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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2025-Q4QoQ +3

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

Quarterly Headline

2025-Q4

Bank #309655 2025-Q4 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.0% (Adjusted NPL + Performing Mods denominator).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.19% of assets (threshold 3%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.32% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +11
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +2

The five pillars

Liquidity

WatchQoQ -1
55
Sub-score

Liquidity is deteriorating: brokered 22.3%, loans/deposits 95.1%, cash 2.2% of assets.

Cash / Assets
2.19%
Loans / Deposits
95.13%
Brokered %
22.32%

Watch Items

  • infoCash / Assets below 3% — Cash 2.19% of assets (threshold 3%).

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

StableQoQ +11
62
Sub-score

Capital position is stable: Tier 1 RBC 10.38%, CET1 10.38%, leverage 10.18%.

Tier 1 RBC
10.38%
CET1
10.38%
Leverage
10.18%
No watch items at this period.

Asset Quality

StableQoQ +1
76
Sub-score

Asset quality is stable: Adjusted NPL 2.32%, Texas Ratio 17.6%, NCO YTD 0.25%.

Adjusted NPL
2.32%
Govt-guarantees stripped
Texas Ratio
17.6%
NCO YTD
0.25%
30-89 PD
1.10%
Band 0.3% / 3.0%
90+ PD
0.17%
Band 0.1% / 2.0%

Watch Items

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

Reserves

RiskQoQ +2
31
Sub-score

Reserves are weak: ALLL 1.18% of loans, coverage 51.3%, true coverage 48.0%.

ALLL / Loans
1.18%
Coverage
51.3%
True Loss Coverage
48.0%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.0% (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