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Regal Bank

Livingston, NJ · Cert 58574

FDIC · 11 branches

Q2 2023

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2023, the quarter ended June 30, 2023, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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

Regal Bank

Livingston, NJ · Cert 58574

FDIC · 11 branches

Q2 2023

$461.1MAssets
$340.7MLoans
$389.2MDeposits
$60.4MEquity
Loan mix
98%RE $244.7M2%C&I $5.0M0%Consumer $0.1MQ2 2022Q2 2023
Deposit mix
76%Interest-bearing $294.2M24%Noninterest $95.0MQ2 2022Q2 2023

NIM

3.27%Q2 ’213.23%Q2 ’224.34%Q2 ’23+10%+17%

Non-interest income vs. expense

2.14%Q2 ’212.23%Q2 ’222.37%Q2 ’23+0%+10%

Market Position · New York-Newark-Jersey City, NY-NJ · 2023 SOD (annual) · 0.0% share · #107 of 156 inst. · $0.4B of $2583.1B

0.9% Essex
0.4% Somerset
0.1% Union
0.1% Morris

Executive Summary

  • Earnings: ROA of 1.58%, up 95 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.10% of loans (+4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.35%, up 251 bps from a year ago.
  • Funding: loans stand at 87.55% of deposits as of Q2 2023.

Financial Results

Return on Assets (YTD, annualized)

1.58%+95 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+52 bps YoY

Efficiency Ratio (YTD, annualized)

65.23%-475 bps YoY

Tier 1 Leverage Ratio

13.35%+251 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2022Q3 2022Q4 2022Q1 2023Q2 2023YoY ΔTrend
Earnings
Return on Assets0.63%0.70%0.69%2.77%1.58%+95 bps
Return on Equity6.16%6.65%6.36%22.55%12.62%+646 bps
Net Interest Margin3.01%3.16%3.35%3.30%3.53%+52 bps
Efficiency Ratio69.98%67.80%69.12%47.92%65.23%-475 bps
Non-Interest Burden2.05%2.11%2.27%1.53%2.26%+21 bps
Growth
Asset Growth (YoY)-6.53%-14.80%-14.10%-12.96%-14.18%-764 bps
Loan Growth (YoY)-8.57%-6.51%-4.63%-1.14%-1.05%+752 bps
Deposit Growth (YoY)-6.94%-16.80%-16.40%-16.37%-17.88%-1,094 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.33%0.15%0.15%0.10%+4 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.63%1.64%1.63%1.17%1.20%-43 bps
Allowance Coverage of NPLs28.8x4.9x10.5x7.6x12.1x-16.7x
Capital
Tier 1 Leverage Ratio10.85%11.28%11.78%12.43%13.35%+251 bps
Total Risk-Based Capital10.85%11.28%11.78%12.43%13.35%+251 bps
Equity / Assets10.62%11.60%11.85%12.71%13.11%+249 bps
Liquidity & Funding
Loans / Deposits72.66%78.67%80.92%86.40%87.55%+1,489 bps
Liquid Assets / Assets28.96%21.60%20.83%18.08%16.11%-1,285 bps
CRE / Total Capitaln/an/an/an/an/an/an/a