# SOMERSET REGAL BANK
BOUND BROOK, NJ · FDIC certificate 28778 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.19B | |
| Deposits | $925.1M | |
| Loans and leases | $907.3M | |
| Total equity | $178.2M | |
| Loans / deposits | 97.44% (p80 of band) | 87.10% |
| Liquid assets / assets | 17.04% (p32 of band) | |
| Uninsured deposits / deposits | 20.71% (p19 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.47% (p47 of band) | |
| FHLB advances / assets | 5.47% | |
| Tier 1 leverage | 13.81% (p89 of band) | 10.50% |
| Unrealized securities loss / equity | -9.87% (p41 of band) | -7.75% |
| AOCI / equity | 0.06% (p82 of band) | |
| ROA (annualized) | 0.34% (p5 of band) | 1.26% |
| Net interest margin | 2.96% (p14 of band) | 3.70% |
| Efficiency ratio | 79.28% (p92 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 98% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 8.7% | |
| Employees | 116 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | securities losses >30% of equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | reserve under noncurrent | securities losses >30% of equity |
| 2012-06 | 2 | NIM <2.5% |  |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | uninsured deposits leaving |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 0 |  | NIM <2.5%, uninsured deposits leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 1 | NIM <2.5% |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | expense ratio p90 |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 1 |  | expense ratio p90, capital falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | securities losses >30% of equity, expense ratio p90 |  |
| 2022-12 | 2 |  | securities losses >30% of equity |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 | uninsured deposits leaving | expense ratio p90 |
| 2023-09 | 4 | capital falling, losing money, expense ratio p90 | uninsured deposits leaving |
| 2023-12 | 2 |  | NIM <2.5%, capital falling |
| 2024-03 | 0 |  | losing money, expense ratio p90 |
| 2024-06 | 1 | losing money |  |
| 2024-09 | 3 | deposits shrinking, assets shrinking |  |
| 2024-12 | 1 | capital falling | losing money, deposits shrinking, assets shrinking |
| 2025-03 | 2 | expense ratio p90 |  |
| 2025-06 | 1 |  | expense ratio p90 |
| 2025-09 | 2 | expense ratio p90 |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-29 [SR Bancorp Rings the Nasdaq Stock Market Closing Bell - Nasdaq](https://news.google.com/rss/articles/CBMihgFBVV95cUxOYlRodUVEdmxYQS1ZVTZ1ZUxlSUVkTVhsQWp3MDU0MzV2TnlLYk1CZ183eEhiWDJVclR4WDlQUnBsSVRMWGZxUG03cDdIUVNTUzFmUmhGODYxUG05RVNSS1RFNjVZRVJJRDZPM1d2QnVITjlna2h5b2lLWWI4cDJFQ09tMWlMQQ?oc=5) · Nasdaq
- 2026-04-09 [Somerset Regal Charitable Foundation awards grant to JFS of MetroWest NJ - New Jersey Jewish News](https://news.google.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?oc=5) · New Jersey Jewish News
- 2026-04-16 [Somerset Regal Charitable Foundation Awards $10k To JFS MetroWest for Mental Health Services - The Jewish Link](https://news.google.com/rss/articles/CBMitwFBVV95cUxNZmdWR1ljeDdCNU1LNzNqUWVyMVJfX3dkX0k1ZkpBcWhXb2pZSjNOZTB0MUI0bFpkU1JBTTRNMl9TNDdzemlvT0RHX2ZsSkk5d2JBM1BkZ3NwWkVoZUdpbVk3Z0U2OENab1hZb0wzM0kya3dHay1zem5PRFViY1VBN2VUZW1DM3BhdWRreFlFVGJBd2ZvNHpLY08xT1l3cGZTUUJLV1ZsclM4R01BWklDek52OHpobXM?oc=5) · The Jewish Link
- 2026-05-21 [Somerset County's Largest Business Expo is Coming to TD Bank Ballpark on June 4 - TAPinto](https://news.google.com/rss/articles/CBMiyAFBVV95cUxORFFyQWVmOEU3c0tIYm5RRUh6dmRxTFV1N2kwZG1haFZ6MDBPUWhTOFRKaXEyUGRsWmJqUEUtWVdqcnFHN3l1RE1xU292YmhZd2FTekhJcVFjdi1FdkJmNG5aaThUQTl3dnRIc2VZbzlwMWwxRzloVFJEaExrd0VnV1RCQ2NQX3VaX3dSZ1gxSHN0NHFXQnQ0dXFndmxLQ1RVZjEzQlV0NEk1bU1WMW1XYXQ5bXBIbnZHTmh6SmNvY0NBcHdzZmZVRA?oc=5) · TAPinto
- 2022-07-26 [Somerset Savings to merge with Regal Bancorp - NJBIZ](https://news.google.com/rss/articles/CBMicEFVX3lxTE5KVGJTemVQeHN4Z080dFdRTTVFYnppN2RvWVdQZkZJMDhPdzVsQ1E3V2JxR254QWh5R0lNcGFVXy1HeXFaWWh6MTJSbFZmRWlwUDMya0VSaHo3NEJwMnVSWjRlSEdCZGd3b2g4eWlwdDM?oc=5) · NJBIZ
- 2022-07-25 [SOMERSET SAVINGS BANK TO CONDUCT CONVERSION AND RELATED STOCK OFFERING AND TO MERGE WITH REGAL BANCORP, INC. - PR Newswire](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPaHlyRm9XSGp6STBfLVdveG1oU3VJMm96RUNsY0VjN1VtVkRlWmxza2E4a29WNGQ5d2NHYmtKQzJZWXNscllMSGlIaWltYUtWVnNpMUQyc09kRDJaWXNhYnBLTFlFSm5NNV9mdjh2ZGVzRXU2U2RNS2F1eWF0OTd5ZzZwcGhLVlJWRmhjTUlWRDhqMGsxZ3h2YVQyS20ybkpDNEUzdmY0VU9iMk5YMzJ6U290ZlZfYklhOU5aNGh3T1RrUmRrZFptdnBkT2RucU11YjQyeGFpYzlOOGtWcEtJRjRYMG5yaHd3OHY1UnU3LUJaMmxv?oc=5) · PR Newswire
- 2025-04-24 [SR Bancorp (SRBK) Stock Price, News & Analysis - Stock Titan](https://news.google.com/rss/articles/CBMiU0FVX3lxTFAyR21iOFkwbHZDNGwwZ0FQMC1hcldiRkdtZnBxX29Ma21LV3AwQUFyYzlKNS1vLVp3TWIxTUo3SG03VEp2cHdRc1pDUGdYLTUyaC1v?oc=5) · Stock Titan
- 2023-07-21 [Somerset Savings Bank Announces Commencement of Stock Offering - citybiz](https://news.google.com/rss/articles/CBMiowFBVV95cUxNc1dmT282RmN3VEo4QWdPUUE2d2tfdEVDRjVkbHZwMDNIeEdtZ1J4enl5REdLc0ljNnZVZE5uTDhDU1poSmE1a2dWQUtMeFNsaDhPdjlBMEZyNzF3M1dwamIxTTRFbDZ4X0NycjNTazFWY2QwZ29wcS15SDVXR3YyVDlSRHBqNzB1dFZFUHVCZkVyVUh1Q0syWkZOa0E3RGk0V0dR?oc=5) · citybiz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28778 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/42.json (key "28778", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide