BlastPoint's Banking Scorecard
Regent Bank
Community
Specialty: Commercial
OK
FDIC cert 4160
Tulsa, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
Regent Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.69% above tier
- - Nonperforming Asset Ratio 1.76% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+17.4% YoY
+1.4% QoQ
|
+$580.2M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$1.6B
+20.7% YoY
+2.3% QoQ
|
+$668.7M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$1.7B
+14.7% YoY
+6.7% QoQ
|
+$563.7M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
1.08%
+34.6% YoY
+7.4% QoQ
|
-0.08% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
4.16%
+16.9% YoY
+2.2% QoQ
|
+0.49% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
61.54%
-6.6% YoY
-1.9% QoQ
|
-1.09% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
2.32%
-0.1% YoY
-15.3% QoQ
|
+1.69% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
95.13%
+5.2% YoY
-4.2% QoQ
|
+12.07% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
21.55%
+9.8% YoY
-1.8% QoQ
|
+0.51% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
2.25%
+19.8% YoY
-0.4% QoQ
|
+1.76% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? |
10.39%
-0.4% YoY
+8.8% QoQ
|
+0.14% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.48%
-23.4% YoY
+32.4% QoQ
|
-0.26% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 8%
in Community
Why this stands out
Current:
2.32%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
2.25%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
84
84th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
76
76th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.66%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.55% · Tier avg: 21.05%
52
52th pctile
Efficiency Ratio
Current: 61.54% · Tier avg: 62.63%
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
46
46th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.16%
32
32th pctile
Tier 1 Capital Ratio
Current: 10.39% · Tier avg: 10.24%
23
23th pctile
Loan-to-Deposit Ratio
Current: 95.13% · Tier avg: 83.06%
8
8th pctile
Delinquency Rate
Current: 2.32% · Tier avg: 0.63%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.25% · Tier avg: 0.50%
Top Weaknesses
5
5th pctile
Nonperforming Asset Ratio
Current: 2.25% · Tier avg: 0.50%
8
8th pctile
Delinquency Rate
Current: 2.32% · Tier avg: 0.63%
23
23th pctile
Loan-to-Deposit Ratio
Current: 95.13% · Tier avg: 83.06%
32
32th pctile
Tier 1 Capital Ratio
Current: 10.39% · Tier avg: 10.24%
46
46th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.16%
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
52
52th pctile
Efficiency Ratio
Current: 61.54% · Tier avg: 62.63%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.55% · Tier avg: 21.05%
76
76th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.66%
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
84
84th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M