United Roosevelt Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans to total assets climbed 3.98 percentage points in Q2 2026, from 79.99% to 83.96%. It was the largest change from Q1 2026 among the key lines here. Within New Jersey, United Roosevelt Savings Bank is 8th of 49 on loan-to-deposit ratio, 105.46% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. United Roosevelt Savings Bank sits 24.52 points higher, at 105.46% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $320.0M |
| Net loans and leases | $317.6M |
| Loans held for sale | $0 |
| Loans to total assets | 83.96% |
| Loan-to-deposit ratio | 105.46% |
| Net loans to equity capital | 9.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.29% |
| Multifamily (5+ residential) | 5.69% |
| Commercial and industrial | 11.82% |
| Consumer | 11.48% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 109.88% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.92% |
| Interest income on loans | $4.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $212.8M | $239.3M | 6.92% | 18.52% | 0.03% |
| Q4 2023 | $223.0M | $233.3M | 15.71% | 19.40% | 0.03% |
| Q1 2024 | $224.3M | $251.6M | 15.01% | 19.28% | 0.16% |
| Q2 2024 | $234.2M | $251.4M | 14.41% | 18.99% | 0.02% |
| Q3 2024 | $245.5M | $251.3M | 15.71% | 18.65% | 0.05% |
| Q4 2024 | $249.4M | $247.9M | 15.34% | 18.67% | 0.05% |
| Q1 2025 | $255.4M | $250.9M | 15.21% | 18.78% | 0.20% |
| Q2 2025 | $262.7M | $256.1M | 13.84% | 17.43% | 3.34% |
| Q3 2025 | $284.6M | $274.5M | 13.31% | 15.40% | 6.08% |
| Q4 2025 | $302.7M | $292.4M | 12.76% | 14.11% | 8.95% |
| Q1 2026 | $307.1M | $301.4M | 12.61% | 13.13% | 10.34% |
| Q2 2026 | $320.0M | $303.5M | 13.29% | 11.82% | 11.48% |
United Roosevelt Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Roosevelt Savings Bank, freeSource: Call Report Schedule RC-C, 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)