United Roosevelt Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Roosevelt Savings Bank of Carteret, NJ against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.35% | 1.35% | -1.00% | 9th bottom |
| ROAE | 3.91% | 13.33% | -9.42% | 11th bottom |
| Net Interest Margin | 2.95% | 3.93% | -0.98% | 9th bottom |
| Efficiency Ratio | 80.14% | 61.12% | +19.02% | 14th bottom |
| PPNR / Avg Assets | 0.57% | 1.68% | -1.11% | 10th bottom |
| Yield on Earning Assets | 5.68% | 5.67% | +0.01% | 54th above |
| Cost of Funds | 2.80% | 1.88% | +0.92% | 9th bottom |
| Net Interest Spread | 2.70% | 3.32% | -0.62% | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.43% | 0.94% | -0.51% | 48th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.36% | 0.70% | -0.34% | 46th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 23rd bottom |
| ACL / Total Loans | 0.77% | 1.28% | -0.51% | 9th bottom |
| ACL / NPLs (Coverage) | 177.14% | 1546.67% | -1369.53% | 44th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.81% | 7.34% | -3.53% | 48th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 475.00% | 1395.38% | -920.38% | 72nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.29% | 19.49% | -6.20% | 31st below |
| Tier 1 Ratio | 13.29% | 19.52% | -6.23% | 31st below |
| Total Capital Ratio | 14.27% | 20.61% | -6.34% | 30th below |
| Leverage Ratio | 9.11% | 12.14% | -3.03% | 14th bottom |
| Equity / Assets | 8.90% | 11.37% | -2.47% | 26th below |
| TCE / Tangible Assets | 8.90% | 11.08% | -2.18% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 105.46% | 80.65% | +24.81% | 6th bottom |
| Core Deposit Ratio | 66.98% | 86.86% | -19.88% | 4th bottom |
| Wholesale Funding Ratio | 10.80% | 5.03% | +5.77% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 17.20% | 6.84% | +10.36% | 93rd top |
| Loan Growth (Y/Y) | 21.82% | 7.91% | +13.91% | 94th top |
| Deposit Growth (Y/Y) | 18.51% | 6.28% | +12.23% | 93rd top |
See United Roosevelt Savings Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Roosevelt Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full United Roosevelt Savings Bank profile, how to read a UBPR, or how this data updates.