Regent Bank
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Data as of · sourced from FFIEC call reports. How we update
Regent Bank is an FDIC-insured commercial bank headquartered in Tulsa, OK, established in 1898 (FDIC certificate 4160), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.24B, up 18.2% from Q2 2025, the 10th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 9.93% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4160
- Headquarters
- Tulsa, OK
- Established
- 1898
- Total assets, Q2 2026
- $2.24B
- Assets vs Q2 2025
- +18.2%
- CET1 ratio, Q2 2026
- 9.93%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 103101356
- Latest call report
- Q2 2026, FFIEC 051 · Regent Bank call report
- Holding company
- REGENT CAPITAL CORPORATION
- Asset rank in state
- 10th of 169 in Oklahoma
Problem loans are rising at Regent Bank. The Tulsa, Oklahoma bank had $2.2 billion in assets at June 30, 2026, up 18.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.57% of loans from 1.23% a year earlier. It holds common equity equal to 9.93% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also carries problem assets equal to 15.6% of the capital and reserves that would absorb them, 4.4 times the median of 3.6% for banks its size.
The commercial and industrial book ($363 million) is worsening: 5.19% of it is past due or on nonaccrual, up from 1.66% a year earlier. The non-owner-occupied commercial real estate book ($346 million) is worsening: 9.40% of it is past due or on nonaccrual, up from 5.21% a year earlier. Funding is the softer spot: it pays an average of 2.60% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Regent Bank reported a CET1 capital ratio of 9.93%, a return on assets of 1.18%, a nonperforming-loan ratio of 2.51% and a Texas ratio of 15.59%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Regent Bank is the 10th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 8.1% to $2.24B, loans rose 9.9% and deposits rose 7.1%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 19.4% of total loans, followed by non-owner-occupied commercial real estate loans at 18.5%. Its 7 offices in the FDIC Summary of Deposits are in 6 cities across 2 states; its Tulsa office books 63% of its branch deposits. By the capital ratios in its Q2 2026 call report, Regent Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 7136 S Yale Ave, Tulsa, OK 74136
- County
- Tulsa
- Metro Area
- Tulsa, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1898
- Former names
- Regent Bank & Trust Company, National Association (2003-2008); The First National Bank & Trust Company (1997-2003)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 261
- Domestic deposits
- $1.94B
- Allowance for credit losses
- $22.6M
- Net charge-offs (YTD)
- $500K
- Average total assets
- $2.15B
- Average total loans
- $1.80B
- Average interest-bearing deposits
- $1.51B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4160
- Fed RSSD
- 309655
- SEC CIK
- 1620259 → filed by REGENT CAPITAL CORPORATION
- Website
- www.Regent.Bank →
- Parent Holding Company
- REGENT CAPITAL CORPORATION (RSSD 3632000)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Regent Bank's total assets moved between a low of $1.38B (Q3 2023) and a high of $2.24B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.24B total assets against $1.90B; $2.03B total liabilities against $1.73B.
$1.85B net loans and leases against $1.52B; $1.94B total deposits against $1.64B.
$194.6M securities against $196.7M; $84.6M cash and balances due against $103.1M.
$35.5M total interest income against $29.9M; $12.6M total interest expense against $11.7M.
$22.9M net interest income against $18.2M.
$2.5M total noninterest income against $3.1M; $15.8M total noninterest expense against $12.2M.
$1.7M provision for credit losses against $1.7M.
$6.3M net income against $5.6M.
1.18% return on assets against 1.26%; 4.44% net interest margin against 4.23%.
9.93% CET1 capital ratio against 9.85%; 9.85% tier 1 leverage ratio against 9.57%.
Inside the full Regent Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Regent Bank rankings
Its closest position to the top of a national ranking is 285 of 3,640, for Texas Ratio; its furthest is 2,105 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.67% (Q3 2024) to 1.30% (Q4 2025) and its net interest margin ran from 3.59% (Q4 2024) to 4.44% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.93% | 1.18% | 2.51% | 15.59% | 4.44% |
| Q1 2026 | 10.52% | 0.68% | 2.74% | 16.21% | 4.14% |
| Q4 2025 | 10.38% | 1.30% | 2.29% | 13.21% | 4.34% |
| Q3 2025 | 9.55% | 1.06% | 2.71% | 14.61% | 4.25% |
| Q2 2025 | 9.85% | 1.26% | 2.29% | 10.89% | 4.23% |
| Q1 2025 | 10.12% | 0.75% | 2.07% | 10.06% | 3.73% |
| Q4 2024 | 10.43% | 0.83% | 2.29% | 11.17% | 3.59% |
| Q3 2024 | 10.30% | 0.67% | 1.72% | 8.20% | 3.61% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Regent Bank (main office) | Tulsa , OK | 74136 | $1.21B |
| Oklahoma City Branch | Oklahoma City , OK | 73118 | $192.7M |
| Edmond Branch | Edmond , OK | 73034 | $164.7M |
| Springfield Branch | Springfield , MO | 65809 | $161.5M |
| Broken Arrow Branch | Broken Arrow , OK | 74012 | $105.0M |
| Regent Bank Branch | Nowata , OK | 74048 | $101.6M |
| Nowata Branch | Nowata , OK | 74048 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2023 | Structure Change | Acquired Regent Executive Center I, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- September 20, 2006, OCC: Formal Agreement: Regent Bank & Trust Company, National Association
- Period: Most recent institution action September 20, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.2% of deposits in OK, rank 11 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 350 applications, 272 loans originated, $113.9M originated, across 14 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 11 loans, $8.0M approved, $731K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Regent Bank
What are Regent Bank's total assets?
As of the Q2 2026 filing, Regent Bank reported total assets of $2.24 billion in its FFIEC call report.
Where is Regent Bank headquartered?
It is headquartered in Tulsa, OK, United States.
When was Regent Bank founded?
It was established in 1898, per the FDIC institution directory.
Is Regent Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4160). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Regent Bank?
Regent Bank's primary federal regulator is the FDIC.
What is Regent Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.93% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Regent Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Regent Bank's Texas Ratio?
Its Texas Ratio is 15.59% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Regent Bank previously called?
The charter now named Regent Bank has also operated as Regent Bank & Trust Company, National Association (2003-2008), The First National Bank & Trust Company (1997-2003), per FDIC structure-change records.
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