TellerScore

Headquartered in Carteret, New Jersey, United Roosevelt Savings Bank is a si with $381.2M in total assets and $303.5M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1914.

United Roosevelt Savings Bank has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 14% of its 2,650 banks with $100 million – $1 billion. Among 50 banks headquartered in New Jersey, it ranks 42nd. Loan quality contributes the most (99/100, 0.03%); funding & liquidity contributes the least (18/100, 105% loans-to-deposits, 49% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.11%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.03%
Earnings38/100
Return on assets (annualized): 0.45%
Funding & liquidity18/100
Loans ÷ deposits and uninsured-deposit share: 104.7% · 49.0% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.26%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (57 → 57).

TellerScore
545861Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202456
Q3 202457
Q4 202454
Q1 202558
Q2 202557
Q3 202556
Q4 202555
Q1 202661
Q2 202657
Tier 1 leverage ratio
5.00%7.05%9.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.31%
Q3 20248.01%
Q4 20248.05%
Q1 20258.06%
Q2 20257.90%
Q3 20257.71%
Q4 20257.38%
Q1 20268.94%
Q2 20269.11%
Noncurrent loans
0.03%0.19%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.09%
Q3 20240.12%
Q4 20240.35%
Q1 20250.03%
Q2 20250.04%
Q3 20250.05%
Q4 20250.04%
Q1 20260.03%
Q2 20260.03%
Return on assets
0.22%0.39%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.27%
Q3 20240.29%
Q4 20240.28%
Q1 20250.26%
Q2 20250.22%
Q3 20250.23%
Q4 20250.24%
Q1 20260.55%
Q2 20260.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$381.2M9.11%0.03%0.45%104.7%
Q1 202661$384.0M8.94%0.03%0.55%101.1%
Q4 202555$367.9M7.38%0.04%0.24%102.8%
Q3 202556$352.5M7.71%0.05%0.23%103.0%
Q2 202557$325.2M7.90%0.04%0.22%102.0%
Q1 202558$317.9M8.06%0.03%0.26%101.2%
Q4 202454$315.8M8.05%0.35%0.28%100.1%
Q3 202457$316.2M8.01%0.12%0.29%97.1%
Q2 202456$298.3M8.31%0.09%0.27%92.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.11%
14th
Total risk-based capital14.27%
64th
Problem loans0.03%
82nd
Net charge-offs0.03%
34th
Return on assets0.45%
11th
Net interest margin2.97%
9th
Efficiency ratio75.9%
19th
Loans to deposits104.7%
6th
Uninsured deposits49.0%
4th
Loan-loss reserves0.77%
10th
Texas ratio0.3%
82nd

Similar-size banks in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Ascendia BankBank Glen Rock, NJ62 out of 100, Moderate$395.3M9.3%0.13%vs
The First National Bank of ElmerBank Elmer, NJ58 out of 100, Moderate$407.8M10.0%1.14%vs
Lusitania Savings BankBank Newark, NJ86 out of 100, Very strong$418.1M15.0%0.19%vs
Haddon Savings BankBank Haddon Heights, NJ58 out of 100, Moderate$421.4M8.3%0.24%vs
Franklin BankBank Pilesgrove, NJ72 out of 100, Strong$334.1M10.3%0.15%vs
1st Bank of Sea Isle CityBank Sea Isle City, NJ62 out of 100, Moderate$311.1M9.7%0.00%vs

Deposit insurance

Is my money safe at United Roosevelt Savings Bank?

Yes. United Roosevelt Savings Bank is an FDIC-insured institution (FDIC certificate #29170). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 49.0% of deposits ($148.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.11%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.27% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

United Roosevelt Savings Bank lists 2 offices in 1 city. Most locations:

  • Carteret, NJ (2)

All branch addresses and map

Identity & history

Profile

Legal name
United Roosevelt Savings Bank
Former names
United Roosevelt Savings and Loan Association
Type
SI
FDIC certificate #
29170
RSSD ID
644776
Primary regulator
FDIC
Holding company
Ursb Bcorp Inc
Established
January 1, 1914
Headquarters
11-15 Cooke Ave, Carteret, NJ 07008
Website
ursb.bank
Employees
33

Quick answers

United Roosevelt Savings Bank: common questions

Is United Roosevelt Savings Bank FDIC insured?

Yes. United Roosevelt Savings Bank is an FDIC-insured institution (FDIC certificate #29170). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is United Roosevelt Savings Bank's TellerScore?

57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has United Roosevelt Savings Bank ever failed?

There is no failure record for FDIC certificate #29170 in the FDIC failed bank list.

How many branches does United Roosevelt Savings Bank have?

2 offices as of the latest FDIC data.

Nearby

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