# REGENT BANK
TULSA, OK · FDIC certificate 4160 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $2.24B | |
| Deposits | $1.94B | |
| Loans and leases | $1.87B | |
| Total equity | $210.9M | |
| Loans / deposits | 95.32% (p75 of band) | 87.10% |
| Liquid assets / assets | 12.46% (p11 of band) | |
| Uninsured deposits / deposits | 28.55% (p43 of band) | 30.76% |
| Brokered deposits | 19.65% | |
| Wholesale funding | 22.70% (p91 of band) | |
| FHLB advances / assets | 3.05% | |
| Tier 1 leverage | 9.85% (p33 of band) | 10.50% |
| Unrealized securities loss / equity | -3.21% (p73 of band) | -7.75% |
| AOCI / equity | -0.25% (p53 of band) | |
| ROA (annualized) | 0.94% (p26 of band) | 1.26% |
| Net interest margin | 4.38% (p83 of band) | 3.70% |
| Efficiency ratio | 66.23% (p71 of band) | |
| Noncurrent loans | 2.51% (p94 of band) | 0.51% |
| Net charge-offs (annualized) | 0.05% (p62 of band) | |
| Reserve coverage of noncurrent | 48.24% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 137.38% (p96 of band) | |
| Auto loans | $2.0M (0.11% of loans; DQ 3.15%, NCO 0.00%) | |
| Loans to nondepository financials | $18.8M (9% of equity) (p86 of band) | |
| Deposits YoY | 18.2% | |
| Employees | 261 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 | loans exceed deposits |  |
| 2011-09 | 4 |  | charge-offs p90 |
| 2011-12 | 3 |  | brokered >10% |
| 2012-03 | 4 | capital falling, uninsured deposits leaving | loans exceed deposits |
| 2012-06 | 1 |  | wholesale funding >15%, capital falling, uninsured deposits leaving |
| 2012-09 | 3 | brokered >10%, wholesale funding >15% |  |
| 2012-12 | 1 |  | brokered >10%, wholesale funding >15% |
| 2013-03 | 4 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2013-06 | 3 |  | brokered >10% |
| 2013-09 | 3 | loans exceed deposits | capital falling |
| 2013-12 | 2 |  | loans exceed deposits |
| 2014-03 | 3 | brokered >10% |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 6 | loans exceed deposits, liquid assets <10%, charge-offs p90 |  |
| 2014-12 | 4 |  | brokered >10%, charge-offs p90 |
| 2015-03 | 5 | deposits shrinking |  |
| 2015-06 | 5 | brokered >10% | deposits shrinking |
| 2015-09 | 5 |  |  |
| 2015-12 | 6 | capital falling |  |
| 2016-03 | 4 |  | reserve under noncurrent, wholesale funding >15% |
| 2016-06 | 4 | reserve under noncurrent | loans exceed deposits |
| 2016-09 | 3 |  | reserve under noncurrent |
| 2016-12 | 2 | loans exceed deposits | brokered >10%, capital falling |
| 2017-03 | 2 | brokered >10% | loans exceed deposits |
| 2017-06 | 3 | wholesale funding >15% |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | charge-offs p90, reserve under noncurrent | liquid assets <10% |
| 2018-03 | 3 | loans exceed deposits | charge-offs p90, reserve under noncurrent |
| 2018-06 | 2 | liquid assets <10% | brokered >10%, wholesale funding >15% |
| 2018-09 | 2 | capital falling, charge-offs p90 | loans exceed deposits, liquid assets <10% |
| 2018-12 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10% | capital falling, charge-offs p90 |
| 2019-03 | 1 |  | loans exceed deposits, wholesale funding >15%, liquid assets <10% |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | loans exceed deposits, liquid assets <10% | brokered >10% |
| 2019-12 | 2 | wholesale funding >15% | liquid assets <10% |
| 2020-03 | 3 | liquid assets <10%, charge-offs p90 | wholesale funding >15% |
| 2020-06 | 3 | wholesale funding >15% | liquid assets <10% |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | capital falling |  |
| 2021-03 | 1 |  | loans exceed deposits, charge-offs p90, wholesale funding >15% |
| 2021-06 | 1 | charge-offs p90 | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | brokered >10% | charge-offs p90 |
| 2022-06 | 4 | loans exceed deposits, wholesale funding >15%, capital falling, construction >100% equity | brokered >10% |
| 2022-09 | 3 | noncurrent p90 | loans exceed deposits, wholesale funding >15% |
| 2022-12 | 3 | loans exceed deposits, wholesale funding >15% | capital falling, noncurrent p90 |
| 2023-03 | 4 | charge-offs p90 |  |
| 2023-06 | 3 | capital falling | loans exceed deposits, wholesale funding >15% |
| 2023-09 | 4 | loans exceed deposits, wholesale funding >15% | capital falling |
| 2023-12 | 3 | brokered >10% | charge-offs p90, loans exceed deposits |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 5 |  |  |
| 2025-06 | 6 | charge-offs p90 |  |
| 2025-09 | 5 |  | charge-offs p90 |
| 2025-12 | 5 |  |  |
| 2026-03 | 5 |  |  |
| 2026-06 | 6 | capital falling |  |

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

- 2026-09-07 [NSU and Regent Bank Amphitheater partner to give students real-world experience - KJRH](https://news.google.com/rss/articles/CBMimgFBVV95cUxQalNVdkx6bnlFUlI1R0VWMnpiS296UWxEZ3QydmpMQ3JxY3hBRy1HcTlkSlpOUEFLNS11b0tqck9Sb2ZEVllISm9VMTFTTE13dm1kRnZYZUEwQU0yc2U5dTA5TUM3NVIxTnhyT3E0ZHRfWUZQeDdtV1RaUm41ZTRnUkZjeXZGaGxBclVQLVdTMTNuOTliVTN1LXR3?oc=5) · KJRH
- 2026-09-03 [Regent Bank Amphitheater, NSU joining to further arts and education in Oklahoma - Broken Arrow Sentinel](https://news.google.com/rss/articles/CBMipAFBVV95cUxOMWg4OUVLRHNiX1h1aDFKSG1Od1pDN0ttcVc0X1FON0NZWEQtX1RsMnJsT0RrcWM2NmtYQWJJRl9EeWF4YmFUWF9tMk1tTk5ibVllQ2xVcEFpaXAxblhxaklrREZRbkpwR205Nm0tQ2ZBeThYbmZxZm96ZEs3bEZGRUR3UGxWYV9LLVJwTjE5NGlIU2R2T1BabFZKY1FYRFBOdW5reg?oc=5) · Broken Arrow Sentinel
- 2026-07-22 [VENU Taps Legends Global For Management At Regent Bank Amphitheater In Oklahoma - Pollstar News](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNSWJTV28wWkpDa2UxMjRBaTJCcXFqUEFTOGpuZmhGZGx3VDdVamdlTEJUd2ZxenVjVHdwOXhGcl9ESjd0RmMzSGtnajhPQURKZEFGQ1p3elJZdU1nZnEtVFk1SzR4Y05yMURucHQxYlF4b2k1SlNqbGNubnA1YXNxRWMxY09KU252VVIyMmVMMkxZT1NTMEZxd2xRT2k4VzI0Y3dhdlpSUEI1aGt0cmJRUXBuLW4yMHp3?oc=5) · Pollstar News
- 2026-09-03 [A planned Oklahoma amphitheater projects $4.3B in economic impact over 20 years - stocktitan.net](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQazQ3dTlZdlgwaU02b0pPR0VMUlRuUXlhVFljRTRCS1pUUEpEN3FoNW9fUzlDLVJ0OTU4Nk5YWGNjaHc4SjFmWnNUbmFnWUlQS0lKZ1l1a0FwSVM3SFllSlJKS0lDUlptTVpGbE90dWQ3WHFKempGZnhTRXhjVkc5cGh1Tks3RlhYbU9QWlQ1cndEV09RVkQ5dXlOdEp5VjhCamttZ1FUbEdLQXp0Nl80MnJTekR3UVc4bmRsb0I1ZjM?oc=5) · stocktitan.net
- 2026-07-22 [VENU Selects Legends Global to Lead Venue Management at Regent Bank Amphitheater in Oklahoma - Yahoo Finance](https://news.google.com/rss/articles/CBMiogFBVV95cUxNRTJjQ2M4anU0dnc2NllzSXhXdXJXbUt3WlQ2RjdrSDBFYkZoRnVhTzBsWHZadVpEVjlPUEd4ZVc5NXZ4TGRNdlNjUUNER281UElTZTQ5OTN2WEhMYVBzSG9qbmwxWklrTGFrTFNCdUIwWHNzUndKWExYUGFpeGJ2Q01sWU1hekg1UW05RFZ1TUZGSkRQSnJSNzlKV3RXZXRhMGc?oc=5) · Yahoo Finance
- 2026-09-03 [VENU's Regent Bank Amphitheater Joins Forces with Northeastern State University to Further Arts and Education in Oklahoma - Eagle-Tribune](https://news.google.com/rss/articles/CBMinwJBVV95cUxPTlJjX3hWd25qaUtxMEJKZUxuQUtDUHVIUGxKendDQ2p6bm82bGY5N3hNZ1pGUVQzLVB6dmtCMkJlOGFvSy1YdDFpaW51dVZjVFQ2VThsS2Npc1VEM2JtdE9kRFJFcDAwb3Jsa0lvQ2xxSFlwcVQzOHVIMGUxTmt3bHpob3pPX3R0Q2JJRXV4R1cxbnVNSXktSzJJSzM2TDJhaG95TUpEVkVzTWlXODVNcUVid2ZqTW11V2g0N1l6REh0bTlFNnJlTzRqLU5HTldaYTNkV3ptcE9iQ2t1SVZTazRXaEdQbGJROWJrblFtWllJckZiYm82QVIyQm5CbUFYQm85anJrZ0g0Nm5FYmZ6Z2h5NVVQczBmSE9tX29hVQ?oc=5) · Eagle-Tribune
- 2026-06-17 [VENU Announces Regent Bank as Official Naming Rights Partner of Its Premier Amphitheater in Broken Arrow, Oklahoma – Company Announcement - FT.com - Financial Times](https://news.google.com/rss/articles/CBMipgFBVV95cUxQRzRrb0JzbGJIYzN4clZxa3dmUkh5ZkNfaTRQZ29GSlBhVXlHbnN4VWhqWUNVX2xLWHkxVXhrZEdRdTJ5YUhhLWtHQXVkekJFRlhfbFFndEpiS0pqejFTNGN4UXZ5SFlKVy1NUWFKY1JDTUdacFBwX2hlMEZJTGNHcDNua3g3SzItNkwtYW1NcmJ3cHpvN21vWm9scDNIWUpyQlYxNFp3?oc=5) · Financial Times
- 2026-08-03 [VENU Secures $25 Million Debt Financing For Regent Bank Amphitheater - Pulse 2.0](https://news.google.com/rss/articles/CBMikAFBVV95cUxOQzZmYkVBNzNDLUkwSGowbW9zTmRfOFJiNUppeUdiWGRGRVFsV0xzaVBqT3RYdHBkMDJPMEdHMWRPZUJnb2kxdTQyRTVYM3N1Ylg2SlRtdmFKOVNjdXhlTndFNlpRTGJUTThOdThBcHNDQVFQbW5yaGxZQ2QzVGJkN1dFb0tNLTlIU2JTZXdQb0rSAZYBQVVfeXFMTWI5UkVkOXE5T2xfMDl1czkwOG1jeVBjazJ2Tm15YUNDejNmVjdxRDBNazNqajBiS2ZnRXA2NktwNWVsM2Ezc0JRNHRHdTRrX3pWSWk3c1pGVkI2allUWk9VcGFLcE9YNnlzY3hSa0dIYlM4Y3RvQ1dZS2w2UklEeWNlQUVaOEgtNVBXNzFKb3g5UnJGeXF3?oc=5) · Pulse 2.0

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4160 (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/0.json (key "4160", 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