Regional Management Corp.
For the period ended Jun 30, 2026. Filed Jul 31, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Jun 30, 2026 · Filed Jul 31, 2026
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Comparison of June 30, 2026, versus June 30, 2025
The following discussion and table describe the changes in finance receivables by product type for the periods indicated:
Large Loans (>$2,500)– Large loans outstanding increased by $246.3 million, or 17.4%, to $1.7 billion at June 30, 2026, from $1.4 billion at June 30, 2025. The increase was due to growth in our auto-secured loan portfolio, the growth of receivables in branches opened during 2025 and 2026, and the transition of small loan customers to large loans.
Small Loans (≤$2,500)– Small loans outstanding decreased by $58.4 million, or 10.7%, to $488.6 million at June 30, 2026, from $547.0 million at June 30, 2025. The decrease was driven by tightened underwriting in higher-risk business amid a more competitive environment for new customer acquisition, and the transition of small loan customers to large loans, partially offset by growth of receivables in branches opened during 2025 and 2026.
| Dollars in thousands | June 30, 2026 | June 30, 2025 | YoY $ Inc (Dec) | YoY % Inc (Dec) |
|---|---|---|---|---|
| Large loans | $1,659,685 | $1,413,367 | $246,318 | 17.4% |
| Small loans | 488,568 | 546,997 | (58,429) | (10.7)% |
| Total | $2,148,253 | $1,960,364 | $187,889 | 9.6% |
| Number of branches | 357 | 352 | 5 | 1.4% |
| Net finance receivables per branch | $6,018 | $5,569 | $449 | 8.1% |
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