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Regions Bank

IDRSSD: 233031
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q2QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #233031 2024-Q2 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (stable).

Liquidity:Strong
Securities:Unknown
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +2

The five pillars

Liquidity

StrongQoQ -1
96
Sub-score

Liquidity is strong: brokered 1.4%, loans/deposits 74.8%.

Cash / Assets
—
Loans / Deposits
74.78%
Brokered %
1.38%
No watch items at this period.

Securities

Unknown
—
Sub-score

Insufficient data to compute a narrative for this pillar.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
—
No watch items at this period.

Capitalization

StableQoQ -2
71
Sub-score

Capital position is stable: Tier 1 RBC 11.35%, CET1 11.35%, leverage 9.19%.

Tier 1 RBC
11.35%
CET1
11.35%
Leverage
9.19%
No watch items at this period.

Asset Quality

StrongQoQ +1
91
Sub-score

Asset quality is strong: Adjusted NPL 1.09%, Texas Ratio 6.6%, NCO YTD 0.41%.

Adjusted NPL
1.09%
Govt-guarantees stripped
Texas Ratio
6.6%
NCO YTD
0.41%
30-89 PD
0.36%
Band 0.3% / 3.0%
90+ PD
0.21%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +2
90
Sub-score

Reserves are strong: ALLL 1.65% of loans, coverage 153.9%, true coverage 112.2%.

ALLL / Loans
1.65%
Coverage
153.9%
True Loss Coverage
112.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 13:29:52 UTC