Bank Safety Analysis
Is Somerset Regal Bank Safe? Bound Brook, New Jersey
Based on its Q3 2026 call report, Somerset Regal Bank meets the community bank leverage ratio test for well capitalized, its Texas ratio is 0.06%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Somerset Regal Bank safe?
On its Q3 2026 call report, Somerset Regal Bank's Community Bank Leverage Ratio is 13.46%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 13.46%
- Texas ratio (Q3 2026): 0.06%
- Noncurrent loans ratio (Q3 2026): 0.01%
Somerset Regal Bank is an FDIC-insured commercial bank (FDIC Certificate #28778). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Somerset Regal Bank (FDIC Certificate #28778) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Somerset Regal Bank meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. 2 risk screens are flagged: commercial real estate to capital and held-to-maturity unrealized loss to equity.
The biggest quarter-over-quarter change on this page was a small one: return on assets edged up 0.04 percentage points between Q2 2026 and Q3 2026, to 0.39%. Somerset Regal Bank ranks 15th of 49 New Jersey banks on leverage ratio, in the upper half at 13.46% (Q3 2026). The median for banks in the $1B-10B asset tier is 10.54% on leverage ratio. Somerset Regal Bank sits 2.92 points higher, at 13.46% (Q3 2026).
From Q4 2023 to Q3 2026, Somerset Regal Bank's Texas ratio ranged between 0.00% (Q2 2026) and 0.11% (Q1 2026). Between Q3 2025 and Q3 2026, Somerset Regal Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.00% to 0.01%, Texas ratio rose from 0.00% to 0.06% and return on assets rose from 0.27% to 0.39%.
By total assets at Q3 2026, Somerset Regal Bank is the 21st largest of the 49 banks headquartered in New Jersey. 1-4 family residential loans are its largest loan category, $507.8M of $953.5M in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, Somerset Regal Bank's community bank leverage ratio of 13.46% is above the 10.54% median, nonperforming loans ratio of 0.01% is below the 0.54% median, Texas ratio of 0.06% is below the 3.95% median, and efficiency ratio of 77.88% is above the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Somerset Regal Bank's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Somerset Regal Bank score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does Somerset Regal Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 0.06% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.01% | Within range |
| Uninsured deposit share BankRegReports band | 19.80% | Within range |
| Loan-to-deposit ratio BankRegReports band | 97.37% | Within range |
| Commercial real estate to capital BankRegReports band | 234.50% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 12.62% | Flagged |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.06% |
| Q2 2026 | 0.00% |
| Q1 2026 | 0.11% |
| Q4 2025 | 0.11% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.01% |
| Q2 2024 | 0.03% |
| Q1 2024 | 0.09% |
| Q4 2023 | 0.08% |
Loans by type, Q3 2026
- 1-4 family residential loans: $507.8M
- Multifamily loans: $283.9M
- Non-owner-occupied commercial real estate loans: $94.6M
- Owner-occupied commercial real estate loans: $47.4M
- Commercial and industrial loans: $19.7M
- Other consumer loans: $54K
How have Somerset Regal Bank's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $1.22B | 13.46% | 0.01% | 0.06% | 77.88% |
| Jun 30, 2026 | $1.19B | 13.81% | 0.00% | 0.00% | 78.15% |
| Mar 31, 2026 | $1.14B | 14.26% | 0.02% | 0.11% | 80.44% |
| Dec 31, 2025 | $1.14B | 14.85% | 0.02% | 0.11% | 81.42% |
| Sep 30, 2025 | $1.11B | 15.50% | 0.00% | 0.00% | 82.40% |
| Jun 30, 2025 | $1.08B | 15.51% | 0.00% | 0.00% | 70.19% |
| Mar 31, 2025 | $1.07B | 15.86% | 0.00% | 0.00% | 87.87% |
| Dec 31, 2024 | $1.06B | 15.88% | 0.00% | 0.00% | 78.99% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Somerset Regal Bank FDIC insured?
Yes. Somerset Regal Bank is an FDIC-insured commercial bank (FDIC Certificate #28778). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Somerset Regal Bank well capitalized?
On its Q3 2026 call report, Somerset Regal Bank's Community Bank Leverage Ratio is 13.46%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Somerset Regal Bank's key safety ratios?
For Q3 2026, Somerset Regal Bank reports leverage 13.46%, Texas ratio 0.06%, noncurrent loans 0.01%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if Somerset Regal Bank fails?
For Q3 2026, Somerset Regal Bank reported $979.2M in total deposits, 19.80% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Somerset Regal Bank profile.
How we score this
Somerset Regal Bank elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Somerset Regal Bank fails or is near these bands: Efficiency Ratio, pass ≤ 75% (lower is better) and fail ≥ 90%. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 28778) · FFIEC NIC profile (RSSD 159971)
Explore: Full Somerset Regal Bank profile · Other banks in NJ · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.