United Roosevelt Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
United Roosevelt Savings Bank is an FDIC-insured savings bank headquartered in Carteret, NJ, established in 1914 (FDIC certificate 29170), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $381.2M, up 17.2% from Q2 2025, the 39th largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 13.29% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29170
- Headquarters
- Carteret, NJ
- Established
- 1914
- Total assets, Q2 2026
- $381.2M
- Assets vs Q2 2025
- +17.2%
- CET1 ratio, Q2 2026
- 13.29%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 221270240
- Latest call report
- Q2 2026, FFIEC 041 · United Roosevelt Savings Bank call report
- Holding company
- URSB BANCORP, INC.
- Asset rank in state
- 39th of 49 in New Jersey
United Roosevelt Savings Bank spends more to run itself than most banks of its size. Its balance sheet stood at $381 million at June 30, 2026, up 17.2% from a year earlier; it is based in Carteret, New Jersey. It earns about $0.35 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 2.95 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $332,000, 126% above the same quarter a year earlier. Over the same year, loans grew 21.8% and deposits grew 18.5%. Funding is the softer spot: it pays an average of 2.80% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, United Roosevelt Savings Bank reported a CET1 capital ratio of 13.29%, a return on assets of 0.35%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.26%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, United Roosevelt Savings Bank is the 39th largest of the 49 banks headquartered in New Jersey. From Q1 2026 to Q2 2026, its total assets fell 0.7% to $381.2M, loans rose 4.2% and deposits rose 0.7%. 1-4 family residential loans made up 57.7% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 11.8%. Its 2 offices in the FDIC Summary of Deposits are in Carteret, NJ. By the capital ratios in its Q2 2026 call report, United Roosevelt Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 11-15 Cooke Ave, Carteret, NJ 07008
- County
- Middlesex
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1914
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $303.5M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $48K
- Average total assets
- $379.9M
- Average total loans
- $305.4M
- Average interest-bearing deposits
- $278.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29170
- Fed RSSD
- 644776
- SEC CIK
- 2084261 → filed by URSB BANCORP, INC.
- Website
- ursb.bank →
- Parent Holding Company
- URSB BANCORP, INC. (RSSD 2589666) · URSB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Kenneth R. Totten | CEO | President & CEO |
| Van Steyn David | CFO | CFO & Treasurer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, United Roosevelt Savings Bank's total assets ranged from $275.2M (Q3 2023) to $384.0M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$381.2M total assets against $325.2M; $347.2M total liabilities against $300.5M.
$317.6M net loans and leases against $261.1M; $303.5M total deposits against $256.1M.
$37.3M securities against $36.3M; $6.0M cash and balances due against $12.7M.
$5.0M total interest income against $4.2M; $2.4M total interest expense against $2.1M.
$2.6M net interest income against $2.1M.
$112K total noninterest income against $76K; $2.2M total noninterest expense against $1.8M.
$120K provision for credit losses against $198K.
$332K net income against $147K.
0.35% return on assets against 0.18%; 2.95% net interest margin against 2.65%.
13.29% CET1 capital ratio against 11.90%; 9.11% tier 1 leverage ratio against 7.90%.
Inside the full United Roosevelt Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
United Roosevelt Savings Bank rankings
Its closest position to the top of a national ranking is 2,134 of 4,196, for total assets; its furthest is 3,367 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.18% (Q2 2025) to 0.54% (Q1 2026) and its net interest margin ran from 2.61% (Q4 2024) to 2.95% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.29% | 0.35% | 0.03% | 0.26% | 2.95% |
| Q1 2026 | 13.47% | 0.54% | 0.03% | 0.28% | 2.87% |
| Q4 2025 | 10.64% | 0.28% | 0.04% | 0.43% | 2.82% |
| Q3 2025 | 11.09% | 0.24% | 0.05% | 0.53% | 2.82% |
| Q2 2025 | 11.90% | 0.18% | 0.04% | 0.44% | 2.65% |
| Q1 2025 | 11.86% | 0.26% | 0.03% | 0.30% | 2.76% |
| Q4 2024 | 11.87% | 0.23% | 0.35% | 3.49% | 2.61% |
| Q3 2024 | 11.61% | 0.32% | 0.12% | 1.22% | 2.66% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| United Roosevelt Savings Bank (main office) | Carteret , NJ | 07008 | $276.5M |
| Roosevelt Avenue Branch Office | Carteret , NJ | 07008 | $26.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS)); 2 against individuals associated with it
- April 14, 1990, OCC (former OTS): Cease and Desist: United Savings Bank, S.L.A.
- Period: Most recent institution action April 14, 1990. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NJ, rank 62 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about United Roosevelt Savings Bank
What are United Roosevelt Savings Bank's total assets?
As of the Q2 2026 filing, United Roosevelt Savings Bank reported total assets of $381.2 million in its FFIEC call report.
Where is United Roosevelt Savings Bank headquartered?
It is headquartered in Carteret, NJ, United States.
When was United Roosevelt Savings Bank founded?
It was established in 1914, per the FDIC institution directory.
Is United Roosevelt Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #29170). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Roosevelt Savings Bank?
United Roosevelt Savings Bank's primary federal regulator is the FDIC.
What is United Roosevelt Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.29% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does United Roosevelt Savings Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Roosevelt Savings Bank's Texas Ratio?
Its Texas Ratio is 0.26% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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