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Regent Bank

IDRSSD: 309655
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2024-Q4QoQ -4

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #309655 2024-Q4 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.7% (Adjusted NPL + Performing Mods denominator).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.32% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -6

The five pillars

Liquidity

StableQoQ -9
67
Sub-score

Liquidity is stable: brokered 16.8%, loans/deposits 90.4%, cash 4.9% of assets.

Cash / Assets
4.92%
Loans / Deposits
90.43%
Brokered %
16.80%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.43%
No watch items at this period.

Capitalization

StableQoQ +1
60
Sub-score

Capital position is stable: Tier 1 RBC 10.43%, CET1 10.43%, leverage 9.41%.

Tier 1 RBC
10.43%
CET1
10.43%
Leverage
9.41%
No watch items at this period.

Asset Quality

StrongQoQ -6
81
Sub-score

Asset quality is strong: Adjusted NPL 2.32%, Texas Ratio 17.6%, NCO YTD 0.24%.

Adjusted NPL
2.32%
Govt-guarantees stripped
Texas Ratio
17.6%
NCO YTD
0.24%
30-89 PD
0.37%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.32% (govt-guarantees stripped).

Reserves

RiskQoQ -6
38
Sub-score

Reserves are weak: ALLL 1.32% of loans, coverage 57.6%, true coverage 49.7%.

ALLL / Loans
1.32%
Coverage
57.6%
True Loss Coverage
49.7%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.7% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 16:32:32 UTC