Regions Financial Corporation (NYSE: RF) is scheduled to report second-quarter 2024 results on Jul 19, before the opening bell. The bank's earnings and revenues in the to-be-reported quarter are expected to have declined from the year-ago reported figures. This Birmingham, AL-based player's first-quarter 2024 earnings missed the Zacks Consensus Estimate due to a rise in expenses and a decline in net interest income (NII). Nonetheless, a rise in non-interest income supported results to some extent. Regions Financial has a disappointing earnings surprise history. Its earnings surpassed estimates in one of the trailing four quarters and missed thrice, the average negative surprise being 3.66%. The Zacks Consensus Estimate for second-quarter earnings of 49 cents per share has moved 2.1% north in the past 30 days. The figure indicates a 16.9% decline from the year-ago reported number. The consensus estimate for revenues is pegged at $1.75 billion, indicating a 10.4% decrease from the prior-year reported figure. Regions Financial Corporation Price and EPS Surprise Regions Financial Corporation price-eps-surprise | Regions Financial Corporation Quote Key Factors & Estimates for Q2 Loans: Region Financial's overall lending activities are likely to have been moderate in the second quarter. The demand for consumer loans declined, whereas commercial real estate loans experienced softer demand in the quarter under review than in prior quarters. However, the demand for commercial and industrial loans improved, per the Federal Reserve's latest data. Given RF's significant exposure to commercial loans, this is likely to have positively impacted the company's average interest-earning assets during the second quarter of 2024 to some extent. The Zacks Consensus Estimate of $1.36 billion for average earning assets indicates a sequential marginal increase.  NII: As the Federal Reserve kept the interest rates steady during the quarter at a 23-year high ...