# REGAL BANK
LIVINGSTON, NJ · FDIC certificate 58574 · asset band $300M-1B · latest filing 2023-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $461.1M | |
| Deposits | $389.2M | |
| Loans and leases | $340.7M | |
| Total equity | $60.4M | |
| Loans / deposits | 86.50% (p65 of band) | 78.66% |
| Liquid assets / assets | 23.08% (p38 of band) | |
| Uninsured deposits / deposits | 28.43% (p62 of band) | 25.20% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.08% (p23 of band) | |
| FHLB advances / assets | 1.08% | |
| Tier 1 leverage | 13.35% (p86 of band) | 10.26% |
| Unrealized securities loss / equity | -1.24% (p94 of band) | -22.52% |
| AOCI / equity | 0.14% (p39 of band) | |
| ROA (annualized) | 1.58% (p79 of band) | 1.06% |
| Net interest margin | 3.54% (p52 of band) | 3.48% |
| Efficiency ratio | 65.23% (p50 of band) | |
| Noncurrent loans | 0.10% (p34 of band) | 0.23% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | 1205.92% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 0.30% (p4 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -17.9% | |
| Employees | 64 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | expense ratio p90 | reserve under noncurrent |
| 2017-03 | 0 |  | expense ratio p90 |
| 2017-06 | 1 | expense ratio p90 |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | expense ratio p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | deposits shrinking, assets shrinking |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | uninsured deposits leaving |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |

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

- 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
- 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
- 2026-06-29 [SR Bancorp Rings the Closing Bell - Nasdaq](https://news.google.com/rss/articles/CBMia0FVX3lxTE80MERDWXVIejFpcXJFTW5Ib0JSQ25PQTRkLXdDbFdDemlMUjQteEdGd01MWG1fdDJSWmctZUlWM043WHlrc3lpcWlqRTlxRlhjdi1FVnU5QjJTNGZpdUQ5dlAwV2VscTdueU1B?oc=5) · Nasdaq
- 2023-07-21 [Somerset Savings Bank Announces Commencement of Stock Offering - citybiz](https://news.google.com/rss/articles/CBMiowFBVV95cUxNc1dmT282RmN3VEo4QWdPUUE2d2tfdEVDRjVkbHZwMDNIeEdtZ1J4enl5REdLc0ljNnZVZE5uTDhDU1poSmE1a2dWQUtMeFNsaDhPdjlBMEZyNzF3M1dwamIxTTRFbDZ4X0NycjNTazFWY2QwZ29wcS15SDVXR3YyVDlSRHBqNzB1dFZFUHVCZkVyVUh1Q0syWkZOa0E3RGk0V0dR?oc=5) · citybiz
- 2021-02-22 [Regal Bank (NJ) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMie0FVX3lxTE1UNFFpWW5SWnNDN0VFa2hGLXZjeTVwUU5DM1djNzU3U1pNZGp4YTh1VmdKSmNxeVVEZmRpZm0xWHQ5bGhIQnlRbDJXekY4MUtRa1RXUXV0S21FQWtBakxqWFdqNTZnOFZaODZMeFVlbVpMNDZJaGlEdS1Oaw?oc=5) · SmartAsset
- 2024-10-18 [Here’s what's replacing long-vacant Rite Aid in Flemington - Central New Jersey News](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNaGt1NzM2cXNLcDBvd1pIVHNVUExITkNuTDFIQ1FsR3l4bldxTXdhOU1YTXBXR0ZTRVJ4ZmVHczM1SzczejIyNWJsN1pKdDhmM1N6ekZLU0xXYnQ1aHVpalBtWFItSGE4WnY5d3ZpSDBPejRZNHpjYlZIa1dtSElTbG5UMk1SdmxXdTZ4ZGc4ZU9SZXpMTG9WTU5SakZDQ3laV3h2ZW9xbWE0V1BEOXBDZUJ5anE5S2p0eUR0Q3ZDTmVYRVZiRDBSNmVwQ05nSGFYdXcwX29BWVRzbE5QZzJ5Yw?oc=5) · Central New Jersey News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58574 (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/14.json (key "58574", 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.

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