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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.84% | 0.75% | 1.22% | 1.03% | 1.28% | 0.69% | 1.17% | -5 bps | |
| Return on Equity | 7.29% | 9.11% | 8.09% | 13.62% | 11.54% | 13.57% | 6.98% | 12.20% | -142 bps | |
| Net Interest Margin | 3.52% | 3.50% | 3.62% | 4.11% | 4.12% | 4.20% | 3.98% | 4.26% | +16 bps | |
| Efficiency Ratio | 67.15% | 65.24% | 69.03% | 57.26% | 62.98% | 58.43% | 70.44% | 62.49% | +522 bps | |
| Non-Interest Burden | 2.16% | 2.09% | 2.35% | 2.05% | 2.43% | 2.24% | 2.68% | 2.49% | +44 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 | 0.22% | 0.24% | 0.05% | 0.86% | 0.00% | 0.24% | 0.04% | 0.07% | -79 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 | |