RF · 8-K · 20260807PR000057
Deposit Base and Liquidity
REGIONS FINANCIAL CORP · 2026-08-07 · Importance 48 · Surprise 40 · In source text
Total ending deposits were $130.7 billion at June 30, 2026, while average deposits increased modestly and second-quarter deposit costs declined to 1.18% from 1.20% in the first quarter and 1.39% a year earlier. Approximately 71% of total deposits were FDIC-insured or collateralized, and no single depositor exceeded 1% of total deposits. Total liquidity sources increased to $68.5 billion, including $26.3 billion of unencumbered investment securities and $25.9 billion of discount-window availability. Liquidity represented approximately 181% of uninsured deposits, excluding intercompany and secured deposits.
Key facts
- Including capacity at the discount window, liquidity to uninsured deposits ratio is ~181% source
- Total Liquidity Sources as of 2Q26 $68.5B (includes cash at Fed $6.5B, unencumbered securities $26.3B, FHLB availability $9.8B, discount window availability $25.9B) source
- Intentional mix shift from CDs into money market accounts continued across consumer and wealth segments source
- ~71% of Total Deposits are covered by FDIC insurance or are collateralized source
- No single depositor exceeds 1% of total deposits source
- Regions had $14.6B deposit growth in Priority Markets since 2019 source
- Total deposits as of 2Q26: $130.7B source
- Consumer deposits performed well with checking balance growth helping offset modest declines in corporate and wealth deposits source
Impact estimates
| metric | direction | stage | expected | basis |
|---|---|---|---|---|
| revenue | positive | realized | — | Intentional mix shift from CDs into money market accounts continued across consumer and wealth segments |
| assets | positive | realized | — | Regions had $14.6B deposit growth in Priority Markets since 2019 |
| liability | unclear | realized | — | Total deposits as of 2Q26: $130.7B |
| liability | unclear | realized | — | Consumer deposits performed well with checking balance growth helping offset modest declines in corporate and wealth deposits |
| liability | positive | realized | — | >90% of consumer checking households include a high-quality checking account; >60% of consumer deposit balances are with customers that… |