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Regent Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2026-Q1QoQ +1

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

Quarterly Headline

2026-Q1

Bank #309655 2026-Q1 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 45.4% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 45.6% (regulatory soft-warning level 50%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.78% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +5
61
Sub-score

Liquidity is stable: brokered 22.9%, loans/deposits 92.8%, cash 4.3% of assets.

Cash / Assets
4.25%
Loans / Deposits
92.81%
Brokered %
22.86%
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
0.37%
No watch items at this period.

Capitalization

StableQoQ +2
63
Sub-score

Capital position is stable: Tier 1 RBC 10.52%, CET1 10.52%, leverage 9.96%.

Tier 1 RBC
10.52%
CET1
10.52%
Leverage
9.96%
No watch items at this period.

Asset Quality

StableQoQ -1
75
Sub-score

Asset quality is stable: Adjusted NPL 2.78%, Texas Ratio 20.6%, NCO YTD 0.04%.

Adjusted NPL
2.78%
Govt-guarantees stripped
Texas Ratio
20.6%
NCO YTD
0.04%
30-89 PD
0.84%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.78% (govt-guarantees stripped).

Reserves

RiskQoQ +1
32
Sub-score

Reserves are weak: ALLL 1.25% of loans, coverage 45.6%, true coverage 45.4%.

ALLL / Loans
1.25%
Coverage
45.6%
True Loss Coverage
45.4%

Watch Items

  • infoALLL / NPL below 50% — Coverage 45.6% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.4% (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