United Roosevelt Savings Bank: how it compares with its peers
Against 12 NJ banks with half to twice its assets, United Roosevelt Savings Bank's strongest measure in Q2 2026 is assets per employee ($11.6M vs. a $6.9M peer median). Its weakest relative measure is net interest margin (2.97% vs. 3.69%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.45% | 0.60% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.97% | 3.69% | Bottom third Ahead of 25% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.87% | 77.10% | Middle third Ahead of 58% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.6M | $6.9M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 104.65% | 75.01% | Context |
What it means for lending operations
Its efficiency ratio of 75.87% is better than the 77.10% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Ascendia Bank Glen Rock, NJ · $395M
- The First National Bank of Elmer Elmer, NJ · $408M
- Lusitania Savings Bank Newark, NJ · $418M
- Haddon Savings Bank Haddon Heights, NJ · $421M
- Franklin Bank Pilesgrove, NJ · $334M
- 1st Bank of Sea Isle City Sea Isle City, NJ · $311M
Questions about United Roosevelt Savings Bank
How big is United Roosevelt Savings Bank?
United Roosevelt Savings Bank, established in 1914, is headquartered in Carteret, NJ. It reported $381M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is United Roosevelt Savings Bank's return on assets?
0.45% annualized in Q2 2026, against a 0.60% median for 12 NJ banks with half to twice its assets, ahead of 33% of them.
What is United Roosevelt Savings Bank's efficiency ratio?
75.87% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 77.10%, and lower is better.
Is United Roosevelt Savings Bank growing its loans?
Net loans grew 21.6% over the year to Q2 2026, while deposits grew 18.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NJ banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Jersey bank ranked.