Regions Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 11.8% in Q2 2026, from -$1.72B to -$1.92B. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Regions Bank is 31st of 36 on CET1 ratio, 11.58% as of Q2 2026, below the middle of the field. Regions Bank reported 11.58% on CET1 ratio for Q2 2026, 0.78 points below the 12.36% median for banks in the $100B-250B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.58% |
| Tier 1 risk-based capital ratio | 11.58% |
| Total risk-based capital ratio | 13.22% |
| Tier 1 leverage ratio | 9.50% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $14.75B |
| Tier 1 capital | $14.75B |
| Total risk-based capital | $16.84B |
| Total equity capital | $17.94B |
| Risk-weighted assets | $127.35B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.23% |
| Tangible equity to tangible assets | 8.22% |
| Equity capital to average assets | 11.21% |
| Internal capital growth rate | 1.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $16.48B |
| Retained earnings | $3.38B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.92B |
| Subordinated notes and debentures | $497.0M |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.82% | 10.82% | 12.32% | 9.05% | $126.53B |
| Q4 2023 | 11.22% | 11.22% | 12.74% | 9.44% | $126.04B |
| Q1 2024 | 11.20% | 11.20% | 12.85% | 9.41% | $124.80B |
| Q2 2024 | 11.35% | 11.35% | 13.00% | 9.47% | $125.27B |
| Q3 2024 | 11.63% | 11.63% | 13.28% | 9.58% | $124.29B |
| Q4 2024 | 11.32% | 11.32% | 12.97% | 9.21% | $123.96B |
| Q1 2025 | 11.77% | 11.77% | 13.42% | 9.53% | $123.32B |
| Q2 2025 | 11.47% | 11.47% | 13.12% | 9.38% | $125.32B |
| Q3 2025 | 11.66% | 11.66% | 13.31% | 9.46% | $124.97B |
| Q4 2025 | 11.72% | 11.72% | 13.37% | 9.48% | $123.52B |
| Q1 2026 | 11.70% | 11.70% | 13.35% | 9.58% | $125.32B |
| Q2 2026 | 11.58% | 11.58% | 13.22% | 9.50% | $127.35B |
Regions Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Regions Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Regions Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12368) · FFIEC NIC profile (RSSD 233031)