Regent Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 4.55 percentage points in Q2 2026, from 45.66% to 50.21%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Regent Bank is 109th of 169 on return on assets, 1.18% as of Q2 2026, below the middle of the field. Regent Bank reported 1.18% on return on assets for Q2 2026, 0.10 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 9.93% |
| Tier 1 risk-based capital ratio | 9.93% |
| Total risk-based capital ratio | 11.07% |
| Tier 1 leverage ratio | 9.85% |
| Equity capital to assets | 9.41% |
| Tangible equity to tangible assets | 9.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.41% |
| Non-performing assets ratio | 2.29% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 23.28% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 50.21% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.18% |
| Return on equity | 12.20% |
| Net interest margin | 4.44% |
| Efficiency ratio | 62.45% |
| Yield on earning assets | 6.88% |
| Cost of funds | 2.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.48% |
| Core deposits to total deposits | 70.98% |
| Brokered deposits to total deposits | 22.72% |
| Deposits to assets | 86.48% |
| Securities to assets | 8.68% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.07% | 10.07% | 11.14% | 9.97% | 1.04% |
| Q4 2023 | 10.29% | 10.29% | 11.33% | 10.17% | 1.05% |
| Q1 2024 | 10.01% | 10.01% | 11.16% | 9.11% | 0.68% |
| Q2 2024 | 10.13% | 10.13% | 11.27% | 9.30% | 0.99% |
| Q3 2024 | 10.30% | 10.30% | 11.50% | 9.45% | 0.67% |
| Q4 2024 | 10.43% | 10.43% | 11.67% | 9.43% | 0.83% |
| Q1 2025 | 10.12% | 10.12% | 11.37% | 9.56% | 0.75% |
| Q2 2025 | 9.85% | 9.85% | 10.95% | 9.57% | 1.26% |
| Q3 2025 | 9.55% | 9.55% | 10.66% | 9.41% | 1.06% |
| Q4 2025 | 10.38% | 10.38% | 11.49% | 10.20% | 1.30% |
| Q1 2026 | 10.52% | 10.52% | 11.70% | 9.98% | 0.68% |
| Q2 2026 | 9.93% | 9.93% | 11.07% | 9.85% | 1.18% |
Regent Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Regent Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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.
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