ADDED
As of February 23, 2026, there were 863,506,691 shares of the registrant's common stock, par value $0.01 per share, outstanding.
Management's Discussion and Analysis of Financial Condition and Results of Operations 45 Item 7A.
The following is a summary of the material risks and uncertainties we face, which are discussed more fully in "Item 1A.
Risk Factors" in this Annual Report on Form 10-K: Our businesses have been, and may continue to be, adversely affected by conditions in the financial markets and economic conditions generally.
We are at risk of a variety of systems failures or errors and cyber-attacks or other similar incidents that could adversely affect customer experience and our business and financial performance.
Industry competition, including competition from decentralized finance platforms, cryptocurrencies and blockchain technologies could disrupt our business model and adversely affect our revenues, market share or liquidity.
We are subject to a variety of risks in connection with any sale of loans we may conduct.
Our businesses may be adversely affected if we are unable to hire and retain qualified employees.
Further, Regions and its subsidiaries deliver other financial services operations described below.
At December 31, 2025, Regions had total consolidated assets of approximately $158.8 billion, total consolidated deposits of approximately $131.1 billion and total consolidated shareholders equity of approximately $19.0 billion.
REMOVED
Common Stock, $.01 par value $ 17,925,618,184 as of June 30, 2024.
Common Stock, $.01 par value 905,465,071 shares issued and outstanding as of February 20, 2025.
Management's Discussion and Analysis of Financial Condition and Results of Operations 47 Item 7A.
COSO - Committee of Sponsoring Organizations of the Treadway Commission.
RETDR - Reasonable expectation of a troubled debt restructuring.
These risks, uncertainties and other factors include, but are not limited to, those described below: Current and future economic and market conditions in the United States generally or in the communities we serve (in particular the Southeastern United States), including the effects of possible declines in property values, increases in interest rates and unemployment rates, inflation, financial market disruptions and potential reductions of economic growth, which may adversely affect our lending and other businesses and our financial results and conditions.
Possible changes in trade, monetary and fiscal policies of, and other activities undertaken by, governments, agencies, central banks and similar organizations, including tariffs, which could have a material adverse effect on our businesses and our financial results and conditions.
Changes in market interest rates or capital markets could adversely affect our revenue and expense, the value of assets (such as our portfolio of investment securities) and obligations, as well as the availability and cost of capital and liquidity.
Volatility and uncertainty about the direction of interest rates and the timing of any changes, which may lead to increased costs for businesses and consumers and potentially contribute to poor business and economic conditions generally.
Possible changes in the creditworthiness of customers and the possible impairment of the collectability of loans and leases, including operating leases.