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Overview / Commentary
800-888-1955
925 Fourth Avenue, Suite 100
Seattle, WA 98104

Headquartered in the heart of downtown Seattle, Regal Financial Bank is a community bank that understands the value of customer relationships; a bank carefully organized to serve the business community with professionalism and personalized service.

Their efforts are focused on providing commercial and private banking relationships to small and mid-sized companies, business owners, and professionals.

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Special 11-Month CD Rate at Regal Financial Bank in WA - 10/30/2013

Regal Financial Bank has just started to offer a good deal on a special 11-month CD. It has a 1.11% APY with a minimum deposit of $25,000. Maximum deposit is just under $250,000. New money is required ...



Reviews (1)

Lack Of Service

Poor customer service, unfriendly staff who don't seem to care about your business.



Health

Data for Q2 2014

Institution Health

C+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Regal Financial Bank has a relatively low asset base.

Texas Ratio

GRADE:
C-

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Regal Financial Bank had $7.94 million in non-current loans and owned real-estate with $13.13 million in equity and loan loss allowances on hand to cover it. This gives Regal Financial Bank a Texas Ratio of 60.47% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Regal Financial Bank experienced no significant changes from 55.04% as of June 30, 2013 to 60.47% as of June 30, 2014, resulting in a negative change of 9.85%. This indicates that the balance sheet and financial strength for Regal Financial Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
C

In the past year, Regal Financial Bank has decreased its total deposits by $-912,000, resulting in -1.04% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Regal Financial Bank has shown is average.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Regal Financial Bank has $98.14 million in assets with $13.13 million in equity, resulting in a capitalization level of 13.38%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #57236
Year Established2002
Employees22
Primary RegulatorFDIC
Assets and Liabilities
Assets$98.14 million
Loans$76.64 million
Deposits$86.44 million
Equity Capital$11.32 million
Loan Loss Allowance$1.81 million
Unbacked Noncurrent Loans$5.22 million
Real Estate Owned$2.72 million
Historic Data - June 2013
Assets$100.51 million
Equity Capital$12.75 million
Loan Loss Allowance$1.94 million
Unbacked Noncurrent Loans$5.22 million
Real Estate Owned$1.25 million
Profit Margin - Quarterly
Return on Assets0.68%
Return on Equity6.12%
Interest Income$1.99 million
Rates
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Always verify rates and promotions with the bank or credit union. We are not Regal Financial Bank, we are a rate comparison website and can not provide official rates or promotions.

Regal Financial Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.45%$100k-Regal Smart Investor
0.45%$100k-Business Smart Investor
0.25%--Celebration Savings
0.25%--Business Savings

Regal Financial Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.25%--Regal Business Interest Checking
0.10%--Regal Advantage Plus

Regal Financial Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.01%$1k$100k32 Month CD
1.01%$1k$100kBusiness 32 Month CD
0.80%$1k-12 Month CD
0.80%$1k$100k24 Month CD
0.80%$1k-Business 12 Month CD
0.80%$1k$100kBusiness 24 Month CD
0.30%$100k-6 Month CD
0.30%$100k-9 Month CD
0.30%$100k-Business 6 Month CD
0.30%$100k-Business 9 Month CD
0.25%$100k-3 Month CD
0.25%$100k-Business 3 Month CD

Regal Financial Bank IRA Rates

DetailsAPYMINMAXPRODUCT
0.65%$1k-12 Month IRA
Locations


Regal Financial Bank Locations
Regal Financial Bank925 Fourth Avenue, Suite 100Seattle, WA 98104