Regent Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Risk-weighted assets: 9.3% higher than in Q1 2026, at $2.13B. Regent Bank has the 2nd lowest CET1 ratio of the 71 banks headquartered in Oklahoma, at 9.93% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Regent Bank sits 3.56 points lower, at 9.93% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.93% |
| Tier 1 risk-based capital ratio | 9.93% |
| Total risk-based capital ratio | 11.07% |
| Tier 1 leverage ratio | 9.85% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $211.4M |
| Tier 1 capital | $211.4M |
| Total risk-based capital | $235.8M |
| Total equity capital | $210.9M |
| Risk-weighted assets | $2.13B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.41% |
| Tangible equity to tangible assets | 9.24% |
| Equity capital to average assets | 9.81% |
| Internal capital growth rate | 12.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $102K |
| Common stock surplus | $109.0M |
| Retained earnings | $106.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.07% | 10.07% | 11.14% | 9.97% | $1.30B |
| Q4 2023 | 10.29% | 10.29% | 11.33% | 10.17% | $1.40B |
| Q1 2024 | 10.01% | 10.01% | 11.16% | 9.11% | $1.47B |
| Q2 2024 | 10.13% | 10.13% | 11.27% | 9.30% | $1.52B |
| Q3 2024 | 10.30% | 10.30% | 11.50% | 9.45% | $1.53B |
| Q4 2024 | 10.43% | 10.43% | 11.67% | 9.43% | $1.55B |
| Q1 2025 | 10.12% | 10.12% | 11.37% | 9.56% | $1.62B |
| Q2 2025 | 9.85% | 9.85% | 10.95% | 9.57% | $1.72B |
| Q3 2025 | 9.55% | 9.55% | 10.66% | 9.41% | $1.83B |
| Q4 2025 | 10.38% | 10.38% | 11.49% | 10.20% | $1.89B |
| Q1 2026 | 10.52% | 10.52% | 11.70% | 9.98% | $1.95B |
| Q2 2026 | 9.93% | 9.93% | 11.07% | 9.85% | $2.13B |
Regent Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Regent Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Regent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4160) · FFIEC NIC profile (RSSD 309655)