Regions Financial is a $118 billion asset regional bank based in Birmingham, Ala. The bank focuses on the southern and Midwest U.S. states and Texas. Regions' branch footprint is especially large in Florida, Tennessee, and Alabama. Its $76-billion loan book is heavily weighted toward commercial and industrial loans, followed by commercial mortgages, residential mortgages, and home-equity loans. Regions also runs an insurance business and a wealth management organization. In total, noninterest income contributes more than 35% of net revenue.