BlastPoint's Banking Scorecard

Regions Bank

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

Birmingham, AL

1,256 branches across FL · TN · AL · GA · MS · TX · LA · AR · MO · IL · IN · SC · KY · NC · IA · UT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 2 in AL.
Deposits -0.2% year over year ($131.8B on the books).
Delinquency rate 0.94%.
Return on assets 1.46%.
Efficiency ratio 55.87% vs a 53.67% peer average.
Loan-to-deposit ratio 74.60% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $10B-$250B leaderboard (AL) →

Regions Bank has 3 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 48.6% in tier
+ ROA 0.07% above tier average
+ Delinquency Rate 0.07% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 14.3% in tier
- Net Interest Margin 0.20% below tier average
- Efficiency Ratio 2.20% above tier average

Get updates when Regions Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$159.8B +1.3% YoY +0.2% QoQ	+$116.2B	$43.6B -13.8% YoY	$2.5B +1.5% YoY	$6.3B +7.7% YoY	Top 5.8% in tier
Total Loans ?	$98.3B +2.7% YoY +1.5% QoQ	+$70.3B	$28.0B -8.6% YoY	$1.6B +2.8% YoY	$3.2B +9.4% YoY	Top 4.3% in tier
Total Deposits ?	$131.8B -0.2% YoY -0.7% QoQ	+$96.4B	$35.4B -14.0% YoY	$2.1B +0.3% YoY	$4.9B +7.3% YoY	Top 5.8% in tier
Return on Assets ?	1.46% -1.3% YoY +0.8% QoQ	+0.07%	1.39% +25.9% YoY	0.89% -13.0% YoY	1.30% +12.1% YoY	69%
Net Interest Margin ?	3.72% +1.2% YoY +0.9% QoQ	-0.20%	3.92% +8.9% YoY	4.02% +3.4% YoY	3.95% +4.9% YoY	56%
Efficiency Ratio ?	55.87% +3.0% YoY +0.6% QoQ	+2.20%	53.67% -1.9% YoY	69.53% +4.0% YoY	70.05% +2.5% YoY	45%
Delinquency Rate ?	0.94% -10.4% YoY -4.6% QoQ	-0.07%	1.01% -2.8% YoY	1.13% +25.5% YoY	0.98% +16.3% YoY	29%
Loan-to-Deposit Ratio ?	74.60% +2.9% YoY +2.3% QoQ	-8.01%	82.61% +3.1% YoY	67.62% +0.9% YoY	79.03% +2.3% YoY	78%
Non-Interest-Bearing Deposit Share ?	30.86% +1.1% YoY +1.9% QoQ	+10.28%	20.58% +4.9% YoY	24.04% +0.1% YoY	21.98% -0.6% YoY	82%
Nonperforming Asset Ratio ?	0.59% -8.5% YoY -3.4% QoQ	-0.14%	0.73% +5.8% YoY	0.74% +25.2% YoY	0.69% +15.8% YoY	40%
Tier 1 Capital Ratio ?	11.58% +1.0% YoY -1.0% QoQ	-3.77%	15.35% -0.4% YoY	15.01% +1.3% YoY	17.09% +0.8% YoY	Bottom 11.5% in tier
Non-Interest Income / Assets ?	0.76% +1.0% YoY +101.7% QoQ	+0.27%	0.50% +10.5% YoY	0.35% -14.4% YoY	0.66% +5.2% YoY	Top 12.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Noninterest-Bearing	30.9% +0.3pp YoY +0.6pp QoQ	+9.8pp	21.0%	24.0%	22.2%	81%
Brokered Deposits	1.2% -0.9pp YoY 0.0pp QoQ	-8.0pp	9.2%	5.5%	8.5%	16%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
C&I	27.9% -0.8pp YoY +1.1pp QoQ	+10.8pp	17.2%	16.9%	12.5%	88%
CRE	16.5% +0.7pp YoY +0.2pp QoQ	-25.5pp	42.0%	43.5%	41.4%	9%
1-4 Family	25.4% -1.2pp YoY -0.5pp QoQ	+2.3pp	23.1%	30.6%	31.3%	67%
Consumer	7.3% -0.5pp YoY -0.2pp QoQ	-5.6pp	12.9%	5.7%	5.0%	74%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
CET1 Ratio	11.6% +0.1pp YoY -0.1pp QoQ	-3.7pp	15.3%	15.1%	19.7%	12%
Leverage Ratio	9.5% +0.1pp YoY -0.1pp QoQ	-0.9pp	10.4%	13.2%	12.6%	30%
Total Capital Ratio	13.2% +0.1pp YoY -0.1pp QoQ	-3.3pp	16.5%	16.2%	20.8%	22%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Full-Time Employees	19,895 +362 (+1.9%) YoY +96 (+0.5%) QoQ	+16,637	3,258	304	482	98%
Assets per Employee ($)	$8.0M -0.6% YoY -0.3% QoQ	-$19.0M	$27.0M	$6.9M	$8.8M	11%
Branch Count	1,256 -5 (-0.4%) YoY 0 QoQ	+1,118	137	20	18	99%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Past Due 90+ Days	0.3% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.4%	0.2%	0.4%	78%
Nonaccrual	0.7% -0.1pp YoY 0.0pp QoQ	0.0pp	0.7%	1.2%	1.0%	54%
Allowance Coverage	1.61x +0.3% YoY +0.7% QoQ	-1.20x	2.81x	7.50x	20.23x	42%
Net Charge-off Rate (YTD)	0.5% 0.0pp YoY -0.1pp QoQ	0.0pp	0.4%	0.3%	0.2%	82%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
ROE	12.9% -0.8pp YoY +0.2pp QoQ	+0.2pp	12.6%	10.0%	11.6%	67%
Cost of Funds (YTD)	1.3% -0.2pp YoY 0.0pp QoQ	-0.7pp	2.0%	1.7%	1.7%	18%
Net Income ($, YTD)	$1.2B -0.3% YoY — QoQ	+$862.2M	$296.8M	$17.2M	$40.4M	95%

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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

#18 of 35 • Top 48.6% 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: 0.76%

(Tier: 0.50%, National: 0.66%)

better than tier avg

Return on Assets: 1.46%

(Tier: 1.39%, National: 1.30%)

better than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Capital Thin

risk

#6 of 35 • Bottom 14.3% 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: 11.58%

(Tier: 15.35%, National: 17.09%)

worse than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable | QoQ rank declining

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 139 peers in $10B-$250B

Top Strengths (6 metrics)

Total Loans

size

Value: $98.30B

Peer Median: $27.97B

#7 of 139 Top 4.3% in $10B-$250B

Total Assets

size

Value: $159.79B

Peer Median: $43.60B

#9 of 139 Top 5.8% in $10B-$250B

Total Deposits

size

Value: $131.78B

Peer Median: $35.42B

#9 of 139 Top 5.8% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.76%

Peer Median: 0.50%

#19 of 139 Top 12.9% in $10B-$250B

Non-Interest-Bearing Deposit Share

funding

Value: 30.86%

Peer Median: 20.58%

#26 of 139 Top 18.0% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 74.60%

Peer Median: 82.61%

#32 of 139 Top 22.3% in $10B-$250B

Top Weaknesses (1 metrics)

124

Tier 1 Capital Ratio

capital

Value: 11.58%

Peer Median: 15.35%

#124 of 139 Bottom 11.5% in $10B-$250B