# REGENT BANK
GREENVILLE, SC · FDIC certificate 58873 · asset band <$300M · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $54.2M | |
| Deposits | $46.2M | |
| Loans and leases | $42.7M | |
| Total equity | $7.8M | |
| Loans / deposits | 91.52% (p88 of band) | 71.39% |
| Liquid assets / assets | 14.84% (p8 of band) | |
| Uninsured deposits / deposits | 9.45% (p58 of band) | 8.02% |
| Brokered deposits | 13.44% | |
| Wholesale funding | 13.44% (p88 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.14% (p81 of band) | 9.99% |
| Unrealized securities loss / equity | 12.83% (p88 of band) | 3.72% |
| AOCI / equity | 0.08% (p25 of band) | |
| ROA (annualized) | -0.64% (p10 of band) | 0.72% |
| Net interest margin | 3.77% (p44 of band) | 3.86% |
| Efficiency ratio | 119.41% (p95 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.48% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 85% | |
| Construction % of loans | 59.24% (p83 of band) | |
| Auto loans | $10,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 11 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, losing money, expense ratio p90 |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |

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

- 2026-09-03 [VENU's Regent Bank Amphitheater Joins Forces with Northeastern State University to Further Arts and Education in Oklahoma - New Castle News](https://news.google.com/rss/articles/CBMiqAJBVV95cUxOaVJKeHA1c245bHlGMlZwbDEzeG9XNmpUN3Q5OWpxTEZXankyZWM5TVIzbVMwREM5dkk0LXM3ZTJLc3RBTUNxVnlhTWVqSHFEVHFhMTE5bUFLZ3JnUUtjUUVFajNjTTJnVmc0U0dVaVZPRkgxV3pTTklsc0k1Ml9xRlNyQk92VU45WnEtbXZOWmt3cXdCbHAtQnRjU1lyeGwyVkpnSExoV1prcGVjSGNxekROTWF6dkM1Q0xwcFhZdDJ4bkpNQ2Y0ajB4RWQ3X3RqRWtvUFZ3bTJiaVlScFEtOEJkMGxXSk5iTjdOMjJHMVlQVkZlY1UtcTBWZUM0QU0tOXp2aC1Ma1JwSEh2NHJfTUYtTjlGVWlqZU9HcE9YZEpJLXQ5V3Zfdg?oc=5) · New Castle News
- 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
- 2026-07-27 [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
- 2022-02-01 [The Southern Bank Announces New Executive Leadership Team - Nasdaq](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNajVJS3JkOVdHTjdHOEt1NjhRMHlyakZyaEZnUE8wMnhobWZmQU02cjBfRlF5VWlXZDFYbXVvRHBCYWdZdEpSVEJmeEN1MkFoU0hJQzFZMmFxTHRyQU91VFJ5OTM5T2duZkR3QkFzbjNCa052N0N0MUlYZmU2T1BjaGxRRzk4eWVzWGtJTnJ1YUN2bzBCdGdSRElxdFp0Sk9DNExLWjV5Mlc?oc=5) · Nasdaq
- 2024-07-18 [Waltz launches streamlined financing option for international homebuyers - HousingWire](https://news.google.com/rss/articles/CBMirwFBVV95cUxOZFpneEpVSFV5eVBYRmpZOEQ2TTM0ZVIxdmpid05BX1dVelZTUXVVTXVidEcxcHkzdS1BNVJGVjVvMnNMcE55dFpmSFROZVF5ajZ6RW1KaFVkSzN0X3VfeVF0WHZQSW5IelBZZ3pRSFZCaTU3OXN4MnMzVTh3RzVaV2xpQkFvWUppN1ZkWERlX3dQRHZuTXdNbHc0NTRKME1wbmRmZUxVQXl0b0M1YmRj?oc=5) · HousingWire
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2017-10-02 [Regent Bank to issue $12 million in common stock - journalrecord.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQVFBMR0FudEhxY2JEaUpYR1dzLUhKWHJkcERHWjVUTHpnTWd2TlJCQUMwMldTQldvWDFTbHprbTN6QnZ1c0NORnYzaVJFcFZUOXBINl9oc1EyOGhBWVNwMkptd1gxYkF4aktDODQ1NkhRWVhOUDhMQVNPR01NdFMwdFRINUl5STY3X0hrTkZ3?oc=5) · journalrecord.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58873 (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/57.json (key "58873", 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