Regions Bank
Regions Bank reported total assets of $159.8 bn at Q2 2026, up 1.3% on a year earlier, the 27th largest of 497 banks in our US coverage. The CET1 capital ratio at Regions Bank was 11.58%, and the uninsured share of Regions Bank was 39.23%. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, Regions Bank slipped from 171st to 248th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Regions Bank reports one of the lowest common equity tier 1 (CET1) ratio readings among banks of over $100 bn: 11.58% at , where the median of the 32 banks is 13.06% (FDIC Call Reports).
- Since , Regions Bank has taken over one institution; the latest was EnerBank USA on (FDIC Call Reports).
What sets Regions Bank apart
How large is Regions Bank?
The balance sheet of Regions Bank at : assets $159.8 bn, deposits $131.8 bn, net loans $98.3 bn (loans equal to 74.60% of deposits). Securities make up 20.8% of total assets at Regions Bank. Since , when Regions Bank held $124.6 bn, its assets grew 28.2%. In the year to , deposits at Regions Bank fell 0.2% while its total assets rose 1.3%. At , Regions Bank employed 19,895 full-time equivalent staff across 1,259 offices, about $8.0 mn of assets per employee and $104.7 mn of deposits per office.
How much funding at Regions Bank is uninsured?
At Regions Bank, uninsured deposits (above the FDIC limit) made up 39.23% of domestic deposits at (+0.27 pp on a year earlier); Regions Bank ranks 199th of 500 on this measure. In dollars, Regions Bank estimated $51.7 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $131.8 bn | -0.2% | 27th of 499 |
| Net loans and leases | $98.3 bn | +2.7% | 22nd of 500 |
| Loan-to-deposit ratio | 74.60% | +2.11 pp | 390th of 500 |
| Tier 1 leverage ratio | 9.50% | +0.12 pp | 372nd of 500 |
| Total risk-based capital ratio | 13.22% | +0.10 pp | 337th of 448 |
| Net interest margin | 3.72% | +0.04 pp | 223rd of 500 |
| Return on assets (ROA) | 1.46% | -0.02 pp | 168th of 500 |
| Efficiency ratio | 55.87% | +1.62 pp | 248th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $91.0 mn | Narrowed by $67.0 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $780.0 mn | Narrowed by $298.0 mn | |
| Noncurrent loans to total loans | 0.93% | -0.11 pp | 351st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.47% | -0.01 pp | 437th of 500 (1 = lowest) |
US rank of Regions Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Regions Bank: assets, deposits and loans
- Total assets $160bn
- Deposits $132bn
- Net loans $98.3bn
Capital and securities
The CET1 ratio of Regions Bank stood at 11.58% in , +0.11 pp year on year. Low and high at Regions Bank since : 10.66% () to 12.99% (). Equity capital of Regions Bank at : $17.9 bn, or 11.2% of total assets. Regions Bank also reported a total capital ratio of 13.22% for , and a tier 1 leverage ratio of 9.50%.
On held-to-maturity securities, Regions Bank carried an unrealized loss of $91.0 mn at , equal to 0.5% of equity capital. The loss narrowed by $67.0 mn over the year. Its deepest point: $200.0 mn in . The available-for-sale portfolio of Regions Bank showed an unrealized loss of $780.0 mn at ; the loss narrowed by $298.0 mn over the year.
Regions Bank: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.5%
Regions Bank: unrealized securities gains and losses
- Available for sale -$780mn
- Held to maturity -$91mn
Profitability and loan quality
For the year to , Regions Bank earned a return on equity of 12.86%; return on assets: 1.46%. Net interest margin at Regions Bank: 3.72%, +0.04 pp in a year. Regions Bank net income: $1.2 bn, down 0.3% year on year. The efficiency ratio of Regions Bank was 55.87%: about 56 cents cost per revenue dollar, against 52 cents at the median peer.
At , noncurrent loans were 0.93% of total loans at Regions Bank; net charge-offs: 0.47% of average loans. Gross loans and leases at Regions Bank: $99.8 bn, up 2.6% in a year.
Regions Bank: profitability
- Return on equity 13%
- Net interest margin 3.7%
- Return on assets 1.5%
Peer group of Regions Bank
The peer group of Regions Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Regions Bank (state member bank), 6 sit in the same size group (over $100 bn) and 0 have head offices in Alabama. Against them, Regions Bank shows CET1 ratio 11.58% against a peer median of 13.32%, return on equity 12.86% against a peer median of 14.36% and uninsured deposit share 39.23% against a peer median of 43.35%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Ally Bank | State member bank | UT | $188.2 bn | 12.30% | 14.53% | 10.37% | |
| The Northern Trust Company | State member bank | IL | $178.6 bn | 11.83% | 22.34% | 76.66% | |
| HSBC Bank USA | National bank | VA | $173.1 bn | 15.90% | 10.02% | 71.29% | |
| Regions Bank | State member bank | AL | $159.8 bn | 11.58% | 12.86% | 39.23% | |
| Pinnacle Bank | State member bank | TN | $128.8 bn | 10.73% | 9.24% | 49.54% | |
| UBS Bank USA | National bank | UT | $124.4 bn | 26.74% | 14.19% | 37.16% | |
| Synchrony Bank | Federal savings bank | UT | $115.2 bn | 14.35% | 22.07% | 11.92% | |
. FDIC Call Reports.
Last eight quarters
Two years at Regions Bank, to : assets +2.2%, deposits +2.5%, equity +1.7%. Staff 19,452 to 19,895; offices 1,275 to 1,259.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $156.4 bn | $155.9 bn | $158.4 bn | $157.8 bn | $158.6 bn | $157.4 bn | $159.4 bn | $159.8 bn |
| Total deposits | $128.6 bn | $130.3 bn | $133.0 bn | $132.0 bn | $131.5 bn | $132.0 bn | $132.8 bn | $131.8 bn |
| Bank equity capital | $17.6 bn | $16.2 bn | $17.4 bn | $17.5 bn | $18.0 bn | $18.1 bn | $18.1 bn | $17.9 bn |
| CET1 ratio | 11.63% | 11.32% | 11.77% | 11.47% | 11.66% | 11.72% | 11.70% | 11.58% |
| Return on equity (ROE) | 12.04% | 12.51% | 13.45% | 13.65% | 13.54% | 12.90% | 12.69% | 12.86% |
| Uninsured share of domestic deposits | 38.04% | 38.28% | 38.68% | 38.96% | 39.53% | 39.59% | 39.37% | 39.23% |
| Full-time equivalent employees | 19,452 | 19,541 | 19,433 | 19,533 | 19,562 | 19,857 | 19,799 | 19,895 |
| Number of offices | 1,275 | 1,268 | 1,264 | 1,264 | 1,261 | 1,260 | 1,259 | 1,259 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Regions Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed EnerBank USA (FDIC certificate 57293).
Questions and identifiers
What were the total assets of Regions Bank?
Regions Bank reported $159.8 bn at in its Call Report. That makes Regions Bank the 27th largest of 497 banks in our US coverage.
Is Regions Bank the same as its holding company?
No. This page covers Regions Bank, FDIC certificate 12368; REGIONS FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Regions Bank profitable?
Regions Bank reported net income of $1.2 bn for the year to ; annualized return on equity: 12.86%. So yes: Regions Bank made a profit over these months.
When is data for Regions Bank next updated?
Figures from Regions Bank for are due after .
Where can I check the figures for Regions Bank?
In the FDIC BankFind Suite record for certificate 12368, and in the Call Reports of Regions Bank (RSSD ID 233031) at the FFIEC Central Data Repository.