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United Roosevelt Savings Bank
Carteret, NJ · FDIC Certificate #29170 · Chartered 01/0
Total assets
$381.16M
Total deposits
$303.46M
Total equity
$33.94M
Net loans
$317.58M
Branches (offices)
2
Net income (YTD)
$851.00K
Rank: #2,143 of 4,213 U.S. banks by assets · #39 of 49 in New Jersey. Assets changed 17.2% and deposits 18.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.45% |
| Return on equity | 5.43% |
| Net interest margin (YTD) | 2.97% |
| Equity to assets | 8.90% |
| Tier 1 leverage ratio | 9.11% |
| Uninsured deposits (share of deposits) | 49.0% |
| Noncurrent loans (share of loans) | 0.03% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 104.7% |
| Real estate loans (share of loans) | 77.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $245.44M | 77.3% | |
| Commercial & industrial | $37.82M | 11.9% | |
| Consumer / individual | $36.73M | 11.6% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $223.79M | $202.11M | $479.00K | $17.22M |
| Jun 2023 | $268.49M | $232.08M | $685.00K | $21.56M |
| Jun 2024 | $298.29M | $251.42M | $391.00K | $23.09M |
| Jun 2025 | $325.21M | $256.05M | $352.00K | $24.71M |
| Jun 2026 | $381.16M | $303.46M | $851.00K | $33.94M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Jersey | $303.46M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $303.46M.
Similar-sized banks
Esb Financial ($381.30M) · Rsnb Bank ($380.99M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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