Regional Management Corp.

We are a diversified consumer finance company that provides installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. As of March 31, 2026, we operate under the name “Regional Finance” online and in 355 branch locations in 19 states across the United States, serving 572,000 active accounts. Most of our loan products are secured, and each is structured on a fixed-rate, fixed-term basis with fully amortizing equal monthly installment payments, repayable at any time without penalty. We source our loans through our omni-channel platform, which includes our branches, centrally-managed direct mail campaigns, digital partners, and our consumer website. We operate an integrated branch model in which nearly all loans, regardless of origination channel, are serviced through our branch network with the support of centralized sales, underwriting, service, collections, and administrative teams. This model provides us with frequent contact with our customers, which we believe improves our credit performance and customer loyalty. Our goal is to consistently grow our finance receivables and to soundly manage our portfolio risk, while providing our customers with attractive and easy-to-understand loan products that serve their varied financial needs.

Our products include:

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Large Loans (>$2,500) – As of March 31, 2026, we had 286.8 thousand large installment loans outstanding, representing $1.6 billion in net finance receivables. This included 81.2 thousand large loan convenience checks, representing $259.7 million in net finance receivables.

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Small Loans (≤$2,500) – As of March 31, 2026, we had 285.2 thousand small installment loans outstanding, representing $512.5 million in net finance receivables. This included 147.6 thousand small loan convenience checks, representing $227.5 million in net finance receivables.

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Optional Insurance Products – We offer optional payment and collateral protection insurance to our direct loan customers.

Our core products are large and small installment loans. Our primary sources of revenue are interest and fee income from our loan products, of which interest and fees relating to large and small installment loans are the largest component. In addition to interest and fee income from loans, we earn revenue from optional insurance products purchased by customers of our loan products.