Regent Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 30.66 percentage points higher than in Q1 2026, at 302.30%. Within Oklahoma, Regent Bank is 26th of 169 on loan-to-deposit ratio, 96.48% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Regent Bank sits 8.28 points higher, at 96.48% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.87B |
| Net loans and leases | $1.85B |
| Loans held for sale | $1.8M |
| Loans to total assets | 83.44% |
| Loan-to-deposit ratio | 96.48% |
| Net loans to equity capital | 8.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.25% |
| Multifamily (5+ residential) | 3.85% |
| Commercial and industrial | 19.42% |
| Consumer | 2.18% |
| Credit cards | 0.00% |
| Farm | 5.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 302.30% |
| Construction concentration (Tier 1 capital + allowance) | 123.80% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.27% |
| Interest income on loans | $32.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.14B | $1.02B | 31.24% | 22.65% | 1.48% |
| Q4 2023 | $1.20B | $1.34B | 30.19% | 23.08% | 2.16% |
| Q1 2024 | $1.26B | $1.49B | 32.02% | 21.95% | 1.84% |
| Q2 2024 | $1.31B | $1.45B | 33.08% | 21.31% | 1.57% |
| Q3 2024 | $1.35B | $1.52B | 31.89% | 22.68% | 1.55% |
| Q4 2024 | $1.38B | $1.51B | 32.40% | 22.16% | 1.51% |
| Q1 2025 | $1.46B | $1.54B | 32.40% | 20.70% | 2.57% |
| Q2 2025 | $1.53B | $1.64B | 31.95% | 21.68% | 2.27% |
| Q3 2025 | $1.63B | $1.62B | 33.12% | 21.86% | 1.88% |
| Q4 2025 | $1.66B | $1.73B | 35.27% | 21.14% | 1.88% |
| Q1 2026 | $1.70B | $1.81B | 35.34% | 19.69% | 1.88% |
| Q2 2026 | $1.87B | $1.94B | 34.25% | 19.42% | 2.18% |
Regent Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Regent Bank, freeSource: Call Report Schedule RC-C, 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)