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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 1.01% | 1.08% | 0.69% | 0.94% | -5 bps | |
| Return on Equity | 10.89% | 11.11% | 11.69% | 6.98% | 9.65% | -124 bps | |
| Net Interest Margin | 3.81% | 3.80% | 3.80% | 3.98% | 4.04% | +23 bps | |
| Efficiency Ratio | 62.57% | 62.72% | 61.54% | 70.44% | 66.23% | +366 bps | |
| Non-Interest Burden | 2.16% | 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 / Loans | 2.29% | 2.71% | 2.29% | 2.74% | 2.51% | +21 bps | |
| Net Charge-Offs / Loans | 0.45% | 0.28% | 0.27% | 0.04% | 0.05% | -40 bps | |
| Allowance / Loans | 1.15% | 1.18% | 1.18% | 1.25% | 1.21% | +6 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.4x | 0.5x | 0.5x | 0.5x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.57% | 9.41% | 10.20% | 9.98% | 9.85% | +29 bps | |
| Total Risk-Based Capital | 10.95% | 10.66% | 11.49% | 11.70% | 11.07% | +12 bps | |
| Equity / Assets | 8.84% | 8.94% | 9.95% | 9.87% | 9.41% | +57 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.55% | 100.45% | 96.26% | 93.99% | 96.48% | +293 bps | |
| Liquid Assets / Assets | 4.58% | 2.75% | 1.56% | 3.73% | 3.21% | -137 bps | |
| CRE / Total Capital | n/a | 480% | 449% | 444% | n/a | n/a | |