United Roosevelt Savings Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
In Q2 2026, Retained earnings edged up by 1.6%, from $20.6M to $20.9M, the largest move among the key lines here. United Roosevelt Savings Bank ranks 24th of 37 New Jersey banks on CET1 ratio, in the lower half at 13.29% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. United Roosevelt Savings Bank sits 1.78 points lower, at 13.29% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.29% |
| Tier 1 risk-based capital ratio | 13.29% |
| Total risk-based capital ratio | 14.27% |
| Tier 1 leverage ratio | 9.11% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $34.6M |
| Tier 1 capital | $34.6M |
| Total risk-based capital | $37.1M |
| Total equity capital | $33.9M |
| Risk-weighted assets | $260.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.90% |
| Tangible equity to tangible assets | 8.90% |
| Equity capital to average assets | 8.93% |
| Internal capital growth rate | 3.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $15.7M |
| Retained earnings | $20.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$666K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.71% | 12.71% | 13.51% | 9.22% | $186.2M |
| Q4 2023 | 12.55% | 12.55% | 13.32% | 8.72% | $193.2M |
| Q1 2024 | 12.42% | 12.42% | 13.16% | 8.56% | $197.3M |
| Q2 2024 | 12.03% | 12.03% | 12.77% | 8.31% | $204.9M |
| Q3 2024 | 11.61% | 11.61% | 12.33% | 8.01% | $214.4M |
| Q4 2024 | 11.87% | 11.87% | 12.58% | 8.05% | $213.4M |
| Q1 2025 | 11.86% | 11.86% | 12.58% | 8.06% | $215.4M |
| Q2 2025 | 11.90% | 11.90% | 12.70% | 7.90% | $219.2M |
| Q3 2025 | 11.09% | 11.09% | 11.96% | 7.71% | $237.0M |
| Q4 2025 | 10.64% | 10.64% | 11.58% | 7.38% | $249.6M |
| Q1 2026 | 13.47% | 13.47% | 14.43% | 8.94% | $257.1M |
| Q2 2026 | 13.29% | 13.29% | 14.27% | 9.11% | $260.3M |
United Roosevelt Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock United Roosevelt Savings Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full United Roosevelt Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29170) · FFIEC NIC profile (RSSD 644776)