Regions Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 3.7% to $453.0M. Within Alabama, Regions Bank is 54th of 93 on net interest margin, 3.71% as of Q2 2026, below the middle of the field. Regions Bank reported 3.71% on net interest margin for Q2 2026, 0.28 points above the 3.43% median for banks in the $100B-250B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.00% |
| Yield on loans | 5.54% |
| Yield on securities | 3.65% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.31% |
| Cost of interest-bearing deposits | 1.68% |
| Cost of interest-bearing liabilities | 1.86% |
| Cost of borrowings | 4.47% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.33B |
| Total interest expense | $453.0M |
| Interest expense on deposits | $385.0M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.13% | 1.31% | 3.86% | 5.98% | 2.38% |
| Q4 2023 | 5.15% | 1.47% | 3.73% | 5.99% | 2.48% |
| Q1 2024 | 5.13% | 1.54% | 3.63% | 5.89% | 2.74% |
| Q2 2024 | 5.18% | 1.63% | 3.60% | 5.95% | 2.77% |
| Q3 2024 | 5.31% | 1.69% | 3.66% | 6.08% | 2.99% |
| Q4 2024 | 5.23% | 1.61% | 3.67% | 5.93% | 3.21% |
| Q1 2025 | 5.02% | 1.48% | 3.56% | 5.64% | 3.28% |
| Q2 2025 | 5.15% | 1.48% | 3.71% | 5.79% | 3.48% |
| Q3 2025 | 5.16% | 1.53% | 3.67% | 5.79% | 3.51% |
| Q4 2025 | 5.14% | 1.40% | 3.78% | 5.74% | 3.69% |
| Q1 2026 | 4.93% | 1.28% | 3.67% | 5.50% | 3.54% |
| Q2 2026 | 5.00% | 1.31% | 3.71% | 5.54% | 3.65% |
Regions Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Regions Bank, freeSource: Call Report Schedules RI and RC-K, 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)