Regions Bank
Birmingham, AL·RSSD 233031·FDIC 12368·bank:233031·Risk-based ratios where reported
- #1 of 93Total assets in Alabama
- Top 1%Total assets in the U.S.
- 1,256offices
- 19.9Kemployees
- Top 6%Cost of deposits vs. peers
- #9 of 81Lowest cost of deposits in Alabama
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Regions Bank
1 of 25 FORFI signals stand out against 52 similar banks, based on FDIC data for the quarter.
Deposit costs among the lowest of similar banksStrength: Funding 2nd quarter1.17%peers 1.80%-63 bps
Regions Bank's cost of all deposits was 1.17%, compared with a median of 1.80% among 50 similar banks: lower than 94% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 1.17% | 1.80% | -63 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Regions Bank itself is left out of every peer median and percentile. How signals work
Where Regions Bank differs most from peers
Loans growing more slowly than peersContext: Lending+2.6%peers +7.9%-5.3 pp
Regions Bank's loans grew 2.6% over the past year to $99.8 billion. The median among 52 similar banks was +7.9%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +2.6% | +7.9% | -5.3 pp |
| Loans | ||
| $99.8 billion | ||
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Regions Bank itself is left out of every peer median and percentile. How signals work
Net interest margin among the highest of similar banksContext: Earnings3.75%peers 3.31%+44 bps
Regions Bank's net interest margin was 3.75%, compared with a median of 3.31% among 50 similar banks: higher than 80% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 3.75% | 3.31% | +44 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Regions Bank itself is left out of every peer median and percentile. How signals work
Key facts
- Regions Bank is a bank headquartered in Birmingham, Alabama. It reported $160 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $132 billion, down 0.2% from a year earlier, and loans totaled $99.8 billion, up 2.6%.
- Its net interest margin was 3.75% and its annualized return on assets was 1.47% for the quarter.
- Its cost of all deposits was 1.17%, compared with a median of 1.80% among 50 similar banks with $50 billion or more in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Regions Bank's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Regions Bank · Bank
- Federal Reserve RSSD
- 233031
- FDIC certificate
- 12368
- Reporting period
- Peer group
- 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Regions Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $586M | — | |
| $1.74B | — | |
| $453M | — | |
| $1.29B | — | |
| $617M | — | |
| $1.08B | — | |
| $64M | — | |
| $68M | — | |
| 1.47% | 1.47%ROAQ · Quarter | |
| 3.75% | 3.74%NIMYQ · Quarter | |
| 56.53% | 56.21%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.