# REGENT BANK
DAVIE, FL · FDIC certificate 26713 · asset band $300M-1B · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $359.5M | |
| Deposits | $306.5M | |
| Loans and leases | $289.3M | |
| Total equity | $40.4M | |
| Loans / deposits | 92.06% (p69 of band) | 83.96% |
| Liquid assets / assets | 11.69% (p11 of band) | |
| Uninsured deposits / deposits | 29.88% (p78 of band) | 19.94% |
| Brokered deposits | 3.47% | |
| Wholesale funding | 4.86% (p42 of band) | |
| FHLB advances / assets | 1.39% | |
| Tier 1 leverage | 11.22% (p70 of band) | 10.13% |
| Unrealized securities loss / equity | 0.33% (p15 of band) | 2.47% |
| AOCI / equity | 0.46% (p28 of band) | |
| ROA (annualized) | 1.04% (p60 of band) | 0.92% |
| Net interest margin | 4.30% (p87 of band) | 3.59% |
| Efficiency ratio | 96.88% (p98 of band) | |
| Noncurrent loans | 2.64% (p93 of band) | 0.67% |
| Net charge-offs (annualized) | -0.03% (p13 of band) | |
| Reserve coverage of noncurrent | 93.05% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 73.00% (p79 of band) | |
| Auto loans | $9,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $4.3M (11% of equity) (p95 of band) | |
| Deposits YoY | 2.2% | |
| Employees | 84 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, reserve under noncurrent |  |
| 2011-06 | 3 | losing money |  |
| 2011-09 | 5 | capital falling, expense ratio p90, charge-offs p90 | brokered >10% |
| 2011-12 | 5 | liquid assets <10% | capital falling |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | expense ratio p90, charge-offs p90, liquid assets <10% |
| 2012-06 | 5 | noncurrent p90 | uninsured deposits leaving |
| 2012-09 | 5 | expense ratio p90 | assets shrinking |
| 2012-12 | 4 | charge-offs p90 | deposits shrinking, noncurrent p90 |
| 2013-03 | 2 |  | losing money, charge-offs p90 |
| 2013-06 | 6 | losing money, noncurrent p90, deposits shrinking, assets shrinking |  |
| 2013-09 | 6 |  |  |
| 2013-12 | 8 | leverage <7%, charge-offs p90 |  |
| 2014-03 | 5 |  | losing money, leverage <7%, charge-offs p90 |
| 2014-06 | 6 | charge-offs p90 |  |
| 2014-09 | 6 |  |  |
| 2014-12 | 4 |  | deposits shrinking, assets shrinking |
| 2015-03 | 4 | deposits shrinking | charge-offs p90 |
| 2015-06 | 4 |  |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 3 |  | deposits shrinking |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-03 [NSU, Regent Bank Amphitheater announce student partnership in Broken Arrow - News On 6](https://news.google.com/rss/articles/CBMingFBVV95cUxQYTVPR2YwTGtDNDUza0tlNFdESU1NZG95MHc2WnJkUU9tZUV6UUo5MXIwanBxNGFPMHl5YjRrUUxIWEd2YVdVOWNxekx6Y3FOQ1Y2NV84a1d6QXVmM29odUdwM3E1RXBjWVI5TWs5dVN0N1pEbEVZTi1qQ09FelZWMlYyOXhVYy1mVTRaaXVlWVZZV2w1VUhYVTBRemxMUQ?oc=5) · News On 6
- 2026-08-18 [DLP Bank Makes Inc. 5000 for Third Straight Year - citybiz](https://news.google.com/rss/articles/CBMijwFBVV95cUxOb1kyd2xYRlpJQk80SWFCam5LUTNrd2sxa3F4bnNlVVlQT0xYNFYyVzUzTW11WnVfYUR5SEJhb3Nnb2JBTl9mSFRfM1l2dnFjNjhqQ2NpQ3dya21ONF9IQ1FUZVY0SktOVmtOMFBNdExQSkpnVF9HNnV0UHhsVl9ZVnJMdjQ2d3N6WHN2eW05MA?oc=5) · citybiz
- 2026-08-18 [DLP Bank Named to Inc. 5000 List of Fastest-Growing Companies for Third Consecutive Year - GlobeNewswire](https://news.google.com/rss/articles/CBMi8AFBVV95cUxPSDE0bXlvajc4MjVYaVhqMVdiem9zSjBkM2t1c3QyNU9Jd3ZUV0FlRDVJRHMybmh1Q2RRdkc5NExTMFB4Ym5YUXVlM0ZyWjRkVzdfMzNzcHByR1pacjdnU1hBTDRzcUJibGpBU0JSTThHUlN3QmlnQm03Y1lJellKZFYzNTlSMWlFb2VKZm0xRmRwREdtNzktc0pNblFGMGtwZTNVaHRiRDJna2cxLU42UkdqRENPZnlYYWFEd2NMZFI4R19RaUZjWGhGblBVQUJQM21ZRVdCbGZMWmhZdjhyb0E0dnR5T1MwY3VXU1NWSFU?oc=5) · GlobeNewswire
- 2026-07-24 [Name of Broken Arrow amphitheater announced at reveal event - tulsaworld.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNdHV5RWZpdW9HQ0J5amNJUmo1MEpkeW1LblMtQV96LUZfcEpMZmllRGxBT3cyY1BKaVNFRDVQeEIwTzEzM0llQW5SaThRa3Rhc3lGRGpwMl9ScTdxWWlrUTdEWENtT0VLX2VLdXhkVUVwd2tPSFZfUUlzY2JUUVppUVlWbm01TGx5S0N3?oc=5) · tulsaworld.com
- 2026-08-18 [DLP Bank Makes Inc. 5000 for Third Consecutive Year - citybiz](https://news.google.com/rss/articles/CBMikwFBVV95cUxPaFUyUWJDNVJNU0o4ZGhhOGR6Vk15Qm5kb2JDcXFVOE1XU0JacjNHOUMwT0k1eUI5WWh6bDIwME8zWUx1akx5akpJbG9pRUNJVjZ0aUdkR0tpNmdrcUlXcWp6dlpwUlpOLXQwTUJEa1pyVEFvYXJhTVgyZlFrVmMwY3ZVb0R4dUxYQUptRHpxX00yaFU?oc=5) · citybiz
- 2025-04-25 [Regent Bank enters merger deal - Springfield Business Journal](https://news.google.com/rss/articles/CBMibEFVX3lxTE9TaDBBNW9BakFQS1BEYnJScExlUW5fMWdhNEFsbWlGXzFBVmV6LVBROVFoWTVrWHZrc1pBRDdtSHRxVnVWN05HTWhLbTduRmlTajNfNlAyQ2FJOEFnMWZBV1FoaWtJYWstYXkyTg?oc=5) · Springfield Business Journal
- 2026-07-27 [Regent Bank Amphitheater in Broken Arrow announces venue operator - tulsaworld.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxPUUV2MFB3bTJDSWpPVmVVR21TdUYwQ2d2SGVLUzM2Z043ZFFHVXdra3J6U24xTWRwdHdjYXJKMkEwZ2hpNFI0M3lyNDM1anQ4VVAzSy01clFDUzNBTGU0a0JHZWtTN0F4cm1CX21zazBmam5qOFQyWnJvYjlmY3lpMnZwN0tSX0ZBS2ZEcnAtd3RnT0xuTmdJZjd3UW80ZFlLTnFlZUxR?oc=5) · tulsaworld.com
- 2025-04-25 [Regent Capital signs merger deal with DLP Bancshares - journalrecord.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPSTdZdzRxRzhSRkdKWnNwRV9GOVNlekt2M0tvT0tRa2c0YlRSNlNfdUNPUHI5amw4bmhxNkM3c3RWYWdfUkd5NUJ3RHlkQl9GOG5JdU9FQlc5MWxFRjU4VVdDeU9DV3BZdVlBOVhQNU80QzZqXzNjdFJCQzVRbndMa2R0SGYyUQ?oc=5) · journalrecord.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26713 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "26713", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide