v3.25.4
Regulatory Capital Requirements and Restrictions
 12 Months Ended
Dec. 31, 2025
Banking and Thrift, Other Disclosure [Abstract]  
Regulatory Capital Requirements and Restrictions Failure to meet minimum capital requirements can subject the Company to a series of increasingly restrictive regulatory actions. Under the Basel III Rules, Regions is designated as a standardized approach bank. Regions is a "Category IV" institution under the Federal Reserve's Tailoring rules.
Banking regulations identify five capital categories: well-capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized. At December 31, 2025 and 2024, Regions and Regions Bank exceeded all current regulatory requirements, and were classified as "well-capitalized." Management believes that no events or changes have occurred subsequent to December 31, 2025 that would change this designation.
Quantitative measures established by regulation to ensure capital adequacy require institutions to maintain minimum ratios of CET1, Tier 1, and Total capital (as defined in the regulations) to RWAs (as defined), and of Tier 1 capital to average tangible assets (the "Leverage" ratio).
Federal banking agencies allowed a phase-in of the impact of CECL on regulatory capital. At December 31, 2021, the add-back to regulatory capital was calculated as the impact of initial adoption, adjusted for 25 percent of subsequent changes in the allowance. The amount is phased-in over a three-year period beginning in 2022 and concluded in the first quarter of 2025. At December 31, 2024, the net impact of the add-back on CET1 was approximately $102 million or approximately 8 basis points.
The following tables summarize the applicable holding company and bank regulatory capital requirements:
 
December 31, 2025
Minimum Requirement
Minimum Requirement plus SCB (1)
To Be Well
Capitalized
 AmountRatio
(Dollars in millions)
Common equity Tier 1 capital:
Regions Financial Corporation$13,490 10.89 %4.50 %7.00 %N/A
Regions Bank14,475 11.72 4.50 7.00 6.50 %
Tier 1 capital:
Regions Financial Corporation$14,859 11.99 %6.00 %8.50 %6.00 %
Regions Bank14,475 11.72 6.00 8.50 8.00 
Total capital:
Regions Financial Corporation$17,205 13.89 %8.00 %10.50 %10.00 %
Regions Bank16,517 13.37 8.00 10.50 10.00 
Leverage capital:
Regions Financial Corporation$14,859 9.68 %4.00 %4.00 %N/A
Regions Bank14,475 9.48 4.00 4.00 5.00 %
 December 31, 2024Minimum Requirement
Minimum Requirement plus SCB (1)
To Be Well
Capitalized
 AmountRatio
(Dollars in millions)
Common equity Tier 1 capital:
Regions Financial Corporation$13,434 10.80 %4.50 %7.00 %N/A
Regions Bank14,035 11.32 4.50 7.00 6.50 %
Tier 1 capital:
Regions Financial Corporation$15,149 12.17 %6.00 %8.50 %6.00 %
Regions Bank14,035 11.32 6.00 8.50 8.00 
Total capital:
Regions Financial Corporation$17,500 14.06 %8.00 %10.50 %10.00 %
Regions Bank16,081 12.97 8.00 10.50 10.00 
Leverage capital:
Regions Financial Corporation$15,149 9.88 %4.00 %4.00 %N/A
Regions Bank14,035 9.21 4.00 4.00 5.00 %
 _________
(1)Reflects Regions' SCB of 2.50%. SCB does not apply to leverage capital ratios. See Note 14 for further details regarding CCAR results.
Regions must adhere to various HUD regulatory guidelines including required minimum capital to maintain their HUD approved status. Failure to comply with the HUD guidelines could result in withdrawal of this certification. As of December 31, 2025, Regions was in compliance with HUD guidelines. Regions is also subject to various capital requirements by secondary market investors.