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 | |