# REGIONS BANK
BIRMINGHAM, AL · FDIC certificate 12368 · asset band >$100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $159.79B | |
| Deposits | $131.78B | |
| Loans and leases | $99.79B | |
| Total equity | $18.01B | |
| Loans / deposits | 74.60% (p56 of band) | 72.53% |
| Liquid assets / assets | 27.63% (p34 of band) | |
| Uninsured deposits / deposits | 39.23% (p44 of band) | 42.66% |
| Brokered deposits | 0.99% | |
| Wholesale funding | 4.69% (p9 of band) | |
| FHLB advances / assets | 1.75% | |
| Tier 1 leverage | 9.50% (p56 of band) | 9.44% |
| Unrealized securities loss / equity | -7.91% (p66 of band) | -9.97% |
| AOCI / equity | -2.14% (p3 of band) | |
| ROA (annualized) | 1.46% (p81 of band) | 1.18% |
| Net interest margin | 3.72% (p75 of band) | 3.14% |
| Efficiency ratio | 55.87% (p59 of band) | |
| Noncurrent loans | 0.93% (p59 of band) | 0.85% |
| Net charge-offs (annualized) | 0.29% (p72 of band) | |
| Reserve coverage of noncurrent | 160.63% | |
| Real estate % of loans | 41% | |
| Construction % of loans | 15.59% (p81 of band) | |
| Auto loans | $87.0M (0.09% of loans; DQ 1.15%, NCO 0.00%) | |
| Loans to nondepository financials | $12.49B (69% of equity) (p72 of band) | |
| Deposits YoY | -0.2% | |
| Employees | 19895 | |

## Flags firing in the latest filing

- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | deposits shrinking |  |
| 2013-06 | 1 |  | deposits shrinking |
| 2013-09 | 2 | uninsured deposits >50% |  |
| 2013-12 | 1 |  | uninsured deposits >50% |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | uninsured deposits leaving |  |
| 2014-12 | 2 | capital falling | uninsured deposits leaving |
| 2015-03 | 2 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent, capital falling |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 3 | loans-to-lenders >50% equity, deposits shrinking |  |
| 2023-03 | 3 | assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 3 | securities losses >30% of equity |  |
| 2023-12 | 1 |  | deposits shrinking, securities losses >30% of equity |
| 2024-03 | 0 |  | loans-to-lenders >50% equity |
| 2024-06 | 1 | loans-to-lenders >50% equity |  |
| 2024-09 | 0 |  | loans-to-lenders >50% equity |
| 2024-12 | 1 | loans-to-lenders >50% equity |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [Lawsuit claims Regions Bank lost $66 million in land deal tied to Nebius data center site - WBRC](https://news.google.com/rss/articles/CBMitgFBVV95cUxQMHJESXdOZ3lPeXpxMDc2dU81Q1k5YktpZkUycGtLcEVoMWxIVTQ2eTIwNE9RNzBmeVQxLUlXNHRJa2FnOEd1RWZsNDkwVlBQZHExdXZGdUxCQU9xa0RqaWs2UUs1Q0U4SGNxQmxFNi1KTC1rTWpYbk93Ql9IX0lGS0xhODNEb0VDaEJFYnZ6cEdVTHlUazZlMG8tV0x0UzRWSDU0OG1lYnpEekFLbGFRTmxhYkV3QQ?oc=5) · WBRC
- 2026-09-07 [Alabama regulators approve new Regions facility in key market - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQakg0Y1VocnEtbkZsVnptemRmYWx6ZVZ0aUI2cDRheDRwSURsYUl6WHNOX3lyeG4yUXJ6QUM4a0k5MF84amxLejUxZzgyUWZtYWVJeVRaOXBhdHFyVDl6QW1FZ01LUlhwMGV3UWR2LUxuUzFhZkNkZUJEcVlpTkhuNUZEc01QVm1zdVVxUWJ0U2NabEYwLV9yTUxBNnBBTndp?oc=5) · The Business Journals
- 2026-08-27 [Could Regions Bank be ripe for acquisition? Financial network identifies 2 potential suitors - AL.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxOa204dy1mMFVtWU1oS3RkMEJuYVhXX0I3SFA1Z1JSVi1CNUV6cUVoR0xZLXJyWWpQQ2NKajRobHJoZkF0bmhTSlduZzF6ZWhwQmU4MlZaeXhKamlVVlNGcTMzMnNZanBYV3N6UXFLSzhQVzZrX2F0STZKUDlFVE4xaE9YM3hqWEt4Zy1idjE3cEFPb1lsVkxiV0xNLVpUbEc4aHNCSVRjNVVpYllfQUo5WUFUUGdjaUdCQ2NHWVZoY1hsNEs4czBya1FIZTM?oc=5) · AL.com
- 2026-01-12 [Regions Financial Announces David Turner to Retire, Anil Chadha to Serve as Chief Financial Officer - Regions Bank](https://news.google.com/rss/articles/CBMiiwJBVV95cUxQOTZmOWRmZFJoNjNadFBWNVNGWmFRRTMzbFJ6MkE3VkRGdjRYQllsYUxycVZNam5zUXJwcGJwZk1wbHpHdl9IOERMZ1hHSkZLc3pKSTBMNGtfV3Q5WHVxWFZEeUlUTXZWOXdvbmpjeUF4bVNjRS1wV1QydjcwMW5SOFBJTmlkNjV0VnVocG04VGZ3YUF4OEEyUnVXRno0QW54UTFMc0d2UE5PUGlHTHl1N0dPSzFSZGhJOEFad3pzNENWYWdNVXd2cGdYUUdKeUhMMW1xOURWaEJiMGFqSDZxYTB5dEhuU2pZQ3B5M3RoVW1PeWtCandrNmx3OENwNWJRUlVmMmw5dlZmcGs?oc=5) · Regions Bank
- 2026-08-28 [Could Regions Bank be ripe for acquisition? Financial network identifies 2 potential suitors - Yahoo Finance](https://news.google.com/rss/articles/CBMiogFBVV95cUxPcmtWTm9zOXA2NU9JMDJDcjFUcE5tcTI3VVA3bEdmaHllYnRXX0xCa1ptcGpZMWVxaHVrcW5iaG84QVNkNnhwVkRNRjM0OXlYQ1VXclFXUnVsVlJETWFJaEJaR2ZQd2VDQjFFM0hoR2JIRzVMZ241VjNCOTN4NjYwTnNMN2w0NlZrVEVsQm1FZ0JvdUdSeUlOeWQxaVkzRFdUSkE?oc=5) · Yahoo Finance
- 2026-08-12 [Regions Bank names next chief administrative officer - Banking Dive](https://news.google.com/rss/articles/CBMixwFBVV95cUxOVDkwX1BGcmNLWnhGZW5NbkdJMjFMQ2N0V0FHMldVdHJCU3BmaWhrMUxycTRwU1Bwa3JEYWhaZjZZN1VBMy1halI0YUxEbmNQZzhzZUdOaDlKRDlZZUlrUm1aQ2dHeU53VnpkMU50N2J1clp0NXNMRmZHZGtfOVA5UjhoeWJLU1BFbjBBWjZpWmFlUmVMV3VEUjl3UnVxZS1XSkJaM0lteUx6UEJaVk5nXzlGckpkeWktSGMza1N3ZEdEazB3cEdj?oc=5) · Banking Dive
- 2026-07-03 [Regions Bank announces acquisition of Frazer Lanier Company - Alabama Daily News](https://news.google.com/rss/articles/CBMijAFBVV95cUxQNldxb3VlemhzZWZCaTNFMUFSR3JHSjM1a0dfMllDMTRaZWlGblZvMndnQUFmVjY1ZVJqOUtaVU9PdkJxRG5faDlPbDkzYkZIYXJlS3ppdF9HWXZqQ2tGTlVGR2k0WFpCSFBJNHBReTUzTlM4N0RXcWZWdWZnc2xlLTdmS1BzX3Zkb2pRbg?oc=5) · Alabama Daily News
- 2026-07-02 [Regions Financial acquires Montgomery-based investment banking firm Frazer Lanier - abc3340.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxNejhWbzFhU0JiUTI4Tkx6UE5MeG5FbDhsSHZXVlJTd0I1TmNORUxfSFBmdV9QQm5vak84Ny1qeHFqczY4djhPdGVlRmc2bW50T2YzbGtTYUl0TE1hX1M5Yzd6V2MtSnQ3MHB5ZTdRZW5saF9qU29RWEFRd0V0TzRBZkZPSDV6cXNKejJya3ZaQzhBT09tUm1QRTdLNzNHU1l2R0w1MXdfMFFQSl9Edk12d3BZSG5EaVgyaDJrdXFObGdWdHo3dXJTWEl3?oc=5) · abc3340.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12368 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/16.json (key "12368", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide