FDIC Cert #28778 · Bound Brook, New Jersey · Est. 1887

Somerset Regal Bank - FDIC Bank Health Profile

A community-scale look at Somerset Regal Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.1B
Total assets
B
Health grade · Good
0.39%
Return on assets
14.9%
Tier 1 capital

Data updated July 2026

The verdict

Somerset Regal Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 14.85% Tier 1, 0.39% ROA, 80% efficiency ratio.

#924
largest of 4,313 FDIC banks by assets
79th
percentile by asset size, nationally
14.85%
Tier 1 ratio - above the 10% well-capitalized line
12th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 28778 · NJ B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3353/4307
  • PHOTO-FINISH Broadstreet Bank S S B · TX
  • TIER1-WELL 14.9% Tier 1
  • TEXAS-CLEAN 0.1% Texas
  • ROA-THIN 0.39% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Jersey: Broadstreet Bank S S B, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Somerset Regal Bank

Lowest and highest poles plus nearest scored peers outside New Jersey, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Broadstreet Bank S S B · TX …66/100Custer Federal State… · NE ·…66/100Del Norte Bank · CO · near66/100Forward Bank · WI · near66/100Somerset Regal Bank · NJ · t…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Somerset Regal Bank · July 2026

What Somerset Regal Bank's Call Report plate shows

Somerset Regal Bank (FDIC Cert #28778) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,353 of 4,307. Tier 1 capital prints at 14.85%, clearing the 10% well-capitalized line. The Texas Ratio is 0.09%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.39%. Balance-sheet scale is $1.1B, 924th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Broadstreet Bank S S B (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Somerset Regal Bank

8 FAILURE resolutions in New Jersey since 2000 (7 since 2008)

Somerset Regal Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Somerset Regal Bank remains an active FDIC-insured reporter.

  • CITY NATIONAL BANK OF NEW JERSEY NEWARK, NJ 2019 → INDUSTRIAL BANK
  • HARVEST COMMUNITY BANK PENNSVILLE, NJ 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FORT LEE FEDERAL SAVINGS BANK, FSB FORT LEE, NJ 2012 → ALMA BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Jersey banks.

How Somerset Regal Bank's 66/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10066/100
Somerset Regal Bank's composite health score
Tier 1 Capital Ratio (14.85%) 35/40
Return on Assets (ROA) (0.39%) 7/25
Texas Ratio (0.09%) 20/20
Efficiency Ratio (79.98%) 4/15

66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.1B

Total balance-sheet footings

Total Deposits

$895M

Customer-funded liabilities

Net Loans

$835M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.45% 14.85% 16.25%
Basel III capital ratios - Somerset Regal Bank

Where Somerset Regal Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Somerset Regal Bank's score of 66/100 falls in the highlighted band.

Somerset Regal Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 22nd percentile higher than 22% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Somerset Regal Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Somerset Regal Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Somerset Regal Bank's $1.1B falls in the highlighted band.

Safety ratios for Somerset Regal Bank

Tier 1 capital ratio
Well-capitalized 10%

14.85% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.85%
Texas Ratio
0.09%
Equity Capital
$185M

What these ratios mean →

Profitability metrics: Somerset Regal Bank

Return on Assets (ROA)
12th percentile nationally
0.39%
Return on Equity (ROE)
2.24%
Efficiency Ratio
79.98%

What these mean →

Income & expense at Somerset Regal Bank

$47M
Interest Income
$4M
Non-Interest Income
$28M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Somerset Regal Bank reports a Texas Ratio of 0.09% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.09% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Somerset Regal Bank on FDIC BankFind →

Top banks in New Jersey by total assets

Largest banks headquartered in New Jersey
  1. 1
    Valley National Bank $64.1B

    Passaic, NJ · Grade B

  2. 2
    Provident Bank $24.9B

    Jersey City, NJ · Grade A

  3. 3
    OceanFirst Bank $14.5B

    Toms River, NJ · Grade B

  4. 4
    ConnectOne Bank $14.0B

    Englewood Cliffs, NJ · Grade A

  5. 5
    Columbia Bank $11.0B

    Fair Lawn, NJ · Grade B

Top 5 banks in New Jersey ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.1B here), outside New Jersey so the neighborhood is not state containment.

First National Bank and Trust Company… $1.1B · PA Anstaff Bank $1.1B · AR Northstar Bank $1.1B · MI First State Bank $1.1B · FL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Somerset Regal Bank (FDIC Cert #28778) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Somerset Regal Bank Call Report profile · FDIC Failed Bank List · New Jersey FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Jersey

All New Jersey banks →
BankAssetsGradeROA
Valley National BankPassaic $64.1B B 0.99%
Provident BankJersey City $24.9B A 1.28%
OceanFirst Bank, National AssociationToms River $14.5B B 0.61%
ConnectOne BankEnglewood Cliffs $14.0B A 0.77%
Columbia BankFair Lawn $11.0B B 0.48%
Cross River BankFort Lee $8.1B C 0.29%
Kearny BankKearny $7.6B C 0.43%
Peapack Private Bank & TrustBedminster $7.5B C 0.57%