United Roosevelt Savings Bank

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

$381.2MAssets

$320.0MLoans

$303.5MDeposits

$33.9MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 83% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 6 of 30).
Widest gap: equity / assets trails 90% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 28 of 31).
Overall: at or above the peer median on 4 of 9 directional measures.

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

Unfavorable gap of $7.9M · efficiency ratio beats 65% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
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