Regions Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.22% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 5.22% (RCFAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 11.58% +5.08 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $14.75B | 14,747,000 | RCFAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $127.35B | 127,347,000 | RCFAA223 |
| Recomputed ratio | 11.58% | numerator / denominator | |
| Filed ratio | 11.58% | RCFAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.08 pp | $6.47B | capital that could be lost first |
Tier 1 risk-based capital ratio 11.58% +3.58 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $14.75B | 14,747,000 | RCFA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $127.35B | 127,347,000 | RCFAA223 |
| Recomputed ratio | 11.58% | numerator / denominator | |
| Filed ratio | 11.58% | RCFA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.58 pp | $4.56B | capital that could be lost first |
Total risk-based capital ratio 13.22% +3.22 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $16.84B | 16,836,000 | RCFA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $127.35B | 127,347,000 | RCFAA223 |
| Recomputed ratio | 13.22% | numerator / denominator | |
| Filed ratio | 13.22% | RCFA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.22 pp | $4.10B | capital that could be lost first |
Tier 1 leverage ratio 9.50% +4.50 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $14.75B | 14,747,000 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $155.23B | 155,234,000 | RCFAA224 |
| Recomputed ratio | 9.50% | numerator / denominator | |
| Filed ratio | 9.50% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.50 pp | $6.99B | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 16,483,000 | 16,466,000 | 16,454,000 | 16,399,000 | 16,399,000 | 16,399,000 | RCFAP742 |
| Retained earnings | 3,378,000 | 3,317,000 | 3,153,000 | 3,308,000 | 3,115,000 | 3,267,000 | RCFAKW00 |
| Accumulated other comprehensive income | (1,922,000) | (1,719,000) | (1,536,000) | (1,660,000) | (1,967,000) | (2,284,000) | RCFAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 17,939,000 | 18,064,000 | 18,071,000 | 18,047,000 | 17,547,000 | 17,382,000 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | (3,192,000) | (3,404,000) | (3,596,000) | (3,472,000) | (3,175,000) | (2,868,000) | P859 - P840 |
| Common equity Tier 1 capital | 14,747,000 | 14,660,000 | 14,475,000 | 14,575,000 | 14,372,000 | 14,514,000 | RCFAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP865 |
| Tier 1 capital | 14,747,000 | 14,660,000 | 14,475,000 | 14,575,000 | 14,372,000 | 14,514,000 | RCFA8274 |
| Tier 2 capital | 2,089,000 | 2,064,000 | 2,042,000 | 2,061,000 | 2,065,000 | 2,040,000 | RCFA5311 |
| Allowance includable in Tier 2 capital | 1,592,000 | 1,567,000 | 1,545,000 | 1,564,000 | 1,569,000 | 1,544,000 | RCFA5310 |
| Total capital | 16,836,000 | 16,724,000 | 16,517,000 | 16,636,000 | 16,437,000 | 16,554,000 | RCFA3792 |
| Total risk-weighted assets | 127,347,000 | 125,320,000 | 123,515,534 | 124,975,000 | 125,323,000 | 123,322,702 | RCFAA223 |
| Average total assets for the leverage ratio | 155,234,000 | 152,998,000 | 152,654,000 | 153,995,000 | 153,194,000 | 152,270,000 | RCFAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $10.96B | $430.2M | 3.92% | 0.34% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $34.62B | $5.95B | 17.19% | 4.67% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $25.00B | $14.21B | 56.82% | 11.15% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $306.0M | $459.0M | 150.00% | 0.36% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $646.0M | $969.0M | 150.00% | 0.76% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $69.97B | $64.89B | 92.74% | 50.95% | RC-R Part II, item 4.d, 5.d |
| Trading assets | $1.0M | $1.0M | 100.00% | 0.00% | RC-R Part II, item 7 |
| All other assets | $10.32B | $10.98B | 106.38% | 8.62% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $3.0M | $37.5M | 1250.00% | 0.03% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $27.83B | $26.68B | 95.85% | 20.95% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $1.09B | $787.3M | 72.29% | 0.62% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $1.97B | NA | 1.55% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $125.40B | ties to item 31 ($125.40B) |
|---|---|---|
| Risk-weighted assets before deductions | $127.37B | RCFDB704 |
| Less: excess allowance for credit losses | $19.0M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $127.35B | RCFDG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 11.58% | 11.58% | 13.22% | 9.50% | 12.29% | 12.29% | 13.89% | 9.51% |
| 1Q26 | Risk-based | 11.70% | 11.70% | 13.35% | 9.58% | 12.54% | 12.54% | 14.17% | 9.60% |
| 4Q25 | Risk-based | 11.72% | 11.72% | 13.37% | 9.48% | 12.55% | 12.55% | 14.29% | 9.77% |
| 3Q25 | Risk-based | 11.66% | 11.66% | 13.31% | 9.46% | 12.89% | 12.89% | 14.56% | 9.72% |
| 2Q25 | Risk-based | 11.47% | 11.47% | 13.12% | 9.38% | 12.88% | 12.88% | 14.61% | 9.80% |
| 1Q25 | Risk-based | 11.77% | 11.77% | 13.42% | 9.53% | 12.91% | 12.91% | 14.38% | 9.67% |
| 4Q24 | Risk-based | 11.32% | 11.32% | 12.97% | 9.21% | 12.94% | 12.94% | 14.47% | 9.48% |
| 3Q24 | Risk-based | 11.63% | 11.63% | 13.28% | 9.58% | 12.54% | 12.54% | 14.32% | 9.52% |
| 2Q24 | Risk-based | 11.35% | 11.35% | 13.00% | 9.47% | 12.81% | 12.81% | 14.59% | 9.45% |
| 1Q24 | Risk-based | 11.20% | 11.20% | 12.85% | 9.41% | 12.26% | 12.26% | 13.99% | 9.15% |
| 4Q23 | Risk-based | 11.22% | 11.22% | 12.74% | 9.44% | 12.18% | 12.18% | 13.85% | 9.22% |
| 3Q23 | Risk-based | 10.82% | 10.82% | 12.32% | 9.05% | 11.81% | 11.81% | 13.54% | 9.05% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Regions Bank (this bank) | Risk-based | 11.58% | 11.58% | 13.22% | 9.50% | |
| HSBC Bank USA, N.A. | $173.10B | Risk-based | 15.90% | 17.39% | 19.29% | 10.22% |
| The Northern Trust Company | $178.57B | Risk-based | 11.83% | 11.83% | 13.90% | 6.84% |
| Ally Bank | $188.18B | Risk-based | 12.30% | 12.30% | 13.57% | 9.60% |
| KeyBank N.A. | $188.56B | Risk-based | 12.27% | 12.27% | 14.05% | 9.92% |
| Pinnacle Bank | $128.79B | Risk-based | 10.73% | 10.73% | 11.83% | 8.97% |
| UBS Bank USA, N.A. | $124.44B | Risk-based | 26.74% | 26.74% | 27.05% | 8.08% |
| Synchrony Bank | $115.22B | Risk-based | 14.35% | 14.35% | 16.46% | 12.56% |
| USAA Federal Savings Bank | $106.19B | Risk-based | 16.89% | 17.37% | 18.65% | 9.29% |
| American Express National Bank | $213.95B | Risk-based | 10.86% | 10.86% | 12.99% | 8.84% |
| Peer 25th percentile | 11.83% | 11.83% | 13.57% | 8.84% | ||
| Peer median | 12.30% | 12.30% | 14.05% | 9.29% | ||
| Peer 75th percentile | 15.90% | 17.37% | 18.65% | 9.92% | ||
| This bank's percentile | 22 | 22 | 22 | 56 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/233031/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.