Bank Comparison
Huntington National Bank, the vs Regions Bank
Southeast versus Midwest super-regional.
vs
18 · 6
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Huntington National Bank, the | Regions Bank |
|---|---|---|
| CET1 Ratio | 12.05% | 11.70% |
| Tier 1 Capital Ratio | 12.26% | 11.70% |
| Total Capital Ratio | 14.09% | 13.35% |
| Tier 1 Leverage Ratio | 10.24% | 9.58% |
| Equity / Assets | 11.66% | 11.33% |
Profitability
| Metric | Huntington National Bank, the | Regions Bank |
|---|---|---|
| Return on Assets (ROA) | 0.98% | 1.45% |
| Return on Equity (ROE) | 8.77% | 12.69% |
| Net Interest Margin (NIM) | 3.32% | 3.67% |
| Yield on Earning Assets | 5.18% | 4.93% |
| Cost of Funds | 2.04% | 1.28% |
Asset quality
| Metric | Huntington National Bank, the | Regions Bank |
|---|---|---|
| Texas Ratio | 8.20% | 8.40% |
| Non-Performing Loan Ratio | 0.90% | 0.94% |
| Non-Performing Asset Ratio | 0.61% | 0.59% |
| Net Charge-Off Ratio | 0.26% | 0.54% |
| ACL / Loans | 1.71% | 1.55% |
Balance sheet
| Metric | Huntington National Bank, the | Regions Bank |
|---|---|---|
| Total Assets | $284,135M | $159,430M |
| Total Deposits | $227,513M | $132,760M |
| Total Loans | $189,769M | $98,382M |
| Total Equity | $33,143M | $18,064M |
| Net Income (quarter) | $629,840K | $573,000K |
Liquidity & funding
| Metric | Huntington National Bank, the | Regions Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 83.41% | 74.11% |
| Core Deposit Ratio | 96.70% | 98.17% |
| Uninsured Deposit Ratio | 31.78% | 39.37% |
Identity
| Metric | Huntington National Bank, the | Regions Bank |
|---|---|---|
| Headquarters City | COLUMBUS | BIRMINGHAM |
| Headquarters State | OH | AL |
| Asset Tier | National | National |
| Charter Class | 7745 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 1,623 | 1,261 |
| Employees (FTE) | 25,197 | 19,799 |
| Established | Jan. 6, 1866, midnight | Jan. 1, 1928, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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