Loans

12 Months Ended

Dec. 31, 2025

LOANS

The following table presents the distribution of Regions' loan portfolio by segment and class, net of unearned income as of December 31:


	2025		2024
	(In millions)
Commercial and industrial	$	48,790	$	49,671
Commercial real estate mortgage—owner-occupied	4,845		4,841
Commercial real estate construction—owner-occupied	263		333
Total commercial	53,898		54,845
Commercial investor real estate mortgage	7,172		6,567
Commercial investor real estate construction	1,934		2,143
Total investor real estate	9,106		8,710
Residential first mortgage	19,765		20,094
Home equity lines	3,232		3,150
Home equity loans	2,324		2,390
Consumer credit card	1,519		1,445

Other consumer (1)	5,793		6,093
Total consumer	32,633		33,172
Total loans, net of unearned income (2)	$	95,637	$	96,727

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(1)Starting in 2025, other consumer loans also includes exit portfolios, which were previously presented separately. The portfolio consists primarily of indirect auto loans, and presentation of prior periods has been conformed accordingly.

(2)Loans are presented net of unearned income, unamortized discounts and premiums and deferred loan fees and costs of $930 million and $981 million at December 31, 2025 and December 31, 2024.

See Note 13 for details regarding Regions’ investment in sales-type, direct financing, and leveraged leases included within the commercial and industrial loan portfolio.

REGIONS FINANCIAL CORP 10-K