Bank · FDIC insured
Somerset Regal Bank
A $1.2B bank headquartered in Bound Brook, NJ, with 14 branches in New Jersey. Best rates: CDs 2.50% and savings 3.35% APY.
Somerset Regal Bank Carrot Score
70
Carrot Score
Higher than 25% of U.S. banks and credit unions
#115 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Somerset Regal Bank
Founded in 1887, Somerset Regal Bank operates 14 branches across Essex, Hunterdon, Middlesex, Morris, Somerset, and Union counties in New Jersey.
- Headquarters
- 220 W Union Ave, Bound Brook, NJ 08805
- FDIC certificate
- 28778 ↗
Branches
14 branches in New Jersey
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New Jersey
14 branches
- Somerset Regal BankMain office220 W Union Ave, Bound Brook, NJ 08805Directions
- Flemington141 Broad St, Flemington, NJ 08822Directions
- Florham Park Branch39 Columbia Tpke, Florham Park, NJ 07932Directions
- Mount Pleasant Avenue Branch Office66 W Mount Pleasant Ave, Livingston, NJ 07039Directions
- Manville Branch41 S Main St, Manville, NJ 08835Directions
- Middlesex1305 Bound Brook Rd, Middlesex, NJ 08846Directions
- Millburn Branch290 Millburn Ave, Millburn, NJ 07041Directions
- Raritan802 Somerset Street, Raritan, NJ 08869Directions
- Roseland Branch180 Eagle Rock Ave, Roseland, NJ 07068Directions
- Franklin Township Branch464 Elizabeth Ave, Somerset, NJ 08873Directions
- Somerville64 W End Ave, Somerville, NJ 08876Directions
- Springfield Branch899 Mountain Avenue, Springfield, NJ 07081Directions
- West Orange Branch641 Eagle Rock Ave, West Orange, NJ 07052Directions
- Whitehouse Branch410 Us 22, White House Station, NJ 08889Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 13.81% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.00% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.34% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $98 | $88 | — |
- CapitalLeverage ratio13.81%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.34%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$98Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Somerset Regal Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.