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URSB Bancorp, Inc. files a special Form 10-K to provide certified 2025 financial statements for United Roosevelt MHC ahead of its mutual-to-stock conversion. Total assets rose to $367.97 million from $315.86 million, driven mainly by loan growth.
Net loans increased to $300.44 million, while deposits reached $290.95 million and FHLB and other borrowings were $53.57 million. Net interest income was $8.43 million and net income was $503,000, slightly below $576,000 in 2024 as credit loss provisions increased. Comprehensive income improved to $1.65 million, helped by better securities valuations and pension gains.
The allowance for credit losses on loans expanded to $2.28 million as the bank adopted a new CECL method and grew consumer lending, though non-accrual loans remained low at $121,000. Regulatory capital ratios stayed solid, with total risk-based capital of 11.58%, keeping the bank well capitalized.
URSB Bancorp, Inc. director Patrick J. DeBlasio filed an initial ownership report on Form 3, showing existing holdings of the company’s common stock. The filing reports 5,000 shares held directly and 5,000 shares held indirectly through a Deferred Compensation Plan, with no new purchases or sales disclosed.
URSB Bancorp, Inc. director Timothy D. Touhey filed an initial ownership report showing an indirect holding of 3,000 shares of Common Stock. These shares are held through a Deferred Compensation Plan rather than directly in his own name.