| Metric | Somerset Regal Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +5.5% | +4.2 pts |
| Deposit growth (YoY) | +8.7% | +5.1% | +3.6 pts |
| Loan growth (YoY) | +13.1% | +5.9% | +7.2 pts |
| ROA | 0.34% | 1.26% | -0.9 pts |
| ROE | 2.1% | 12.2% | -10.0 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.19B | $925.1M | $901.4M | $178.2M | $1.9M | 0.34% | 2.96% | 0.00% |
| Q1 2026 | $1.14B | $897.5M | $859.1M | $181.3M | $942K | 0.33% | 2.97% | 0.02% |
| Q4 2025 | $1.14B | $895.4M | $835.4M | $185.0M | $4.2M | 0.39% | 2.99% | 0.02% |
| Q3 2025 | $1.11B | $872.2M | $826.4M | $189.5M | $3.3M | 0.41% | 2.99% | 0.00% |
| Q2 2025 | $1.08B | $851.4M | $797.2M | $188.0M | $2.6M | 0.48% | 2.98% | 0.00% |
| Q1 2025 | $1.07B | $840.0M | $780.8M | $190.3M | $482K | 0.18% | 2.94% | 0.00% |
| Q4 2024 | $1.06B | $831.7M | $775.8M | $188.9M | $279K | 0.03% | 3.23% | 0.00% |
| Q3 2024 | $1.05B | $831.4M | $767.7M | $189.0M | $-731K | -0.09% | 3.32% | 0.00% |
Loan mix (Q2 2026): real estate $888.3M · commercial $19.0M · consumer $61K · securities $131.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Somerset Regal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 1.26% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 12.2% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.3% | 59.0% | 92nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Somerset Regal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Somerset Regal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Somerset Regal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Somerset Regal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Somerset Regal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
14 branches in 6 counties across 1 state (-1 vs 2024) · $851.4M branch deposits. Biggest market: Somerset, NJ, ranked 11th with 2.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Somerset, NJ | 5 | $364.6M | 2.02% | 11th |
| Essex, NJ | 4 | $233.5M | 0.78% | 17th |
| Hunterdon, NJ | 2 | $133.6M | 2.18% | 13th |
| 3 more counties with Pro → | ||||
New Jersey: 42nd with 0.19% · New York-Newark-Jersey City metro: 91st, 0.03% ·
Branch count: 2022 7 · 2023 7 · 2024 15 · 2025 14