Regions Bank
Birmingham, Alabama, Jefferson County
$160B in total assets, the 27th largest of 4,309 US banks and 1st of 93 headquartered in Alabama.
- FDIC certificate
- 12368
- Established
- 1928
- Owned by
- Regions Financial Corp
- Primary regulator
- FED
- Website
- http://www.regions.com
At a glance
Compared with 31 US banks with over $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $160B | 16% | $255B | |
| Loans | $99.8B | 32% | $149B | |
| Deposits | $132B | 16% | $225B | |
| Return on assets | 1.42% | 81% | 1.20% | |
| Net interest margin | 3.72% | 74% | 3.14% | |
| Efficiency ratio | 55.9% | 58% | 54.8% | |
| Equity to assets | 11.23% | 64% | 9.69% | |
| Loans to deposits | 76% | 55% | 73% |
Growth
Total assets grew 0.6% a year over the last 5 years and 2.5% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2021 | EnerBank USA Salt Lake City, UT | $3.1B |
| Feb 2009 | FirstBank Financial Services Mcdonough, GA | $317M |
| Aug 2008 | Integrity Bank Alpharetta, GA | $1.1B |
| Nov 2006 | AmSouth Bank Birmingham, AL | $54.2B |
| Sep 2005 | Regions Morgan Keegan Trust, F.S.B. Birmingham, AL, an affiliate under the same holding company | $12M |
| Jun 2005 | Union Planters Bank, National Association Memphis, TN, an affiliate under the same holding company | $34.7B |
| Jul 2002 | Brookhollow National Bank Dallas, TX | $135M |
| May 2002 | Independence Bank, National Association Harris County, TX | $109M |
| Apr 2002 | First Bank of Texas Tomball, TX | $167M |
| Mar 2002 | Park Meridian Bank Charlotte, NC | $286M |
| Nov 2000 | Texas Heritage Bank Hutto, TX | $113M |
| Oct 2000 | Bank at Ormond-By-The-Sea Volusia County, FL | $106M |
| Sep 2000 | Security First National Bank Alexandria, LA | $253M |
| Jun 2000 | Minden Bank & Trust Company Minden, LA | $325M |
| May 2000 | Bank of Huntland Huntland, TN | $25M |
| May 2000 | Lincoln County Bank Fayetteville, TN | $146M |
| Nov 1999 | Jacobs Bank Scottsboro, AL | $173M |
| Nov 1999 | Meigs County Bank Decatur, TN | $122M |
| Oct 1999 | St. James Bank & Trust Company Lutcher, LA | $163M |
| Oct 1999 | Regions Bank, National Association Bradenton, FL | $217M |
| Sep 1999 | The Arkansas Bank Jonesboro, AR | $164M |
| Sep 1999 | The Planters Bank Osceola, AR | $58M |
| Sep 1999 | The Arkansas Bank National Association Batesville, AR | $52M |
| Sep 1999 | The Arkansas Bank Walnut Ridge, AR | $64M |
| Jul 1999 | The Village Bank of Florida Tampa, FL | $208M |
| Jul 1999 | The St. Mary Bank and Trust Company Franklin, LA | $99M |
| Jun 1999 | The Bank of Newnan Newnan, GA | $96M |
| Jun 1999 | Fayette County Bank Peachtree City, GA | $120M |
| Apr 1999 | Etowah Bank Canton, GA | $417M |
| Mar 1999 | Greenville National Bank Greenville, SC | $149M |
| Mar 1999 | Valdosta Bank and Trust Valdosta, GA | $76M |
| Dec 1998 | First Bank of Arkansas Jonesboro, AR | $436M |
| Nov 1998 | The First National Bank of Nashville Nashville, AR | $78M |
| Nov 1998 | First National Bank Searcy, AR | $279M |
| Nov 1998 | Springhill Bank & Trust Company Springhill, LA | $64M |
| Nov 1998 | First Commercial Bank, National Association Little Rock, AR | $2.0B |
| Oct 1998 | Citizens First Bank Arkadelphia, AR | $52M |
| Oct 1998 | Citizens First Bank Fordyce, AR | $45M |
| Oct 1998 | Arkansas Bank and Trust Company Hot Springs, AR | $446M |
| Oct 1998 | Benton State Bank Benton, AR | $226M |
| Oct 1998 | First National Bank of Russellville Russellville, AR | $257M |
| Oct 1998 | The First National Bank of Conway Conway, AR | $367M |
| Oct 1998 | Clinton State Bank Clinton, AR | $70M |
| Oct 1998 | Morrilton Security Bank, National Association Morrilton, AR | $82M |
| Sep 1998 | The Security Bank Harrison, AR | $119M |
| Sep 1998 | First Commercial Bank, Rogers Rogers, AR | $219M |
| Sep 1998 | Arkansas State Bank Clarksville, AR | $156M |
| Sep 1998 | (unknown, CERT 33377) , AL | $12M |
| Sep 1998 | Kilgore First National Bank Kilgore, TX | $167M |
| Sep 1998 | Longview National Bank Longview, TX | $155M |
| Sep 1998 | The Stone Fort National Bank of Nacogdoches Nacogdoches, TX | $158M |
| Sep 1998 | The First National Bank of Palestine Palestine, TX | $93M |
| Sep 1998 | Lufkin National Bank Lufkin, TX | $142M |
| Sep 1998 | Tyler Bank and Trust, National Association Tyler, TX | $295M |
| Aug 1998 | State First National Bank Texarkana, AR | $413M |
| Aug 1998 | State First National Bank Texarkana, TX | $190M |
| Aug 1998 | Citizens First Bank El Dorado, AR | $117M |
| Aug 1998 | First Commercial Bank, National Association of Memphis Memphis, TN | $654M |
| Jul 1998 | Palmetto Federal Savings Bank of South Carolina Aiken, SC | $668M |
| Jun 1998 | The New Iberia Bank New Iberia, LA | $353M |
| May 1998 | Regions Bank, National Association Anderson, SC | $170M |
| May 1998 | Regions Bank, National Association Spartanburg, SC | $123M |
| Apr 1998 | First State Bank and Trust Company in Cordele Cordele, GA | $92M |
| Apr 1998 | First State Bank & Trust Company Albany, GA | $431M |
| Apr 1998 | Regions Bank, FSB Griffin, GA | $97M |
| Mar 1998 | Allied Bank of Georgia Thomson, GA | $536M |
| Mar 1998 | Smyrna Bank & Trust Company Smyrna, GA | $152M |
| Mar 1998 | First Bank of Georgia East Point, GA | $198M |
| Feb 1998 | Bank of Morgan County Madison, GA | $44M |
| Feb 1998 | The Bank of Millen Millen, GA | $42M |
| Feb 1998 | Regions Bank Gainesville, GA | $3.5B |
| Dec 1997 | Regions Bank of Louisiana Baton Rouge, LA | $2.3B |
| Nov 1997 | Regions Bank, National Association Longwood, FL | $185M |
| Sep 1997 | Regions Bank of Florida Pensacola, FL | $914M |
| Aug 1997 | Regions Bank of Georgia Columbus, GA | $116M |
| Aug 1997 | Regions Bank of Tennessee Nashville, TN | $523M |
| Jan 1995 | Union Bank & Trust Company Montgomery, AL | $418M |
| Jul 1994 | The First Bank of Fayette Fayette, AL | $78M |
| May 1994 | Altus Federal Savings Bank Mobile, AL | $314M |
| Mar 1992 | Jefferson Federal Savings and Loan Association, F.A. Birmingham, AL | $437M |
| Sep 1990 | City Federal Savings and Loan Association Birmingham, AL | $442M |
| Aug 1990 | Baldwin County Federal Savings Bank Robertsdale, AL | $140M |
| Jun 1988 | First Alabama Bank of Covington County Andalusia, AL | $74M |
| Apr 1988 | The Choctaw Bank of Butler Butler, AL | $91M |
| Oct 1987 | The Albertville National Bank Prattville, AL | $63M |
| Apr 1987 | Enterprise Banking Company Enterprise, AL | $163M |
| Dec 1986 | First Citizens Bank of Alabama Oneonta, AL | $78M |
| Sep 1986 | Shelby State Bank Pelham, AL | $34M |
| Aug 1986 | First State Bank of Alabama Decatur, AL | $109M |
| May 1986 | First Alabama Bank of Tuscaloosa, N. A. Tuscaloosa, AL | $243M |
| Apr 1986 | First Alabama Bank of Dothan Dothan, AL | $136M |
| Feb 1986 | First Alabama Bank of Mobile, National Assoication Mobile, AL | $764M |
| Dec 1985 | First Alabama Bank of Athens, N. A. Athens, AL | $59M |
| Dec 1985 | First Alabama Bank of Lauderdale County Rogersville, AL | $34M |
| Nov 1985 | First Alabama Bank of Cullman Cullman, AL | $37M |
| Nov 1985 | First Alabama Bank of Selma, N. A. Selma, AL | $62M |
| Nov 1985 | First Alabama Bank of Troy, National Association Troy, AL | $44M |
| Oct 1985 | First Alabama Bank of Lee County, N.A. Opelika, AL | $18M |
| Oct 1985 | First Alabama Bank of Phenix City, N. A. Phenix City, AL | $39M |
| Sep 1985 | First Alabama Bank of Chilton County Thorsby, AL | $21M |
| Jun 1985 | First Alabama Bank of Sumter County Livingston, AL | $31M |
| Jun 1985 | First Alabama Bank of Baldwin County, N. A. Bay Minette, AL | $30M |
| Jun 1985 | First Alabama Bank of Conecuh County Evergreen, AL | $31M |
| Jun 1985 | First Alabama Bank of South Baldwin Foley, AL | $50M |
| Jun 1985 | First Alabama Bank of Anniston, National Association Anniston, AL | $131M |
| Jun 1985 | First Alabama Bank of Talladega County, N.A. Talladega, AL | $47M |
| Jun 1985 | First Alabama Bank of Gadsden, N. A. Gadsden, AL | $42M |
| May 1985 | First Alabama Bank of Walker County Cordova, AL | $40M |
| May 1985 | First Alabama Bank of Guntersville Guntersville, AL | $29M |
| May 1985 | First Alabama Bank of Hartselle Hartselle, AL | $32M |
| Mar 1985 | First Alabama Bank of Huntsville, N. A. Huntsville, AL | $342M |
| Mar 1985 | First Alabama Bank of Montgomery, N. A. Montgomery, AL | $673M |
Where they operate
1247 branches in 370 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Jefferson County, AL | $13.4B | 30.0% | 1 of 39 |
| Davidson County, TN | $6.2B | 9.3% | 3 of 35 |
| Miami-dade County, FL | $3.9B | 1.8% | 14 of 58 |
| Shelby County, TN | $3.9B | 10.7% | 2 of 33 |
| Pinellas County, FL | $3.3B | 4.4% | 5 of 33 |
| Mobile County, AL | $3.1B | 29.3% | 1 of 25 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 382 branches since 2016 (1,629 to 1,247, −23.4%). 104 opened, 0 acquired, 486 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 1,629 | |||
| 2016 | Opened 3 in 2 statesClosed 103 in 15 states | 3 | 103 | −100 | 1,529 |
| 2017 | Opened University CityClosed 59 in 13 states | 1 | 59 | −58 | 1,471 |
| 2018 | Opened 26 in 6 statesClosed 41 in 12 states | 26 | 41 | −15 | 1,456 |
| 2019 | Opened 27 in 6 statesClosed 53 in 11 states | 27 | 53 | −26 | 1,430 |
| 2020 | Opened 16 in 4 statesClosed 75 in 12 states | 16 | 75 | −59 | 1,371 |
| 2021 | Opened 19 in 7 statesClosed 87 in 13 states | 19 | 87 | −68 | 1,303 |
| 2022 | Opened 5 in 3 statesClosed 20 in 8 states | 5 | 20 | −15 | 1,288 |
| 2023 | Opened Atlanta and FranklinClosed 17 in 9 states | 2 | 17 | −15 | 1,273 |
| 2024 | Opened 5 in 4 statesClosed 22 in 10 states | 5 | 22 | −17 | 1,256 |
| 2025 | Closed 8 in 6 states | 0 | 8 | −8 | 1,248 |
| 2026 through Q2 | Closed Memphis | 0 | 1 | −1 | 1,247 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 28% | 18% | |
| 1-4 family residential | 25% | 18% | |
| Commercial real estate | 10% | 7% | |
| Consumer | 7% | 20% | |
| Multifamily | 4% | 3% | |
| Construction and land | 3% | 2% | |
| Other | 24% | 31% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 59% | 72% | |
| Noninterest-bearing | 31% | 15% | |
| Time deposits | 10% | 13% |
Brokered deposits are 1.2% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.90% | 0.86% |
| Net charge-offs, annualized | 0.47% | 0.35% |
| Reserves to loans | 1.49% | 1.39% |
| Leverage ratio | 9.50% | 9.39% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Alabama
Largest competitors in Jefferson County, AL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/regions