Regions Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Regions Bank is the 27th-largest bank in the United States, with $159.8 billion in assets at June 30, 2026, up 1.3% from a year earlier. It is headquartered in Birmingham, Alabama, and operates 1,259 domestic branches. It lost 0.2% of its deposits over the year, lower than about 9 in 10 of the 14 banks with $100 billion to $250 billion in assets (median 3.9%). It also pays an average of 1.31% on its deposits and borrowings, lower than about three-quarters of banks its size (median 2.26%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.77% of loans, down from 0.93% a year earlier. Where it has less room is capital: it holds common equity equal to 11.58% of its risk-weighted assets, lower than about three-quarters of banks its size (median 12.29%).
As of June 30, 2026, Regions Bank reported a CET1 capital ratio of 11.58%, a return on assets of 1.47%, a nonperforming-loan ratio of 0.89% and a Texas ratio of 5.58%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1900 5th Ave N, Birmingham, AL 35203
- County
- Jefferson
- Metro Area
- Birmingham, AL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1928
- Former names
- First Alabama Bank (1984-1996); First Alabama Bank of Birmingham (1975-1984); Exchange-Security Bank (1957-1975)
- Offices
- 1,259 domestic
- Employees (FTE)
- 19,895
- Domestic deposits
- $131.78B
- Allowance for credit losses
- $1.49B
- Net charge-offs (YTD)
- $232.0M
- Average total assets
- $159.96B
- Average total loans
- $97.85B
- Average interest-bearing deposits
- $91.83B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12368
- Fed RSSD
- 233031
- SEC CIK
- 1281761 → filed by REGIONS FINANCIAL CORPORATION
- Website
- http://www.regions.com →
- Parent Holding Company
- REGIONS FINANCIAL CORPORATION (RSSD 3242838) · RF
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| John M Turner Jr | CEO | Chairman, President and CEO |
| Anil D Chadha | CFO | Chief Financial Officer |
| Tara A Plimpton | GC | SEVP & Chief Legal Officer |
| Russell K Zusi | CRO | SEVP & CRO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Regions Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Regions Bank, freeRegions Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.58% | 1.47% | 0.89% | 5.58% | 3.71% |
| Q1 2026 | 11.70% | 1.45% | 0.94% | 5.73% | 3.67% |
| Q4 2025 | 11.72% | 1.26% | 1.05% | 5.82% | 3.78% |
| Q3 2025 | 11.66% | 1.49% | 1.14% | 6.17% | 3.67% |
| Q2 2025 | 11.47% | 1.52% | 1.19% | 6.61% | 3.71% |
| Q1 2025 | 11.77% | 1.44% | 1.21% | 7.28% | 3.56% |
| Q4 2024 | 11.32% | 1.44% | 1.19% | 8.41% | 3.67% |
| Q3 2024 | 11.63% | 1.36% | 1.19% | 6.99% | 3.66% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1,245 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Regions Bank (main office) | Birmingham , AL | 35203 | $8.80B |
| Music Row Branch | Nashville , TN | 37203 | $2.76B |
| Clayton Mo Branch | Clayton , MO | 63105 | $1.75B |
| Downtown Tampa Branch | Tampa , FL | 33602 | $1.62B |
| Dallas Uptown Branch | Dallas , TX | 75202 | $1.57B |
| Atlanta Midtown Branch | Atlanta , GA | 30309 | $1.41B |
| Rsa Battle House Tower Branch | Mobile , AL | 36602 | $1.14B |
| Poplar Main Branch | Memphis , TN | 38119 | $1.02B |
| Montgomery Monroe St Main Branch | Montgomery , AL | 36104 | $849.3M |
| Madison St Huntsville Branch | Huntsville , AL | 35801 | $685.2M |
| Jackson Ms Main Branch | Jackson , MS | 39201 | $669.9M |
| Little Rock Main Branch | Little Rock , AR | 72201 | $669.7M |
| Ponce De Leon Branch | Coral Gables , FL | 33134 | $665.6M |
| Greenway Plaza Branch | Houston , TX | 77046 | $659.1M |
| Charlotte Uptown Branch | Charlotte , NC | 28202 | $612.1M |
| Barataria Blvd Branch | Marrero , LA | 70072 | $592.1M |
| Orlando Main 111 N Orange Ave Branch | Orlando , FL | 32801 | $579.9M |
| Gateway St Pete Branch | Saint Petersburg , FL | 33702 | $547.6M |
| Tower Banking Center Branch | Indianapolis , IN | 46204 | $533.1M |
| Knollwood Branch | Knoxville , TN | 37919 | $512.6M |
| Covington West Branch | Covington , LA | 70433 | $478.2M |
| Steed Rd Branch | Ridgeland , MS | 39157 | $460.0M |
| Bob Wallace Avenue Branch | Huntsville , AL | 35801 | $455.7M |
| Bay Minette Courthouse Square Branch | Bay Minette , AL | 36507 | $450.4M |
| Cullman 711 2nd Ave Main Branch | Cullman , AL | 35055 | $425.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2021 | Structure Change | Acquired EnerBank USA Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 7, 2009 | Structure Change | Acquired FirstBank Financial Services Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 6, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 30, 2008 | Structure Change | Acquired Integrity Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 29, 2008 | Merger | Participated in FDIC Assisted Merger | FDIC |
| November 30, 2007 | Structure Change | Acquired RF Trust Company, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 4, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 4, 2006 | Structure Change | Acquired AmSouth Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 29, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 29, 2005 | Structure Change | Acquired Regions Morgan Keegan Trust, F.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 2005 | Structure Change | Acquired Union Planters Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 12, 2002 | Structure Change | Acquired Brookhollow National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 12, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 17, 2002 | Structure Change | Acquired Independence Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 17, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 5, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 5, 2002 | Structure Change | Acquired First Bank of Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 8, 2002 | Structure Change | Acquired Park Meridian Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 8, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 10, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 10, 2000 | Structure Change | Acquired Texas Heritage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 13, 2000 | Structure Change | Acquired Bank at Ormond-By-The-Sea Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 13, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 8, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 8, 2000 | Structure Change | Acquired Security First National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 23, 2000 | Structure Change | Acquired Minden Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 23, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 10, 2000 | Structure Change | Acquired Lincoln County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 9, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 5, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 5, 1999 | Structure Change | Acquired Meigs County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 8, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 8, 1999 | Structure Change | Acquired Regions Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 10, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 10, 1999 | Structure Change | Acquired The Planters Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 16, 1999 | Structure Change | Acquired The St. Mary Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 16, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 25, 1999 | Structure Change | Acquired Fayette County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 25, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 23, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 42 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Regions Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 3 against the institution (Federal Reserve); 116 against individuals associated with it
- August 14, 2023, Federal Reserve: Civil Money Penalty: Regions Bank, Birmingham, Alabama
- June 25, 2014, Federal Reserve: Civil Money Penalty, $46,000,000: Regions Bank, Birmingham, Alabama
- December 15, 2009, Federal Reserve: Civil Money Penalty, $135,000: Regions Bank, Birmingham, Alabama
- Period: Most recent institution action August 14, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 21.3% of deposits in AL, rank 1 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 68,730 applications, 30,269 loans originated, $7.96B originated, across 44 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 164 loans, $138.5M approved, $844K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Regions Bank
What are Regions Bank's total assets?
As of the Q2 2026 filing, Regions Bank reported total assets of $159.79 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Regions Bank headquartered?
Regions Bank is headquartered in Birmingham, AL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Regions Bank founded?
Regions Bank was established in 1928, per the FDIC institution directory.
Is Regions Bank FDIC-insured?
Yes. Regions Bank is an FDIC-insured commercial bank (FDIC Certificate #12368). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Regions Bank?
Regions Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Regions Bank's CET1 capital ratio?
Regions Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.58% in its Q2 2026 call report, above regulatory requirements.
How many branches does Regions Bank operate?
Regions Bank operates 1,259 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Regions Bank's Texas Ratio?
Regions Bank's Texas Ratio is 5.58% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Regions Bank previously called?
The charter now named Regions Bank has also operated as First Alabama Bank (1984-1996), First Alabama Bank of Birmingham (1975-1984), Exchange-Security Bank (1957-1975), per FDIC structure-change records.
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