Unverified listing What this means

The Lender Report built this page from public records. Regions Bank has not reviewed it. Every lender's page starts this way, and it says nothing about Regions Bank itself. Each figure shows its source and date. Work at Regions Bank? You can claim this page for free.

Bank, Birmingham, AL

Regions Bank

A bank based in Birmingham, AL. Its commercial book is mostly C&I. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.

Kind
Bank
Data as of
June 30, 2026
Page last changed
November 12, 2026
Commercial book
$43.8B
FDIC call report,
Holds, not loans made
Multifamily loans made, 2025
159
HMDA,
HMDA, 5 or more units
SBA loans, 36 months
514
SBA FOIA,
7(a) and 504, net of cancelled
Total assets
$160B
FDIC call report,
Does it fit my deal?

The deal is read here and kept nowhere. Leave out names, income and credit scores.

How to reach them

Each line shows where it came from

Phone
The FDIC record has no phone number. Try the lender's website.
Website
www.regions.comFrom the FDIC record, November 9, 2026.
Names it files under
Regions Financial CorporationFDIC institution record,
Address
1900 5th Ave N, Birmingham, AL 35203FDIC institution record,
Regulator record
FDIC BankFind

Recently done

Recorded lending

Recorded lending. Two or more public files show loans this lender made.

What the public record shows, newest first
WhenWhat the record showsSource
Last 24 months Office changes in the last 24 months: 1 opened, 16 closed, 8 relocated.FDIC structure history. FDIC history
Oct 2023 to Sep 2026 SBA 7(a) approvals by processing method: 259 under Preferred Lender authority, 111 SBA Express, 10 CAPLines.SBA ProcessingMethod field, net of cancellations. SBA FOIA,
Fiscal 2026 The holding company reported a balance of $15.3B still held on loans originated in fiscal 2026.Group level: the registrant and all of its subsidiaries together. A balance, not the amount originated. SEC 10-Q and 10-K filings,
Jun 2025 to Jun 2026 Owner-occupied CRE balance rose 3.0% to $5.4B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Non-owner-occupied CRE balance rose 6.5% to $4.2B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. FDIC call report
2024 Reported making 20,531 small business loans totaling $2B in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. FFIEC CRA disclosure data
2023-10 to 2026-09 Named as the lender on 11 mortgages recorded in New York City.exact normalized lender name and state, or a reviewed alias NYC ACRIS recorded mortgages

Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.

Regions BankNewest first
PeriodPlaceLoanAmountRateTermLTVSource
Sep 2026GeorgiaSBA 7(a), Wholesale Trade$3.2M7%3 yrSBA FOIA
Sep 2026TexasSBA 7(a), Full-Service Restaurants$2.5M10%10 yrSBA FOIA
Sep 2026North CarolinaSBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors$2.3M6%25 yrSBA FOIA
Sep 2026North CarolinaSBA 7(a), Child Care Services$2M6.5%10 yrSBA FOIA
Sep 2026TennesseeSBA 7(a), Other Foundation, Structure, and Building Exterior Contractors$1.7M6%8 yrSBA FOIA
Sep 2026TexasSBA 7(a), Administrative Management and General Management Consulting Services$1.6M7.75%10 yrSBA FOIA
Sep 2026ArkansasSBA 7(a), Snack and Nonalcoholic Beverage Bars$1.5M6.5%23 yrSBA FOIA
Sep 2026TexasSBA 7(a), Manufacturing$1.3M6.5%25 yrSBA FOIA
Sep 2026TexasSBA 7(a), Automotive Parts and Accessories Retailers$990K8.5%25 yrSBA FOIA
May 2026FloridaSBA 504, Plumbing, Heating, and Air-Conditioning Contractors$650K25 yrSBA FOIA
Apr 2026FloridaSBA 504, Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance$540K25 yrSBA FOIA
Mar 2026FloridaSBA 504, Full-Service Restaurants$970K25 yrSBA FOIA
Mar 2026IllinoisSBA 504, Landscaping Services$440K25 yrSBA FOIA
Mar 2026FloridaSBA 504, Veterinary Services$890K25 yrSBA FOIA
Feb 2026GeorgiaSBA 504, Limited-Service Restaurants$2.1M25 yrSBA FOIA
Jan 2026FloridaSBA 504, Supermarkets and Other Grocery Retailers (except Convenience Retailers)$520K25 yrSBA FOIA
Jan 2026FloridaSBA 504, Baked Goods Retailers$3M25 yrSBA FOIA
2025Hinds County, MSPurchase, 150 or more units$61M5.43%17 yr70%HMDA 2025
2025Colquitt County, GARefinance, 25 to 49 units$3.1M6.54%7 yr75%HMDA 2025
2025Collin County, TXRefinance, 5 to 24 units$3.7M5.64%5 yr63%HMDA 2025
2025New York County, NYRefinance, 5 to 24 units$1.4M6.51%5 yr52%HMDA 2025
2025Bexar County, TXRefinance, 25 to 49 units$2.9M6.23%10 yr68%HMDA 2025
2025Bexar County, TXRefinance, 50 to 99 units$2.2M6.07%5 yr49%HMDA 2025
2025St. Louis County, MOPurchase, 50 to 99 units$3.1M6.03%7 yr62%HMDA 2025
2025Crawford County, OHRefinance, 5 to 24 units$1.1M6.04%10 yr70%HMDA 2025
384 SBA 7(a) loans since October 2023, net of cancelled$322MSBA FOIA

A blank means the source did not report it.

Recorded mortgages, New York City

NYC ACRIS, September 30, 2026

Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.

  • 11 mortgages recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 name Regions Bank as the lender, totaling $19.9M.
  • 3 of them were recorded in the latest 12 months of that window.
Recorded mortgages by property class
Property classMortgagesDollars
Multifamily7$17.0M
Mixed use4$2.90M
NYC ACRIS recorded mortgages,
Recorded mortgages by borough
BoroughMortgages
Brooklyn7
Manhattan3
Bronx1
NYC ACRIS recorded mortgages,

How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.

What it holds

FDIC call report, June 30, 2026

Commercial book on the latest filing
BookHoldsOf its loansYear over year
Multifamily$3.88B3.9%+23.3%
Construction and land development$2.81B2.8%-2.9%
Owner-occupied CRE$5.38B5.4%+3.0%
Non-owner-occupied CRE$4.19B4.2%+6.5%
Farmland$64.0M0.1%-31.9%
Commercial and industrial$27.5B27.5%-0.1%
Commercial total$43.8B
FDIC call report,

Reference only: $25.0B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.

Table
Commercial book by quarter
QuarterCommercial book
Q3 2023$47.9B
Q4 2023$47.2B
Q1 2024$46.4B
Q2 2024$46.7B
Q3 2024$45.9B
Q4 2024$42.0B
Q1 2025$41.7B
Q2 2025$42.8B
Q3 2025$42.4B
Q4 2025$40.8B
Q1 2026$41.9B
Q2 2026$43.8B
FDIC call reports,
Loans on record, by kind
Kind of loanPeriodLoans madeDollarsTypical sizeLargestSource
Multifamily, 5 or more units2025159$2.14B$6.20M$63MHMDA,
Multifamily, 5 or more units2024220$3.35B$5.50MHMDA,
1-4 unit investor or business purpose2025369$116M$205KHMDA,
SBA 7(a), net of cancelled36 months to Sep 2026384$322M$350K$5MSBA FOIA,
SBA 7(a), net of cancelled12 months to Sep 2026145$107MSBA FOIA,
SBA 504 first lien, net of cancelled36 months to Sep 2026130$251M$1.37M$12MSBA FOIA,
FHA-insured multifamilyFiscal 20254$176MHUD FHA endorsements,
FHA-insured multifamilyFiscal 20266$142MHUD FHA endorsements,

How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens (several rules: name and state; holding company name, one bank).

SBA loans by industry, 36 months
IndustryLoansDollars
Child Care Services33$46.0M
Manufacturing25$32.3M
Limited-Service Restaurants17$16.3M
Full-Service Restaurants15$14.4M
Wholesale Trade13$21.1M
Plumbing, Heating, and Air-Conditioning Contractors13$8.24M
Offices of Physicians (except Mental Health Specialists)10$4.04M
Administrative and Support and Waste Management and Remediation Services9$12.2M
Offices of Dentists9$10.6M
Insurance Agencies and Brokerages9$3.76M
SBA FOIA,

Other lenders in these fields: SBA lenders for child care businesses, SBA lenders for manufacturers, SBA lenders for restaurants.

Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA). FHA multifamily lender (HUD).

Small business loans reported under CRA

FFIEC CRA, 2024

  • Regions Bank reported making 20,531 small business loans totaling $2,028,650,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
  • By size when made: 14,899 of $100,000 or less, 3,777 over $100,000 up to $250,000, 1,855 over $250,000 up to $1 million.
  • 10,317 of them, totaling $561,404,000, went to businesses with revenue of $1 million or less.
  • Regions Bank reported making 382 small farm loans totaling $46,028,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
  • By size when made: 228 of $100,000 or less, 97 over $100,000 up to $250,000, 57 over $250,000 up to $500,000.
  • 201 of them, totaling $16,162,000, went to farms with revenue of $1 million or less.
Counties with 5 or more small business loans in 2024. Other counties, each under 5 loans: 2,284 loans, $183,418,000.
CountyLoansTotal
Miami-Dade County, FL700$59.1M
Harris County, TX373$31.8M
Los Angeles County, CA345$32.5M
Orange County, FL325$46.0M
Hillsborough County, FL297$24.7M
Jefferson County, AL283$48.2M
Cook County, IL254$20.0M
Pinellas County, FL251$25.1M
Maricopa County, AZ223$23.0M
Broward County, FL222$25.4M
FFIEC CRA disclosure data,
Counties with 5 or more small farm loans in 2024. Other counties, each under 5 loans: 354 loans, $42,540,000.
CountyLoansTotal
Limestone County, AL7$1.10M
Iredell County, NC6$637K
Cullman County, AL5$401K
Iberia Parish, LA5$1.09M
Guilford County, NC5$257K
FFIEC CRA disclosure data,

In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.

Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.

How this filing was tied to this bank: RSSD (respondent ID) + transmittal RSSD.

Undrawn commitments

FFIEC Call Report, June 30, 2026

  • Regions Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $889,000,000 for 1-4 family residential construction and $2,478,000,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
  • Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $29,146,000,000. These are credit lines not yet used.

FFIEC Call Report,

Small loans it holds, by original size

FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026

Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.

Commercial and industrial loans, by original amount
Original amountLoansHolds
$100,000 or less65,886$978M
Over $100,000 up to $250,00010,422$820M
Over $250,000 up to $1 million6,501$1.55B
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Loans secured by nonfarm nonresidential property, by original amount
Original amountLoansHolds
$100,000 or less862$36.0M
Over $100,000 up to $250,0001,285$140M
Over $250,000 up to $1 million2,116$815M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Loans secured by farmland, by original amount
Original amountLoansHolds
$100,000 or less34$1.00M
Over $100,000 up to $250,00053$6.00M
Over $250,000 up to $500,00039$9.00M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Agricultural production loans, by original amount
Original amountLoansHolds
$100,000 or less314$8.00M
Over $100,000 up to $250,000171$14.0M
Over $250,000 up to $500,000146$32.0M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,

Where it lends

Offices beside loans on record

Offices and recorded loans by state
StateOfficesMultifamily 20251-4 investor 2025SBA 7(a) 36 mo.SBA 504 36 mo.
Florida27011909177
Texas8535379718
Tennessee196341555
Georgia12211353814
Alabama HQ184352214
North Carolina61012142
Arkansas55118191
Louisiana79024130
Indiana41212113
South Carolina187941
Missouri492983
Mississippi9631470
FDIC office list, HMDA, SBA FOIA,

Also in IL, KY, UT, IA, CA, NY, VA, OH, WA, OR, PA, CO, AZ, NJ, MD, OK.

Counties with the most recorded loans (5 or more)
CountyRecorded loansDollars
Harris County, TX13$299M
Dallas County, TX13$142M
Tarrant County, TX11$250M
Charleston County, SC9$107M
Miami-Dade County, FL8$127M
King County, WA8$104M
Los Angeles County, CA8$21.9M
Philadelphia County, PA7$74.8M
Bexar County, TX7$73.8M
Kings County, NY6$12.6M
HMDA, SBA FOIA,
Metro areas with the most recorded loans (5 or more)
MetroRecorded loansDollars
Dallas-Plano-Irving, TX20$223M
Houston-Pasadena-The Woodlands, TX16$393M
New York-Jersey City-White Plains, NY-NJ14$44.0M
Charlotte-Concord-Gastonia, NC-SC13$319M
Portland-Vancouver-Hillsboro, OR-WA13$71.8M
Fort Worth-Arlington-Grapevine, TX12$253M
Charleston-North Charleston, SC12$119M
Philadelphia, PA9$89.9M
Miami-Miami Beach-Kendall, FL8$127M
Seattle-Bellevue-Kent, WA8$104M
HMDA, SBA FOIA,

Offices by county

FDIC Summary of Deposits, June 30, 2026

  • Regions Bank has 1,245 offices in 370 counties and 16 states (FDIC Summary of Deposits, June 30, 2026): 1,221 full service and 24 limited service.
Counties with the most offices
CountyFull-service officesLimited-service offices
Jefferson County, AL354
Miami-Dade County, FL361
Davidson County, TN303
Shelby County, TN290
Pinellas County, FL270
Harris County, TX270
Mobile County, AL222
Orange County, FL220
St. Louis County, MO211
Hillsborough County, FL210
Marion County, IN160
Knox County, TN160
Madison County, AL150
Hamilton County, TN150
Pulaski County, AR140
FDIC Summary of Deposits,

Loan production offices are not in this file. A bank with no office here can still lend here.

Capacity. Not a rating

Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.

Lending capacity measures, with peers
MeasureThis lenderIts peersHow it is worked outSource
Estimated largest single loan$2.44B$1.69B to $4.75B across 8 peersEstimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated.FDIC call report, 12 CFR 32.3, Jun 30, 2026
CRE to capital67.0%16.1% to 109.9% across 8 peers(Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance.FDIC call report,
Construction to capital17.3%2.4% to 25.2% across 8 peersConstruction loans divided by tier 1 capital plus allowance.FDIC call report,
Loans to deposits75.7%29.6% to 91.9% across 8 peersTotal loans divided by total deposits.FDIC call report,
Unused CRE commitments$6.58B$450M to $10.6B across 8 peersCommitments to lend on commercial real estate that are not yet drawn.FDIC call report,
Loans to assets62.5%24.5% to 76.5% across 8 peersTotal loans divided by total assets.FDIC call report,

Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.

Loan channel and SBA processing

Public record only

  • Of 379 multifamily loans with a known channel in 2024 to 2025, 1 (0.3%) came through a third party. HMDA,

Third party includes correspondents as well as brokers. No figure here means no evidence, not a refusal.

Preferred Lender authority
259 loans (67.5%)
SBA Express
111 loans
CAPLine
10 loans
Approval to first disbursement
36 days, median of 320

SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.

Peers

Same kind of lender, similar size and book

Peers
LenderStateTotal assetsCommercial book
KeyBank National AssociationOH$189B$54.6B
Ally BankUT$188B$42.8B
BMO Bank National AssociationIL$255B$74.0B
Manufacturers and Traders Trust CompanyNY$219B$69.1B
Fifth Third Bank, National AssociationOH$299B$104B
The Huntington National BankOH$283B$92.8B
The Northern Trust CompanyIL$179B$10.4B
Citizens Bank, National AssociationRI$233B$55.0B
FDIC call report,

Compare these lenders side by side

What we don't know

  • Whether it is taking new loans today, or on what terms.
  • How much of its book it made recently. Call reports carry balances, not loans made.
  • Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
  • How its 1-4 family loans divide between owner-occupied and investor.
  • Whether it takes brokers on any given deal. The public record shows only that some loans came through a third party.

Check this page

Against the regulator's own record

  1. Name and charter. Regions Bank, FDIC certificate 12368. Compare it with the regulator's record. [FDIC BankFind]
  2. Balances. $160B in total assets and $43.8B in commercial loans held, from the call report for June 30, 2026. [Source]
  3. Loans made. 1,262 recorded loans from HMDA and SBA files, through September 30, 2026: 159 HMDA multifamily 2025, 220 HMDA multifamily 2024, 369 HMDA 1-4 unit investor 2025, 384 SBA 7(a) in 36 months, 130 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Regions Bank]
  4. Phone and website. No phone number is on record. Website regions.com, from the FDIC record. [How to reach them]
  5. Small business loans reported under CRA. 20,531 small business loans reported in its CRA filing for 2024. [Source]
  6. Recorded mortgages, New York City. 11 recorded mortgages in New York City under this name. [Source]

Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error

For the record

Data as of June 30, 2026. Page last changed November 12, 2026.

Regulator
Federal Reserve
FDIC certificate
12368
RSSD
233031
LEI
EQTWLK1G7ODGC2MGLV11
The Lender Report ID
lr_000028
FDIC classifies this bank as
Commercial Lending Specialization
Ownership
Stock
Head office metro area
Birmingham-Hoover, AL

FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.

  • Reported $159.8B in total assets as of June 30, 2026 (FDIC call report).
  • Held $43.8B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
  • Held $27.5B of commercial and industrial loans as of June 30, 2026 (FDIC call report).
  • Held $5.4B of owner-occupied commercial real estate loans as of June 30, 2026, up 3.0% from a year earlier (FDIC call report).
  • Held $4.2B of non-owner-occupied commercial real estate loans as of June 30, 2026, up 6.5% from a year earlier (FDIC call report).
  • Originated 159 multifamily loans totaling $2.1B in 2025 (HMDA).
14 more sentences
  • Originated 220 multifamily loans totaling $3.4B in 2024 (HMDA).
  • Originated 369 1-4 unit investor or business-purpose loans totaling $115.6M in 2025 (HMDA).
  • Recorded 443 SBA 7(a) approvals totaling $378.2M from October 1, 2023 to September 30, 2026, of which 59 were later cancelled (SBA).
  • Provided the first lien on 136 SBA 504 projects with $255.8M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 6 were later cancelled (SBA).
  • Closed 10 FHA-insured multifamily loans totaling $317.9M in fiscal 2025 and fiscal 2026 (HUD).
  • Has 2 FHA firm commitments totaling $86M not yet closed (HUD).
  • Listed 1,259 offices in 16 states (FDIC).
  • Reported making 20,531 small business loans totaling $2B in 2024, in its Community Reinvestment Act filing (FFIEC).
  • Reported making 382 small farm loans totaling $46M in 2024, in its Community Reinvestment Act filing (FFIEC).
  • Regions Financial Corp reported in its 10-Q for the period ended 2026-09-30 that the company and all of its subsidiaries together still held $15.3B of loans originated in fiscal 2026 (SEC filing).
  • Held 82,809 commercial and industrial loans that were $1 million or less when made, with a balance of $3.3B as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Held 4,263 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $991M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $889M for 1-4 family and $2.5B for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
  • Named as the lender on 11 mortgages recorded in New York City from 2023-10 to 2026-09, totaling $19.9M (NYC Department of Finance, ACRIS).

Cite this

Source: The Lender Report, Regions Bank, https://lender.report/lender/regions-bank-al/, data as of June 30, 2026.

Sources

Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.

See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Correction form. Names identify institutions and imply no affiliation.

We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.

Work at Regions Bank? Claim this page, free.

Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem