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Regent Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2025-Q1QoQ 0

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

Quarterly Headline

2025-Q1

Bank #309655 2025-Q1 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.10% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -1
66
Sub-score

Liquidity is stable: brokered 17.9%, loans/deposits 93.6%, cash 5.5% of assets.

Cash / Assets
5.51%
Loans / Deposits
93.57%
Brokered %
17.95%
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
0.42%
No watch items at this period.

Capitalization

WatchQoQ -3
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.12%, CET1 10.12%, leverage 9.54%.

Tier 1 RBC
10.12%
CET1
10.12%
Leverage
9.54%
No watch items at this period.

Asset Quality

StrongQoQ +1
83
Sub-score

Asset quality is strong: Adjusted NPL 2.10%, Texas Ratio 16.5%, NCO YTD 0.05%.

Adjusted NPL
2.10%
Govt-guarantees stripped
Texas Ratio
16.5%
NCO YTD
0.05%
30-89 PD
0.69%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.10% (govt-guarantees stripped).

Reserves

WatchQoQ +2
40
Sub-score

Reserves are deteriorating: ALLL 1.32% of loans, coverage 63.7%, true coverage 51.0%.

ALLL / Loans
1.32%
Coverage
63.7%
True Loss Coverage
51.0%
No watch items at this period.

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