3. Regions Financial ( RF) One to four family mortgage loans as a percentage of total assets: 22.5 Birmingham, Ala.-based Regions ranks 17th out of 19 banks in the S&P 500 in terms of its attractiveness to analysts, who rank it 2.85 on a scale of one to five, according to Bloomberg consensus figures. Regions has nearly $30 billion in mortgage loans, about 2.3% of which are in foreclosure and 1.6% are 30-89 days past due. Regions Financial is the twelfth largest bank in the country with $95 billion in deposits, according to Stifel Nicolaus, which notes in a report that Regions has grown "dramatically" during the past five years through mergers with Union Planters in July 2004 and AmSouth in November 2006. Regions serves customers in 16 states across the South, Midwest, and Texas, and through its subsidiary, Regions Bank, operates 1,774 banking offices and a 2,162-ATM network. Its investment and securities brokerage, trust and asset management division, Morgan Keegan & Company Inc., operates out of 325 different offices.