# REGENTS BANK NATIONAL ASSN
LA JOLLA, CA · FDIC certificate 57177 · asset band $300M-1B · latest filing 2013-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $587.5M | |
| Deposits | $505.6M | |
| Loans and leases | $428.5M | |
| Total equity | $79.4M | |
| Loans / deposits | 84.21% (p68 of band) | 76.35% |
| Liquid assets / assets | 22.36% (p30 of band) | |
| Uninsured deposits / deposits | 34.04% (p89 of band) | 16.95% |
| Brokered deposits | 4.00% | |
| Wholesale funding | 4.00% (p41 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.10% (p55 of band) | 9.87% |
| Unrealized securities loss / equity | -1.76% (p33 of band) | -0.27% |
| AOCI / equity | -1.36% (p69 of band) | |
| ROA (annualized) | 0.33% (p13 of band) | 0.82% |
| Net interest margin | 4.73% (p95 of band) | 3.54% |
| Efficiency ratio | 76.66% (p68 of band) | |
| Noncurrent loans | 2.13% (p67 of band) | 1.37% |
| Net charge-offs (annualized) | 0.10% (p55 of band) | |
| Reserve coverage of noncurrent | 29.89% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 25.39% (p43 of band) | |
| Auto loans | $66,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 65.0% | |
| Employees | 89 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |

## 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=57177 (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 "57177", 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.

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