BlastPoint's Banking Scorecard

Regions Bank

$10B-$250B Specialty: Commercial AL FDIC cert 12368

Birmingham, AL

1,258 branches across FL · TN · AL · GA · MS · TX · LA · AR · MO · IL · IN · SC · KY · NC · IA · UT

137 banks in the $10B-$250B peer group nationally 2 in AL

Regions Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 34.3% in tier
+ ROA 0.17% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 8.6% in tier
- Net Interest Margin 0.09% below tier average
- Efficiency Ratio 1.51% above tier average

Get updates when Regions Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$159.4B +0.6% YoY +1.3% QoQ	+$112.5B	$47.0B -1.9% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	Top 7.3% in tier
Total Loans ?	$96.9B +2.5% YoY +2.4% QoQ	+$67.5B	$29.4B -0.4% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	Top 5.1% in tier
Total Deposits ?	$132.8B -0.2% YoY +0.6% QoQ	+$94.3B	$38.4B -1.6% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	Top 7.3% in tier
Return on Assets ?	1.45% +0.8% YoY +1.3% QoQ	+0.17%	1.28% +18.7% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	73%
Net Interest Margin ?	3.69% +2.5% YoY -0.8% QoQ	-0.09%	3.77% +5.8% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	58%
Efficiency Ratio ?	55.52% +1.4% YoY +0.7% QoQ	+1.51%	54.01% -3.7% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	49%
Delinquency Rate ?	0.99% -15.2% YoY -2.4% QoQ	-0.03%	1.02% -3.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	29%
Loan-to-Deposit Ratio ?	72.95% +2.7% YoY +1.8% QoQ	-7.83%	80.79% +1.9% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	77%
Non-Interest-Bearing Deposit Share ?	30.28% -0.6% YoY +0.8% QoQ	+10.24%	20.04% +0.2% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	82%
Nonperforming Asset Ratio ?	0.61% -12.9% YoY -1.0% QoQ	-0.11%	0.72% +4.2% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	37%
Tier 1 Capital Ratio ?	11.70% -0.6% YoY -0.2% QoQ	-3.82%	15.51% -0.4% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.38% +1.2% YoY -75.6% QoQ	+0.16%	0.22% +0.3% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	Top 10.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#13 of 35 • Top 34.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.38%

(Tier: 0.22%, National: 0.32%)

better than tier avg

Return on Assets: 1.45%

(Tier: 1.28%, National: 1.23%)

better than tier avg

35 of 35 Large banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Capital Thin

risk

#4 of 35 • Bottom 8.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.70%

(Tier: 15.51%, National: 17.06%)

worse than tier avg

35 of 35 Large banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 137 peers in $10B-$250B

Top Strengths (6 metrics)

Total Loans

size

Value: $96.86B

Peer Median: $29.36B

#8 of 137 Top 5.1% in $10B-$250B

Total Assets

size

Value: $159.43B

Peer Median: $46.96B

#11 of 137 Top 7.3% in $10B-$250B

Total Deposits

size

Value: $132.76B

Peer Median: $38.42B

#11 of 137 Top 7.3% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.38%

Peer Median: 0.22%

#16 of 137 Top 10.9% in $10B-$250B

Non-Interest-Bearing Deposit Share

funding

Value: 30.28%

Peer Median: 20.04%

#26 of 137 Top 18.2% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 72.95%

Peer Median: 80.79%

#33 of 137 Top 23.4% in $10B-$250B

Top Weaknesses (1 metrics)

116

Tier 1 Capital Ratio

capital

Value: 11.70%

Peer Median: 15.51%

#116 of 137 Bottom 16.1% in $10B-$250B