Regal Bank

570 West Mount Pleasant Avenue
Livingston, NJ 7039
973-716-0600
www.regalbanknj.com

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Regal Bank is headquartered in Livingston and is the 74^th largest bank in the state of New Jersey. It is also the 2,733^rd largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 35 employees at 4 locations. Regal Bank's money market rates are 48% higher than the national average, and it boasts a 5-star health rating.

Regal Bank Routing Number: 021214435

High Interest Savings Accounts and CDs at Regal Bank in Northern NJ - Local Only - 5/13/2011

My last report on Regal Bank was in 2009 when I first reported on this bank's savings account and CDs. The rates have fallen, but they remain very competitive. The best deals for the CDs are the terms ...

2.38% 18-Month CD at Regal Bank in Northern New Jersey - Local Only - 10/21/2009

Regal Bank is offering some competitive CD and savings account rates. The most competitive CD rate is 2.38% APY for an 18-month term. There's also a 2.02% APY 12-month CD. Minimum deposit is $500. There's also a competitive statement savings account that...

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See Rates for: Checking | Savings | Money Market | CD

Regal Bank Checking Account Rates

	Apy	Min	Max	Product
	0.65%	$500	-	NOW Account

Regal Bank Savings Account Rates

Apy	Min	Max	Product
0.65%	$500	-	Special Statement Savings
0.65%	-	-	Business Statement Savings

Regal Bank Money Market Rates

Apy	Min	Max	Product
0.65%	$500	-	Personal Money Market
0.65%	-	-	Business Money Market

Regal Bank CD Rates

Apy	Min	Max	Product
1.00%	$500	-	12 Month CD
1.00%	$500	-	18 Month CD
1.00%	$500	-	48 Month CD
1.00%	$500	-	60 Month CD

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Regal Bank
FDIC Certificate #	58574
BankRate Report	View
Year Established	2007
Employees	35
Primary Regulator	FDIC
Assets and Liabilities
Assets	$234.63 million
Loans	$183.60 million
Deposits	$208.75 million
Equity Capital	$24.38 million
Loan Loss Allowance	$2.18 million
Unbacked Noncurrent Loans	$683,000
Historic Data - March 2011
Assets	$174.90 million
Equity Capital	$14.97 million
Loan Loss Allowance	$1.58 million
Unbacked Noncurrent Loans	$42,000
Profit Margin - Quarterly
Net Interest Margin	4.31%
Return on Assets	0.49%
Return on Equity	4.59%
Interest Income	$2.64 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Regal Bank had $683,000 in non-current loans and owned real-estate with $26.56 million in equity and loan loss allowances on hand to cover it. This gives Regal Bank a Texas Ratio of 2.57% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Regal Bank held steady from 0.25% as of March 31, 2011 to 2.57% as of March 31, 2012, resulting in a negative change of 913.71%. This indicates that the balance sheet and financial strength for Regal Bank has held steady in recent periods.
Deposit Growth
In the past year, Regal Bank has increased its total deposits by $49.33 million, resulting in 30.94% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Regal Bank has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Regal Bank has $234.63 million in assets with $26.56 million in equity, resulting in a capitalization level of 11.32%, which is above average.