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
Unfavorable gap of $54.3M · efficiency ratio beats 30% of banks $1B-$10B in assets operating regionally | 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 |