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Regent Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
62
/ 100
StableAs of 2025-Q3QoQ -2

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

Quarterly Headline

2025-Q3

Bank #309655 2025-Q3 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 43.3% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 43.5% (regulatory soft-warning level 50%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.74% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ -7
56
Sub-score

Liquidity is deteriorating: brokered 21.0%, loans/deposits 99.3%, cash 3.3% of assets.

Cash / Assets
3.29%
Loans / Deposits
99.27%
Brokered %
20.98%
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
0.39%
No watch items at this period.

Capitalization

WatchQoQ -4
50
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.55%, CET1 9.55%, leverage 9.39%.

Tier 1 RBC
9.55%
CET1
9.55%
Leverage
9.39%
No watch items at this period.

Asset Quality

StableQoQ 0
75
Sub-score

Asset quality is stable: Adjusted NPL 2.74%, Texas Ratio 22.7%, NCO YTD 0.00%.

Adjusted NPL
2.74%
Govt-guarantees stripped
Texas Ratio
22.7%
NCO YTD
0.00%
30-89 PD
0.79%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.74% (govt-guarantees stripped).

Reserves

RiskQoQ -1
29
Sub-score

Reserves are weak: ALLL 1.18% of loans, coverage 43.5%, true coverage 43.3%.

ALLL / Loans
1.18%
Coverage
43.5%
True Loss Coverage
43.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 43.5% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.3% (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