Somerset Regal Bank: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
On its Q3 2026 filing, Somerset Regal Bank reported 14 of the 15 line items on this page. It did not report cash and noninterest-bearing balances to assets. Cash and balances due from depository institutions was $60.2M in Q3 2026, up 3.2% from $58.3M in Q3 2025. That is 4.9% of its total assets. Across the 12 quarters shown it ranged from $45.9M (Q2 2024) to $83.9M (Q4 2023).
The standout move of Q3 2026 was in Brokered deposits to total deposits: 5.11 percentage points higher than in Q2 2026, at 5.11%. Somerset Regal Bank ranks 20th of 49 New Jersey banks on loan-to-deposit ratio, in the upper half at 97.37% (Q3 2026). Somerset Regal Bank reported 97.37% on loan-to-deposit ratio for Q3 2026, 9.24 points above the 88.13% median for banks in the $1B-10B asset tier.
Liquid assets
Largest change in this table: cash and balances due from depository institutions, down 15.8% to $60.2M in Q3 2026 after $71.5M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $60.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $182.9M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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Borrowed funds
Other borrowed money moved most in this table, down 46.2%: $65.0M in Q2 2026, $35.0M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $35.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.88% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 97.37% |
| Net loans and leases to deposits | 96.75% |
| Loans and leases to core deposits | 105.10% |
| Core deposits to total deposits | 87.54% |
| Brokered deposits to total deposits | 5.11% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 82.85% | 94.14% | $0 | $20.0M |
| Q1 2024 | 83.72% | 93.46% | $0 | $0 |
| Q2 2024 | 90.99% | 93.22% | $0 | $0 |
| Q3 2024 | 92.95% | 92.93% | $0 | $20.0M |
| Q4 2024 | 93.89% | 92.59% | $0 | $30.0M |
| Q1 2025 | 93.56% | 92.80% | $0 | $30.0M |
| Q2 2025 | 94.26% | 93.08% | $0 | $30.0M |
| Q3 2025 | 95.37% | 92.63% | $0 | $35.0M |
| Q4 2025 | 93.92% | 91.95% | $0 | $50.0M |
| Q1 2026 | 96.34% | 91.92% | $0 | $50.0M |
| Q2 2026 | 98.08% | 92.29% | $0 | $65.0M |
| Q3 2026 | 97.37% | 87.54% | $0 | $35.0M |
Somerset Regal Bank liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, 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)