UNITED ROOSEVELT SAVINGS BANK

CARTERET, NJ | Small | Est. Jan. 1, 1914, midnight | FDIC #29170 | RSSD #644776 | FDIC
Latest Report: 2025-12-31

UNITED ROOSEVELT SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in CARTERET, NJ, established in Jan. 1, 1914, midnight. As of 2025-12-31, the bank reported total assets of $368M and total deposits of $292M. Profitability stands at 0.28% ROA and 3.94% ROE, with a net interest margin of 2.92%. The bank's CET1 capital ratio is 10.64%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 0.43%. FDIC Certificate #29170.

Assets

$368M

Deposits

$292M

Loans

$303M

Equity

$26M

Profitability

Return on Assets (ROA) 0.28%
Return on Equity (ROE) 3.94%
Net Interest Margin (NIM) 2.92%
Yield on Assets 5.79%
Cost of Funds 2.86%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio -0.02%
Texas Ratio 0.43%
NPA Ratio 0.03%
ACL / Loans 0.75%

Capital & Liquidity

CET1 Ratio 10.64%
Tier 1 Capital 10.64%
Total Capital Ratio 11.58%
Leverage Ratio 7.38%
Loan-to-Deposit 103.55%

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