Regents Bank – Top-Rated by BauerFinancial

As a business owner or manager, you face a lot of important decisions, and some of them probably keep you up at night. At Regents Bank, we’re committed to going the extra mile so that your decision about where to bank leaves you worry free.

We’re pleased to be able to reassure you that as a division of Grandpoint Bank, Regents Bank holds a Five-Star superior rating from BauerFinancial, an independent research and rating firm.  This is the highest rating possible, awarded only to banks considered to be the strongest in the nation. What does this mean for you and your business?

BauerFinancial has come to be regarded as “the nation’s bank rating service,” and has been analyzing the performance of banks and credit unions since 1983. Ratings are determined by the bank’s capital ratio (a measure of a bank’s capital) as well as profitability, delinquent loans, charge-offs, liquidity and more.

BauerFinancial’s analyses are made using quarterly financial reports filed with the government by each bank or credit union, with historical comparison for consistency. BauerFinancial is an independent rating service, and its star-rating is assigned based upon a scale of zero to five stars. Banks cannot pay to be rated nor opt out of being rated.

Historically, the top performing institutions in the BauerFinancial rating system maintain strong policies, prudent underwriting and responsible investment; qualities that position a bank well for longevity and reliability.

As a business owner, you want the assurance that your banking partner has all of the qualities on which our top BauerFinancial five-star rating is based: strength, stability and soundness.

As you aspire to be among the best of the best in your industry, so do we. We’re happy to provide a five-star assurance that we are up to the task.

Download our BauerFinancial Highlights Report.

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This icon appears next to every link that directs to a third party website not affiliated with Regents Bank. Please be advised that if you click this link you will be taken to a website hosted by another party, where you will no longer be subject to, or under the protection of, the privacy and security policies of Regents Bank. We recommend that you review and evaluate the privacy and security policies of the site that you are entering. Regents Bank assumes no liability for the content, information, security, policies or transactions provided by these other sites.

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@Glowimages 02A14QPM.

Happy Thanksgiving

@Glowimages 02A14QPM.

The leaves have turned, the air is crisp and the turkeys are… nervous.

Thanksgiving is upon us, and as you decorate your table, gather your friends and family near and prepare your feast, please know that one of the many things we are thankful for at Regents Bank is the trust and loyalty of our clients. We are honored to serve so many individuals and help support the businesses and professionals who work so hard to power our local economy and our communities.

 We raise our collective glasses to you and your families and wish you the happiest of Thanksgivings.

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Banking for Construction Companies: Regents Bank’s Darla Clark Shares Her Insights

Part of our ongoing series about how specialty banking can help you and your business

Darla Clark, Executive Vice President

Darla Clark, Executive Vice President

Executive Vice President Darla Clark has cultivated banking relationships with many San Diego construction companies during her 13 years with Regents Bank. She offers their leaders her in-depth understanding of the construction industry and tailored advice to maximize their banking experience.

Darla has 25 years of experience working with construction companies and is a member of Construction Financial Management Association (CFMA), which offers continuing education to professionals in this field; as well as WCC, Women’s Construction Coalition, which promotes woman-owned construction companies.

When we asked Darla to share the types of banking challenges she sees facing her construction company clients, she cited the cyclical nature of their industry. She stressed the need for banks to work with these companies, especially during downtimes, to advise them about financial statement strategies that will satisfy bank and bonding requirements. Their accounting systems must be tailored to anticipate the cyclical nature of their industry.

Another challenge that construction companies face is the constant threat of bigger companies coming in from other areas to compete for local bids, especially during lean times. In addition to helping her clients plan for peaks and valleys in their revenues, she is also an active member of pro-business organizations that support local businesses and their interests.

Darla added that a banker serving the construction industry should have solid knowledge about bonding issues facing the industry and ample contacts in the bonding agency sector in order to help clients.

Darla was drawn to the construction industry for several reasons. First, it is an important component of San Diego’s economy and our community. Second, Darla is impressed by the people and their work ethics. She also appreciates how much they look to their banker for resources and financial advice, and always value good service and communication.

Many of her construction clients are seasoned companies that started small and grew.  In many instances, the owner worked his or her way up in the industry before starting the company. She enjoys working within this close-knit community of construction companies and admires the respect they share for each other.

She notes the construction industry has yet to bounce back to pre-recession levels, but that the outlook is steadily improving. We know Darla will do everything she can to help make that happen for Regents Bank’s clients.

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Regents Bank Regional Managers Stephen Friedman and Jon Michael Caffall Promoted to Executive Management

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When Regents Bank recognizes remarkably talented members of our team, what do we do? We promote them!

Stephen Friedman and Jon Michael Caffall have been going above and beyond for our clients for many years, and both have made a huge impression as members of senior management.

In recognition of their hard work and commitment, Stephen and Jon Michael have been elevated to the position of executive vice president. Both will retain their role as regional manager as well – Stephen for our headquarters office in La Jolla and Jon Michael for our Vista and Escondido offices.

Stephen and Jon Michael have also demonstrated leadership and success in consistently growing our bank. The growth they helped us achieve is a testament to their ability to deliver valuable services and advice to our clients.

As part of the executive team, Stephen and Jon Michael will continue to manage their offices and are responsible for developing, managing and expanding commercial loan and depository relationships for small to mid-sized businesses, as well as varied real estate transactions throughout San Diego County. Stephen joined the bank in 2009 and Jon Michael joined the bank in 2005.

A resident of Carmel Valley, Stephen is a participating member of Renaissance Executive Forums, ProVisors, Business Executives Council↗ and Association for Corporate Growth(ACG).

A resident of Vista, Jon Michael supports the Vista Optimist Club↗ and has arranged for Regents Bank to sponsor a Vista Optimist Club fundraiser event. Personally, he also supports Disabled American Veterans↗ and the American Diabetes Association.

Please join us in congratulating Stephen and Jon Michael. They’d love to hear from you.

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This icon appears next to every link that directs to a third party website not affiliated with Regents Bank. Please be advised that if you click this link you will be taken to a website hosted by another party, where you will no longer be subject to, or under the protection of, the privacy and security policies of Regents Bank. We recommend that you review and evaluate the privacy and security policies of the site that you are entering. Regents Bank assumes no liability for the content, information, security, policies or transactions provided by these other sites.

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100wave

Boys to Men’s 100 Wave Challenge

100wave

Can you imagine surfing 100 waves in just 12 hours? We’re guessing some of our Southern California clients actually can. We know for sure that one of our Regents Bank team members can. On September 20, our own Sean Puckett will do just that in order to raise money for Boys to Men↗ through their 5th annual 100 Wave Challenge↗ event at Mission Beach.

Making a difference

Every week, dedicated Boys to Men mentors show up at middle schools, high schools and foster care facilities to give teenage boys a community of mentors who listen, encourage and believe in them. Nearly three quarters of the boys in this program are growing up without a father, and the need for the Boys to Men mentoring program, which is offered at no charge, is greater than ever. The primary source of funding for Boys to Men comes from the 100 Wave Challenge.

Tune in and show up!

This year, Sean is putting together a nine-person surf team for the Challenge and is currently ranked as the 2014 100 Wave Challenge number six top fundraiser. Sean has also arranged for Boys to Men founder Craig McClain to join Richard Muscio for a live radio broadcast on Richard’s show It’s Your Money and Your Life↗ on KFBM 760. Tune in soon to hear both Sean and Craig talk about the 100 Wave Challenge and the wonderful stories Boys to Men has helped create. (Broadcast date to be announced soon.)

You’re also welcome to come down to the beach to cheer on the surfers. This year, former pro surfer and world champion Shaun Tomson will take part in the surf challenge and has been a formidable force in raising funds for Boys to Men. It’s always a treat to watch a pro surfer in action.

What is it with the name Sean/Shaun?

And don’t forget to watch our own celebrity… Surfer Magazine↗ recently featured a photo from last year’s 100 Wave Challenge of our Sean dropping into a wave. Hang ten, Sean (and Shaun), and surf on!

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↗ Linking to Non-Regents Bank Websites

This icon appears next to every link that directs to a third party website not affiliated with Regents Bank. Please be advised that if you click this link you will be taken to a website hosted by another party, where you will no longer be subject to, or under the protection of, the privacy and security policies of Regents Bank. We recommend that you review and evaluate the privacy and security policies of the site that you are entering. Regents Bank assumes no liability for the content, information, security, policies or transactions provided by these other sites.

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How Can A Specialty Banker Help Your Business?

Part one of our periodic ‘Meet Your Banker’ series of blog postings

When you think of a banker, do you think conservative suit? Good at numbers? Knows their way around a spreadsheet but maybe not around a construction site? You can be honest. You do, right?

Well, let us surprise you. Many of our bankers have unique training and backgrounds that just may match up with your specific industry. One used to hold a top position at a well-known food chain. Another earned an MBA degree in healthcare administration, and still another has financed dozens of hotel developments and acquisitions.

Our list goes on. From hospitality to healthcare, software, construction and so many more, you’ll find Regents bankers who have differentiated themselves as specialists in certain industries. They’ve done so through education and training, participating in industry associations, previous careers in those industries and, above all else, listening to our clients.

Our management and service philosophy supports and encourages our relationship managers going the extra mile to provide relevant and insightful counsel. We know that a banker who understands the unique dynamics, language and market forces of your industry will be much more valuable to you and your business.

Through our blog, we plan to introduce you to some of our specialists and tell you a little bit about how they came to focus on a certain industry and how their specialty background helps our clients. As always, we welcome your comments and questions.

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Susan

Regents Bank helps protect your information and your money

As part of the Grandpoint family of banks, we want to share this informative article that ran on Grandpoint Bank’s blog so that Regents Bank clients can learn about the systems we have in place to help protect you from cybercrime.

Our clients are our top-most priority. You entrust us with your personal information, your money and your confidence. We, in turn, have designed and implemented systems to make sure we help protect you and your business from cybercrime.

With new technologies come exciting new opportunities but also new risks and vulnerabilities. That’s why bank regulators require us to collect identifying information about you and your business. All that information helps our risk management team build a summary so that we understand your business and your projected account activity.

With the account summary, we can analyze the activity flowing through your account in order to red flag transactions or requests that seem out of the ordinary and bring these to your attention. Our objective is to prevent fraudulent activity, including people who illegally obtain your personal and financial information, through phishing, computer hacking or other illegal schemes, from using it to defraud your bank accounts.

We also continuously reinforce our protection systems. We regularly conduct audits on our firewalls and retain outside agencies to perform vulnerability penetration testing on our electronic and personal communications systems.

We appreciate the effort you make to assist us in building a summary for you and your business. This detailed information allows us to construct a system to keep your information safe and secure and reduce the threat of cyber and other crimes.

If you’d like to know more about how our risk management systems and strategies are helping to protect your accounts, please feel free to speak with your Grandpoint banker.

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Susan

Susan Wahba joined Grandpoint Bank in 2012 as Bank Secrecy Act (BSA) Officer. She was named EVP & Chief Risk Officer in 2013. She has over 20 years of banking experience, including a regulatory background. She spent 13 years as a risk management examiner for the Federal Deposit Insurance Corporation (FDIC). She led examination teams on both safety and soundness and Trust Department examinations of numerous FDIC-insured financial institutions. During her time at the FDIC, Susan became a subject matter expert in BSA, fraud, and trust. She is a Certified Anti-Money Laundering Specialist and has been a member of the Association of Certified Anti-Money Laundering Specialists (ACAMS) since 2010. She currently sits on the Executive Board of the Southern California Chapter of ACAMS.

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