Carteret, NJ · Cert 29170 · Ursb Bcorp Inc.
SI · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
23
Asset Quality
55
Profitability
51
Liquidity
34
Efficiency
65
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Carteret, NJ · Cert 29170 · Ursb Bcorp Inc.
SI · FDIC · 2 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #110 of 151 inst. · $0.3B of $2921.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.28% | 0.26% | 0.22% | 0.23% | 0.24% | 0.55% | 0.45% | +23 bps | |
| Return on Equity | 3.72% | 3.56% | 3.43% | 2.91% | 3.03% | 3.26% | 6.91% | 5.43% | +252 bps | |
| Net Interest Margin | 2.51% | 2.49% | 2.65% | 2.56% | 2.55% | 2.49% | 2.73% | 2.77% | +22 bps | |
| Efficiency Ratio | 83.14% | 84.00% | 80.91% | 81.77% | 80.08% | 77.85% | 71.65% | 75.87% | -590 bps | |
| Non-Interest Burden | 2.08% | 2.08% | 2.13% | 2.08% | 2.02% | 1.91% | 1.92% | 2.07% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.93% | 12.23% | 9.86% | 9.03% | 11.47% | 16.50% | 20.78% | 17.20% | +818 bps | |
| Loan Growth (YoY) | 15.38% | 11.82% | 13.87% | 12.19% | 15.90% | 21.38% | 20.26% | 21.82% | +963 bps | |
| Deposit Growth (YoY) | 5.01% | 6.24% | -0.28% | 1.84% | 9.22% | 17.95% | 20.15% | 18.51% | +1,667 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.35% | 0.03% | 0.04% | 0.05% | 0.04% | 0.03% | 0.03% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | -0.14% | -0.07% | -0.04% | -0.02% | 0.00% | 0.03% | +10 bps | |
| Allowance / Loans | 0.55% | 0.55% | 0.57% | 0.63% | 0.69% | 0.75% | 0.77% | 0.77% | +14 bps | |
| Allowance Coverage of NPLs | 4.4x | 1.6x | 18.6x | 14.1x | 13.5x | 18.8x | 23.4x | 26.4x | +12.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.01% | 8.05% | 8.06% | 7.90% | 7.71% | 7.38% | 8.94% | 9.11% | +121 bps | |
| Total Risk-Based Capital | 12.33% | 12.58% | 12.58% | 12.70% | 11.96% | 11.58% | 14.43% | 14.27% | +157 bps | |
| Equity / Assets | 7.45% | 7.51% | 7.59% | 7.60% | 7.12% | 7.09% | 8.87% | 8.90% | +131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.69% | 100.61% | 101.78% | 102.60% | 103.67% | 103.55% | 101.88% | 105.46% | +286 bps | |
| Liquid Assets / Assets | 13.83% | 10.91% | 10.13% | 8.35% | 6.61% | 5.26% | 7.48% | 3.58% | -477 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 223% | 216% | 165.30% | n/a | n/a | |
Carteret, NJ · Cert 29170 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31) · Ursb Bcorp Inc.
SI · FDIC · 2 branches
Q2 2026
Return on Assets
0.45%
Rank 14 of 31
Net Interest Margin
2.77%
Rank 23 of 31
Efficiency Ratio
75.87%
Rank 12 of 31
Equity / Assets
8.90%
Rank 28 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.45% | -0.02% | 0.39% | 0.84% | Beats 55% | 14 / 31 | ||
| Return on Equity | 5.02% | -0.19% | 2.57% | 5.72% | Beats 71% | 9 / 31 | ||
| Net Interest Margin | 2.77% | 2.51% | 3.30% | 3.85% | Beats 26% | 23 / 31 | ||
| Efficiency Ratio | 75.87% | 68.41% | 83.66% | 91.76% | Beats 65% | 12 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.03% | 0.18% | 0.47% | 2.65% | Beats 83% | 6 / 30 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | n/a | 0.02% | Beats 27% | 23 / 30 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.29% | 13.24% | 15.54% | 26.77% | Beats 26% | 23 / 31 | ||
| Total Risk-Based Capital Ratio | 14.27% | 14.07% | 16.32% | 26.77% | Beats 32% | 21 / 31 | ||
| Equity / Assets | 8.90% | 10.38% | 13.26% | 17.83% | Beats 10% | 28 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 105.46% | 84.03% | 94.98% | 103.65% | 81st pctl | 6 / 31 | ||
| Loans / Assets | 83.96% | 61.61% | 75.31% | 83.78% | 77th pctl | 7 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||