BlastPoint's Banking Scorecard
Regent Bank
Designations: ✓ Community bank
Tulsa, OK
7 branches across OK · MO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in OK.
- Deposits +18.2% year over year ($1.9B on the books).
- Delinquency rate 2.54%.
- Return on assets 0.94%.
- Efficiency ratio 66.23% vs a 59.73% peer average.
- Loan-to-deposit ratio 95.32% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Regent Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.51% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.67% above tier average
- - Nonperforming Asset Ratio 1.70% above tier average
- - ROA 0.45% below tier average
- - Efficiency Ratio 6.50% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+18.2% YoY
+8.1% QoQ
|
-$551.8M |
$2.8B
-0.6% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
55% |
| Total Loans ? |
$1.8B
+21.8% YoY
+10.0% QoQ
|
-$115.5M |
$2.0B
-0.3% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
63% |
| Total Deposits ? |
$1.9B
+18.2% YoY
+7.1% QoQ
|
-$380.4M |
$2.3B
-0.5% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
58% |
| Return on Assets ? |
0.94%
-5.5% YoY
+35.7% QoQ
|
-0.45% |
1.39%
+17.0% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
26% |
| Net Interest Margin ? |
4.38%
+9.9% YoY
+2.2% QoQ
|
+0.51% |
3.87%
+6.2% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
83% |
| Efficiency Ratio ? |
66.23%
+5.8% YoY
-6.0% QoQ
|
+6.50% |
59.73%
-12.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
29% |
| Delinquency Rate ? |
2.54%
+9.4% YoY
-8.7% QoQ
|
+1.67% |
0.87%
+11.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Bottom 6.3% in tier |
| Loan-to-Deposit Ratio ? |
95.32%
+3.1% YoY
+2.7% QoQ
|
+10.28% |
85.04%
-0.1% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
21.37%
+0.8% YoY
+1.5% QoQ
|
+0.09% |
21.27%
-1.5% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
58% |
| Nonperforming Asset Ratio ? |
2.37%
+24.8% YoY
-9.2% QoQ
|
+1.70% |
0.67%
+11.7% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 4.9% in tier |
| Tier 1 Capital Ratio ? |
9.93%
+0.7% YoY
-5.6% QoQ
|
-4.92% |
14.84%
-0.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 5.3% in tier |
| Non-Interest Income / Assets ? |
0.20%
-24.2% YoY
+102.8% QoQ
|
-0.32% |
0.53%
+2.5% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
32% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.4%
+0.2pp YoY +0.3pp QoQ |
0.0pp | 21.4% | 23.9% | 22.2% | 57% |
| Brokered Deposits |
22.7%
+1.3pp YoY -0.1pp QoQ |
+13.3pp | 9.5% | 9.7% | 8.5% | 90% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
19.7%
-2.3pp YoY -0.3pp QoQ |
+5.7pp | 14.0% | 15.7% | 12.5% | 80% |
| CRE |
54.3%
+3.9pp YoY +0.1pp QoQ |
+4.2pp | 50.0% | 42.0% | 41.4% | 63% |
| 1-4 Family |
14.6%
-1.5pp YoY -1.0pp QoQ |
-11.9pp | 26.4% | 24.0% | 31.3% | 29% |
| Consumer |
2.2%
-0.1pp YoY +0.3pp QoQ |
-2.5pp | 4.7% | 5.6% | 5.0% | 67% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
9.9%
+0.1pp YoY -0.6pp QoQ |
-5.7pp | 15.6% | 17.0% | 19.7% | 1% |
| Leverage Ratio |
9.9%
+0.3pp YoY -0.1pp QoQ |
-1.5pp | 11.3% | 11.7% | 12.6% | 32% |
| Total Capital Ratio |
11.1%
+0.1pp YoY -0.6pp QoQ |
-5.6pp | 16.7% | 18.2% | 20.8% | 1% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
261
+23 (+9.7%) YoY +12 (+4.8%) QoQ |
-53 | 313 | 150 | 482 | 58% |
| Assets per Employee ($) |
$8.6M
+7.8% YoY +3.2% QoQ |
-$1.9M | $10.5M | $6.5M | $8.8M | 49% |
| Branch Count |
7
+1 (+16.7%) YoY +1 (+16.7%) QoQ |
-13 | 20 | 8 | 18 | 17% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
+0.1pp YoY +0.1pp QoQ |
0.0pp | 0.2% | 0.9% | 0.4% | 79% |
| Nonaccrual |
2.4%
+0.1pp YoY -0.3pp QoQ |
+1.6pp | 0.8% | 1.5% | 1.0% | 95% |
| Allowance Coverage |
0.48x
-4.0% YoY +5.8% QoQ |
-18.23x | 18.71x | 61.99x | 20.23x | 6% |
| Net Charge-off Rate (YTD) |
0.1%
-0.4pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.2% | 57% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.7%
-1.2pp YoY +2.7pp QoQ |
-2.9pp | 12.6% | 11.9% | 11.6% | 30% |
| Cost of Funds (YTD) |
2.5%
-0.4pp YoY 0.0pp QoQ |
+0.6pp | 1.9% | 1.8% | 1.7% | 84% |
| Net Income ($, YTD) |
$9.8M
+11.1% YoY — QoQ |
-$9.4M | $19.2M | $8.7M | $40.4M | 38% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.