Tulsa, OK · Cert 4160 · Regent Capital Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
17
Asset Quality
28
Profitability
43
Liquidity
48
Efficiency
30
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.
Tulsa, OK · Cert 4160 · Regent Capital Corp.
State charter, non-member · FDIC · 1 affiliate bank · 7 branches (10 in holding)
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 3.4% share · #8 of 59 inst. · $1.3B of $39.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.80% | 0.75% | 0.99% | 1.01% | 1.08% | 0.69% | 0.94% | -5 bps | |
| Return on Equity | 8.73% | 8.85% | 8.09% | 10.89% | 11.11% | 11.69% | 6.98% | 9.65% | -124 bps | |
| Net Interest Margin | 3.28% | 3.27% | 3.62% | 3.81% | 3.80% | 3.80% | 3.98% | 4.04% | +23 bps | |
| Efficiency Ratio | 66.15% | 65.91% | 69.03% | 62.57% | 62.72% | 61.54% | 70.44% | 66.23% | +366 bps | |
| Non-Interest Burden | 1.94% | 1.94% | 2.35% | 2.16% | 2.19% | 2.14% | 2.68% | 2.53% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.44% | 9.72% | 5.39% | 17.06% | 13.87% | 17.37% | 16.98% | 18.21% | +115 bps | |
| Loan Growth (YoY) | 19.01% | 14.99% | 15.72% | 16.83% | 20.21% | 20.52% | 16.73% | 21.91% | +508 bps | |
| Deposit Growth (YoY) | 49.15% | 12.64% | 3.29% | 12.79% | 6.22% | 14.74% | 17.76% | 18.21% | +542 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.72% | 2.29% | 2.07% | 2.29% | 2.71% | 2.29% | 2.74% | 2.51% | +21 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.14% | 0.05% | 0.45% | 0.28% | 0.27% | 0.04% | 0.05% | -40 bps | |
| Allowance / Loans | 1.30% | 1.32% | 1.32% | 1.15% | 1.18% | 1.18% | 1.25% | 1.21% | +6 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.6x | 0.6x | 0.5x | 0.4x | 0.5x | 0.5x | 0.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.45% | 9.43% | 9.56% | 9.57% | 9.41% | 10.20% | 9.98% | 9.85% | +29 bps | |
| Total Risk-Based Capital | 11.50% | 11.67% | 11.37% | 10.95% | 10.66% | 11.49% | 11.70% | 11.07% | +12 bps | |
| Equity / Assets | 9.11% | 9.39% | 9.15% | 8.84% | 8.94% | 9.95% | 9.87% | 9.41% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.76% | 91.64% | 94.82% | 93.55% | 100.45% | 96.26% | 93.99% | 96.48% | +293 bps | |
| Liquid Assets / Assets | 7.33% | 4.03% | 4.68% | 4.58% | 2.75% | 1.56% | 3.73% | 3.21% | -137 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 480% | 449% | 444% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.88% | 0.93% | 1.26% | 1.54% | Beats 20% | 141 / 176 | ||
| Return on Equity | 9.32% | 9.26% | 11.89% | 14.46% | Beats 26% | 131 / 176 | ||
| Net Interest Margin | 4.04% | 3.25% | 3.59% | 3.93% | Beats 82% | 31 / 176 | ||
| Efficiency Ratio | 66.23% | 52.79% | 59.55% | 67.66% | Beats 30% | 125 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.51% | 0.30% | 0.64% | 1.32% | Beats 4% | 170 / 176 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.10% | Beats 51% | 88 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.93% | 11.15% | 12.72% | 14.15% | Beats 6% | 165 / 176 | ||
| Total Risk-Based Capital Ratio | 11.07% | 11.81% | 13.63% | 15.33% | Beats 15% | 150 / 176 | ||
| Equity / Assets | 9.41% | 9.16% | 10.35% | 11.80% | Beats 30% | 123 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.48% | 80.94% | 89.73% | 97.21% | 74th pctl | 46 / 176 | ||
| Loans / Assets | 83.44% | 69.25% | 75.12% | 80.82% | 88th pctl | 22 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||