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Regions Bank
Birmingham, AL·FDIC Cert #12368·Charter: STATE·Est. 19280101.0·HC: REGIONS FINANCIAL CORP
Total Assets
$158.2B
Q4 2025
Return on Assets
1.43%
-0.06%Peer avg: 1.18%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
55.16%
Peer avg: 53.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.43%-0.06
ROE
12.90%-0.64
Efficiency
55.16%+0.77
Equity/Assets
0.00%+0.00
NPL Ratio
1.01%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
71.65%-0.68
Charge-offs
0.53%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.3 | 1.3 | 1.3 | 1.4 | 1.5 | 1.5 | 1.4 |
| ROE | 10.2 | 11.9 | 12.0 | 12.5 | 13.4 | 13.7 | 13.5 | 12.9 |
| Efficiency | 59.7 | 56.2 | 55.5 | 55.0 | 54.7 | 54.3 | 54.4 | 55.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.2 | 1.1 | 1.1 | 1.2 | 1.2 | 1.1 | 1.0 | 1.0 |
| Charge-offs | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 |
| Loan/Deposit | 72.9 | 74.8 | 74.4 | 73.5 | 71.0 | 72.5 | 72.3 | 71.6 |
Balance Sheet
Total Assets$158.2B
Total Deposits$132.0B
Total Loans$94.6B
Total Equity$18.1B
Profitability
ROA1.43%
ROE12.90%
Efficiency Ratio55.16%
Net Income$2.3B
Risk & Asset Quality
NPL Ratio1.01%
Charge-off Rate0.53%
Loan/Deposit71.65%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans