Form 8-K

8-K — Regional Management Corp.

Accession: 0001519401-26-000019

Filed: 2026-10-28

Period: 2026-10-28

CIK: 0001519401

SIC: 6141 (PERSONAL CREDIT INSTITUTIONS)

Item: Results of Operations and Financial Condition

Item: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers

Item: Other Events

Item: Financial Statements and Exhibits

Documents

8-K — rm-20261028.htm (Primary)

EX-99.1 (rm-ex99_1.htm)

EX-99.2 (rm-ex99_2.htm)

EX-99.3 (rm-ex99_3.htm)

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8-K

8-K (Primary)

Filename: rm-20261028.htm · Sequence: 1

8-K

0001519401false00015194012026-10-282026-10-28

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 28, 2026

Regional Management Corp.

(Exact name of registrant as specified in its charter)

Delaware

001-35477

57-0847115

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

979 Batesville Road, Suite B

Greer, South Carolina 29651

(Address of principal executive offices) (zip code)

(864) 448-7000

(Registrant’s telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class

Trading Symbol

Name of Each Exchange on Which Registered

Common Stock, $0.10 par value

New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition.

On October 28, 2026, Regional Management Corp. (the “Company”) issued a press release announcing financial results for the three and nine months ended September 30, 2026. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference. On October 28, 2026, the Company will host a conference call to discuss financial results for the three and nine months ended September 30, 2026. A copy of the presentation to be used during the conference call is attached hereto as Exhibit 99.2 and is incorporated herein by reference.

All information in the press release and the presentation is furnished under Item 2.02 of Form 8-K, “Results of Operations and Financial Condition,” and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 5.02. Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.

On October 28, 2026, the employment of Manish Parmar, Executive Vice President and Chief Credit Risk Officer of the Company, was terminated without cause, effective immediately. The termination of Mr. Parmar’s employment will be treated as a “Qualifying Termination” under the Regional Management Corp. Executive Severance and Change in Control Plan, as amended and restated effective October 30, 2025 (the “Severance Plan”), previously filed as Exhibit 10.3 to the Company’s Current Report on Form 8-K filed with the Securities and Exchange Commission on November 5, 2025. As a result, Mr. Parmar will be entitled to receive benefits under the Severance Plan, subject to his compliance with the restrictive covenants contained in the Severance Plan.

On October 28, 2026, the Company announced that its Board of Directors (the “Board”) had appointed Elizabeth Canini as Chief Credit Risk Officer of the Company, effective as of November 2, 2026, and issued a press release announcing the Chief Credit Risk Officer transition. The press release is attached hereto as Exhibit 99.3.

Item 8.01. Other Events.

On October 28, 2026, the Company also announced that its Board of Directors has declared a quarterly cash dividend of $0.30 per share of outstanding common stock, payable on December 16, 2026 to stockholders of record as of the close of business on November 18, 2026.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No.

Description

99.1

Press Release issued by Regional Management Corp. on October 28, 2026, announcing financial results for Regional Management Corp. for the three and nine months ended September 30, 2026.

99.2

Presentation of Regional Management Corp., dated October 28, 2026.

99.3

Press Release issued by Regional Management Corp. on October 28, 2026, announcing the appointment of Elizabeth Canini as Chief Credit Risk Officer.

104

Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Regional Management Corp.

Date: October 28, 2026

By:

/s/ Harpreet Rana

Name:

Harpreet Rana

Title:

Executive Vice President and Chief Financial and Administrative Officer

EX-99.1

Filename: rm-ex99_1.htm · Sequence: 2

EX-99.1

Exhibit 99.1

Regional Management Corp. Announces Third Quarter 2026 Results

- Net income of $15.1 million and diluted earnings per share of $1.61, up 5.3% and 13.4% year-over-year, respectively -

- Year-to-date net income and diluted earnings per share up 10.0% and 15.2% year-

over-year, respectively -

- Record total revenue of $178.8 million, up 8.0% year-over-year, on portfolio growth and bank partnership fee income -

- Annualized operating expense ratio improved 20 basis points year-over-year -

Greenville, South Carolina – October 28, 2026 – Regional Management Corp. (NYSE: RM), a diversified consumer finance company, today announced results for the third quarter ended September 30, 2026.

“Our third quarter results reflect steady execution against the priorities we outlined in July,” said Lakhbir S. Lamba, President and Chief Executive Officer of Regional Management Corp. “We grew the portfolio in line with our expectations, generated record revenue supported by fee income from our bank partnership, and earned net income of $15.1 million, or $1.61 per diluted share, while maintaining disciplined expense management.”

“Our net credit loss rate for the third quarter of 2026 was 10.9%, a seasonal improvement of 130 basis points sequentially and up 70 basis points from the prior-year period,” continued Mr. Lamba. “We have identified the drivers of the year-over-year increase and have actions in place against each. We tightened underwriting in the segments that underperformed and began implementing enhanced fraud controls across all channels. In the fourth quarter, we will also complete the rollout of our new proprietary origination scorecard, and Liz Canini will join us in early November as Chief Credit Risk Officer to lead our credit organization.”

“Our bank partnership is becoming central to how we compete,” added Mr. Lamba. “Since we last reported, we have extended the program to three additional states, and we continue to expand it across our footprint. The partnership allows us to further refine our pricing strategy to support growth, credit performance, and attractive risk-adjusted returns over time. Together with disciplined underwriting and our investments in talent, technology, and data, it positions Regional for more consistent growth and higher returns, including strong growth on our bottom line in 2027.”

Third Quarter 2026 Highlights

•

Net income for the third quarter of 2026 was $15.1 million and diluted earnings per share was $1.61, up 5.3% and 13.4% year-over-year, respectively.

•

Net finance receivables as of September 30, 2026 were $2.2 billion, an increase of $156.9 million, or 7.6%, from the prior-year period and $61.7 million from June 30, 2026, driven by growth in large loans, including auto-secured loans, and 14 new branches opened since September 30, 2025.

Total originations of $530.3 million increased 5.3% sequentially and 1.5% from the prior-year period. Large loan originations increased 11.8% from the prior-year period, while small loan originations decreased 21.9%, reflecting tighter underwriting in higher-risk segments.

Large loan net finance receivables of $1.7 billion increased $229.9 million, or 15.2%, from the prior-year period and represented 78.8% of the total loan portfolio, compared to 73.7% in the prior-year period.

▪

Auto-secured net finance receivables of $345.0 million increased $69.5 million, or 25.2%, from the prior-year period and represented 15.6% of the total loan portfolio, compared to 13.4% in the prior-year period.

Small loan net finance receivables of $467.9 million decreased $73.0 million, or 13.5%, from the prior-year period and represented 21.2% of the total loan portfolio, compared to 26.3% in the prior-year period.

•

Record quarterly total revenue of $178.8 million, an increase of $13.3 million, or 8.0%, from the prior-year period, primarily due to growth in average net finance receivables and an increase in fee income from bank partnership originations.

Total revenue yield (annualized total revenue as a percentage of average net finance receivables) for the third quarter of 2026 was 32.9%, increasing 110 basis points sequentially, driven by fee income from bank partnership originations and seasonality. Total revenue yield decreased 20 basis points from the prior-year period, as lower interest and fee yield and lower insurance income were largely offset by approximately 120 basis points of fee income from bank partnership originations.

Interest and fee yield (annualized interest and fee income as a percentage of average net finance receivables) for the third quarter of 2026 was 28.7%, compared to 29.7% in the prior-year period, a decrease of 100 basis points primarily due to product mix shift toward larger and auto-secured loans, which carry lower yields

and lower loss rates, as well as pricing changes and the impact of higher credit losses on revenue.

•

Provision for credit losses for the third quarter of 2026 was $66.2 million, an increase of $5.7 million, or 9.4%, from the prior-year period, driven by higher net credit losses, partially offset by a smaller reserve build than in the prior-year period.

The net credit loss rate (annualized net credit losses as a percentage of average net finance receivables) for the third quarter of 2026 was 10.9%, a 130 basis point decrease sequentially and a 70 basis point increase compared to 10.2% in the prior-year period. The year-over-year increase was concentrated in specific segments of the portfolio, primarily loans originated in 2025, with the digital affiliate channel being the largest driver.

The provision for credit losses for the third quarter of 2026 included a sequential reserve increase of $6.8 million, primarily due to portfolio growth occurring during the third quarter of 2026.

The allowance for credit losses was $230.8 million as of September 30, 2026, or 10.4% of net finance receivables, consistent sequentially and up 10 basis points compared to 10.3% in the prior-year period.

•

As of September 30, 2026, 30+ day contractual delinquencies totaled $165.8 million, or 7.5% of net finance receivables, a 50 basis point increase both sequentially and year-over-year.

The 30+ day contractual delinquency rate on the company’s higher-quality auto-secured portfolio was 2.2% as of September 30, 2026.

•

General and administrative expenses for the third quarter of 2026 were $68.6 million, an increase of $4.6 million from the prior-year period. The operating expense ratio (annualized general and administrative expenses as a percentage of average net finance receivables) for the third quarter of 2026 was 12.6%, an improvement of 20 basis points from 12.8% in the prior-year period, despite approximately 40 basis points of upfront origination costs associated with bank partnership loans.

•

In the third quarter of 2026, the company repurchased 265,645 shares of its common stock at a weighted-average price of $37.64 per share under the company’s stock repurchase program.

Strategic Highlights

During the third quarter, the company continued to expand its bank partnership program with Column N.A., a nationally chartered bank, under which Column has originated more than $160 million in loans since the program’s launch in March 2026. Following full implementation of the program for loans made through the company’s branches in Texas, its largest state, the company has extended the program to North Carolina, Louisiana, and Missouri, and it continues to expect substantially all of its branch network to operate under the program by the end of 2027. In addition to generating fee income for the company, the program enables more risk-aligned loan pricing, which the company believes will reduce adverse selection over time.

The company also advanced initiatives to strengthen credit performance and operating efficiency. Enhanced fraud controls introduced in June include third-party fraud scores, step-up identity verification, and a dedicated central fraud operations team, and the company’s new proprietary origination scorecard is now live in the majority of its states. The company’s new branch loan origination platform will be live in all branches during the fourth quarter. In collections, the company has centralized the management of late-stage delinquent accounts, enabling its branches to focus on sales and early-stage delinquency, and has deployed enhanced contact data, branded calling, and AI-enabled tools to improve customer engagement, cure rates, and collection efficiency.

In July 2026, the company launched end-to-end digital lending, enabling customers to complete the entire loan process online. The company is scaling the channel with discipline, expanding only as credit performance validates its risk-adjusted return expectations. Over time, the company expects digital originations to complement its branch network, which remains at the core of its operations, and to become an important contributor to growth.

Fourth Quarter 2026 Dividend

The company’s Board of Directors has declared a dividend of $0.30 per common share for the fourth quarter of 2026. The dividend will be paid on December 16, 2026 to shareholders of record as of the close of business on November 18, 2026. The declaration and payment of any future dividend is subject to the discretion of the Board of Directors and will depend on a variety of factors, including the company’s financial condition and results of operations.

Liquidity and Capital Resources

As of September 30, 2026, the company had net finance receivables of $2.2 billion and debt of $1.7 billion. The debt consisted of:

•

$225.8 million on the company’s $355 million senior revolving credit facility,

•

$232.8 million on the company’s aggregate $425 million revolving warehouse credit facilities, and

•

$1.3 billion through the company’s asset-backed securitizations.

As of September 30, 2026, the company’s unused capacity to fund future growth on its revolving credit facilities (subject to the borrowing base) was $324 million, or 41.5%, and the company had available liquidity of $104.0 million, including unrestricted cash on hand and immediate availability to draw down cash from its revolving credit facilities. As of September 30, 2026, the company’s fixed-rate debt as a percentage of total debt was 74%, with a weighted-average coupon of 4.8%.

The company had a funded debt-to-equity ratio of 4.6 to 1.0 and a stockholders’ equity ratio of 17.3%, each as of September 30, 2026. On a non-GAAP basis, the company had a funded debt-to-tangible equity ratio of 5.1 to 1.0, as of September 30, 2026. Please refer to the reconciliations of non-GAAP measures to comparable GAAP measures included at the end of this press release.

Conference Call Information

Regional Management Corp. will host a conference call and webcast today at 5:00 PM ET to discuss these results.

The dial-in number for the conference call is (877) 407-0752 (toll-free) or (201) 389-0912 (international). Please dial the number 10 minutes prior to the scheduled start time.

*** A supplemental slide presentation will be made available on Regional’s website prior to the earnings call at www.RegionalManagement.com. ***

In addition, a live webcast of the conference call will be available on Regional’s website at www.RegionalManagement.com.

A webcast replay of the call will be available at www.RegionalManagement.com for one year following the call.

About Regional Management Corp.

Regional Management Corp. (NYSE: RM) is a diversified consumer finance company that provides attractive, easy-to-understand installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. Regional Management operates under the name “Regional Finance” online and in branch locations in 20 states across the United States. Each of its loan products is structured on a fixed-rate, fixed-term basis with fully amortizing equal monthly installment payments, repayable at any time without penalty. Regional Management sources loans through its multiple channel platform, which includes branches, centrally managed direct mail campaigns, digital partners, and its consumer website. For more information, please visit www.RegionalManagement.com.

Forward-Looking Statements

This press release may contain various “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are not statements of historical fact but instead represent Regional Management Corp.’s expectations or beliefs concerning future events. Forward-looking statements include, without limitation, statements concerning financial outlooks or future plans, objectives, goals, projections, strategies, events, or performance, and underlying assumptions and other statements related thereto. Words such as “may,” “will,” “should,” “likely,” “anticipates,” “expects,” “intends,” “plans,” “projects,” “believes,” “estimates,” “outlook,” and similar expressions may be used to identify these forward-looking statements. Such forward-looking statements speak only as of the date on which they were made and are about matters that are inherently subject to risks and uncertainties, many of which are outside of the control of Regional Management. As a result, actual performance and results may differ materially from those contemplated by these forward-looking statements. Therefore, investors should not place undue reliance on forward-looking statements.

Factors that could cause actual results or performance to differ from the expectations expressed or implied in forward-looking statements include, but are not limited to, the following: managing growth effectively, implementing Regional Management’s growth strategy, opening new branches as planned, and continuing to expand our lending partnership with Column N.A.; Regional Management’s convenience check strategy; Regional Management’s policies and procedures for underwriting, processing, and servicing loans; Regional Management’s ability to collect on its loan portfolio; Regional Management’s insurance operations; exposure to credit risk and repayment risk, which risks may increase in light of adverse or recessionary economic conditions; the implementation of evolving underwriting models and processes, including as to the effectiveness of Regional Management's custom scorecards; changes in the competitive environment in which Regional Management operates or a decrease in the demand for its products; the geographic concentration of Regional Management’s loan portfolio; the failure of third-party service providers, including those providing information technology products; changes in economic conditions in the markets Regional Management serves, including levels of unemployment and bankruptcies; the ability to achieve successful acquisitions and strategic alliances; the ability to realize the anticipated benefits from our lending partnership with Column N.A.; the ability to make technological improvements as quickly as competitors; security breaches, cyber-attacks, failures in information systems, or fraudulent activity; the development and use of artificial intelligence; the ability to originate loans; reliance on information technology resources and providers, including the risk of prolonged system outages; changes in current revenue and expense trends, including trends affecting delinquencies and credit losses; any future public health crises, including the impact of such crisis on our operations and financial condition; changes in operating and administrative expenses; the departure, transition, or replacement of key personnel; the ability to timely and effectively implement, transition to, and maintain the necessary information technology systems, infrastructure, processes, and controls to support Regional Management’s operations and initiatives; changes in interest rates; existing sources of liquidity may become insufficient or access to these sources may become unexpectedly restricted; exposure to financial risk due to asset-backed securitization transactions; risks related to regulation and legal proceedings, including changes in laws or regulations or in the interpretation

or enforcement of laws or regulations; changes in accounting standards, rules, and interpretations and the failure of related assumptions and estimates; the impact of changes in tax laws and guidance, including the timing and amount of revenues that may be recognized; risks related to the ownership of Regional Management’s common stock, including volatility in the market price of shares of Regional Management’s common stock; the timing and amount of future cash dividend payments; and anti-takeover provisions in Regional Management’s charter documents and applicable state law.

The foregoing factors and others are discussed in greater detail in Regional Management’s filings with the Securities and Exchange Commission. Regional Management will not update or revise forward-looking statements to reflect events or circumstances after the date of this press release or to reflect the occurrence of unanticipated events or the non-occurrence of anticipated events, whether as a result of new information, future developments, or otherwise, except as required by law. Regional Management is not responsible for changes made to this document by wire services or Internet services.

Contact

Investor Relations

Garrett Edson, (203) 682-8331

investor.relations@regionalmanagement.com

Regional Management Corp. and Subsidiaries

Consolidated Statements of Income

(Unaudited)

(dollars in thousands, except per share amounts)

Better (Worse)

3Q 26

3Q 25

YTD 26

YTD 25

Revenue

Interest and fee income

155,747

148,672

7,075

4.8

456,321

425,920

30,401

7.1

Insurance income, net

10,727

11,391

(664

)

(5.8

33,513

34,187

(674

)

(2.0

Other income

12,302

5,424

6,878

126.8

24,238

15,789

8,449

53.5

Total revenue

178,776

165,487

13,289

8.0

514,072

475,896

38,176

8.0

Expenses

Provision for credit losses

66,163

60,474

(5,689

)

(9.4

200,037

179,053

(20,984

)

(11.7

Personnel

40,546

39,517

(1,029

)

(2.6

119,321

119,243

(78

)

(0.1

Occupancy

7,451

7,160

(291

)

(4.1

22,182

20,977

(1,205

)

(5.7

Marketing

5,312

4,212

(1,100

)

(26.1

14,382

14,677

295

2.0

Other

15,318

13,179

(2,139

)

(16.2

42,850

38,159

(4,691

)

(12.3

Total general and administrative

68,627

64,068

(4,559

)

(7.1

198,735

193,056

(5,679

)

(2.9

Interest expense

24,148

21,971

(2,177

)

(9.9

70,064

62,168

(7,896

)

(12.7

Income before income taxes

19,838

18,974

864

4.6

45,236

41,619

3,617

8.7

Income taxes

4,725

4,618

(107

)

(2.3

10,569

10,116

(453

)

(4.5

Net income

15,113

14,356

757

5.3

34,667

31,503

3,164

10.0

Net income per common share:

Basic

1.68

1.53

0.15

9.8

3.83

3.32

0.51

15.4

Diluted

1.61

1.42

0.19

13.4

3.63

3.15

0.48

15.2

Weighted-average common shares outstanding:

Basic

8,975

9,370

395

4.2

9,041

9,493

452

4.8

Diluted

9,362

10,133

771

7.6

9,542

10,000

458

4.6

Return on average assets (annualized)

2.8

2.9

2.2

Return on average equity (annualized)

15.9

15.6

12.3

11.7

Regional Management Corp. and Subsidiaries

Consolidated Balance Sheets

(Unaudited)

(dollars in thousands, except par value amounts)

Increase (Decrease)

3Q 26

3Q 25

Assets

Cash

7,628

4,084

3,544

86.8

Net finance receivables

2,209,925

2,053,017

156,908

7.6

Unearned insurance premiums

(49,073

)

(50,987

)

1,914

3.8

Allowance for credit losses

(230,800

)

(212,000

)

(18,800

)

(8.9

Net finance receivables, less unearned insurance premiums and allowance for credit losses

1,930,052

1,790,030

140,022

7.8

Restricted cash

133,276

104,459

28,817

27.6

Lease assets

45,903

40,782

5,121

12.6

Intangible assets

36,355

30,385

5,970

19.6

Restricted available-for-sale investments

24,015

22,344

1,671

7.5

Property and equipment

12,576

12,996

(420

)

(3.2

Deferred tax assets, net

—

587

(587

)

(100.0

Other assets

20,634

22,599

(1,965

)

(8.7

Total assets

2,210,439

2,028,266

182,173

9.0

Liabilities and Stockholders’ Equity

Liabilities:

Debt

1,749,991

1,581,992

167,999

10.6

Unamortized debt issuance costs

(4,141

)

(7,521

)

3,380

44.9

Net debt

1,745,850

1,574,471

171,379

10.9

Lease liabilities

48,018

42,906

5,112

11.9

Deferred tax liabilities, net

1,090

—

1,090

100.0

Accounts payable and accrued expenses

34,131

38,971

(4,840

)

(12.4

Total liabilities

1,829,089

1,656,348

172,741

10.4

Stockholders’ equity:

Preferred stock ($0.10 par value, 100,000 shares authorized, none issued or outstanding)

—

Common stock ($0.10 par value, 1,000,000 shares authorized, 15,411 shares issued and 9,187 shares outstanding at September 30, 2026 and 15,220 shares issued and 9,803 shares outstanding at September 30, 2025)

1,541

1,522

1.2

Additional paid-in capital

144,101

139,868

4,233

3.0

Retained earnings

436,623

400,844

35,779

8.9

Accumulated other comprehensive loss

(392

)

(10

)

(382

)

(3,820.0

Treasury stock (6,224 shares at September 30, 2026 and 5,417 shares at

September 30, 2025)

(200,523

)

(170,306

)

(30,217

)

(17.7

Total stockholders’ equity

381,350

371,918

9,432

2.5

Total liabilities and stockholders’ equity

2,210,439

2,028,266

182,173

9.0

Regional Management Corp. and Subsidiaries

Selected Financial Data

(Unaudited)

(dollars in thousands, except per share amounts)

Net Finance Receivables

3Q 26

2Q 26

QoQ $

Inc (Dec)

QoQ %

Inc (Dec)

3Q 25

YoY $

Inc (Dec)

YoY %

Inc (Dec)

Large loans

1,742,013

1,659,685

82,328

5.0

1,512,140

229,873

15.2

Small loans

467,912

488,568

(20,656

)

(4.2

540,877

(72,965

)

(13.5

Total

2,209,925

2,148,253

61,672

2.9

2,053,017

156,908

7.6

Number of branches

354

357

)

(0.8

349

1.4

Net finance receivables per branch

6,243

6,018

225

3.7

5,883

360

6.1

Average Net Finance Receivables

3Q 26

2Q 26

QoQ $

Inc (Dec)

QoQ %

Inc (Dec)

3Q 25

YoY $

Inc (Dec)

YoY %

Inc (Dec)

Large loans

1,697,088

1,620,686

76,402

4.7

1,460,187

236,901

16.2

Small loans

473,659

494,693

(21,034

)

(4.3

541,201

(67,542

)

(12.5

Total

2,170,747

2,115,379

55,368

2.6

2,001,388

169,359

8.5

Revenue Yields (1)

3Q 26

2Q 26

QoQ

Inc (Dec)

3Q 25

YoY

Inc (Dec)

Large loans

27.0

26.6

0.4

27.1

(0.1

Small loans

34.7

34.3

0.4

36.7

(2.0

Total interest and fee yield

28.7

28.4

0.3

29.7

(1.0

Total revenue yield

32.9

31.8

1.1

33.1

(0.2

(1) Annualized as a percentage of average net finance receivables.

Components of Increase in Interest and Fee Income

3Q 26 Compared to 3Q 25

Increase (Decrease)

Volume

Rate

Volume & Rate

Total

Large loans

16,057

(297

)

(49

)

15,711

Small loans

(6,203

)

(2,780

)

347

(8,636

)

Product mix

2,727

(1,999

)

(728

)

—

Total

12,581

(5,076

)

(430

)

7,075

Loans Originated (1)

3Q 26

2Q 26

QoQ $

Inc (Dec)

QoQ %

Inc (Dec)

3Q 25

YoY $

Inc (Dec)

YoY %

Inc (Dec)

Large loans

405,935

371,319

34,616

9.3

363,055

42,880

11.8

Small loans

124,316

132,316

(8,000

)

(6.0

159,210

(34,894

)

(21.9

Total

530,251

503,635

26,616

5.3

522,265

7,986

1.5

(1) Represents the principal balance of loan originations, refinancings, and purchases.

Other Key Metrics

3Q 26

2Q 26

3Q 25

Net credit losses

59,363

64,506

51,274

Percentage of average net finance receivables (annualized)

10.9

12.2

10.2

Provision for credit losses

66,163

69,006

60,474

Percentage of average net finance receivables (annualized)

12.2

13.0

12.1

Percentage of total revenue

37.0

41.1

36.5

General and administrative expenses

68,627

65,444

64,068

Percentage of average net finance receivables (annualized)

12.6

12.4

12.8

Percentage of total revenue

38.4

39.0

38.7

Same store results (1):

Net finance receivables at period-end

2,186,565

2,135,915

2,000,665

Net finance receivable growth rate

6.7

9.0

9.9

Number of branches in calculation

340

345

333

(1) Same store sales reflect the change in year-over-year sales for the comparable branch base. The comparable branch base includes those branches open for at least one year.

Contractual Delinquency by Aging

3Q 26

2Q 26

3Q 25

Allowance for credit losses

230,800

10.4

224,000

10.4

212,000

10.3

Current

1,860,883

84.2

1,824,145

84.9

1,740,356

84.8

1 to 29 days past due

183,257

8.3

174,752

8.1

168,380

8.2

Delinquent accounts:

30 to 59 days

43,967

2.0

40,971

2.0

40,100

1.9

60 to 89 days

36,937

1.7

32,763

1.5

31,914

1.6

90 to 119 days

31,585

1.4

26,497

1.2

26,304

1.2

120 to 149 days

27,927

1.3

24,404

1.1

23,722

1.2

150 to 179 days

25,369

1.1

24,721

1.2

22,241

1.1

Total delinquency

165,785

7.5

149,356

7.0

144,281

7.0

Total net finance receivables

2,209,925

100.0

2,148,253

100.0

2,053,017

100.0

Contractual Delinquency by Product

3Q 26

2Q 26

3Q 25

Large loans

111,586

6.4

97,228

5.9

85,865

5.7

Small loans

54,199

11.6

52,128

10.7

58,416

10.8

Total

165,785

7.5

149,356

7.0

144,281

7.0

Income Statement Quarterly Trend

3Q 25

4Q 25

1Q 26

2Q 26

3Q 26

QoQ $

B(W)

YoY $

B(W)

Revenue

Interest and fee income

148,672

153,029

150,296

150,278

155,747

5,469

7,075

Insurance income, net

11,391

11,386

11,810

10,976

10,727

(249

)

(664

)

Other income

5,424

5,287

5,184

6,752

12,302

5,550

6,878

Total revenue

165,487

169,702

167,290

168,006

178,776

10,770

13,289

Expenses

Provision for credit losses

60,474

66,379

64,868

69,006

66,163

2,843

(5,689

)

Personnel

39,517

40,394

39,342

39,433

40,546

(1,113

)

(1,029

)

Occupancy

7,160

7,227

7,479

7,252

7,451

(199

)

(291

)

Marketing

4,212

3,874

4,181

4,889

5,312

(423

)

(1,100

)

Other

13,179

13,024

13,662

13,870

15,318

(1,448

)

(2,139

)

Total general and administrative

64,068

64,519

64,664

65,444

68,627

(3,183

)

(4,559

)

Interest expense

21,971

22,646

22,923

22,993

24,148

(1,155

)

(2,177

)

Income before income taxes

18,974

16,158

14,835

10,563

19,838

9,275

864

Income taxes

4,618

3,249

3,434

2,410

4,725

(2,315

)

(107

)

Net income

14,356

12,909

11,401

8,153

15,113

6,960

757

Net income per common share:

Basic

1.53

1.40

1.24

0.91

1.68

0.77

0.15

Diluted

1.42

1.30

1.18

0.85

1.61

0.76

0.19

Weighted-average shares outstanding:

Basic

9,370

9,233

9,163

8,988

8,975

395

Diluted

10,133

9,941

9,662

9,604

9,362

242

771

Balance Sheet & Other Key Metrics Quarterly Trends

3Q 25

4Q 25

1Q 26

2Q 26

3Q 26

QoQ $

Inc (Dec)

YoY $

Inc (Dec)

Total assets

2,028,266

2,103,930

2,072,750

2,129,594

2,210,439

80,845

182,173

Net finance receivables

2,053,017

2,140,199

2,104,001

2,148,253

2,209,925

61,672

156,908

Allowance for credit losses

212,000

220,900

219,500

224,000

230,800

6,800

18,800

Debt

1,581,992

1,650,764

1,621,398

1,675,942

1,749,991

74,049

167,999

Interest and fee yield (1)

29.7

29.3

28.3

28.4

28.7

0.3

(1.0

Efficiency ratio (2)

38.7

38.0

38.7

39.0

38.4

(0.6

(0.3

Operating expense ratio (3)

12.8

12.4

12.2

12.4

12.6

0.2

(0.2

Delinquency rate (4)

7.0

7.5

7.2

7.0

7.5

0.5

Net credit loss rate (5)

10.2

11.0

12.5

12.2

10.9

(1.3

0.7

Book value per share

37.94

39.05

40.25

40.51

41.51

1.00

3.57

(1) Annualized interest and fee income as a percentage of average net finance receivables.

(2) General and administrative expenses as a percentage of total revenue.

(3) Annualized general and administrative expenses as a percentage of average net finance receivables.

(4) Delinquent loans outstanding as a percentage of ending net finance receivables.

(5) Annualized net credit losses as a percentage of average net finance receivables.

Average Net Finance Receivables

YTD 26

YTD 25

YoY $

Inc (Dec)

YoY %

Inc (Dec)

Large loans

1,637,139

1,391,470

245,669

17.7

Small loans

499,586

543,402

(43,816

)

(8.1

Total

2,136,725

1,934,872

201,853

10.4

Revenue Yields (1)

YTD 26

YTD 25

YoY

Inc (Dec)

Large loans

26.7

26.6

0.1

Small loans

34.4

36.4

(2.0

Total interest and fee yield

28.5

29.4

(0.9

Total revenue yield

32.1

32.8

(0.7

(1) Annualized as a percentage of average net finance receivables.

Components of Increase in Interest and Fee Income

YTD 26 Compared to YTD 25

Increase (Decrease)

Volume

Rate

Volume & Rate

Total

Large loans

49,041

384

49,492

Small loans

(11,946

)

(7,772

)

627

(19,091

)

Product mix

7,339

(5,319

)

(2,020

)

—

Total

44,434

(12,707

)

(1,326

)

30,401

Loans Originated (1)

YTD 26

YTD 25

YTD $

Inc (Dec)

YTD %

Inc (Dec)

Large loans

1,042,714

941,337

101,377

10.8

Small loans

379,125

483,377

(104,252

)

(21.6

Total

1,421,839

1,424,714

(2,875

)

(0.2

(1) Represents the principal balance of loan originations, refinancings, and purchases.

Other Key Metrics

YTD 26

YTD 25

Net credit losses

190,137

166,553

Percentage of average net finance receivables (annualized)

11.9

11.5

Provision for credit losses

200,037

179,053

Percentage of average net finance receivables (annualized)

12.5

12.3

Percentage of total revenue

38.9

37.6

General and administrative expenses

198,735

193,056

Percentage of average net finance receivables (annualized)

12.4

13.3

Percentage of total revenue

38.7

40.6

Non-GAAP Financial Measures

In addition to financial measures presented in accordance with generally accepted accounting principles (“GAAP”), this press release contains certain non-GAAP financial measures. The company’s management utilizes non-GAAP measures as additional metrics to aid in, and enhance, its understanding of the company’s financial results. Tangible equity and the funded debt-to-tangible equity ratio are non-GAAP measures that adjust GAAP measures to exclude intangible assets. Management uses these equity measures to evaluate and manage the company’s capital and leverage position. The company also believes that these equity measures are commonly used in the financial services industry and provide useful information to users of the company’s financial statements in the evaluation of its capital and leverage position.

This non-GAAP financial information should be considered in addition to, not as a substitute for or superior to, measures of financial performance prepared in accordance with GAAP. In addition, the company’s non-GAAP measures may not be comparable to similarly titled non-GAAP measures of other companies. The following table provides a reconciliation of GAAP measures to non-GAAP measures.

3Q 26

Debt

1,749,991

Total stockholders' equity

381,350

Less: Intangible assets

36,355

Tangible equity (non-GAAP)

344,995

Funded debt-to-equity ratio

4.6

Funded debt-to-tangible equity ratio (non-GAAP)

5.1

EX-99.2

Filename: rm-ex99_2.htm · Sequence: 3

3Q 26 Earnings Presentation October 28, 2026 Exhibit 99.2

Legal Disclosures This document contains summarized information concerning Regional Management Corp. (the “Company”) and the Company’s business, operations, financial performance, and trends. No representation is made that the information in this document is complete. For additional financial, statistical, and business information, please see the Company’s most recent Annual Report on Form 10-K and Quarterly Reports on Form 10-Q filed with the U.S. Securities and Exchange Commission (the “SEC”), as well as the Company’s other reports filed with the SEC from time to time. Such reports are or will be available on the Company’s website (www.regionalmanagement.com) and on the SEC’s website (www.sec.gov). The information and opinions contained in this document are provided as of the date of this presentation and are subject to change without notice. This document has not been approved by any regulatory or supervisory authority. This presentation, the related remarks, and the responses to various questions may contain various “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are not statements of historical fact but instead represent the Company’s expectations or beliefs concerning future events. Forward-looking statements include, without limitation, statements concerning financial outlook or future plans, objectives, goals, projections, strategies, events, or performance, and underlying assumptions and other statements related thereto. Words such as “may,” “will,” “should,” “likely,” “anticipates,” “expects,” “intends,” “plans,” “projects,” “believes,” “estimates,” “outlook,” and similar expressions may be used to identify these forward-looking statements. Such forward-looking statements speak only as of the date on which they were made and are about matters that are inherently subject to risks and uncertainties, many of which are outside of the control of the Company. As a result, actual performance and results may differ materially from those contemplated by these forward-looking statements. Therefore, investors should not place undue reliance on such statements. Factors that could cause actual results or performance to differ from the expectations expressed or implied in forward-looking statements include, but are not limited to, the following: managing growth effectively, implementing the Company’s growth strategy, opening new branches as planned, and continuing to expand our lending partnership with Column N.A.; the Company’s convenience check strategy; the Company’s policies and procedures for underwriting, processing, and servicing loans; the Company’s ability to collect on its loan portfolio; the Company’s insurance operations; exposure to credit risk and repayment risk, which risks may increase in light of adverse or recessionary economic conditions; the implementation of evolving underwriting models and processes, including as to the effectiveness of the Company’s custom scorecards; changes in the competitive environment in which the Company operates or a decrease in the demand for its products; the geographic concentration of the Company’s loan portfolio; the failure of third-party service providers, including those providing information technology products; changes in economic conditions in the markets the Company serves, including levels of unemployment and bankruptcies; the ability to achieve successful acquisitions and strategic alliances; the ability to realize the anticipated benefits from our lending partnership with Column N.A.; the ability to make technological improvements as quickly as competitors; security breaches, cyber-attacks, failures in information systems, or fraudulent activity; the development and use of artificial intelligence; the ability to originate loans; reliance on information technology resources and providers, including the risk of prolonged system outages; changes in current revenue and expense trends, including trends affecting delinquencies and credit losses; any future public health crises, including the impact of such crises on our operations and financial condition; changes in operating and administrative expenses; the departure, transition, or replacement of key personnel; the ability to timely and effectively implement, transition to, and maintain the necessary information technology systems, infrastructure, processes, and controls to support the Company’s operations and initiatives; changes in interest rates; existing sources of liquidity may become insufficient or access to these sources may become unexpectedly restricted; exposure to financial risk due to asset-backed securitization transactions; risks related to regulation and legal proceedings, including changes in laws or regulations or in the interpretation or enforcement of laws or regulations; changes in accounting standards, rules, and interpretations and the failure of related assumptions and estimates; the impact of changes in tax laws and guidance, including the timing and amount of revenues that may be recognized; risks related to the ownership of the Company's common stock, including volatility in the market price of shares of the Company's common stock; the timing and amount of future cash dividend payments; and anti-takeover provisions in the Company's charter documents and applicable state law. The foregoing factors and others are discussed in greater detail in the Company's filings with the SEC. The Company will not update or revise forward-looking statements to reflect events or circumstances after the date of this presentation or to reflect the occurrence of unanticipated events or the non-occurrence of anticipated events, whether as a result of new information, future developments, or otherwise, except as required by law. This presentation contains certain non-GAAP measures. Please refer to the Appendix accompanying this presentation for a reconciliation of non-GAAP measures to the most comparable GAAP measures. This presentation also contains certain financial terms and abbreviations. Please refer to the Appendix accompanying this presentation for a glossary of terms and abbreviations. 2

3Q 26 Highlights Portfolio Trends $157MM ENR Growth YoY Up 7.6% YoY $62MM Sequential ENR Growth In line with seasonal norms $530MM Origination Volume Up $8MM, or 1.5%, YoY $6.2MM ENR per Branch Up 6.1% YoY $345MM Auto-Secured Portfolio Up $70MM, or 25.2%, YoY Operating Effectiveness 7.5% 30+ DQ % Up 50 bps both sequentially and YoY 10.9% Net Credit Loss Rate Better by 130 bps sequentially; up 70 bps YoY 12.6% Operating Expense Ratio 20 bps decrease YoY, inclusive of 40 bps impact from bank partnership program 74% Fixed-Rate Debt WAC of 4.8% $324MM Unused Capacity Substantial bandwidth to fund growth Returns $1.61 Diluted EPS Up 13.4% YoY 15.9% ROE / 2.8% ROA Up 30 bps YoY / Down 10 bps YoY 4.0% Dividend Yield 3Q 26 $0.30 dividend per share $31MM Capital Return and $8MM Increase in Stockholders’ Equity (YTD) $50MM Capital Generation (YTD)¹ Strategic Execution Bank Partnership Program Expanded the bank partnership NC (launched 3Q, completion 4Q) LA and MO (launched 4Q) 40%+ of current run-rate originations Pre-tax margin projected to improve 200+ bps vs. similar state-licensed loans Omni-Channel Lending End-to-end digital lending capability launched July 2026 Technology, Analytics, & AI Completion of new branch origination platform rollout expected in 4Q Proprietary origination scorecard live in three states during 3Q; full rollout expected in 4Q 2026 This is a non-GAAP measure. Refer to the Appendix for a reconciliation to the most comparable GAAP measure. 3

3Q 26 Financial Highlights Net income of $15.1MM and diluted EPS of $1.61 ENR up $156.9MM, or 7.6%, YoY Record total revenue of $178.8MM grew 8.0% YoY Operating expense ratio of 12.6%, a YoY improvement of 20 bps, inclusive of 40 bps impact from bank partnership program 4

Responsible Portfolio Growth 5 Portfolio Growth Trend ($ in millions) Total originations up 5.3% from 2Q 26 and 1.5% from 3Q 25 Achieved 7.6% YoY portfolio growth driven by large loans, including high-quality auto-secured loans, and new branch openings Auto-secured product portfolio grew $69.5MM to 15.6% of the total portfolio, compared to 13.4% in the prior-year period New branches opened since 3Q 25 have generated $23.4MM, or 14.9%, of total YoY portfolio growth Quarterly Origination Trend ($ in millions)

Increased ENR Per Branch is Driving Efficiency 14 new branches opened since 3Q 25 have generated $23.4MM, or 14.9%, of the $156.9MM YoY portfolio growth Same store receivables grew 6.7% YoY, compared to 3Q 25 YoY growth of 9.9% 6 Note: ENR per branch in the age cohorts less than 5+ years may fluctuate period-over-period due to differences in average branch maturity within each cohort and the timing of new branch openings.

7 Revenue Up 8.0% on Receivable Growth and Bank Partnership Expansion Total Revenue and Interest and Fee Yields Total Revenue ($ in millions) Record total revenue of $178.8MM grew 8.0% YoY, driven by a $169.4MM increase in ANR and fee income from the bank partnership rollout Total revenue yield decreased 20 bps YoY primarily due to mix shift toward larger loans and auto-secured products, which typically carry lower yields and lower loss rates, partially offset by bank partnership fee income of 120 bps Total revenue yield up 110 bps sequentially, driven by bank partnership expansion and seasonality

Recent Credit Trends 30+ & 90+ DQ % ($ in millions) Net Credit Loss Rates 8 3Q 26 30+ delinquency rate increased 50 bps both sequentially and YoY to 7.5%. The increase primarily reflects slower portfolio growth and the performance of higher-risk segments that we have since tightened. Total delinquency of $165.8MM compares favorably to the allowance for credit losses of $230.8MM as of 3Q 26 3Q 26 net credit loss rate decreased 130 bps sequentially, due to seasonality 3Q 26 net credit loss rate increased 70 bps YoY primarily due to loans originated in 2025 in higher-risk segments and slower portfolio growth than the prior-year period

Reserves For Credit Losses ACL increased $6.8MM in 3Q 26, driven by portfolio growth; ACL rate remained flat sequentially at 10.4%. The 10 bps YoY increase in the ACL rate reflects updates to macroeconomic assumptions. Allowance for Credit Losses ($ in millions) 9

10 Operating Expense Ratio ($ in millions) Operating expense ratio of 12.6%, a YoY improvement of 20 bps, despite bank partnership impact and investment in technology, digital capabilities, and growth (including 14 new branches opened since 3Q 25) Inclusive of 40 bps from bank partnership loans, where origination costs are expensed upfront rather than deferred YoY total revenue growth outpaced G&A expense growth by 2.9x Investing for Long-Term Growth While Maintaining Expense Discipline

Cost of Funds 11 Interest Expense ($ in millions) Cost of funds stable at 4.4% both sequentially and YoY

Total unused capacity was $324MM (subject to borrowing base) as of September 30, 2026 Available liquidity of $104MM as of September 30, 2026 Fixed-rate debt represented 74% of total debt as of September 30, 2026, with WAC of 4.8% Strong Funding Profile Unused Capacity ($ in millions) Fixed vs. Variable Debt Funded Debt Ratios 12 (1) This is a non-GAAP measure. Refer to the Appendix for a reconciliation to the most comparable GAAP measure.

Excess Capital Consistently Returned to Stockholders 13 (1) This is a non-GAAP measure. Refer to the Appendix for a reconciliation to the most comparable GAAP measure. (2) Cumulative change since year-end 2020 through the period ended 3Q 26. Capital Performance Since Year-End 2020 (2) $190MM total capital increase $205MM returned to stockholders $395MM (1) capital generated at 12.2% CAGR 20.9% ratio of capital generation to average stockholders’ equity (1) Proven Track Record Proven track record of excess capital generation Returning capital to stockholders Reinvesting to drive sustainable, long-term profitable growth Significant capital generated even during recent periods of high inflation

Earnings Drivers and Long-Term Objectives 2026: Targeting YoY net income growth of 6%–9%, EPS growth of 10%–13%, and ENR growth of 5%–7% 2027: Strong YoY net income growth, driven by portfolio growth, bank partnership, and credit improvement Long-term: ROE ≥18%, ROA ≥ 3%, and NCL rate below 10% 3Q 2026 Results Originations & Loan Growth CECL Provision Reserve Impact Net Credit Loss Rate Strategic Initiatives Net Income Benefit ~$3.0MM Primarily driven by bank partnership Note: Ranges reflect current expectations and are subject to change based on geopolitical and macroeconomic conditions that may affect loan demand and resulting economics. Long-term objectives are not tied to a specific year and are distinct from 2027 expectations. NCL Rate of 10.9% Seasonal decrease vs. prior quarter Build of $6.8MM Seasonal increase in portfolio growth drove reserve build Growth of $62MM Growth from large loans, including high-quality auto-secured loans and new branch openings NCL Rate of ~11.5% Recent credit trends and expected seasonal increase vs. prior quarter Build of ~$6.0MM Reserve build expected to align with portfolio growth Growth of ~$60MM Loan demand expected to remain higher in 4Q driven by holiday demand 4Q 2026 Guidance Net Income Benefit ~$5.0MM Strategic initiative economics are included in full-year net income guidance Long-Term Objectives Return on Equity ≥18% Return on equity supported by portfolio growth, bank partnership, improved credit performance, and operating efficiency Return on Assets ≥3% Return on assets driven by strong risk-adjusted returns and efficient capital deployment Net Credit Loss Rate <10% Net credit loss rate below 10% achieved through enhanced credit models and investments in data, analytics, and collections 14

Appendix 15

Digitally sourced origination volume represented 32.2% of total new borrower volume Large loans (inclusive of auto-secured) represented 84.4% of new borrower digitally sourced loans originated in 3Q 26 Digitally Sourced Origination Volume ($ in millions) Digitally Sourced Originations 16

Consolidated Income Statements 17

Consolidated Balance Sheets 18

Non-GAAP Financial Measures In addition to financial measures presented in accordance with generally accepted accounting principles (“GAAP”), this presentation contains certain non-GAAP financial measures. The Company’s management utilizes non-GAAP measures as additional metrics to aid in, and enhance, its understanding of the Company’s financial results. The Company believes that these non-GAAP measures provide useful information by excluding certain material items that may not be indicative of our operating results. As a result, the Company believes that the non-GAAP measures that it has presented will aid in the evaluation of the operating performance of the business. Total capital and capital return, capital generation, and capital generation as a percentage of average stockholders’ equity are non-GAAP measures that incorporate stock repurchases and dividends returned to stockholders into measures of total capital. Management uses these measures to evaluate the Company's ability to generate capital to return to stockholders, reinvest in strategic initiatives, and evaluate its capacity to absorb losses. The Company also believes that these capital and absorption measures provide useful information to users of the Company’s financial statements in the evaluation of its ability to generate capital to return to stockholders, reinvest in strategic initiatives, and evaluate its capacity to absorb losses. Tangible equity and the funded debt-to-tangible equity ratio are non-GAAP measures that adjust GAAP measures to exclude intangible assets. Management uses these equity measures to evaluate and manage the Company’s capital and leverage position. The Company also believes that these equity measures are commonly used in the financial services industry and provide useful information to users of the Company’s financial statements in the evaluation of its capital and leverage position. The Company believes that the aforementioned non-GAAP measures will aid users of its financial statements in the evaluation of its operating performance. This non-GAAP financial information should be considered in addition to, not as a substitute for or superior to, measures of financial performance prepared in accordance with GAAP. In addition, the Company’s non-GAAP measures may not be comparable to similarly titled non-GAAP measures of other companies. The following tables provide reconciliations of GAAP measures to non-GAAP measures. 19

20 (1) Cumulative change since year-end 2020 through the period ended 3Q 26 Non-GAAP Financial Measures (Cont’d)

Non-GAAP Financial Measures (Cont’d) 21

Glossary 22 ACL – Allowance for Credit Losses Allowance for credit losses (ACL) rate – allowance for credit losses as a percentage of ENR ANR – average net finance receivables Average FICO – weighted-average FICO score at origination, weighted by loan volume Bank partnership fee income – marketing, processing, and servicing fees earned for services performed to administer the bank partnership program Bps – basis points Capital generation – the year-to-date change in total capital and capital return from the prior year-end Cost of funds – annualized interest expense as a percentage of average net finance receivables Cumulative capital return – dividend and common stock repurchase activity that has occurred since December 31, 2020 Debt balance – the balance for each respective debt agreement, composed of principal balance and accrued interest Dividend yield – annualized dividends per share divided by the closing share price as of the last day of the quarter Delinquency rate (DQ %) – delinquent loans outstanding as a percentage of ending net finance receivables ENR – ending net finance receivables Funded debt ratio – total debt divided by total assets Interest and fee yield – annualized interest and fee income as a percentage of average net finance receivables Net credit loss (NCL) rate – annualized net credit losses as a percentage of average net finance receivables Operating expense ratio – annualized general and administrative expenses as a percentage of average net finance receivables Originations – the principal balance of loan originations, refinancings, and purchases Return on assets (ROA) – annualized net income as a percentage of average total assets Return on equity (ROE) – annualized net income as a percentage of average stockholders’ equity Same store – comparison of branches with a comparable branch base; the comparable branch base includes those branches open for at least 1 year Total capital – stockholders’ equity plus allowance for credit losses Total revenue yield – annualized total revenue as a percentage of average net finance receivables WAC – weighted-average coupon YoY – year-over-year

EX-99.3

Filename: rm-ex99_3.htm · Sequence: 4

EX-99.3

Exhibit 99.3

Regional Management Corp. Appoints Elizabeth Canini as

Chief Credit Risk Officer

Greenville, South Carolina – October 28, 2026 – Regional Management Corp. (NYSE: RM), a diversified consumer finance company, announced today the appointment of Elizabeth Canini as Chief Credit Risk Officer, effective November 2, 2026.

Ms. Canini has more than 25 years of credit risk and consumer lending experience, with senior leadership roles at Citi, PNC, and HSBC. Most recently, she served as Managing Director and Senior Credit Officer for the Retail Bank at Citi, where she held independent second-line credit authority over the bank’s global residential mortgage portfolio. Prior to Citi, she spent 11 years at PNC, most recently as Senior Vice President and Head of Product Management – Student and Personal Lending, where she held full P&L responsibility for the bank’s unsecured personal lending and student lending portfolios. She began her career at HSBC, where she spent more than a decade in various credit risk roles.

“We are pleased to welcome Liz to Regional,” said Lakhbir S. Lamba, President and Chief Executive Officer of Regional Management Corp. “Liz has led consumer lending businesses and successfully overseen the credit management of large, complex portfolios, which gives her a balanced view of both growth and risk. Her depth in credit policy, analytics, and portfolio management will serve Regional well as we continue to focus on driving sustainable and profitable growth. In addition, I want to thank Manish Parmar for his many contributions to Regional over the past six years.”

“Regional has built a strong franchise serving customers who rely on accessible, easy-to-understand financial solutions,” said Ms. Canini. “I look forward to working with Lakhbir and the Regional team to further strengthen our credit capabilities and support responsible growth.”

About Regional Management Corp.

includes branches, centrally managed direct mail campaigns, digital partners, and its consumer website. For more information, please visit www.RegionalManagement.com.

Forward-Looking Statements

Contact:

Investor Relations

Garrett Edson, (203) 682-8331

investor.relations@regionalmanagement.com

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