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Overview / Commentary
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.


Data for Q1 2014

Institution Health

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


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 March 31, 2014 Regal Financial Bank had $8.53 million in non-current loans and owned real-estate with $12.75 million in equity and loan loss allowances on hand to cover it. This gives Regal Financial Bank a Texas Ratio of 66.89% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Regal Financial Bank increased slightly from 49.25% as of March 31, 2013 to 66.89% as of March 31, 2014, resulting in a negative change of 35.82%. This indicates that the balance sheet and financial strength for Regal Financial Bank has declined slightly in recent periods.

Deposit Growth


In the past year, Regal Financial Bank has increased its total deposits by $4.91 million, resulting in 5.96% 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 excellent.



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 $98.64 million in assets with $12.75 million in equity, resulting in a capitalization level of 12.93%, which is excellent.

Institution Statistics

FDIC Certificate #57236
Year Established2002
Primary RegulatorFDIC
Assets and Liabilities
Assets$98.64 million
Loans$73.30 million
Deposits$87.32 million
Equity Capital$10.96 million
Loan Loss Allowance$1.79 million
Unbacked Noncurrent Loans$5.81 million
Real Estate Owned$2.72 million
Historic Data - March 2013
Assets$96.49 million
Equity Capital$13.64 million
Loan Loss Allowance$2.31 million
Unbacked Noncurrent Loans$5.81 million
Real Estate Owned$217,000
Profit Margin - Quarterly
Net Interest Margin3.64%
Return on Assets0.03%
Return on Equity0.29%
Interest Income$993,000
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Regal Financial Bank Savings Account Rates

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

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

Regal Financial Bank CD Rates

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

0.65%$1k-12 Month IRA

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