As we move into the second half of 2025, I’m proud to share that United Roosevelt Savings Bank continues to grow in ways that reflect both our core values and our evolving role in the financial lives of our customers. We’ve seen strong momentum across our retail and business banking services, and we remain focused on delivering smart, secure, and convenient solutions that help individuals and families achieve their financial goals.

Our commitment to modern banking tools ensures that customers have the access and confidence they need no matter where life takes them. Whether you’re managing personal finances from your phone or running a business with efficiency top of mind, our team is here to support you every step of the way.

What continues to set URSB apart, however, is the personal connection we maintain with our customers and neighbors. We’re more than a bank—we’re a community partner. This spring, we joined Carteret residents at events like the Earth Day Celebration at Carteret Park and the annual Carteret Conquers Cancer 5K. These moments are about more than volunteering—they’re reminders of the deep relationships we’ve built in Carteret and the surrounding communities, and of the trust our customers place in us every day.

As we enter the heart of summer, I encourage you to take advantage of the tools we’ve put in place to make your banking simple and seamless. And if you’re a business customer looking for ways to enhance security, consider our Positive Pay service as a first line of defense against check fraud.

Thank you for choosing URSB as your financial partner. Here’s to another year of growing together. Feel free to call me on my cell: 732-535-8080

Respectfully,

Kenneth R. Totten

Chairman, President & CEO