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Somerset Regal Bank
Bound Brook, NJ · FDIC Certificate #28778 · Chartered 01/0
Total assets
$1.19B
Total deposits
$925.10M
Total equity
$178.15M
Net loans
$901.41M
Branches (offices)
14
Net income (YTD)
$1.94M
Rank: #899 of 4,213 U.S. banks by assets · #21 of 49 in New Jersey. Assets changed 9.7% and deposits 8.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.34% |
| Return on equity | 2.14% |
| Net interest margin (YTD) | 2.96% |
| Equity to assets | 14.98% |
| Tier 1 leverage ratio | 13.81% |
| Uninsured deposits (share of deposits) | 20.7% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 97.4% |
| Real estate loans (share of loans) | 98.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $888.27M | 98.5% | |
| Commercial & industrial | $19.01M | 2.1% | |
| Consumer / individual | $61.00K | 0.0% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $648.64M | $526.35M | $1.11M | $118.23M |
| Jun 2023 | $651.55M | $507.53M | $940.00K | $122.08M |
| Jun 2024 | $1.02B | $810.05M | -$1.97M | $197.29M |
| Jun 2025 | $1.08B | $851.43M | $2.57M | $187.97M |
| Jun 2026 | $1.19B | $925.10M | $1.94M | $178.15M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Jersey | $925.10M | 14 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $925.10M.
Similar-sized banks
Helm Bank Usa ($1.19B) · Evolve Bank & Trust ($1.19B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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