Total Assets
$157.4B
Total balance-sheet footings
FDIC Cert #12368 · Birmingham, Alabama · Est. 1928
Regions Bank - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $157.4B
- Total assets
- A
- Health grade · Excellent
- 1.43%
- Return on assets
- 11.7%
- Tier 1 capital
Data updated July 2026
The verdict
Regions Bank earns a PlainBankData health grade of A (80/100), with well-capitalized at 11.72% Tier 1, profitable at 1.43% ROA, efficient (55% cost ratio).
- #27
- largest of 4,313 FDIC banks by assets
- 99th
- percentile by asset size, nationally
- 11.72%
- Tier 1 ratio - above the 10% well-capitalized line
- 71st
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
FDIC Call Report plate
Cert 12368 · AL A · 80/100
GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MEGA · BOOK-FULL
- GRADE-A A (80/100)
- MID-PACK #1908/4307
- PHOTO-FINISH Ixonia Bank · WI
- TIER1-WELL 11.7% Tier 1
- TEXAS-CLEAN 4.9% Texas
- ROA-STRONG 1.43% ROA
- SIZE-MEGA ≥$100B assets
- BOOK-FULL 9/9 fields
Nearest health peer outside Alabama: Ixonia Bank, WI (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Regions Bank
Lowest and highest poles plus nearest scored peers outside Alabama, not a full FDIC corpus board reprint.
What Regions Bank's Call Report plate shows
Regions Bank (FDIC Cert #12368) carries a PlainBankData health grade of A at 80/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,908 of 4,307. Tier 1 capital prints at 11.72%, clearing the 10% well-capitalized line. The Texas Ratio is 4.88%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.43%. Balance-sheet scale is $157.4B, 27th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Ixonia Bank (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Regions Bank
7 FAILURE resolutions in Alabama since 2000 (7 since 2008)
Regions Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Regions Bank remains an active FDIC-insured reporter.
- ALABAMA TRUST BANK, NATIONAL ASSOCIATION SYLACAUGA, AL 2012 → SOUTHERN STATES BANK
- SUPERIOR BANK BIRMINGHAM, AL 2011 → SUPERIOR BANK, N.A.
- NEXITY BANK BIRMINGHAM, AL 2011 → ALOSTAR BANK OF COMMERCE
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Alabama banks.
How Regions Bank's 80/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (11.72%) 28/40
Return on Assets (ROA) (1.43%) 20/25
Texas Ratio (4.88%) 20/20
Efficiency Ratio (55.16%) 12/15
80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$132.0B
Customer-funded liabilities
Net Loans
$94.6B
Outstanding loan book
Net Income
$2.3B
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Regions Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Regions Bank's score of 80/100 falls in the highlighted band.
Regions Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
80 Top 44% higher than 56% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Regions Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Regions Bank's $157.4B falls in the highlighted band.
Safety ratios for Regions Bank
Tier 1 capital ratio
Well-capitalized 10%
11.72% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.72%
Texas Ratio
4.88%
Equity Capital
$18.1B
Earnings posture at Regions Bank
Return on Assets (ROA)
71st percentile nationally
1.43%
Return on Equity (ROE)
12.90%
Efficiency Ratio
55.16%
Income & expense at Regions Bank
$7.1B
Interest Income
$2.4B
Non-Interest Income
$4.2B
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Regions Bank reports a Texas Ratio of 4.88% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.88% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Alabama by total assets
National size peers: banks closest to Regions Bank by assets
Measured strictly by total assets rather than geography, Regions Bank's closest national peers include HSBC Bank USA, The Northern Trust Company, KeyBank, Ally Bank, spanning 4 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Alabama. Averaged across this asset-matched cohort, return on assets runs 1.34% (Regions Bank is above that at 1.43%), the efficiency ratio averages 48.52% (Regions Bank runs higher at 55.16%), and Tier 1 capital averages 15.99% (Regions Bank holds less at 11.72%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $157.4B in assets, Regions Bank sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Regions Bank (this bank) | AL | $157.4B | 1.43% | 55.16% | 11.72% |
| HSBC Bank USA, National Association | VA | $165.3B | 0.92% | 56.89% | 15.92% |
| The Northern Trust Company | IL | $176.4B | 1.02% | 70.92% | 12.07% |
| KeyBank National Association | OH | $181.7B | 1.17% | 55.67% | 12.75% |
| Ally Bank | UT | $184.6B | 0.91% | 49.98% | 12.50% |
| UBS Bank USA | UT | $119.3B | 1.13% | 22.83% | 28.98% |
| Synchrony Bank | UT | $112.1B | 2.89% | 34.85% | 13.70% |
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($157.4B here), outside Alabama so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Regions Bank (FDIC Cert #12368) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Regions Bank Call Report profile · FDIC Failed Bank List · Alabama FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Alabama
All Alabama banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| ServisFirst BankBirmingham | $17.7B | A | 1.58% |
| River Bank & TrustPrattville | $3.8B | A | 1.18% |
| Bank IndependentSheffield | $3.0B | B | 1.01% |
| Bryant BankTuscaloosa | $2.9B | A | 1.69% |
| CB&S Bank, Inc.Russellville | $2.9B | C | 0.85% |
| Oakworth Capital BankBirmingham | $2.0B | B | 1.17% |
| Troy Bank & Trust CompanyTroy | $1.6B | A | 1.34% |
| SouthPoint BankBirmingham | $1.6B | D | -0.54% |