United Roosevelt Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 7.66 percentage points in Q2 2026, from 169.48% to 177.14%. It was the largest change from Q1 2026 among the key lines here. Within New Jersey, United Roosevelt Savings Bank is 36th of 49 on return on assets, 0.35% as of Q2 2026, below the middle of the field. United Roosevelt Savings Bank's return on assets of 0.35% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.90 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.29% |
| Tier 1 risk-based capital ratio | 13.29% |
| Total risk-based capital ratio | 14.27% |
| Tier 1 leverage ratio | 9.11% |
| Equity capital to assets | 8.90% |
| Tangible equity to tangible assets | 8.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.43% |
| Non-performing assets ratio | 0.36% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 3.81% |
| Allowance for credit losses to loans | 0.77% |
| Reserve coverage of non-performing loans | 177.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.35% |
| Return on equity | 3.91% |
| Net interest margin | 2.95% |
| Efficiency ratio | 80.14% |
| Yield on earning assets | 5.68% |
| Cost of funds | 2.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.46% |
| Core deposits to total deposits | 66.98% |
| Brokered deposits to total deposits | 21.13% |
| Deposits to assets | 79.61% |
| Securities to assets | 9.80% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.71% | 12.71% | 13.51% | 9.22% | 0.30% |
| Q4 2023 | 12.55% | 12.55% | 13.32% | 8.72% | 0.05% |
| Q1 2024 | 12.42% | 12.42% | 13.16% | 8.56% | 0.34% |
| Q2 2024 | 12.03% | 12.03% | 12.77% | 8.31% | 0.20% |
| Q3 2024 | 11.61% | 11.61% | 12.33% | 8.01% | 0.32% |
| Q4 2024 | 11.87% | 11.87% | 12.58% | 8.05% | 0.23% |
| Q1 2025 | 11.86% | 11.86% | 12.58% | 8.06% | 0.26% |
| Q2 2025 | 11.90% | 11.90% | 12.70% | 7.90% | 0.18% |
| Q3 2025 | 11.09% | 11.09% | 11.96% | 7.71% | 0.24% |
| Q4 2025 | 10.64% | 10.64% | 11.58% | 7.38% | 0.28% |
| Q1 2026 | 13.47% | 13.47% | 14.43% | 8.94% | 0.54% |
| Q2 2026 | 13.29% | 13.29% | 14.27% | 9.11% | 0.35% |
United Roosevelt Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Roosevelt Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)