Regal Financial Bank

Regal Financial Bank Locations
P.O. Box 21485
Seattle, WA 98111-3485
1-800-888-1955
www.regalfinancialbank.com
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.

Related Posts

2.75% Savings Account at Regal Financial Bank in Washington State - 5/3/2009

Update 5/09/09: The savings account rate has fallen to 2.50% APY. Please check the bank's website for the latest rates.Regal Financial Bank is offering a savings account called Emerald Savings with a rate of 2.75% APY for balances of $2,500 to $250,000....

4.00% 12-Month CD at Regal Financial Bank - Nationally Available - 2/25/2009

Update 3/02/09: The promotion page now states that the offer is open to Washington State residents only.Regal Financial Bank is offering a special 12-month CD with a 4.00% APY. Minimum deposit is $2,500, and the maximum is $250,000. To qualify for this...



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See Rates for: Checking | Savings | CD | IRA

Regal Financial Bank Checking Account Rates

ApyMinMaxProduct
0.50%--Business Advantage
0.20%--Regal Advantage Plus

Regal Financial Bank Savings Account Rates

ApyMinMaxProduct
0.78%$100k-Regal Smart Investor
0.78%$100k-Business Smart Investor
0.50%--Celebration Savings
0.50%--Business Celebration Savings

Regal Financial Bank CD Rates

ApyMinMaxProduct
1.40%$1k$100k32 Month CD
1.25%$1k$100k24 Month CD
0.90%$100k-12 Month CD
0.70%$100k-9 Month CD
0.60%$100k-6 Month CD
0.40%$100k-3 Month CD

Regal Financial Bank IRA Rates

ApyMinMaxProduct
1.00%$1k-12 Month IRA
1.00%$1k-12 Month Roth IRA

Rates updated: 2/11/2012

Data for Q3 2011


Institution Statistics


Regal Financial Bank
FDIC Certificate #57236
BankRate ReportView
Year Established2002
Employees18
Primary RegulatorFDIC

Assets and Liabilities

Assets$107.01 million
Loans$71.52 million
Deposits$101.07 million
Equity Capital$5.29 million
Loan Loss Allowance$2.34 million
Unbacked Noncurrent Loans$5.02 million
Real Estate Owned$5.05 million

Historic Data - September 2010

Assets$123.69 million
Equity Capital$5.03 million
Loan Loss Allowance$5.64 million
Unbacked Noncurrent Loans$9.01 million
Real Estate Owned$7.10 million

Profit Margin - Quarterly

Net Interest Margin3.44%
Return on Assets-2.7%
Return on Equity-61.35%
Interest Income$3.51 million

Institution Health


Overall Score:
1 out of 5
1
Texas Ratio1
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Regal Financial Bank had $10.06 million in non-current loans and owned real-estate with $7.63 million in equity and loan loss allowances on hand to cover it. This gives Regal Financial Bank a Texas Ratio of 131.80% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Regal Financial Bank held steady from 150.92% as of September 30, 2010 to 131.80% as of September 30, 2011, resulting in a positive change of 12.67%.This indicates that the balance sheet and financial strength for Regal Financial Bank has held steady in recent periods.
Deposit Growth1
In the past year, Regal Financial Bank has decreased its total deposits by -$16.73 million, resulting in -14.2% 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 poor.
Capitalization2
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 $107.01 million in assets with $7.63 million in equity, resulting in a capitalization level of 7.13%, which is below average.
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