 2.2% [1].

Regions Financial's second quarter efficiency ratio was 56.0%, and the effective tax rate was 20.3%. The company's focus on disciplined loan production and strong performance across fee-based businesses, including Treasury Management and Wealth Management, underscores its commitment to generating top-quartile returns for shareholders [1].

In summary, Regions Financial's second quarter results demonstrate a stable to modest growth in average loans, along with strong revenue growth and earnings. The company's strategic investments in talent, technology, and capabilities continue to drive its performance, positioning it well for future growth.

References:
[1] Regions Financial Corp. (2025). Second Quarter 2025 Earnings. Retrieved from https://ir.regions.com/news-events/press-releases/news-details/2025/Momentum--Growth--Results--Regions-reports-second-quarter-2025-earnings-of-534-million-earnings-per-diluted-share-of-0-59-Adjusted-earnings1-of-538-million-adjusted-earnings-per-diluted-share1-of-0-60/default.aspx