Regent Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Regent Bank (FDIC Cert #4160) registers 74/100 on DLRadar's scale — a elevated reading. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Its lending reaches counties such as Oklahoma County, OK, Tulsa County, OK, Greene County, MO, Nowata County, OK, each tied back to DLRadar's distress signals. Regent Bank runs a compact, regionally concentrated real-estate lending footprint — 4 U.S. counties across 2 states, spanning 128 ZIP codes. The deepest footprints are Oklahoma (3 counties), Missouri (1 county). Rather than a standalone rating, the elevated score is tied to real markets — every one of the 128 ZIP codes Regent Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Read against its 4-county reach, a elevated score sets the credit tone for every market on its map. Regent Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Because Regent Bank is held under Regent Capital Corp, its financials are open to scrutiny and its trend can be independently checked. The Regent Bank score updates as fresh FDIC call reports post each quarter, so its 74/100 reading and 4-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Regent Bank is directly comparable to any lender in the country.

The acquisition angle is simple — lending capacity is what moves deals. As Regent Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.