As we reflect on another remarkable year at United Roosevelt Savings Bank, I’m filled with pride in our continued partnership with this wonderful community. 2024 marked a significant milestone—our 110th year of serving Carteret and its surrounding areas. This anniversary reminds us that while banking has evolved tremendously since 1914, our commitment to personal, relationship-based service remains unchanged.

Throughout 2024, we continued to strengthen our foundation while embracing innovation. We’re proud to share that we donated over $170,000 to local nonprofits and community organizations, while also building New Jersey’s largest local merchant marketplace. Through our Perks checking account, our customers now have access to exclusive discounts at 63 local businesses—and we’re actively looking to welcome more merchants to this growing network. These unique initiatives and investments in our community reflect our belief that when Carteret thrives, we all thrive together.

I’m particularly proud of our team’s dedication to understanding and meeting your unique financial needs. Whether you’re a long-time resident, a new neighbor, or a local business owner, we’re here to help you achieve your goals with solutions tailored to your specific situation.

As we move forward, the team at URSB remains committed to being more than just a bank. We’re your neighbors, your partners and your advocates in building a stronger financial future. Our doors, both physical and digital, are always open to serve you.

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