BlastPoint's Banking Scorecard
Somerset Regal Bank
Community
Specialty: Commercial
NJ
FDIC cert 28778
Bound Brook, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
Somerset Regal Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 35% in Community
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3% in Community
- - Credit Risk Growth: Bottom 29% in Community
- - Liquidity Strain: Bottom 36% in Community
- - Return on Assets 0.78% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+7.5% YoY
+3.0% QoQ
|
-$248.8M |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$835.4M
+7.7% YoY
+1.1% QoQ
|
-$140.1M |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$895.4M
+7.7% YoY
+2.7% QoQ
|
-$269.2M |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
0.39%
-5.2% QoQ
|
-0.78% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
2.99%
-7.5% YoY
+0.0% QoQ
|
-0.68% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
79.98%
+3.0% YoY
+0.6% QoQ
|
+17.34% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? | 0.02% | -0.61% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
Top 8% in tier |
| Loan-to-Deposit Ratio ? |
93.30%
+0.0% YoY
-1.5% QoQ
|
+10.24% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
14.02%
+13.7% YoY
+2.3% QoQ
|
-7.02% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? | 0.02% | -0.48% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
Top 8% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.32%
+45.6% YoY
+14.6% QoQ
|
-0.42% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#132 of 371 · Top 35% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.02%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Nonperforming Asset Ratio
metric
Top 8%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (4)
Credit Quality Pressure
risk
#22 of 808 · Bottom 3% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.02%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#188 of 642 · Bottom 29% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Liquidity Strain
risk
#186 of 513 · Bottom 36% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
93.30%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.39%
(Tier avg: 1.16%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
92
92th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
60
60th pctile
Total Loans
Current: $835.4M · Tier avg: $975.5M
58
58th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
53
53th pctile
Total Deposits
Current: $895.4M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Loan-to-Deposit Ratio
Current: 93.30% · Tier avg: 83.06%
26
26th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.02% · Tier avg: 21.05%
17
17th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.66%
10
10th pctile
Efficiency Ratio
Current: 79.98% · Tier avg: 62.63%
8
8th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.16%
Top Weaknesses
8
8th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.16%
10
10th pctile
Efficiency Ratio
Current: 79.98% · Tier avg: 62.63%
17
17th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.66%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.02% · Tier avg: 21.05%
26
26th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
26
26th pctile
Loan-to-Deposit Ratio
Current: 93.30% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
53
53th pctile
Total Deposits
Current: $895.4M · Tier avg: $1.2B
58
58th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
60
60th pctile
Total Loans
Current: $835.4M · Tier avg: $975.5M
92
92th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%