Somerset Regal Bank: Income and Expense
BankRegReports is independent of Somerset Regal Bank and never asks for online banking logins or passwords.
Data as of · Call Report Schedule RI How we update
Somerset Regal Bank reported all 18 line items on this page on its Q3 2026 filing. Net income was $1.1M in Q3 2026, up 57.1% from $727K in Q3 2025.
The standout move of Q3 2026 was in Net income: 14.1% higher than in Q2 2026, at $1.1M. Somerset Regal Bank ranks 37th of 49 New Jersey banks on return on assets, in the lower half at 0.39% (Q3 2026). Somerset Regal Bank's return on assets of 0.39% is well below the 1.30% median for banks in the $1B-10B asset tier, a gap of 0.91 points (Q3 2026).
Net income
| Line item | Q3 2026 |
|---|---|
| Net income | $1.1M |
| Return on assets | 0.39% |
| Return on equity | 2.55% |
Get an email when Somerset Regal Bank files its next quarter, and see its income and expense against peers in the terminal. Free account, no card.
Interest income and expense
Total interest expense changed the most here, up 11.8% to $5.4M in Q3 2026 from $4.8M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $12.7M |
| Total interest expense | $5.4M |
| Interest expense on deposits | $4.8M |
| Net interest margin | 3.04% |
Noninterest income and expense
Largest change in this table: total noninterest expense, up 3.2% to $7.2M in Q3 2026 after $7.0M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total noninterest expense | $7.2M |
| Salaries and general administrative expense | $4.7M |
| Amortization of intangibles | $256K |
| Other noninterest expense | $2.3M |
| Efficiency ratio | 77.88% |
Productivity
| Line item | Q3 2026 |
|---|---|
| Assets per employee | $10.5M |
| Revenue per employee | $307K |
| Full-time equivalent employees | 116 |
Credit costs and securities results
Largest change in this table: provision expense to average assets, down 0.04 points to 0.06% in Q3 2026 after 0.10% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Provision for credit losses | $178K |
| Provision expense to average assets | 0.06% |
| Realized gain/(loss) on securities | $0 |
Income and Expense trend
Each bar is that quarter alone, not a year-to-date total.
Lower is better: it is expense as a share of revenue.
Income and Expense by quarter
| Quarter | Net income | Return on assets | Return on equity | Efficiency ratio |
|---|---|---|---|---|
| Q4 2023 | $1.5M | 0.56% | 3.10% | 74.78% |
| Q1 2024 | $1.1M | 0.40% | 2.16% | 81.36% |
| Q2 2024 | -$3.0M | -1.17% | -6.15% | 72.85% |
| Q3 2024 | $1.2M | 0.48% | 2.56% | 77.28% |
| Q4 2024 | $1.0M | 0.38% | 2.14% | 78.99% |
| Q1 2025 | $482K | 0.18% | 1.02% | 87.87% |
| Q2 2025 | $2.1M | 0.78% | 4.42% | 70.19% |
| Q3 2025 | $727K | 0.27% | 1.54% | 82.40% |
| Q4 2025 | $918K | 0.33% | 1.96% | 81.42% |
| Q1 2026 | $942K | 0.34% | 2.06% | 80.44% |
| Q2 2026 | $1.0M | 0.35% | 2.23% | 78.15% |
| Q3 2026 | $1.1M | 0.39% | 2.55% | 77.88% |
Somerset Regal Bank income and expense, quarter by quarter
Income and Expense since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RI, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Somerset Regal Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 28778) · FFIEC NIC profile (RSSD 159971)