Headquartered in Bound Brook, New Jersey, Somerset Regal Bank is a state-chartered bank with $1.2B in total assets and $925.1M in deposits as of Q2 2026. It operates 14 offices. Its charter dates back to 1887.
Based on its Q2 2026 filing, Somerset Regal Bank scores 76/100, which we describe as strong. That is higher than 80% of 897 banks with $1 billion – $10 billion. Among 50 banks headquartered in New Jersey, it ranks 10th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (33/100; 0.34%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 6 points (82 → 76), mostly because the capital cushion component weakened by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 78 |
| Q4 2024 | 79 |
| Q1 2025 | 80 |
| Q2 2025 | 82 |
| Q3 2025 | 81 |
| Q4 2025 | 81 |
| Q1 2026 | 78 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.83% |
| Q3 2024 | 16.06% |
| Q4 2024 | 15.88% |
| Q1 2025 | 15.86% |
| Q2 2025 | 15.51% |
| Q3 2025 | 15.50% |
| Q4 2025 | 14.85% |
| Q1 2026 | 14.26% |
| Q2 2026 | 13.81% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.02% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.38% |
| Q3 2024 | -0.09% |
| Q4 2024 | 0.03% |
| Q1 2025 | 0.18% |
| Q2 2025 | 0.48% |
| Q3 2025 | 0.41% |
| Q4 2025 | 0.39% |
| Q1 2026 | 0.33% |
| Q2 2026 | 0.34% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $1.2B | 13.81% | 0.00% | 0.34% | 97.4% |
| Q1 2026 | 78 | $1.1B | 14.26% | 0.02% | 0.33% | 95.7% |
| Q4 2025 | 81 | $1.1B | 14.85% | 0.02% | 0.39% | 93.3% |
| Q3 2025 | 81 | $1.1B | 15.50% | 0.00% | 0.41% | 94.7% |
| Q2 2025 | 82 | $1.1B | 15.51% | 0.00% | 0.48% | 93.6% |
| Q1 2025 | 80 | $1.1B | 15.86% | 0.00% | 0.18% | 92.9% |
| Q4 2024 | 79 | $1.1B | 15.88% | 0.00% | 0.03% | 93.3% |
| Q3 2024 | 78 | $1.1B | 16.06% | 0.00% | -0.09% | 92.3% |
| Q2 2024 | 77 | $1.0B | 16.83% | 0.01% | -0.38% | 90.3% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New Jersey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sturdy Savings BankBank Stone Harbor, NJ | 68 out of 100, Moderate | $1.1B | 9.7% | 0.15% | vs |
| Magyar BankBank New Brunswick, NJ | 72 out of 100, Strong | $1.0B | 11.3% | 0.04% | vs |
| Union County Savings BankBank Elizabeth, NJ | 51 out of 100, Below average | $1.5B | 7.8% | 0.91% | vs |
| First Commerce BankBank Lakewood, NJ | 60 out of 100, Moderate | $2.0B | 10.2% | 0.72% | vs |
| The Bank of PrincetonBank Princeton, NJ | 68 out of 100, Moderate | $2.3B | 11.7% | 0.92% | vs |
| Parke BankBank Sewell, NJ | 85 out of 100, Very strong | $2.3B | 15.9% | 0.27% | vs |
Deposit insurance
Is my money safe at Somerset Regal Bank?
Yes. Somerset Regal Bank is an FDIC-insured institution (FDIC certificate #28778). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.7% of deposits ($191.6M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.81%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
14 locations
Branches
Somerset Regal Bank lists 14 offices in 14 cities. Most locations:
- Bound Brook, NJ (1)
- Flemington, NJ (1)
- Florham Park, NJ (1)
- Livingston, NJ (1)
- Manville, NJ (1)
- Middlesex, NJ (1)
- Millburn, NJ (1)
- Raritan, NJ (1)
- Roseland, NJ (1)
- Somerset, NJ (1)
- Somerville, NJ (1)
- Springfield, NJ (1)
HMDA 2025
Mortgage lending
In 2025, Somerset Regal Bank reported 240 home-loan applications under HMDA (LEI 549300B201Z415GE5E85): 201 originated ($118,095,000 total), 8 denied, and 28 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Somerset Regal Bank
- Former names
- Somerset Savings Bank, SLA; Somerset Savings and Loan Association
- Type
- State-chartered bank
- FDIC certificate #
- 28778
- RSSD ID
- 159971
- Primary regulator
- FDIC
- Holding company
- Sr Bcorp Inc
- Established
- January 1, 1887
- Headquarters
- 220 W Union Ave, Bound Brook, NJ 08805
- Website
- www.somersetregalbank.com
- Employees
- 116
Quick answers
Somerset Regal Bank: common questions
Is Somerset Regal Bank FDIC insured?
Yes. Somerset Regal Bank is an FDIC-insured institution (FDIC certificate #28778). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Somerset Regal Bank's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Somerset Regal Bank ever failed?
There is no failure record for FDIC certificate #28778 in the FDIC failed bank list.
How many branches does Somerset Regal Bank have?
14 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Bound Brook
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| Public Service E.D. Trenton Federal Credit UnionCredit union Mercerville, NJ | 89 out of 100, Very strong | $2.6M | 49.9% | 0.00% | vs |
| Division 819 Transit Employees Credit UnionCredit union Irvington, NJ | 88 out of 100, Very strong | $16.7M | 17.9% | 1.02% | vs |
| Local 1233 Federal Credit UnionCredit union Newark, NJ | 88 out of 100, Very strong | $14.1M | 17.9% | 0.27% | vs |
| First National Bank and Trust Company of NewtownBank Newtown, PA | 87 out of 100, Very strong | $1.2B | 12.9% | 0.00% | vs |
| Merck Employees Federal Credit UnionCredit union Rahway, NJ | 86 out of 100, Very strong | $1.7B | 15.4% | 0.30% | vs |