| Metric | Regent Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.2% | +5.5% | +12.7 pts |
| Deposit growth (YoY) | +18.2% | +5.1% | +13.2 pts |
| Loan growth (YoY) | +21.8% | +5.9% | +15.9 pts |
| ROA | 0.94% | 1.26% | -0.3 pts |
| ROE | 9.7% | 12.2% | -2.5 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.24B | $1.94B | $1.85B | $210.9M | $9.8M | 0.94% | 4.38% | 2.37% |
| Q1 2026 | $2.07B | $1.81B | $1.68B | $204.6M | $3.5M | 0.69% | 4.28% | 2.61% |
| Q4 2025 | $1.97B | $1.73B | $1.64B | $196.1M | $20.0M | 1.08% | 4.16% | 2.25% |
| Q3 2025 | $1.95B | $1.62B | $1.61B | $173.9M | $13.8M | 1.01% | 4.07% | 2.26% |
| Q2 2025 | $1.90B | $1.64B | $1.52B | $167.6M | $8.8M | 0.99% | 3.99% | 1.90% |
| Q1 2025 | $1.77B | $1.54B | $1.44B | $162.1M | $3.2M | 0.75% | 3.80% | 1.72% |
| Q4 2024 | $1.68B | $1.51B | $1.36B | $157.8M | $13.2M | 0.80% | 3.56% | 1.88% |
| Q3 2024 | $1.71B | $1.52B | $1.34B | $155.5M | $9.6M | 0.79% | 3.49% | 1.36% |
Loan mix (Q2 2026): real estate $1.37B · commercial $363.2M · consumer $40.8M · securities $194.6M
| Ratio | Regent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 1.26% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 12.2% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 59.0% | 71th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Regent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Regent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Regent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Regent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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