BANK
HIGHER RATE THAN 98% OF SCORED PEERS
Complaint rate · per 1,000 customersscale 0–10
Sector median 0.48 · Lowest in dataset 0.21
A higher federal complaint rate per customer than 98% of scored peers in the 45-bank dataset.
Methodological confidence: HIGH · n=8,708 complaints over 14 years
Customer ratio
1 in 1,516
customers filed a federal complaint
Resolved with relief
32%
received monetary or non-monetary relief
Daily volume
1.7
complaints per day · 2011–2025 average
3.1× the rate of WEBSTER BANK, NATIONAL ASSOCIATION (lowest); 1.4× the sector median; higher rate than 98.21% of 45 scored institutions.
24-month trajectory · monthly complaint rate
Where complaints concentrate · top 3 product categories
Checking & savings
0.29/1k
3,789
Mortgages
0.08/1k
1,112
Credit cards
0.06/1k
815
5 nearest rates in scored dataset
0.54/1k
0.63/1k
0.66/1k
0.74/1k
0.77/1k
Federal data sources
Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU
REGIONS FINANCIAL CORPORATION performs slightly below the industry benchmark.
A rate of 0.66 per 1,000 customers is above the threshold we consider low-risk (0.50). While not among the worst performers, there are better-rated alternatives available. Complaint rates are normalised across 8,708 total complaints and estimated customer counts, making comparisons fair across institutions of all sizes.
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Check the complaint categories below to see where this institution receives the most criticism, and compare against alternatives before committing.
Complaint Profile
Rate / 1,000 customers0.66/1k
Total complaints (2011–2025)8,708
Year-on-year change+26%worsening
Timely response rate98.7%
Complaint rate normalised per 1,000 estimated customers. National median ≈ 0.30/1k.
Financial Health Indicators
Net charge-off rate0.53%✓ healthy
Tier 1 capital ratio11.6%✓ adequate buffer
Loan loss reserve ratio1.62%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
TARP government bailout$3.50B
DFAST stress test (Fed)9.1% CET1 stressed
HMDA Mortgage Fair Lending · 2023
Mortgage denial rate16.8%
Denial rate — White applicants16.8%
Denial rate — Black applicants16.8%
Denial rate — Hispanic applicants16.8%
Racial disparity index1.00×✓ near parity
Based on 13,177 mortgage applications · FFIEC HMDA 2023
Regulatory Enforcement Record
OCC (Office of the Comptroller)Federal ReserveCivil Money Penalty, Civil Money Penalty, $135,000, Civil Money Penalty, $46,000,000CFPB (Consumer Financial)FinCEN (Anti-money laundering)FDIC (Federal Deposit Insurance)FTC (Federal Trade Commission)
Dot colour reflects the most recent enforcement record on file at each agency. Each row links to that regulator’s source explainer.
Top Complaint Issues
24%
7%
6%
Breakdown of complaint issues filed with the CFPB by customers of this institution.
Methodological notes
Received TARP government bailout: $3.5B
Subject to annual DFAST stress testing by the Federal Reserve (applies to largest US banks)
Institution Status
No DNA profile signals computed for this institution.
Enforcement
Financial Health
Fair Lending
Computed Signals
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›