# REGAL BANK&TRUST
OWINGS MILLS, MD · FDIC certificate 32370 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $135.7M | |
| Deposits | $104.4M | |
| Loans and leases | $98.0M | |
| Total equity | $13.1M | |
| Loans / deposits | 92.75% (p83 of band) | 73.61% |
| Liquid assets / assets | 21.80% (p27 of band) | |
| Uninsured deposits / deposits | 7.36% (p21 of band) | 13.65% |
| Brokered deposits | 9.36% | |
| Wholesale funding | 22.33% (p97 of band) | |
| FHLB advances / assets | 12.97% | |
| Tier 1 leverage | 9.96% (p37 of band) | 10.70% |
| Unrealized securities loss / equity | -2.91% (p3 of band) | 0.86% |
| AOCI / equity | 0.92% (p83 of band) | |
| ROA (annualized) | 0.10% (p8 of band) | 0.84% |
| Net interest margin | 3.89% (p65 of band) | 3.64% |
| Efficiency ratio | 97.22% (p92 of band) | |
| Noncurrent loans | 0.47% (p40 of band) | 0.69% |
| Net charge-offs (annualized) | -0.07% (p6 of band) | |
| Reserve coverage of noncurrent | 255.36% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 45.83% (p79 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.5% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | brokered >10%, wholesale funding >15%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 7 |  | construction >100% equity |
| 2011-09 | 8 | leverage <7%, capital falling | noncurrent p90 |
| 2011-12 | 8 |  |  |
| 2012-03 | 5 | noncurrent p90, deposits shrinking | losing money, expense ratio p90, charge-offs p90, leverage <7%, capital falling |
| 2012-06 | 5 | assets shrinking | noncurrent p90 |
| 2012-09 | 5 |  |  |
| 2012-12 | 6 | expense ratio p90 |  |
| 2013-03 | 7 | losing money |  |
| 2013-06 | 4 |  | brokered >10%, expense ratio p90, losing money |
| 2013-09 | 3 |  | reserve under noncurrent |
| 2013-12 | 5 | expense ratio p90, reserve under noncurrent |  |
| 2014-03 | 4 |  | expense ratio p90 |
| 2014-06 | 3 |  | assets shrinking |
| 2014-09 | 4 | assets shrinking |  |
| 2014-12 | 3 |  | assets shrinking |
| 2015-03 | 1 |  | deposits shrinking, reserve under noncurrent |
| 2015-06 | 2 | assets shrinking |  |
| 2015-09 | 3 | expense ratio p90, deposits shrinking | assets shrinking |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32370 (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/50.json (key "32370", 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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