BlastPoint's Banking Scorecard
Regions Bank
Large
Specialty: Commercial
AL
FDIC cert 12368
Birmingham, AL
69
banks in Large tier nationally
1 in AL
View Large leaderboard (AL) →
Regions Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 50% in Large
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 18% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$158.2B
+1.5% YoY
-0.2% QoQ
|
+$83.4B |
$74.9B
-4.4% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$94.6B
-1.2% YoY
-0.6% QoQ
|
+$48.1B |
$46.4B
-2.1% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$132.0B
+1.3% YoY
+0.4% QoQ
|
+$71.5B |
$60.5B
-4.5% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
1.43%
+7.1% YoY
-3.9% QoQ
|
+0.23% |
1.19%
+17.8% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
3.71%
+0.2% YoY
+0.8% QoQ
|
+0.25% |
3.46%
+13.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
55.16%
+0.3% YoY
+1.4% QoQ
|
+0.13% |
55.03%
-2.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
1.01%
-15.7% YoY
-1.0% QoQ
|
+0.13% |
0.88%
-0.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
71.65%
-2.5% YoY
-0.9% QoQ
|
-10.07% |
81.72%
+3.9% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
30.03%
-0.6% YoY
-0.9% QoQ
|
+10.06% |
19.97%
+0.5% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.62%
-17.5% YoY
-1.2% QoQ
|
+0.06% |
0.55%
+9.0% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
11.64%
+2.8% YoY
-0.2% QoQ
|
-1.69% |
13.33%
-0.7% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
21% |
| Non-Interest Income / Assets ? |
1.54%
+3.8% YoY
+33.9% QoQ
|
+0.46% |
1.09%
+2.4% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Top 15% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#9 of 17 · Top 50% in Large
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.54%
(Tier: 1.09%, National: 0.65%)
Return on Assets:
1.43%
(Tier: 1.19%, National: 1.12%)
17 of 17 Large banks match
·
441 nationally
→ Stable
+4 banks QoQ
Concerns (1)
Capital Thin
risk
#4 of 18 · Bottom 18% in Large
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
11.64%
(Tier: 13.33%, National: 9.75%)
18 of 18 Large banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Total Loans
Current: $94.6B · Tier avg: $46.4B
86
86th pctile
Total Assets
Current: $158.2B · Tier avg: $74.9B
86
86th pctile
Total Deposits
Current: $132.0B · Tier avg: $60.5B
85
85th pctile
Non-Interest Income / Assets
Current: 1.54% · Tier avg: 1.09%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 30.03% · Tier avg: 19.97%
75
75th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.19%
74
74th pctile
Loan-to-Deposit Ratio
Current: 71.65% · Tier avg: 81.72%
70
70th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.46%
54
54th pctile
Efficiency Ratio
Current: 55.16% · Tier avg: 55.03%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.62% · Tier avg: 0.55%
33
33th pctile
Delinquency Rate
Current: 1.01% · Tier avg: 0.88%
21
21th pctile
Tier 1 Capital Ratio
Current: 11.64% · Tier avg: 13.33%
Top Weaknesses
21
21th pctile
Tier 1 Capital Ratio
Current: 11.64% · Tier avg: 13.33%
33
33th pctile
Delinquency Rate
Current: 1.01% · Tier avg: 0.88%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.62% · Tier avg: 0.55%
54
54th pctile
Efficiency Ratio
Current: 55.16% · Tier avg: 55.03%
70
70th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.46%
74
74th pctile
Loan-to-Deposit Ratio
Current: 71.65% · Tier avg: 81.72%
75
75th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.19%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 30.03% · Tier avg: 19.97%
85
85th pctile
Non-Interest Income / Assets
Current: 1.54% · Tier avg: 1.09%
86
86th pctile
Total Deposits
Current: $132.0B · Tier avg: $60.5B
86
86th pctile
Total Assets
Current: $158.2B · Tier avg: $74.9B
88
88th pctile
Total Loans
Current: $94.6B · Tier avg: $46.4B