Call reports 2025
REGENT BANK — 2025
What REGENT BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,772,002,000 | 1,896,162,000 | 1,945,151,000 | 1,971,682,000 |
| Total loans | 1,457,411,000 | 1,534,117,000 | 1,626,509,000 | 1,663,701,000 |
| Allowance for loan losses | 19,240,000 | 17,654,000 | 19,160,000 | 19,552,000 |
| Securities available for sale | 163,534,000 | 196,716,000 | 187,705,000 | 183,627,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,536,950,000 | 1,639,901,000 | 1,619,211,000 | 1,728,339,000 |
| Interest-bearing deposits | 1,223,090,000 | 1,292,276,000 | 1,264,026,000 | 1,355,857,000 |
| Noninterest-bearing deposits | 313,860,000 | 347,625,000 | 355,185,000 | 372,482,000 |
| Equity capital | 162,087,000 | 167,573,000 | 173,913,000 | 196,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 28,223,000 | 58,139,000 | 89,863,000 | 122,288,000 |
| Interest expense | 12,651,000 | 24,334,000 | 36,933,000 | 49,125,000 |
| Net interest income | 15,572,000 | 33,805,000 | 52,930,000 | 73,163,000 |
| Noninterest income | 1,990,000 | 5,114,000 | 7,075,000 | 9,498,000 |
| Noninterest expense | 12,123,000 | 24,353,000 | 37,633,000 | 50,871,000 |
| Provision for loan losses | 1,200,000 | 2,900,000 | 4,400,000 | 5,800,000 |
| Pretax income | 4,239,000 | 11,666,000 | 17,972,000 | 25,890,000 |
| Income tax | 1,006,000 | 2,819,000 | 4,199,000 | 5,843,000 |
| Net income | 3,233,000 | 8,847,000 | 13,773,000 | 20,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 164,213,000 | 169,936,000 | 174,969,000 | 196,471,000 |
| Total capital | 184,493,000 | 188,865,000 | 195,404,000 | 217,398,000 |
| Risk-weighted assets | 1,622,183,000 | 1,724,451,000 | 1,832,632,000 | 1,891,871,000 |