Somerset Regal Bank: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
Somerset Regal Bank reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $953.5M in Q3 2026, up 14.6% from $831.9M in Q3 2025. That is 78.4% of its total assets. Across the 12 quarters shown it ranged from $701.0M (Q4 2023) to $953.5M (Q3 2026).
CRE concentration (Tier 1 capital + allowance) climbed 17.54 percentage points in Q3 2026, from 216.97% to 234.50%. It was the largest change from Q2 2026 among the key lines here. Within New Jersey, Somerset Regal Bank is 20th of 49 on loan-to-deposit ratio, 97.37% as of 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.
Loan totals
Largest change in this table: loans to total assets, up 2.10 points to 78.41% in Q3 2026 after 76.31% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $953.5M |
| Net loans and leases | $947.4M |
| Loans held for sale | $0 |
| Loans to total assets | 78.41% |
| Loan-to-deposit ratio | 97.37% |
| Net loans to equity capital | 5.28× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
Multifamily (5+ residential) changed the most here, up 1.91 points to 29.78% in Q3 2026 from 27.87% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.89% |
| Multifamily (5+ residential) | 29.78% |
| Commercial and industrial | 2.07% |
| Consumer | 0.01% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 234.50% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
Yield on loans changed the most here, up 0.13 points to 5.53% in Q3 2026 from 5.40% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 5.53% |
| Interest income on loans | $12.7M |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $701.0M | $846.1M | 19.32% | 0.69% | 0.03% |
| Q1 2024 | $704.0M | $840.8M | 19.37% | 1.76% | 0.01% |
| Q2 2024 | $737.1M | $810.0M | 19.95% | 1.86% | 0.01% |
| Q3 2024 | $772.8M | $831.4M | 17.42% | 1.56% | 0.01% |
| Q4 2024 | $780.8M | $831.7M | 16.53% | 1.47% | 0.00% |
| Q1 2025 | $785.9M | $840.0M | 16.49% | 1.44% | 0.00% |
| Q2 2025 | $802.5M | $851.4M | 15.91% | 1.53% | 0.01% |
| Q3 2025 | $831.9M | $872.2M | 16.03% | 2.12% | 0.01% |
| Q4 2025 | $841.0M | $895.4M | 17.04% | 1.88% | 0.01% |
| Q1 2026 | $864.7M | $897.5M | 16.66% | 1.90% | 0.01% |
| Q2 2026 | $907.3M | $925.1M | 15.60% | 2.10% | 0.01% |
| Q3 2026 | $953.5M | $979.2M | 14.89% | 2.07% | 0.01% |
Somerset Regal Bank loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, 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)