Regent Bank: SBA Lending Record

Regent in SBA data

291 loans for FY2017 to FY2026 sit under Regent Bank. At Regent, they add up to $166.1 million in gross dollars approved. All 291 are SBA 7(a) loans, and Regent has 0 SBA 504 loans. Regent is recorded in Oklahoma. The 291 figures are SBA's records of Regent holdings. Nothing in them shows what Regent requires. SBA, not Regent, guarantees them. Each of the 291 sits under its latest holder.

Regent: asset classes

Regent has 191 loans in no named class, so Regent class views cover part of 291. Regent: fitness center leads, at 16; full-service restaurant at 15, dental office at 12. Last at Regent: liquor store at 11, limited-service restaurant at 10, then automotive mechanical repair at 6. Also at Regent: gas station and truck stop at 5; child care center at 5. The 191 unplaced loans are the largest block at Regent. Its class comparison of 291 rests on a minority.

Regent: geography

Missouri heads the Regent state table at 144 loans, then Oklahoma with 109 and Texas with 9. The Regent table continues through Kansas at 7. For Regent, home state Oklahoma shows 109 loans. The Regent spread shows whether the 291 holdings reach beyond Oklahoma.

Regent: loan outcomes

Cancellation floor for Regent over FY2017 to FY2024 approvals: 6.8%, among 291. Our own rule withholds the Regent charge-off rate. Regent's cohorts are too small. Regent ceiling: 6.8%, counting undisbursed loans as cancelled. Regent: floor and ceiling meet.

Regent: using the figures

Regent figures form a map of holdings. 291 loans show where Regent stands as holder. The 6.8% cancellation floor shows how Regent approvals fared. It forecasts no Regent request. A Regent project has demand and cost. A Regent borrower should name which of the 291 loans look like it. Differences matter to Regent as much as likenesses. 291 loans, plainly told, let Regent judge the study. A floor of 6.8% at Regent describes the past, not the future.

Regent: study tests

Preparing a request to Regent? Read 291 loans as background for Regent. Fitness center borrowers at Regent meet 16 loans, the closest comparison. Regent: the study tests membership depth. Regent needs equipment cost tested too. Show Regent coverage in a slow year too. Regent needs an appraisal that supports it. Regent offers just 191 unplaced loans for an unnamed type. Regent's study makes the case. Regent holds 144 loans in Missouri. Elsewhere, Regent holdings need a reason. At Regent, a cancellation floor of 6.8% means approval is not funding. The Regent study should allow for delay.