Interest-rate risk
Changes in market rates can compress spreads, affect loan demand, and alter deposit costs and securities values.
- Scope
- Net interest income and securities portfolio
- Materiality
- high
URSB Bancorp, Inc.
URSB Bancorp, Inc. is a U.S.-based savings and loan holding company for United Roosevelt Savings Bank. Through its banking subsidiary, it gathers deposits and makes loans, while also holding securities and other liquid assets to support the bank’s funding and capital needs.
| % | |
|---|---|
| Deposit accounts | 55% Retail and business deposit products including CDs, savings, money market, and checking accounts. |
| Loan portfolio | 35% Interest-earning loans to consumers and businesses, including mortgage-related lending. |
| Investment securities | 5% Available-for-sale and held-to-maturity securities used for earnings and liquidity. |
| Fee and service income | 5% Customer service fees and other noninterest income tied to account activity. |
URSB Bancorp serves depositors and borrowers in its local banking markets through its bank subsidiary...
- Retail deposit customersprimary
Individuals and households that place funds in CDs, savings, money market, and checking accounts for safety and convenience.
- Borrowersprimary
Consumers and local businesses that use the bank for mortgage, consumer, and other lending products.
- Fee-generating account holderssecondary
Customers whose account usage generates service fees and other noninterest income.
The company operates as a U.S. community banking organization, with business tied to its local market areas rather than...
- •United States-based banking organization
- •Operations centered in local market areas
- •Loan demand depends on regional economic conditions
- •Deposit flows reflect local competition and pricing
- •Real estate exposure is tied to the bank's market footprint
URSB Bancorp’s strategy centers on maintaining liquidity, retaining deposits, and supporting lending through its bank...
01
Preserve liquidity and funding accessshort-term
A deposit-funded bank must be able to meet withdrawals, loan demand, and operating needs at all times.
02
Retain and price deposits competitivelyshort-term
Stable deposits are the core funding source for lending and reduce reliance on wholesale borrowing.
03
Strengthen capital and balance-sheet flexibilitymedium-term
Capital supports regulatory compliance, lending capacity, and resilience against credit losses.
URSB Bancorp is exposed to interest-rate, credit, liquidity, and deposit competition risks typical of community banks...
Credit loss risk
The bank must estimate expected losses on loans, and weaker borrower performance can increase charge-offs and provisions.
- Scope
- Loan portfolio and ACL
- Materiality
- high
Liquidity and deposit retention risk
Withdrawals, maturing time deposits, and funding competition can strain liquidity and increase borrowing needs.
- Scope
- Deposits, wholesale funding, holding-company cash
- Materiality
- high
Local economic and real estate risk
Community banks are concentrated in specific markets, so local recession, unemployment, or property weakness can affect borrowers and collateral.
- Scope
- Regional loan book
- Materiality
- medium
Regulatory and capital constraint risk
Bank regulations govern dividends and capital requirements, which can limit upstream cash flow to the holding company.
- Scope
- Holding company liquidity
- Materiality
- medium
Allowance for credit losses (ACL)
Can materially affect earnings and balance-sheet carrying values
Fair value of available-for-sale securities
Affects accumulated other comprehensive income and liquidity management
Interest income and deposit cost timing
Can create quarter-to-quarter volatility in reported margins
Holding-company liquidity and dividend restrictions
Affects parent-level liquidity and ability to fund expenses
: 16.6.2026