RFRegions Financial Corporation
Regions Financial Corporation is a FHC headquartered in Birmingham, Alabama operating in the South, Midwest and Texas. 10-K, Item 1
- Headquarters
- Birmingham, AL
- CEO
- J. Turner
- Next results
- around Jan 15, 2027
Numbers that matter for banks, which general screens compare wrongly. Some come from the 10-K's XBRL. The rest are quoted from the company's own filings, because there is no standard tag for them: the sentence is the source.
Net interest margin
3.7% 10-Q filed 2026-11-09What the bank earns on loans and securities minus what it pays on deposits, as % of earning assets.
“The net interest margin (taxable-equivalent basis) was 3.68 percent in the third quarter of 2026, reflecting a 9 basis point increase from the same period in 2025.”
Read it in the filing ↗
Efficiency ratio
57.3% fiscal year to Dec 31, 2025Non-interest expense as % of revenue. Lower is leaner.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 58.2% | 56.4% | 58.3% | 59.9% | 57.3% |
XBRL: NoninterestExpense, 0001281761-26-000019; InterestIncomeExpenseNet, 0001281761-26-000019; NoninterestIncome, 0001281761-26-000019
Loans to deposits
71.7% fiscal year to Dec 31, 2025How much of its deposits the bank has lent out.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 62.1% | 72.5% | 75.8% | 74.5% | 71.7% |
XBRL: FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss, 0001281761-26-000073; Deposits, 0001281761-26-000073
Return on tangible common equity
16.4% fiscal year to Dec 31, 2025Net income over common equity without goodwill and intangibles (net income is before preferred dividends, so this runs a little high for banks with preferred stock).
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 20.5% | 22.5% | 18.0% | 15.8% | 16.4% |
XBRL: NetIncomeLoss, 0001281761-26-000019; StockholdersEquity, 0001281761-26-000073; Goodwill, 0001281761-26-000073; IntangibleAssetsNetExcludingGoodwill, 0001281761-26-000073
Net interest income
$5.0B fiscal year to Dec 31, 2025Interest earned minus interest paid.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| $3.9B | $4.8B | $5.3B | $4.8B | $5.0B |
XBRL: InterestIncomeExpenseNet, 0001281761-26-000019
Work on RF in a spreadsheet:
Excel workbook (a sheet per section, ten years by column, charts, links to the filings) ·
CSV.
For a Google Sheet that stays up to date, paste =IMPORTDATA("https://tickdelta.com/company/RF/export.csv") into a cell.