PackageTrendsPeer
Letter portraitLegal landscape

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 75thStandingRank8-Qtr TrendPeer 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