Regions Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.26 percentage points higher than in Q1 2026, at 111.66%. 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. Regions Bank reported 75.73% on loan-to-deposit ratio for Q2 2026, 5.39 points below the 81.12% median for banks in the $100B-250B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $99.79B |
| Net loans and leases | $98.30B |
| Loans held for sale | $591.0M |
| Loans to total assets | 62.45% |
| Loan-to-deposit ratio | 75.73% |
| Net loans to equity capital | 5.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.59% |
| Multifamily (5+ residential) | 3.88% |
| Commercial and industrial | 27.52% |
| Consumer | 7.20% |
| Credit cards | 1.50% |
| Farm | 0.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 7.39% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 111.66% |
| Construction concentration (Tier 1 capital + allowance) | 17.29% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.54% |
| Interest income on loans | $1.33B |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $99.38B | $129.29B | 9.65% | 32.78% | 8.08% |
| Q4 2023 | $98.76B | $130.15B | 9.73% | 32.28% | 7.97% |
| Q1 2024 | $97.25B | $131.27B | 9.81% | 32.28% | 7.97% |
| Q2 2024 | $98.04B | $128.94B | 9.60% | 32.15% | 7.97% |
| Q3 2024 | $97.31B | $128.57B | 9.67% | 31.71% | 8.01% |
| Q4 2024 | $97.31B | $130.26B | 9.49% | 27.74% | 7.92% |
| Q1 2025 | $96.08B | $132.99B | 9.46% | 27.88% | 7.84% |
| Q2 2025 | $97.29B | $132.00B | 9.42% | 28.26% | 7.69% |
| Q3 2025 | $96.69B | $131.48B | 9.41% | 28.18% | 7.70% |
| Q4 2025 | $96.12B | $131.99B | 9.66% | 26.62% | 7.70% |
| Q1 2026 | $98.38B | $132.76B | 9.81% | 26.42% | 7.34% |
| Q2 2026 | $99.79B | $131.78B | 9.59% | 27.52% | 7.20% |
Regions Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Regions Bank, freeSource: Call Report Schedule RC-C, 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)