Regions Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds purchased and repos dropped 83.3% in Q2 2026, from $1.20B to $200.0M. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Regions Bank is 31st of 93 on loan-to-deposit ratio, 75.73% as of Q2 2026, above the middle of the field. The median for banks in the $100B-250B asset tier is 81.12% on loan-to-deposit ratio. Regions Bank sits 5.39 points lower, at 75.73% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.96B |
| Cash and noninterest-bearing balances to assets | 6.86% |
| Cash and securities | $44.16B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $200.0M |
| Other borrowed money | $5.71B |
| Subordinated notes and debentures | $497.0M |
| Other borrowed money to assets | 3.57% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.73% |
| Net loans and leases to deposits | 74.60% |
| Loans and leases to core deposits | 77.14% |
| Core deposits to total deposits | 97.20% |
| Brokered deposits to total deposits | 1.20% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 76.87% | 96.79% | $0 | $4.01B |
| Q4 2023 | 75.88% | 96.17% | $0 | $11.0M |
| Q1 2024 | 74.08% | 96.23% | $0 | $2.00B |
| Q2 2024 | 76.04% | 96.54% | $0 | $3.22B |
| Q3 2024 | 75.68% | 96.08% | $0 | $5.17B |
| Q4 2024 | 74.70% | 96.20% | $0 | $4.17B |
| Q1 2025 | 72.24% | 96.35% | $0 | $3.67B |
| Q2 2025 | 73.71% | 96.26% | $0 | $3.67B |
| Q3 2025 | 73.53% | 96.57% | $0 | $4.47B |
| Q4 2025 | 72.83% | 97.06% | $0 | $3.42B |
| Q1 2026 | 74.11% | 97.40% | $1.20B | $3.42B |
| Q2 2026 | 75.73% | 97.20% | $200.0M | $5.71B |
Regions Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Regions Bank, freeSource: Call Report Schedules RC and RC-M, 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)