Regions Financial Corporation delivered a solid QQ1 2025 performance amid a slower macro backdrop and tariff-related uncertainty. GAAP net income reached $490 million with EPS of $0.51, supported by a pretax pre-provision income of $745 million (a 21% YoY increase) and a ROTCE of 18% per management commentary. While average loans were largely flat quarter-over-quarter and ending loans fell 1%, deposit momentum remained a bright spot: average deposits rose 1% QoQ and ending deposits were up 3%, underscoring Regions' funding resilience and core deposit strength. Net interest income declined 3% sequentially, though the trajectory is expected to improve as nonrecurring items unwind; guidance implies 1-4% full-year growth in NII. Non-interest income held up, with record treasury and wealth management revenue offsetting softer capital markets activity. The firm reaffirmed its strategic priorities—soundness, profitability, and growth—and signaled continued capital discipline via share repurchases ($242 million) and dividends ($226 million) in the quarter, while maintaining room to increase returns as earnings permit. Management highlighted a cautious but constructive outlook for 2025, with the base case not incorporating a recession, and emphasized growth in priority markets and investments in talent, technology, and client coverage. The near-term catalyst set includes tariff clarity, stabilization in capital markets activity, and continued deposit strength which could support loan growth later in the year.