Regions Bank
Total assets
$159.79B
▲ +1.3% YoY
Deposits
$131.78B
▼ -0.2% YoY
Loans
$98.30B
▲ +2.7% YoY
Offices
1,259
REGIONS FINANCIAL CORP
ROA (annualized)
1.46%
peers 1.23%
ROE (annualized)
12.86%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | Regions Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +5.9% | -4.6 pts |
| Deposit growth (YoY) | -0.2% | +5.7% | -5.9 pts |
| Loan growth (YoY) | +2.7% | +6.9% | -4.2 pts |
| ROA | 1.46% | 1.23% | +0.2 pts |
| ROE | 12.9% | 11.2% | +1.6 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
Profile
- Established
- 1928
- Charter
- State
- Primary regulator
- FED
- Holding company
- REGIONS FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 1900 5th Ave N, Birmingham, AL, 35203
- County
- Jefferson
- Metro area
- Birmingham-Hoover, AL
- Offices
- 1,259
- FDIC cert #
- 12368
- RSSD ID
- 233031
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $159.79B | $131.78B | $98.30B | $17.94B | $1.16B | 1.46% | 3.72% | 0.59% |
| Q1 2026 | $159.43B | $132.76B | $96.86B | $18.06B | $573.0M | 1.45% | 3.69% | 0.61% |
| Q4 2025 | $157.41B | $131.99B | $94.57B | $18.07B | $2.25B | 1.43% | 3.71% | 0.62% |
| Q3 2025 | $158.60B | $131.48B | $95.10B | $18.05B | $1.76B | 1.48% | 3.69% | 0.62% |
| Q2 2025 | $157.81B | $132.00B | $95.68B | $17.55B | $1.16B | 1.48% | 3.67% | 0.65% |
| Q1 2025 | $158.42B | $132.99B | $94.46B | $17.38B | $564.0M | 1.44% | 3.59% | 0.70% |
| Q4 2024 | $155.92B | $130.26B | $95.69B | $16.17B | $2.05B | 1.33% | 3.71% | 0.75% |
| Q3 2024 | $156.38B | $128.57B | $95.70B | $17.64B | $1.49B | 1.29% | 3.69% | 0.69% |
Loan mix (Q2 2026): real estate $41.33B · commercial $27.46B · consumer $7.18B · securities $33.19B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Regions Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.23% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 11.3% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.55% | 60th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.9% | 54.9% | 57th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Regions Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Regions Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Regions Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Regions Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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