Compared with New Jersey
1 of 12
compared fees are above the median.
6 below, 5 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
62nd percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the New Jersey median
of 12 compared; 6 below, 5 about the same
See the feesFee schedule read Nov 2, 2026
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 | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the New Jersey median | Published fees above the New Jersey 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
Service charges were 2.7% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (62nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
1 of 12 compared published fees sit above the New Jersey median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with New Jersey medians for fees published by banks and credit unions.
NSF / Returned Item
Compared at $24.50, the middle of its prices
Wire Transfer (Domestic Out)
Stop Payment
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.
Service-charge income rose 1.7% from Q3 2025 to Q2 2026, to $234K. Its share of revenue, 2.7%, is above the 2.2% median for banks with $1B to $10B in assets.
$234K
Somerset Regal BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
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.
| 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.
Peer pricing snapshot
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.
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.
Call reports for Somerset Regal Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| 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% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Somerset Regal Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Somerset Regal Bank by share.
Amounts from Somerset Regal Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Research Fee, per hour | $25.00
per hour · Statement Reconciliation Assistance, per hour | $25.00
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive Account Charge, per month | $6Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $34Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft/NSF Charge, per item if the amount of the individual item is $35.00 or less | $15Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Lost Debit Card Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer Fee, per domestic wire | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Bank Check Fee, per check | $6Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Charge, per item | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Collection Fee (for incoming collection of a Somerset Regal Bank Account) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of Check Paid Fee, per check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Paid Bank Check, per item | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Paid Money Order, per item | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Items Returned fee, per item | $12Inside the U.S. middle 50% ($8.88 to $25 nationally) | 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 | $60Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Copy of a 1099 Form Fee, per form | $6Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Interim Statement fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy of Monthly Statement fee, per statement | $5Not compared: Monthly charge, not per item | per month | None |
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.
Where Somerset Regal Bank operates, and what regulators and customers have on file.
Branch footprint
14 offices in 1 state, $925.1M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 14 | $925.1M |
New York-Newark-Jersey City, NY-NJ
0% of bank deposits, #77 of 151, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 34.1% |
| Goldman Sachs Bank USA | 9.6% |
| The Bank of New York Mellon | 8.8% |
| Morgan Stanley Private Bank, National Association | 7.2% |
| Bank of America, National Association | 6.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In New York-Newark-Jersey City, NY-NJ, Somerset Regal Bank holds 0% of bank deposits, #77 of 151, with 14 offices.
900 offices of 15 institutions shown.
Showing 900 of 4,574 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 151 institutions shown. $2.9T in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0% share, 14 offices, #77 of 151
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
517 offices of 199 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve and New Jersey Department of Banking and Insurance
The Federal Reserve and New Jersey Department of Banking and Insurance have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve and New Jersey Department of Banking and Insurance, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
SR Bancorp, Inc. (Nasdaq: SRBK)
Consolidated assets
$1.2B
Shareholders' equity
$181.8M
As of
2026Q2
Net income by quarter
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 1951276. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.