# REGAL FINANCIAL BANK
SEATTLE, WA · FDIC certificate 57236 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $95.3M | |
| Deposits | $83.7M | |
| Loans and leases | $78.9M | |
| Total equity | $11.2M | |
| Loans / deposits | 92.20% (p86 of band) | 71.36% |
| Liquid assets / assets | 15.67% (p11 of band) | |
| Uninsured deposits / deposits | 10.18% (p38 of band) | 12.72% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.50% (p64 of band) | 10.52% |
| Unrealized securities loss / equity | -1.02% (p22 of band) | 0.17% |
| AOCI / equity | 0.37% (p34 of band) | |
| ROA (annualized) | 0.34% (p20 of band) | 0.81% |
| Net interest margin | 3.72% (p54 of band) | 3.65% |
| Efficiency ratio | 93.13% (p87 of band) | |
| Noncurrent loans | 6.46% (p97 of band) | 0.86% |
| Net charge-offs (annualized) | -0.07% (p6 of band) | |
| Reserve coverage of noncurrent | 35.34% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 36.84% (p73 of band) | |
| Auto loans | $109,000 (0.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.5% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

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

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

- 2014-07-14 [Northwest Bank to merge with Seattle's Regal Financial Bank - The Business Journals](https://news.google.com/rss/articles/CBMijwFBVV95cUxQRGZCaWhQY09vRHgzcVhxR3JqcTZjNVVETzJlaWhBdG9NaGpMbXhfV0trRmMtcWZVeTBJVThCOXhZOUtQX05vZnd3WkYyc1NlOC1hTlROd0dfTFlULXpvVlZQVVZDRFV4MGkwOHlMR2dUZXNJdzFEUW50RjZLbFVNZHZSdUdZWVdIbUVoYTNsOA?oc=5) · The Business Journals
- 2014-10-29 [Boise bank deposits dip - Idaho Business Review](https://news.google.com/rss/articles/CBMidkFVX3lxTE9IZVUydUdaLU93OWhIMWdsWHJWQXJkX1R4LWZKN281dEdtQjdhRlFjeHFJVWlmaU1TNmlON2RLVEVsc0xxbndobXY1VWtWalhiWnQwcjNjZGljUjJPa2pHVUk1czlVQkdIWXpTX0ROUmFHTnlRSVE?oc=5) · Idaho Business Review
- 2023-10-26 [Tam vs. Felleman: A clash of visions for the Port of Seattle - Northwest Asian Weekly](https://news.google.com/rss/articles/CBMimAFBVV95cUxOQmJRVFlwNUhydng0X0pRRWF5Y1QtR1JNeGVpY1B6dy0ySlVfVXhpbF96bzhuc0Y2OG8yYzNZUExXMHN1TzVvbDhFM202Ql9hdHRZWDZoc0lITGlybVVyb0xxWDluaTdmTEhmLW1PNWQ5SUxmcmo3b2hTNVRTUGFTT1h5X3FXMS0xb3lha0JSQUx6bFVZWnJ6MA?oc=5) · Northwest Asian Weekly
- 2021-02-23 [Serial entrepreneur Rodger May never stops - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNMVB5d0daMTk4TGFNUTlyTmZiSjRNMTBkWGV1RmJCRHZCNUIzcmVDUHVRMW9udDVjejhGTi1ZdUFxM3RoQ3FMaUd5cDJDR1c0N1F5UmV5LWx6WnMyRjEtcGI4amRYakZrU0RqRTlTeHE5N1FlZnRRYXlyZG5uY3pMWFR1d3VDR2s5X2pyRngxLXVQUFBOZDE5QXpBNkJ0d2lQT2ZrRDYtbWI?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57236 (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/20.json (key "57236", 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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