A Holiday Message from Kenneth R. Totten, President & CEO

As the year draws to a close, I want to take a moment to extend my heartfelt gratitude to our customers, partners, and neighbors who continue to make United Roosevelt Savings Bank an essential part of the Carteret community.

The past year has brought both progress and reflection. Together, we’ve celebrated new milestones, strengthened our local partnerships, and continued to serve our community with the same personal commitment that has defined URSB since 1914. None of it would be possible without the trust and support of the people we proudly serve.

As we look ahead to the new year, our focus remains clear—providing secure, reliable, and community-centered banking solutions that help our customers and local businesses thrive. We’re excited about what’s to come in 2026 and deeply grateful for the relationships that inspire us every day.

On behalf of our entire URSB team, I wish you and your loved ones a safe, peaceful, and joyful holiday season, and a prosperous start to the new year.

Warm regards,

Kenneth R. Totten

Chairman, President & CEO

United Roosevelt Savings Bank