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Somerset Regal Bank

Bound Brook, NJ · Cert 28778 · Sr Bcorp Inc.

State charter, non-member · FDIC · 14 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

49

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

18

Q2 2024Q2 2026peer median (50)

Liquidity

89

Q2 2024Q2 2026peer median

Efficiency

11

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Somerset Regal Bank

Bound Brook, NJ · Cert 28778 · Sr Bcorp Inc.

State charter, non-member · FDIC · 14 branches

Q2 2026

$1.2BAssets
$907.3MLoans
$925.1MDeposits
$178.2MEquity
Loan mix
98%RE $848.2M2%C&I $16.4M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $798.3M14%Noninterest $126.8MQ2 2025Q2 2026

NIM

4.43%Q2 ’244.32%Q2 ’254.46%Q2 ’26-13%+2%

Non-interest income vs. expense

2.72%Q2 ’242.63%Q2 ’252.46%Q2 ’26-14%+5%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #77 of 151 inst. · $0.9B of $2921.1B

2.3% Somerset
1.0% Essex
2.3% Hunterdon
0.1% Middlesex

Executive Summary

  • Earnings: ROA of 0.34%, down 14 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.81%, down 170 bps from a year ago.
  • Funding: loans stand at 98.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.34%-14 bps YoY

Net Interest Margin (YTD, annualized)

2.85%+5 bps YoY

Efficiency Ratio (YTD, annualized)

79.28%+115 bps YoY

Tier 1 Leverage Ratio

13.81%-170 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.41%0.39%0.33%0.34%-14 bps
Return on Equity2.72%2.33%2.24%2.06%2.14%-58 bps
Net Interest Margin2.80%2.81%2.79%2.85%2.85%+5 bps
Efficiency Ratio78.13%79.50%79.98%80.44%79.28%+115 bps
Non-Interest Burden2.16%2.22%2.23%2.30%2.27%+11 bps
Growth
Asset Growth (YoY)6.33%5.42%7.45%6.45%9.67%+334 bps
Loan Growth (YoY)8.88%7.65%7.70%10.03%13.06%+418 bps
Deposit Growth (YoY)5.11%4.91%7.66%6.85%8.65%+354 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.02%0.02%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.67%0.67%0.66%0.66%0.65%-1 bps
Allowance Coverage of NPLsn/an/a31.7x32.2xn/an/a
Capital
Tier 1 Leverage Ratio15.51%15.50%14.85%14.26%13.81%-170 bps
Total Risk-Based Capital15.51%15.50%14.85%14.26%13.81%-170 bps
Equity / Assets17.34%17.07%16.19%15.86%14.98%-235 bps
Liquidity & Funding
Loans / Deposits94.26%95.37%93.92%96.34%98.08%+382 bps
Liquid Assets / Assets18.05%17.31%19.14%16.95%16.72%-133 bps
CRE / Total Capitaln/a219%231%241%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Somerset Regal Bank

Bound Brook, NJ · Cert 28778 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · Sr Bcorp Inc.

State charter, non-member · FDIC · 14 branches

Q2 2026

$1.2BAssets
$907.3MLoans
$925.1MDeposits
$178.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 6 of 36).
  • Widest gap: return on equity trails 91% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 32 of 35).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.33%

Rank 32 of 36

Net Interest Margin

2.85%

Rank 24 of 36

Efficiency Ratio

82.55%

Rank 32 of 35

Equity / Assets

14.98%

Rank 6 of 36

Non-interest income vs. expense

$2.2M$28.0MINCOMEEXPENSE
Unfavorable gap of $25.8M · efficiency ratio beats 11% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 82.55%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.33%0.65%1.00%1.72%Beats 11%32 / 36
Return on Equity2.18%5.35%9.30%13.56%Beats 9%32 / 35
Net Interest Margin2.85%2.66%3.13%3.63%Beats 33%24 / 36
Efficiency Ratio82.55%52.19%63.09%75.14%Beats 11%32 / 35
Asset Quality
Nonperforming Loans / Loans0.00%0.46%0.84%1.59%Beats 100%6 / 36
Net Charge-Offs / Loans0.00%n/a0.03%0.14%Beats 100%11 / 36
Capital
Tier 1 Capital Ratio13.81%13.13%14.78%18.34%Beats 36%23 / 36
Total Risk-Based Capital Ratio13.81%13.73%15.96%19.27%Beats 28%26 / 36
Equity / Assets14.98%9.80%11.58%14.82%Beats 83%6 / 36
Liquidity & Funding
Loans / Deposits98.08%81.12%95.13%103.24%56th pctl16 / 36
Loans / Assets76.31%67.44%76.31%84.79%50th pctl18 / 36
Brokered Deposits / Depositsn/aNot reported for this institution