1st Regents Bank

1777 Bunker Lake Boulevard Nw
Andover, MN 55304


2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57157
Date Established 2001
Assets $0.05 billion
Loans $0.03 billion
Deposits $0.05 billion
Capital $0.00 billion

1st Regents Bank is an FDIC insured institution located in Andover, MN. It was founded in 2001 and has approximately $0.05 billion in assets.

For a more detailed analysis of 1st Regents Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in 1st Regents Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial Loans.

Compared to other banks in Minnesota, 1st Regents Bank has a significantly higher percent of Small Business Loans, Construction and Development Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 9.10
Credit Card Loans 0.00
Consumer Auto Loans 0.10
Small Business Loans 37.00
Construction and Development Loans 13.37
Commercial Real Estate 51.28
Commercial and Industrial Loans 22.60
Farm Loans 0.00

Deposit Rates - December 17, 2018

Your Current Location: Virginia, VA 20146

There are currently no rates available for 1st Regents Bank, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - December 17, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for 1st Regents Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

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Featured - Virginia Home Equity Line Of Credit Rates 2018

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Note to 1st Regents Bank
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Financial Details

1st Regents Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 1st Regents Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
1st Regents Bank U.S. Bank Average
949.42% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2018, 1st Regents Bank had $4,698,000 in non-current loans and $2,641,000 in owned real estate. To cover these potential losses it had $341,000 in equity and $432,000 in loans loss reserves. That gives it a Texas Ratio of 949.42%.

Return on Equity
1st Regents Bank U.S. Bank Average
-122.62% 9.77%

1st Regents Bank has a Return on Equity of -122.62% versus the BestCashCow average of 9.77%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

1st Regents Bank U.S. Bank Average
0.69% 12.31%

1st Regents Bank has a Capitalization of 0.69% versus the BestCashCow average of 12.31. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

1st Regents Bank Balance Sheet Analysis

As of December 31, 2012, 1st Regents Bank had assets of $49,626,000, loans of $34,642,000, and deposits of $49,147,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2018
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.03 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
Total deposits $0.05 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

June 30, 2018
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About 1st Regents Bank

Branches and Savings

Is 1st Regents Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57157.

Why does 1st Regents Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are 1st Regents Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is 1st Regents Bank a commercial bank?


Where are 1st Regents Bank locations?

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Is 1st Regents Bank open on Saturdays?

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Are 1st Regents Bank ATMs Open 24/7?

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Will 1st Regents Bank notarize my document?

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Does 1st Regents Bank require US citizenship to open account?

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Does 1st Regents Bank Report to credit bureaus?

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Does 1st Regents Bank offer mortgages?

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Does 1st Regents Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does 1st Regents Bank offer personal loans?

Compare personal loan rates here.

Does 1st Regents Bank offer student loans?

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Background on The Bank

Who owns 1st Regents Bank?

How long has 1st Regents Bank been around?

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Does 1st Regents Bank have quick pay?

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Where is 1st Regents Bank headquarters?

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