What Regent Bank does

Regent Bank is a privately held community bank founded in 1898 in Nowata, Oklahoma, now headquartered in Tulsa. The bank operates seven market locations across Oklahoma (Nowata, Tulsa, Oklahoma City, Edmond, Broken Arrow), Missouri (Springfield), and Texas (Dallas), serving small and mid-sized businesses with credit needs under $20 million, high net worth individuals, healthcare professionals, agricultural operators, and faith-based and community organizations. Following its 2008 acquisition by Regent Capital Corporation, the bank has grown from $72 million in total assets to over $1.5 billion by 2024, with loans expanding from $45 million to over $873 million. The bank is widely held by approximately 200 regional shareholders including local business owners and executives, and in April 2025 Regent Capital Corporation announced a strategic merger with DLP Bancshares.

Regent Bank operates through a core platform of business and personal deposit accounts (checking, savings, money market, CDs), commercial and SBA lending, residential mortgage origination (Regent Mortgage), and treasury services including ACH/wire processing, Positive Pay fraud detection, remote deposit capture, online bill pay, payroll cards, and merchant services. It differentiates via six specialized divisions — Agricultural Banking, Cannabis Banking, Healthcare Private Banking, Hispanic-Owned Business Banking, Non-Profit Banking, and Tech Banking — each with dedicated leadership and tailored products. SBA Preferred Lender Status (granted 2019) enables expedited SBA loan processing. The technology stack consists of online banking and native iOS/Android mobile apps with biometric authentication, transaction alerts, and mobile deposit; sub-brands include Regent Insurance and Regent Private Wealth. No public APIs or AI/ML capabilities are disclosed.

Regent Bank generates revenue primarily through net interest income on its loan portfolio (commercial, SBA, agricultural, mortgage, consumer) net of deposit interest expense, supplemented by transaction-based fees including $18 overdraft fees, wire transfer fees ($16 domestic, $45 international), treasury services fees, and merchant services revenue. The go-to-market model is sales-led and relationship-driven, with decentralized local market autonomy (each market has a Market President) layered on top of centralized product, technology, and compliance functions. Distribution occurs through physical branches, digital channels, and industry-specific divisions. The bank has raised $12 million in equity from regional shareholders (2017) and $20 million in subordinated debt (2021) to fund growth, and has won multiple industry awards including ICBA Central U.S. Community Banker of the Year (2018) and Inc. Best Places to Work (2023).

Name

Regent Bank

Legal name

REGENT BANK

Website

https://regent.bank

Company type

Private

Founded year

1898

Operating status

Operating

Headcount range

101–250 employees

Short description

Regent Bank is a privately held Oklahoma-based community bank serving small and mid-sized businesses, healthcare professionals, agricultural operators, and niche verticals across seven markets in Oklahoma, Missouri, and Texas via relationship-driven banking, SBA lending, treasury services, and six specialized industry divisions.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

SME Commercial Real Estate (CRE) Lending (FSABABAG), SBA/Government-Backed & Development Finance Loans (FSAKAGAI), Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Community banking services
• Commercial lending
• Treasury management
• Sba loan programs
• Mortgage lending

Headquarters

HQ city

Tulsa

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income: Interest earned on loans including commercial lending, SBA loans, agricultural loans, mortgage loans, and consumer loans. Interest paid on deposits including checking, savings, money market, and CDs.
2. Fee Income: Various banking fees including overdraft fees ($18), wire transfer fees, account research fees, check printing, and business bill pay. Also includes merchant services fees and treasury services fees.
3. Treasury Services: Business banking services including ACH processing, payroll cards, merchant services, and cash management solutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels10 records

Core offering

Regent Bank is a community bank providing deposit accounts, commercial and consumer loans, SBA lending, mortgage financing, and treasury management services to businesses and individuals across Oklahoma and Missouri. The bank operates six specialized divisions serving healthcare, agricultural, cannabis, Hispanic-owned, non-profit, and technology-sector clients with tailored financial products. Treasury services, insurance (Regent Insurance), and wealth management (Regent Private Wealth) complement the core banking offering through affiliated brands.

Product overview

Regent Bank is a community bank offering a unified portfolio of traditional banking products and specialized division services. The core offering consists of business and personal deposit accounts (checking, savings, CDs), lending products (commercial, SBA, mortgage, personal), and digital banking platforms. Treasury Services functions as an integrated cash management module encompassing payables (ACH, wires, bill pay, payroll cards), receivables (lockbox, remote deposit), fraud mitigation (Positive Pay), and merchant services. The bank differentiates through six specialized divisions—Agricultural Banking, Cannabis Banking, Healthcare Private Banking, Hispanic-Owned Business Banking, Non-Profit Banking, and Tech Banking—each targeting specific industry niches with tailored financial products. Supplementary offerings include insurance (Regent Insurance), wealth management (Regent Private Wealth), and educational content (Regent Elevate, Faith in Business, Executive Luncheon Series).

Differentiator

Problem solved

Functional benefit

Products and services

• Business Checking Business deposit account offering transaction processing with fee structures based on transaction volume and balance tiers, including Simple Business Checking, Analyzed Business Checking, and Non-Profit Checking options.
• Business CDs Certificate of deposit accounts for businesses with fixed interest rates and flexible term options for short and long-term savings goals.
• Business Credit Cards Credit card products designed to support businesses of all sizes with flexibility, security, and rewards.
• Savings & Money Market Savings and money market deposit accounts for businesses and individuals with tiered interest rates and liquidity options.
• SBA Loans Small Business Administration loan programs including SBA Preferred Lender status for expedited processing of 7(a) and other SBA guaranteed loans. Regent Bank was a top 5 Oklahoma SBA lender in 2018.
• Commercial Lending Commercial and business lending solutions including term loans, lines of credit, and commercial real estate financing with over $12 million single entity lending limit.
• Treasury Services Comprehensive cash management suite including payables (ACH, wires, bill pay, payroll cards), receivables (lockbox, remote deposit capture), information management, fraud mitigation (Positive Pay), and merchant services for business customers.
• Online Banking Digital banking platform for account management, transactions, and financial oversight via web browser at open.regent.bank.
• Mobile Banking Smartphone and tablet banking application available on iOS and Android with biometric authentication, transaction alerts, and mobile deposit capabilities.
• Personal Checking Personal deposit account for everyday banking with check writing, debit card access, and direct deposit capabilities.
• Personal CDs and IRAs Certificate of deposit and Individual Retirement Account products for personal savings with fixed-rate terms.
• Personal Credit Cards Credit card products for personal use with various reward and rate structures.
• Personal Lending Consumer lending products including personal loans, auto loans, and other credit facilities for individuals.
• Mortgage Residential mortgage origination and lending through Regent Mortgage division, including purchase and refinance loans, construction lending, and doctor mortgage programs.
• Agricultural Banking Division Specialized banking services for the agricultural sector including crop and livestock loans, equipment financing, and farm management financial planning.
• Cannabis Banking Division Banking services for cannabis businesses with flat-rate fee systems, compliance consulting, and secure transparent transaction processing.
• Healthcare Private Banking Specialized banking for healthcare professionals including medical practice loans, doctor mortgage programs, specialized account management, and private banking services for doctors, dentists, veterinarians, and optometrists.
• Hispanic-Owned Business Banking Division Banking services for Hispanic entrepreneurs with bilingual services, business mentoring, and specialized financial products.
• Non-Profit Banking Division Banking services tailored for charitable organizations with specialized checking options, access to private banking specialists, and event resources.
• Tech Banking Division Specialized banking for tech startups, founders, and venture capital firms offering capital access, expert mentorship, investor connections, and tech ecosystem integration.
• Regent Insurance Insurance products and services offered through Regent Insurance for commercial and personal coverage.
• Regent Private Wealth Wealth management and private banking services for high net worth individuals.
• Government Shutdown Relief Loan Program Loan program for federal employees affected by government shutdowns offering low-interest bridge financing with 0% APR for initial three months, up to 2x verified net paycheck (maximum $10,000), and minimum credit score of 640.

Quantifiable outcome

• Grew from $72 million in assets (2008) to over $1 billion today
• +3 more outcomes

Named customers3 records

Segments8 records

Ideal customer profiles9 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Venu Holding CorporationcoreGTM or Marketing Partner · 17 June 2026Regent Bank secured naming rights to Venu's amphitheater in Broken Arrow, Oklahoma. The venue will be called Regent Bank Amphitheater with a 12,500-capacity and Fall 2026 opening. Multi-million dollar partnership represents strategic branding alliance. Deal facilitated by Connect Partnership Group.
• Educational Development CorporationminorChannel Partner/ Reseller/ Distributor · 11 March 2026Established $2 million revolving credit agreement. EDC transitioning treasury services to Regent Bank with expectations of increased borrowing capacity and reduced interest rates compared to previous lender.
• TU Center for Innovation and EntrepreneurshipcoreStrategic or Co-development PartnerPartnership with Tulsa University's Center for Innovation and Entrepreneurship to support tech ecosystem growth and startup development.

Scale indicators7 records

Recent moves10 records

Expansion highlights6 records

Direct peers

• BancFirst Corporation: Oklahoma-headquartered community bank holding company (NASDAQ: BANF) with similar commercial banking focus on SMBs and a comparable regional footprint. Most directly comparable Oklahoma-based community bank of similar scale and customer base.
• SpiritBank: Tulsa, Oklahoma-based community bank focused on commercial lending, treasury services, and relationship banking for local businesses. Highly comparable in geography, customer segmentation, and product mix, and a direct competitor in the Tulsa SMB market.
• Arvest Bank: Regional community bank operating across Oklahoma, Arkansas, and Missouri—the same geographic corridor as Regent. Similar SMB-focused commercial banking model and comparable size make Arvest one of Regent's closest direct competitors.
• INTRUST Bank: Wichita, Kansas-based community bank of comparable size and similar relationship-driven, SMB-focused commercial banking model. Comparable in scale, structure (private, employee-owned), and product breadth, making it a strong size-and-strategy comparable.
• Simmons Bank: Arkansas-headquartered regional community bank operating across the central U.S. with strong commercial and SMB banking focus. Comparable in geographic corridor, customer base, and product mix, though somewhat larger than Regent.
• Veritex Community Bank: Texas-based community bank (NASDAQ: VBTX) with a similar relationship-driven commercial banking model and recent growth trajectory through de novo expansion and acquisitions. Directly comparable in growth profile and Texas/regional expansion strategy.

Broad incumbents

• BOK Financial: Tulsa-headquartered regional financial holding company (NASDAQ: BOKF) and the dominant commercial bank in Oklahoma. Much larger than Regent and offers a full suite of commercial, wealth, and capital markets services; competes with Regent in the Tulsa SMB and middle-market segments.
• Cadence Bank: Mid-size regional bank with significant commercial and SMB banking presence across the South and Midwest. Operates at greater scale than Regent but competes in overlapping geographies and shares the relationship-driven community banking orientation.
• Frost Bank: Texas-based regional bank known for relationship-driven commercial banking, private banking, and SMB services. Operates at much greater scale but exemplifies the regional/community bank playbook Regent is pursuing as it expands into Texas.

Emerging players

• Mercury: Digital banking platform purpose-built for tech startups and venture-backed companies. Competitor specifically to Regent Bank's Tech Banking division, offering a digital-native alternative that could erode Regent's position with Oklahoma and regional startup clients.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/regentbank
• YouTubeyoutube.com/@RegentBank
• Facebookfacebook.com/RegentBank
• LinkedInlinkedin.com/company/regentbank
• Instagraminstagram.com/regent.bank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Regent Bank