PackageTrendsPeer
Letter portraitLegal landscape

Regent Bank

Tulsa, OK · Cert 4160 · Regent Capital Corp.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

17

Q2 2024Q2 2026peer median (50)

Asset Quality

28

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

48

Q2 2024Q2 2026peer median

Efficiency

30

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Regent Bank

Tulsa, OK · Cert 4160 · Regent Capital Corp.

State charter, non-member · FDIC · 1 affiliate bank · 7 branches (10 in holding)

Q2 2026

$2.2BAssets
$1.9BLoans
$1.9BDeposits
$210.9MEquity
Loan mix
78%RE $1.3B20%C&I $0.3B2%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $1.5B21%Noninterest $0.4BQ2 2025Q2 2026

NIM

6.43%Q2 ’246.53%Q2 ’256.32%Q2 ’26+20%+6%

Non-interest income vs. expense

2.52%Q2 ’242.74%Q2 ’252.95%Q2 ’26+18%+17%

Market Position · Tulsa, OK · 2026 SOD (annual) · 3.4% share · #8 of 59 inst. · $1.3B of $39.3B

3.8% Tulsa
0.8% Oklahoma
1.2% Greene
49.6% Nowata

Executive Summary

  • Earnings: ROA of 0.94%, down 5 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 2.51% of loans (+21 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 9.85%, up 29 bps from a year ago.
  • Funding: loans stand at 96.48% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.94%-5 bps YoY

Net Interest Margin (YTD, annualized)

4.04%+23 bps YoY

Efficiency Ratio (YTD, annualized)

66.23%+366 bps YoY

Tier 1 Leverage Ratio

9.85%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%1.01%1.08%0.69%0.94%-5 bps
Return on Equity10.89%11.11%11.69%6.98%9.65%-124 bps
Net Interest Margin3.81%3.80%3.80%3.98%4.04%+23 bps
Efficiency Ratio62.57%62.72%61.54%70.44%66.23%+366 bps
Non-Interest Burden2.16%2.19%2.14%2.68%2.53%+36 bps
Growth
Asset Growth (YoY)17.06%13.87%17.37%16.98%18.21%+115 bps
Loan Growth (YoY)16.83%20.21%20.52%16.73%21.91%+508 bps
Deposit Growth (YoY)12.79%6.22%14.74%17.76%18.21%+542 bps
Asset Quality
Nonperforming Loans / Loans2.29%2.71%2.29%2.74%2.51%+21 bps
Net Charge-Offs / Loans0.45%0.28%0.27%0.04%0.05%-40 bps
Allowance / Loans1.15%1.18%1.18%1.25%1.21%+6 bps
Allowance Coverage of NPLs0.5x0.4x0.5x0.5x0.5x0.0x
Capital
Tier 1 Leverage Ratio9.57%9.41%10.20%9.98%9.85%+29 bps
Total Risk-Based Capital10.95%10.66%11.49%11.70%11.07%+12 bps
Equity / Assets8.84%8.94%9.95%9.87%9.41%+57 bps
Liquidity & Funding
Loans / Deposits93.55%100.45%96.26%93.99%96.48%+293 bps
Liquid Assets / Assets4.58%2.75%1.56%3.73%3.21%-137 bps
CRE / Total Capitaln/a480%449%444%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Regent Bank

Tulsa, OK · Cert 4160 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Regent Capital Corp.

State charter, non-member · FDIC · 1 affiliate bank · 7 branches (10 in holding)

Q2 2026

$2.2BAssets
$1.9BLoans
$1.9BDeposits
$210.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 82% of banks $1B-$10B in assets operating regionally (rank 31 of 176).
  • Widest gap: nonperforming loans / loans trails 96% of banks $1B-$10B in assets operating regionally (rank 170 of 176).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.88%

Rank 141 of 176

Net Interest Margin

4.04%

Rank 31 of 176

Efficiency Ratio

66.23%

Rank 125 of 176

Equity / Assets

9.41%

Rank 123 of 176

Non-interest income vs. expense

$9.2M$63.5MINCOMEEXPENSE
Unfavorable gap of $54.3M · efficiency ratio beats 30% of banks $1B-$10B in assets operating regionally
Bank 66.23%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.88%0.93%1.26%1.54%Beats 20%141 / 176
Return on Equity9.32%9.26%11.89%14.46%Beats 26%131 / 176
Net Interest Margin4.04%3.25%3.59%3.93%Beats 82%31 / 176
Efficiency Ratio66.23%52.79%59.55%67.66%Beats 30%125 / 176
Asset Quality
Nonperforming Loans / Loans2.51%0.30%0.64%1.32%Beats 4%170 / 176
Net Charge-Offs / Loans0.03%0.01%0.04%0.10%Beats 51%88 / 176
Capital
Tier 1 Capital Ratio9.93%11.15%12.72%14.15%Beats 6%165 / 176
Total Risk-Based Capital Ratio11.07%11.81%13.63%15.33%Beats 15%150 / 176
Equity / Assets9.41%9.16%10.35%11.80%Beats 30%123 / 176
Liquidity & Funding
Loans / Deposits96.48%80.94%89.73%97.21%74th pctl46 / 176
Loans / Assets83.44%69.25%75.12%80.82%88th pctl22 / 176
Brokered Deposits / Depositsn/aNot reported for this institution