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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Alabama, the state note

Regions Bank

Birmingham, Alabama · $159.79B in assets · beside the 11 other the South Central states banks over $10B (the state alone holds too few in the band to rank)

The filing

75.7%
Loans / deposits
1st of 12
10.9%
CRE / loans
1st of 12
64.6%
CRE / capital
1st of 12

Regions Bank is the largest of the 12 the South Central states banks nearest its size over $10B, with $159.79B in assets at 30 June 2026. Loans are 75.7% of deposits, the lowest in the cohort against a median of 87.7%, and equity is 11.2% of assets, 9th of 12. Loans grew +2.6% in the year, 11th of 12, and deposits fell 0.2%; the cohort's median loan growth is +5.2%.

Noncurrent loans are 0.93% of the book, 8th of 12 against a median of 0.92%; 0.42% is 30 to 89 days past due, and the allowance covers them 1.6 times. Net charge-offs are 0.46% of loans, 11th of 12. Commercial real estate is 10.9% of loans, the lowest in the cohort against a median of 36.7%, and 65% of capital, below the 300% screen, with construction at 17% against the 100% screen.

Return on assets is 1.45%, 5th of 12 against a median of 1.39%, on an efficiency ratio of 56.2%, 8th of 12. Five years ago it was 1.94%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Commercial real estate, share of loansSouth Central states banks over $10B · 30 June 2026 · lower is stronger, listed first
median 36.7% RB Regions Bank 10.9% FH First Horizon Bank 20.9% HW Hancock Whitney Bank 24.2% AB Arvest Bank 29.3% PB Pinnacle Bank 30.8% TB Trustmark Bank 35.5% F Firstbank 37.8% RB Renasant Bank 41.8% SB Servisfirst Bank 46.1% SB Simmons Bank 46.3% CB Centennial Bank 47.6% BO Bank Ozk 53.1%
Loans, year over yearSouth Central states banks over $10B · 30 June 2026 · no better direction, largest first
median +5.2% PB Pinnacle Bank +137.8% F Firstbank +30.4% CB Centennial Bank +12.9% SB Servisfirst Bank +9.3% AB Arvest Bank +7.0% SB Simmons Bank +5.6% HW Hancock Whitney Bank +4.9% TB Trustmark Bank +3.9% FH First Horizon Bank +3.4% RB Renasant Bank +2.7% RB Regions Bank +2.6% BO Bank Ozk -1.3%

SBA 7(a), FY2008 to FY2026

Regions Bank is the 11th largest 7(a) lender into Florida of 528, with $599M across 1,010 loans, 2.1% of everything approved in the state (Live Oak Banking Company leads with $1.78B). 219 of its 386 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Florida, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Dallas, TX$91M13th of 3141.7%+0.6 pts
Harris, TX$84M25th of 3141.0%-0.4 pts
Tarrant, TX$74M12th of 2812.0%+2.1 pts
Broward, FL$72M11th of 2092.4%-0.6 pts
Fulton, GA$66M14th of 2112.1%+0.3 pts
Gwinnett, GA$58M10th of 1692.5%-0.9 pts
Orange, FL$52M8th of 2012.5%-0.6 pts
Hillsborough, FL$49M13th of 1952.2%-1.1 pts
Miami-Dade, FL$49M25th of 2151.2%-0.0 pts
Travis, TX$45M12th of 2391.8%+0.8 pts
Lee, FL$41M4th of 1693.7%-2.3 pts
Davidson, TN$38M5th of 1644.2%+4.7 pts
Pinellas, FL$37M12th of 1712.2%-0.9 pts
373 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Wholesale trade274$324M14.1%1.26%16th of 1,651
Manufacturing326$316M13.8%0.80%21st of 2,246
Health care & social assistance501$307M13.4%0.65%28th of 2,172
Retail trade370$240M10.5%0.39%49th of 2,589
Professional & technical services297$201M8.8%0.62%31st of 1,955
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and Regions Bank
LO Live Oak Banking Company 6.1% $1.78B · 1,383 loans TB Truist Bank 4.5% $1.31B · 2,609 loans WF Wells Fargo Bank National Associa… 4.3% $1.25B · 5,346 loans TB TD Bank, National Association 3.5% $1.03B · 6,653 loans TH The Huntington National Bank 3.3% $954M · 2,284 loans NB Newtek Bank, National Association 2.6% $757M · 1,920 loans NS Newtek Small Business Finance, In… 2.5% $728M · 1,047 loans SB Southstate Bank, National Associa… 2.4% $700M · 1,040 loans RL Readycap Lending, LLC 2.1% $615M · 1,593 loans PB Pinnacle Bank 2.1% $609M · 729 loans RB Regions Bank 2.1% $599M · 1,010 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Regions BankRankCohort median
Total CRE against capital, the 300% screen65%1st of 12247%
Construction against capital, the 100% screen17%1st of 1265%
Construction and land development, share of loans2.8%2nd of 129.4%
Non-owner-occupied nonfarm nonresidential, share of loans4.2%1st of 1220.9%
Total CRE, the guidance definition, share of loans10.9%1st of 1236.7%
CRE growth over 36 months, the third prong+7.8%4th of 12+14.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Regions Bank$159.79B1.4%56.2%0.93%0.46%1.5%75.7%11.2%
Pinnacle Bank$128.79B0.9%63.1%0.48%0.22%1.1%86.8%11.5%
First Horizon Bank$84.12B1.4%56.0%0.83%0.19%1.1%95.7%11.2%
Bank Ozk$41.70B1.6%39.5%0.92%0.62%1.4%95.8%15.1%
Hancock Whitney Bank$36.33B1.0%55.3%0.57%0.17%1.3%82.4%12.0%
Arvest Bank$28.05B0.5%81.6%0.86%0.37%1.1%83.2%8.4%
Renasant Bank$26.99B1.4%55.7%0.96%0.05%1.5%87.7%15.4%
Simmons Bank$24.73B1.2%56.8%0.92%0.20%1.3%90.7%13.1%
Centennial Bank$24.55B2.0%42.2%0.55%0.07%1.9%87.1%17.2%
Trustmark Bank$19.19B1.3%63.0%1.14%0.12%1.0%87.6%11.6%
Servisfirst Bank$18.34B1.9%29.6%1.18%0.17%1.3%99.5%10.9%
Firstbank$16.76B1.5%52.8%1.40%0.08%1.5%90.9%11.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Regions BankCohort median
20212026Change20212026Change
Loans$85.25B$99.79B+17%$12.87B$19.95B+55%
Deposits$132.76B$131.78B-1%$19.62B$23.38B+19%
NPA / loans1.11%0.93%-0.18 pts0.61%0.92%+0.31 pts
Efficiency55.2%56.2%+1.0 pts60.0%55.8%-4.2 pts
ROA1.94%1.45%-0.49 pts1.53%1.39%-0.14 pts

This read was prepared for Regions Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Regions Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks over $10B
Institution www.regions.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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