{"url_path":"/sec/ursb/10-q/2026/cover-page","section_key":"cover-page","section_title":"Cover Page","topic":"sec","document":{"doc_type":"10-Q","doc_date":"2026-05-15","source_url":"https://www.sec.gov/Archives/edgar/data/2084261/0001104659-26-062077-index.html","accession_number":"0001104659-26-062077","cik":"0002084261","ticker":"URSB","issuer_name":"URSB Bancorp, Inc.","edgar_url":"https://www.sec.gov/Archives/edgar/data/2084261/0001104659-26-062077-index.html","primary_entity_key":"0002084261","primary_entity_name":"URSB Bancorp, Inc."},"word_count":891,"has_tables":true,"body_markdown":"URSB Bancorp, Inc._March 31, 2026\n\n21476250002084261--12-312026Q1http://fasb.org/us-gaap/2026#AssetPledgedAsCollateralMemberhttp://fasb.org/us-gaap/2026#DepositsMemberfalse0002084261us-gaap:RetainedEarningsMember2026-03-310002084261us-gaap:EsopCommonSharesMember2026-03-310002084261us-gaap:AdditionalPaidInCapitalMember2026-03-310002084261us-gaap:AccumulatedOtherComprehensiveIncomeMember2026-03-310002084261us-gaap:RetainedEarningsMember2025-12-310002084261us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-12-310002084261us-gaap:RetainedEarningsMember2025-03-310002084261us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-03-310002084261us-gaap:RetainedEarningsMember2024-12-310002084261us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-12-310002084261us-gaap:AccumulatedOtherComprehensiveIncomeMember2026-01-012026-03-310002084261us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-01-012025-03-310002084261us-gaap:RetainedEarningsMember2026-01-012026-03-310002084261us-gaap:RetainedEarningsMember2025-01-012025-03-310002084261us-gaap:USTreasuryAndGovernmentMember2025-12-310002084261us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:PaymentDeferralMember2026-01-012026-03-310002084261us-gaap:PaymentDeferralMember2026-01-012026-03-310002084261ursb:ResidentialRealEstatePortfolioSegmentMemberus-gaap:PaymentDeferralMember2025-01-012025-03-310002084261us-gaap:PaymentDeferralMember2025-01-012025-03-310002084261us-gaap:ConsumerPortfolioSegmentMember2026-01-012026-03-310002084261us-gaap:CommercialRealEstatePortfolioSegmentMember2026-01-012026-03-310002084261us-gaap:CommercialPortfolioSegmentMember2026-01-012026-03-310002084261ursb:BankersHealthcareGroupLoansMember2026-01-012026-03-310002084261us-gaap:ConsumerPortfolioSegmentMember2025-01-012025-03-310002084261us-gaap:CommercialRealEstatePortfolioSegmentMember2025-01-012025-03-310002084261ursb:ResidentialRealEstatePortfolioSegmentMember2025-01-012025-03-310002084261ursb:BankersHealthcareGroupLoansMember2025-01-012025-03-310002084261us-gaap:NonperformingFinancingReceivableMemberursb:ResidentialRealEstatePortfolioSegmentMember2026-03-310002084261us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2026-03-310002084261us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2026-03-310002084261us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2026-03-310002084261us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2026-03-310002084261us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:SubstandardMember2026-03-310002084261us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2026-03-310002084261us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2026-03-310002084261us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2026-03-310002084261us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2026-03-310002084261ursb:ResidentialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2026-03-310002084261ursb:BankersHealthcareGroupLoansMemberus-gaap:FinancialAssetNotPastDueMember2026-03-310002084261us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2026-03-310002084261us-gaap:FinancingReceivables60To89DaysPastDueMember2026-03-310002084261us-gaap:FinancingReceivables30To59DaysPastDueMember2026-03-310002084261us-gaap:FinancialAssetPastDueMember2026-03-310002084261us-gaap:FinancialAssetNotPastDueMember2026-03-310002084261us-gaap:CommercialPortfolioSegmentMemberursb:CommercialAndIndustrialOtherLoansMemberus-gaap:PassMember2025-12-310002084261us-gaap:NonperformingFinancingReceivableMemberursb:ResidentialRealEstatePortfolioSegmentMember2025-12-310002084261us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310002084261us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:SubstandardMember2025-12-310002084261us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:SpecialMentionMember2025-12-310002084261us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310002084261us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2025-12-310002084261us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310002084261us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310002084261us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2025-12-310002084261us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310002084261us-gaap:CommercialPortfolioSegmentMemberursb:CommercialAndIndustrialOtherLoansMember2025-12-310002084261ursb:ResidentialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310002084261ursb:BankersHealthcare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of Contents](#TOC)\n\n​\n\n​\n\n**UNITED STATES**\n\n**SECURITIES AND EXCHANGE COMMISSION**\n\n**Washington, D.C. 20549**\n\n**FORM****10-Q**\n\n​\n\n**(Mark One)**\n\n**☒****QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES**\n\n**EXCHANGE ACT OF 1934**\n\n**For the quarterly period ended****March 31, 2026**\n\n**or**\n\n**☐****TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES**\n\n**EXCHANGE ACT OF 1934**\n\n**For the transition period from****                    ****to**\n\n**Commission File Number:****000-56829**\n\n**URSB Bancorp, Inc.**\n\n**(Exact name of registrant as specified in its charter)**\n\n​\n\n​\n\n​\n\n**Maryland**\n\n**39-4348578**\n\n**(State or other jurisdiction of**\n\n**incorporation or organization)**\n\n**(I.R.S. Employer**\n\n**Identification Number)**\n\n​\n\n**11-15 Cooke Avenue**\n\n**Carteret****,****NJ********07008**\n\n**(Address of Principal Executive Offices)**\n\n**(****732****)****541-5445**\n\n**(Registrant’s telephone number)**\n\nSecurities registered pursuant to Section 12(b) of the Act:\n\n​\n\n​\n\n​\n\n​\n\n**Title of Each Class**\n\n**Trading symbol**\n\n**Name of Exchange on which registered**\n\n​\n\n​\n\n​\n\n​\n\nIndicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  ☒    No  ☐\n\nIndicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes  ☒    No   ☐\n\nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.\n\n​\n\n​\n\n​\n\n​\n\n​\n\n​\n\n​\n\nLarge accelerated filer\n\n☐\n\nAccelerated filer\n\n☐\n\n​\n\n​\n\n​\n\n​\n\n​\n\n​\n\n​\n\n​\n\nNon-accelerated filer\n\n☒  \n\nSmaller reporting company\n\n☒\n\nEmerging growth company\n\n☒\n\n​\n\nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐\n\nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes  ☐    No  ☒\n\nAs of May 1, 2026, there were 2,334,375 of the registrant’s shares of common stock outstanding.\n\n​\n\n​\n\n​\n\n[Table of Contents](#TOC)\n\n**TABLE OF CONTENTS**\n\n​\n\n​\n\n​\n\n**Page**\n\n[**Part I**](#PARTIFINANCIALINFORMATION_163280)\n\n[**Financial Information**](#PARTIFINANCIALINFORMATION_163280)\n\n4\n\n​\n\n​\n\n​\n\n[Item 1.](#Item1FinancialStatements_505439)\n\n[Financial Statements (unaudited)](#Item1FinancialStatements_505439)\n\n4\n\n​\n\n​\n\n​\n\n​\n\n[Consolidated Balance Sheets as of March 31, 2026 and December 31, 2025](#CondensedConsolidatedBalanceSheets_96916)\n\n4\n\n​\n\n​\n\n​\n\n​\n\n[Consolidated Statements of Operations for the three months ended March 31, 2026 and 2025](#CondensedConsolidatedStatementsofOperati)\n\n5\n\n​\n\n​\n\n​\n\n​\n\n[Consolidated Statements of Comprehensive Income (Loss) for the three months ended March 31, 2026 and 2025](#CondensedConsolidatedStatementsofCompreh)\n\n6\n\n​\n\n​\n\n​\n\n​\n\n[Consolidated Statements of Shareholders’ Equity for the three months ended March 31, 2026 and 2025](#CondensedConsolidatedStatementsofShareho)\n\n7\n\n​\n\n​\n\n​\n\n​\n\n[Consolidated Statements of Cash Flows for the three months ended March 31, 2026 and 2025](#CondensedConsolidatedStatementsofCashFlo)\n\n8\n\n​\n\n​\n\n​\n\n​\n\n[Notes to Consolidated Financial Statements](#NotestoCondensedConsolidatedFinancialSta)\n\n9\n\n​\n\n​\n\n​\n\n[Item 2.](#Item2ManagementsDiscussionandAnalysisofF)\n\n[Management’s Discussion and Analysis of Financial Condition and Results of Operations](#Item2ManagementsDiscussionandAnalysisofF)\n\n29\n\n​\n\n​\n\n​\n\n[Item 3.](#Item3QuantitativeandQualitativeDisclosur)\n\n[Quantitative and Qualitative Disclosures about Market Risk](#Item3QuantitativeandQualitativeDisclosur)\n\n37\n\n​\n\n​\n\n​\n\n[Item 4.](#Item4ControlsandProcedures_8255)\n\n[Controls and Procedures](#Item4ControlsandProcedures_8255)\n\n40\n\n​\n\n​\n\n​\n\n[**Part II**](#PARTIIOTHERINFORMATION_874231)\n\n[**Other Information**](#PARTIIOTHERINFORMATION_874231)\n\n41\n\n​\n\n​\n\n​\n\n[Item 1.](#Item1LegalProceedings_91551)\n\n[Legal Proceedings](#Item1LegalProceedings_91551)\n\n41\n\n​\n\n​\n\n​\n\n[Item 1A.](#Item1ARiskFactors_209336)\n\n[Risk Factors](#Item1ARiskFactors_209336)\n\n41\n\n​\n\n​\n\n​\n\n[Item 2.](#Item2UnregisteredSalesofEquitySecurities)\n\n[Unregistered Sales of Equity Securities and Use of Proceeds](#Item2UnregisteredSalesofEquitySecurities)\n\n41\n\n​\n\n​\n\n​\n\n[Item 3.](#Item3DefaultsUponSeniorSecurities_180833)\n\n[Defaults Upon Senior Securities](#Item3DefaultsUponSeniorSecurities_180833)\n\n41\n\n​\n\n​\n\n​\n\n[Item 4.](#Item4MineSafetyDisclosures_760597)\n\n[Mine Safety Disclosures](#Item4MineSafetyDisclosures_760597)\n\n41\n\n​\n\n​\n\n​\n\n[Item 5.](#Item5OtherInformation_726000)\n\n[Other Information](#Item5OtherInformation_726000)\n\n41\n\n​\n\n​\n\n​\n\n[Item 6.](#Item6Exhibits_673772)\n\n[Exhibits](#Item6Exhibits_673772)\n\n42\n\n​\n\n​\n\n​\n\n[Exhibit Index](#EXHIBITINDEX_469723)\n\n​\n\n42\n\n​\n\n​\n\n​\n\n[Signatures](#SIGNATURES_633643)\n\n​\n\n43\n\n​\n\n​\n\n​\n\n2\n\n[Table of Contents](#TOC)\n\n**URSB Bancorp, Inc.**\n\n**Quarterly Report on Form 10-Q**\n\n**For the quarterly period ended March 31, 2026**\n\n**Explanatory Note**\n\n​\n\nURSB Bancorp, Inc. (the “Company,” “we” or “us”) was incorporated on August 19, 2025, to serve as the bank holding company for United Roosevelt Savings Bank upon the consummation of the conversion of United Roosevelt, MHC, the mutual holding company of United Roosevelt Savings Bank, from the mutual form of organization to the stock form of organization (the “Conversion”). The Conversion was consummated effective March 26, 2026. Accordingly, the unaudited consolidated financial statements, and related notes, and other financial information included in this report for dates and periods ended before March 26, 2026 relate to United Roosevelt, MHC.\n\n​\n\nThe unaudited consolidated financial statements and other financial information contained in this report should be read in conjunction with the audited consolidated financial statements, and related notes, of United Roosevelt, MHC as of and for the years ended December 31, 2025 and 2024, contained in the Company’s Special Report on Form 10-K for the year ended December 31, 2025, as filed with the Securities and Exchange Commission on April 9, 2026.\n\n​\n\n​\n\n3\n\n[Table of Contents](#TOC)\n\n**PART I — FINANCIAL INFORMATION**"}