HIGHBuilt-inGeographic
South, Midwest and Texas
“10-K Item 1A: 'in the South, Midwest and Texas, the principal markets in which we conduct business'”
RF · Concentration risk · 10-K extracted
Regions Financial (RF) concentration risks
Updated
The most significant concentration Regions Financial discloses is South, Midwest and Texas, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Regions Financial’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH2
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inRegulatory
Federal Reserve and Alabama State Banking Department
“10-K Item 1: 'subject to supervision and examination by both the Federal Reserve and the Alabama State Banking Department'”
MEDIUMOutside partyCounterparty
50%
Agencies (mortgage secondary market)
“10-K Item 1A: 'In 2025, we sold 50.0 percent of the mortgage loans we originated to the Agencies.'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's concentration profile combines two structural exposures and one moderate counterparty dependency. The geographic footprint is anchored in the South, Midwest, and Texas — the principal markets in which the company conducts business — a high-share structural exposure reflecting where branches, loan portfolios, and deposit bases are physically located. This creates sensitivity to regional economic conditions, real estate market dynamics, and demographic trends in those specific geographies, with limited ability to reposition quickly given the nature of retail banking. Alongside the geographic concentration, the company is subject to supervision and examination by both the Federal Reserve and the Alabama State Banking Department, a high-share regulatory exposure that is structural in character. Dual regulatory oversight is a feature of the state-chartered bank holding company structure rather than a choice, and any material change in requirements from either regulator could affect capital requirements, business practices, or permissible activities. The third disclosed exposure is a counterparty dependency of moderate size: in 2025, 50.0% of mortgage loans originated were sold to the Agencies. This means half of the mortgage production is tied to GSE purchase programs whose terms, eligibility standards, and ongoing participation requirements can change. Together, all three exposures reinforce the same geographic and regulatory core: a regionally concentrated bank operating within a GSE-dependent mortgage model under dual regulatory supervision. There are no customer or product concentrations disclosed separately. GSE policy and regional economic conditions are the dominant tracking variables.
For the engine’s reasoning on RF’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| RF● | Regions Financial Corporation | 2 | 1 | 0 | 3 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.