Regal Bank

570 West Mount Pleasant Avenue
Livingston, NJ 07039

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58574
Date Established 2007
Assets $0.52 billion
Loans $0.42 billion
Deposits $0.44 billion
Capital $0.05 billion

Regal Bank is an FDIC insured institution located in Livingston, NJ. It was founded in 2007 and has approximately $0.52 billion in assets. Customers can open an account at one of its 12 branches.

For a more detailed analysis of Regal Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 23, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.40% $5,000 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.30% $500 - Learn MoreShow Less
6 Mo CD
1.11% $500 - Learn MoreShow Less
12 Mo CD
1.26% $500 - Learn MoreShow Less
Special: 15 Mo CD
2.02% $500 - Learn MoreShow Less
18 Mo CD
1.06% $500 - Learn MoreShow Less
Special: 22 Mo CD
2.27% $500 - Learn MoreShow Less
24 Mo CD
1.76% $500 - Learn MoreShow Less
36 Mo CD
2.27% $500 - Learn MoreShow Less
48 Mo CD
1.51% $500 - Learn MoreShow Less
60 Mo CD
1.61% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.40% $500 - Learn MoreShow Less
Special: 15 Mo FIRA
2.02% $500 - Learn MoreShow Less
Special: 22 Mo FIRA
2.27% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.40% $100 - Learn MoreShow Less

Loan Rates - August 23, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Regal Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
3.546% 3.500% 0.13 $1,437 $1,123 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.522% 3.500% 0.25 $675 $1,123 Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.240 %
$0 Learn More
More Info

Note to Regal Bank
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Branches

Regal Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Regal Bank Locations


Financial Details

Regal Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Regal Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Regal Bank U.S. Bank Average
1.29% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Regal Bank had $722,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $50,682,000 in equity and $5,354,000 in loans loss reserves. That gives it a Texas Ratio of 1.29%.

Return on Equity
Regal Bank U.S. Bank Average
2.71% 9.47%

Regal Bank has a Return on Equity of 2.71% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Regal Bank U.S. Bank Average
9.66% 12.49%

Regal Bank has a Capitalization of 9.66% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Regal Bank Balance Sheet Analysis

As of March 31, 2019, Regal Bank had assets of $524,651,000, loans of $416,350,000, and deposits of $437,319,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.04 billion
Interest-bearing balances $0.03 billion
Total securities $0.06 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.42 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.47 billion
LIABILITIES
Total deposits $0.44 billion
      Interest-bearing deposits $0.36 billion
      Deposits held in domestic offices $0.44 billion
      % insured (estimated) 79.41%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.47 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Regal Bank’s loan portfolio are Multifamily Mortgages, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in New Jersey, Regal Bank has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 4.80
Multifamily
Mortgages
53.06
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 41.66
Commercial and Industrial Loans 1.63
Farm Loans 0.00

Frequently Asked Questions About Regal Bank

Branches and Savings

Is Regal Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58574.

Why does Regal Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Regal Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Regal Bank a commercial bank?

Yes

Where are Regal Bank locations?

See branch locations nearby.

Is Regal Bank open on Saturdays?

Is Regal Bank open on Sundays?

What time does Regal Bank open?

What time does Regal Bank close?

Are Regal Bank ATMs Open 24/7?

Do Regal Bank ATMs accept cash deposits?

Can Regal Bank customers use other ATMs?

Do Regal Bank branches have notaries?

Will Regal Bank notarize my document?

What address for Regal Bank should I put for incoming ACH transfers?

Will the Regal Bank branch print checks?

Do Regal Bank checks expire?

Does Regal Bank require US citizenship to open account?

Can Regal Bank close my account?

Does Regal Bank Report to credit bureaus?

Does Regal Bank Use Equifax?

What is Regal Bank's ACH Routing Number?

What is Regal Bank's SWIFT code?

Products

Does Regal Bank offer mortgages?

Compare mortgage rates here.

Does Regal Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Regal Bank offer personal loans?

Compare personal loan rates here.

Does Regal Bank offer student loans?

Will Regal Bank cash a check?

Will Regal Bank redeem a savings bond?

Does Regal Bank cash savings bonds?

Will Regal Bank cash money orders?

Can Regal Bank issue a money order?

Does Regal Bank do currency exchange?

Background on The Bank

Who owns Regal Bank?

How long has Regal Bank been around?

Can Regal Bank transfer to other banks?

Does Regal Bank have quick pay?

Does Regal Bank accept rolled coins?

Will Regal Bank accept loose change?

Where is Regal Bank headquarters?

Customer Reviews for Regal Bank


  • JoeFox

    August 30, 2017 |

    Terrible customer service. Extreme inconvenience. Manager hung-up in my face when I tried to proactively find solution rather than him proactively making sure customer satisfaction happens. Hope he loses his jobs when this place shuts down for ancient and irrelevant banking

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