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.
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.
Regions Bank's 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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
71st percentile nationally
1.43%
Return on Equity (ROE)
12.90%
Efficiency Ratio
55.16%
What the numbers say about Regions Bank
Regions Bank is an FDIC-insured institution (Certificate #12368) headquartered in Birmingham, Alabama, established in 1928. It holds $157.4B in total assets - 27th of 4,313 FDIC-insured banks, $132.0B in customer deposits, and $94.6B in net loans. Capital-wise, the Tier 1 ratio sits at 11.72%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 4.88%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (80 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Regions Bank sits in the top decile of all FDIC-insured institutions by asset size (27th of 4,313), and within Alabama it ranks 1st of 94 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is ServisFirst Bank, at $17.7B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$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% |
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.
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% |
Frequently asked questions
What is Regions Bank's health grade?▼
Regions Bank receives a health grade of A (80/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Regions Bank?▼
Regions Bank holds $157.4B in total assets and $132.0B in deposits, ranking 27th of 4,313 FDIC-insured banks by asset size. It is headquartered in Birmingham, Alabama.
Is my money safe at Regions Bank?▼
Yes, deposits at Regions Bank (Certificate #12368) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Regions Bank's Tier 1 Capital Ratio?▼
Regions Bank has a Tier 1 Capital Ratio of 11.72%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Regions Bank?▼
Regions Bank has a Texas Ratio of 4.88%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Regions Bank?▼
Regions Bank has an Efficiency Ratio of 55.16%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Regions Bank's profile as a depositor or analyst.
- Regions Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Regions Bank against other Alabama banks before moving funds. Alabama banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.