Somerset Regal Bank

Headquarters: Bound Brook, New Jersey
Charter: Bank
Assets: $1.2B
Fed district: New York
Regulator: FDIC
Holding company: Sr Bancorp Inc.

12 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 2, 2026

How these figures are measured

Call-report figures are for Somerset Regal Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Somerset Regal Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Somerset Regal Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $234K in Q2 2026, 4.5% above the same quarter a year earlier ($224K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
Compared at $24.50, the middle of its prices
Somerset Regal Bank: $15 to $34
Somerset Regal Bank: $15 to $34
U.S. median: no median
Wire Transfer (Domestic Out)
Somerset Regal Bank: $25
Somerset Regal Bank: $25
U.S. median: no median
Stop Payment
Somerset Regal Bank: $25
Somerset Regal Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Jersey, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New Jersey: Banks and credit unions headquartered in New Jersey that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 1.7% from Q3 2025 to Q2 2026, to $234K.

Service-charge income, Q2 2026

$234K

$230KQ3 2025

$224KQ4 2025

$218KQ1 2026

$234KQ2 2026

Against the median

Somerset Regal BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Somerset Regal Bank · $1.2B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$1.2B in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Somerset Regal Bank(this institution)	Bound Brook, NJ	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Bank of Pontiac	Pontiac, IL	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Citizens Bank	Mukwonago, WI	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Citizens Bank & Trust	Guntersville, AL	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Bank of Las Cruces	Las Cruces, NM	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Citizens State Bank	Somerville, TX	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community National Bank	Derby, VT	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Dime Bank	Norwich, CT	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Evolve Bank & Trust	West Memphis, AR	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
FIDELITY BANK	New Orleans, LA	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Bankers Trust Company, National Association	Quincy, IL	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First General Bank	Rowland Heights, CA	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First National Bank and Trust Company of Newtown	Newtown, PA	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Helm Bank USA	Miami, FL	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Katahdin Trust Company	Patten, ME	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mid America Bank	Jefferson City, MO	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Montgomery Bank	Sikeston, MO	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
MutualOne Bank	Framingham, MA	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
PeoplesSouth Bank	Colquitt, GA	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Pilot Grove Savings Bank	Pilot Grove, IA	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pointbank	Pilot Point, TX	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Provident Savings Bank, F.S.B.	Riverside, CA	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Reading Co-operative Bank	Reading, MA	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Solvay Bank	Solvay, NY	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Southwest Missouri Bank	Carthage, MO	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The First National Bank of Hutchinson	Hutchinson, KS	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Somerset Regal Bank does not publish a monthly maintenance fee in the index.

The peer median is $7.95 among 15 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 23, 2026.

Monthly maintenance fee in dollars, one mark per institution

Somerset Regal Bank does not publish a monthly maintenance fee, so it is not on this chart.

Somerset Regal BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 23, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Somerset Regal Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: $234K
vs prior quarter: +$16K+7.3%; from Q1 2026
vs a year earlier: +$10K+4.5%; from Q2 2025
vs start of range: −$62K−20.9%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Somerset Regal Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$234K	+$16K	+7.3%
Q1 2026	$218K	−$6K	−2.7%
Q4 2025	$224K	−$6K	−2.6%
Q3 2025	$230K	+$6K	+2.7%
Q2 2025	$224K	+$5K	+2.3%
Q1 2025	$219K	−$37K	−14.5%
Q4 2024	$256K	−$40K	−13.5%
Q3 2024	$296K	+$54K	+22.3%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Somerset Regal Bank’s own schedules, with a source for each figure.

Account Maintenance

Inactive Account Charge, per month$6
per month
Research Fee, per hour$25
Not compared: Charged per hour; comparison unavailable
per hour · Research Fee, per hour | $25.00
Statement Reconciliation Assistance, per hour$25
Not compared: Charged per hour; comparison unavailable
per hour · Statement Reconciliation Assistance, per hour | $25.00

Overdraft & NSF

Charge to Return Check for NSF, per item$34
per item
Overdraft/NSF Charge, per item if the amount of the individual item is $35.00 or less$15
per item

ATM & Card

Lost Debit Card Fee$5

Wire Transfers

Outgoing Wire Transfer Fee, per domestic wire$25

Check Services

Bank Check Fee, per check$6
per item
Money Order Stop Payment$25
per item
Stop Payment Charge, per item$25
per item
Collection Fee (for incoming collection of a Somerset Regal Bank Account)$25
Copy of Check Paid Fee, per check$5
per item
Copy of Paid Bank Check, per item$5
per item
Copy of Paid Money Order, per item$5
per item

Cash & Deposit

Deposited Items Returned fee, per item$12
per item

Account Services

Lost Safe Deposit Key Fee, 1 key$5
Not compared: Box drilling or key fee
Lost Safe Deposit Key Fee, 2 keys$80
Not compared: Box drilling or key fee
Charge for Legal Process$60

Retirement & IRA

IRA Transfer Fee$25

Other Fees

Copy of a 1099 Form Fee, per form$6
Interim Statement fee$5
Photocopy of Monthly Statement fee, per statement$5
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Inactive Account Charge, per month	$6	per month	None
Research Fee, per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	Research Fee, per hour \| $25.00
Statement Reconciliation Assistance, per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	Statement Reconciliation Assistance, per hour \| $25.00
Overdraft & NSF
Charge to Return Check for NSF, per item	$34	per item	None
Overdraft/NSF Charge, per item if the amount of the individual item is $35.00 or less	$15	per item	None
ATM & Card
Lost Debit Card Fee	$5	Not stated	None
Wire Transfers
Outgoing Wire Transfer Fee, per domestic wire	$25	Not stated	None
Check Services
Bank Check Fee, per check	$6	per item	None
Money Order Stop Payment	$25	per item	None
Stop Payment Charge, per item	$25	per item	None
Collection Fee (for incoming collection of a Somerset Regal Bank Account)	$25	Not stated	None
Copy of Check Paid Fee, per check	$5	per item	None
Copy of Paid Bank Check, per item	$5	per item	None
Copy of Paid Money Order, per item	$5	per item	None
Cash & Deposit
Deposited Items Returned fee, per item	$12	per item	None
Account Services
Lost Safe Deposit Key Fee, 1 key	$5Not compared: Box drilling or key fee	Not stated	None
Lost Safe Deposit Key Fee, 2 keys	$80Not compared: Box drilling or key fee	Not stated	None
Charge for Legal Process	$60	Not stated	None
Retirement & IRA
IRA Transfer Fee	$25	Not stated	None
Other Fees
Copy of a 1099 Form Fee, per form	$6	Not stated	None
Interim Statement fee	$5	Not stated	None
Photocopy of Monthly Statement fee, per statement	$5Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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