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 | | | Amount | | Ratio | | | | (Dollars in millions) | | Common equity Tier 1 capital: | | | | | | | | | | | | Regions Financial Corporation | $ | 13,490 | | | 10.89 | % | | | 4.50 | % | | 7.00 | % | | N/A | | Regions Bank | 14,475 | | | 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 Bank | 14,475 | | | 11.72 | | | | 6.00 | | | 8.50 | | | 8.00 | | | Total capital: | | | | | | | | | | | | Regions Financial Corporation | $ | 17,205 | | | 13.89 | % | | | 8.00 | % | | 10.50 | % | | 10.00 | % | | Regions Bank | 16,517 | | | 13.37 | | | | 8.00 | | | 10.50 | | | 10.00 | | | Leverage capital: | | | | | | | | | | | | Regions Financial Corporation | $ | 14,859 | | | 9.68 | % | | | 4.00 | % | | 4.00 | % | | N/A | | Regions Bank | 14,475 | | | 9.48 | | | | 4.00 | | | 4.00 | | | 5.00 | % |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | December 31, 2024 | | Minimum Requirement | | Minimum Requirement plus SCB (1) | | To Be Well
Capitalized | | | Amount | | Ratio | | | | (Dollars in millions) | | Common equity Tier 1 capital: | | | | | | | | | | | Regions Financial Corporation | $ | 13,434 | | | 10.80 | % | | 4.50 | % | | 7.00 | % | | N/A | | Regions Bank | 14,035 | | | 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 Bank | 14,035 | | | 11.32 | | | 6.00 | | | 8.50 | | | 8.00 | | | Total capital: | | | | | | | | | | | Regions Financial Corporation | $ | 17,500 | | | 14.06 | % | | 8.00 | % | | 10.50 | % | | 10.00 | % | | Regions Bank | 16,081 | | | 12.97 | | | 8.00 | | | 10.50 | | | 10.00 | | | Leverage capital: | | | | | | | | | | | Regions Financial Corporation | $ | 15,149 | | | 9.88 | % | | 4.00 | % | | 4.00 | % | | N/A | | Regions Bank | 14,035 | | | 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.
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