BlastPoint's Banking Scorecard
Somerset Regal Bank
Designations: ✓ Community bank
Bound Brook, NJ
14 branches across NJ
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in NJ.
- Deposits +8.7% year over year ($925.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.34%.
- Efficiency ratio 79.28% vs a 59.73% peer average.
- Loan-to-deposit ratio 97.44% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Somerset Regal Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.87% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.06% below tier average
- - Efficiency Ratio 19.55% above tier average
- - Non-Interest Income / Assets 0.43% below tier average
- - Net Interest Margin 0.91% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+9.7% YoY
+4.0% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$4.4B
+7.9% YoY
|
$6.3B
+7.7% YoY
|
16% |
| Total Loans ? |
$901.4M
+13.1% YoY
+4.9% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$3.3B
+6.8% YoY
|
$3.2B
+9.4% YoY
|
24% |
| Total Deposits ? |
$925.1M
+8.7% YoY
+3.1% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$3.6B
+8.2% YoY
|
$4.9B
+7.3% YoY
|
Bottom 10.2% in tier |
| Return on Assets ? |
0.34%
-30.0% YoY
+1.8% QoQ
|
-1.06% |
1.39%
+17.0% YoY
|
0.53%
-11.1% YoY
|
1.30%
+12.1% YoY
|
Bottom 4.2% in tier |
| Net Interest Margin ? |
2.96%
-0.4% YoY
-0.1% QoQ
|
-0.91% |
3.87%
+6.2% YoY
|
3.11%
+4.3% YoY
|
3.95%
+4.9% YoY
|
Bottom 13.7% in tier |
| Efficiency Ratio ? |
79.28%
+1.5% YoY
-1.4% QoQ
|
+19.55% |
59.73%
-12.6% YoY
|
78.52%
+3.6% YoY
|
70.05%
+2.5% YoY
|
Bottom 7.7% in tier |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.87% |
0.87%
+11.7% YoY
|
0.69%
-16.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
97.44%
+4.1% YoY
+1.8% QoQ
|
+12.40% |
85.04%
-0.1% YoY
|
81.90%
-3.2% YoY
|
79.03%
+2.3% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
13.71%
-2.4% YoY
+7.5% QoQ
|
-7.57% |
21.27%
-1.5% YoY
|
16.56%
-0.1% YoY
|
21.98%
-0.6% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.67% |
0.67%
+11.7% YoY
|
0.61%
-0.3% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.81%
-11.0% YoY
-3.2% QoQ
|
-1.03% |
14.84%
-0.4% YoY
|
19.31%
+2.7% YoY
|
17.09%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.09%
-60.8% YoY
+90.5% QoQ
|
-0.43% |
0.53%
+2.5% YoY
|
0.77%
-2.9% YoY
|
0.66%
+5.2% YoY
|
Bottom 8.7% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.7%
-0.3pp YoY +1.0pp QoQ |
-7.7pp | 21.4% | 16.6% | 22.2% | 22% |
| Brokered Deposits | n/a | n/a | 9.5% | 10.1% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.1%
+0.6pp YoY +0.2pp QoQ |
-11.9pp | 14.0% | 6.5% | 12.5% | 6% |
| CRE | n/a | n/a | 50.0% | 56.3% | 41.4% | n/a |
| 1-4 Family |
54.8%
-0.7pp YoY 0.0pp QoQ |
+28.4pp | 26.4% | 39.4% | 31.3% | 92% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 4.3% | 5.0% | 2% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 18.8% | 19.7% | n/a |
| Leverage Ratio |
13.8%
-1.7pp YoY -0.5pp QoQ |
+2.5pp | 11.3% | 13.4% | 12.6% | 89% |
| Total Capital Ratio | n/a | n/a | 16.7% | 19.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
116
-4 (-3.3%) YoY -1 (-0.9%) QoQ |
-198 | 313 | 336 | 482 | 12% |
| Assets per Employee ($) |
$10.3M
+13.4% YoY +4.9% QoQ |
-$231K | $10.5M | $11.2M | $8.8M | 68% |
| Branch Count |
14
0 YoY 0 QoQ |
-6 | 20 | 20 | 18 | 46% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.8% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 18.71x | 6.57x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.3% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.1%
-0.6pp YoY +0.1pp QoQ |
-10.5pp | 12.6% | 6.4% | 11.6% | 3% |
| Cost of Funds (YTD) |
1.8%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 1.9% | 1.9% | 1.7% | 42% |
| Net Income ($, YTD) |
$1.9M
-24.5% YoY — QoQ |
-$17.3M | $19.2M | $19.8M | $40.4M | 3% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.