URSB (URSB Bancorp) Effective Interest Rate on Debt %: 20.39% (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

URSB URSB Bancorp Inc URSB
8 GF Score
Price $12.59
View Full Analysis

What is URSB Bancorp Effective Interest Rate on Debt %?

URSB Bancorp URSB +0.16% 8 Effective Interest Rate on Debt % is 20.39% as of Jun. 2026. GuruFocus rates URSB with a GF Score™ of 8/100.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. URSB Bancorp's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was $9.96 Mil. URSB Bancorp's average total debt for the quarter that ended in Jun. 2026 was $48.82 Mil. Therefore, URSB Bancorp's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 20.39%.

URSB Bancorp  (OTCPK:URSB) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

URSB Bancorp Effective Interest Rate on Debt % Related Terms

URSB Bancorp Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for URSB Bancorp's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

URSB Bancorp Effective Interest Rate on Debt % Chart

URSB Bancorp Annual Data
Trend
Effective Interest Rate on Debt %

URSB Bancorp Quarterly Data
Mar25 Jun25 Mar26 Jun26
Effective Interest Rate on Debt % 0.00 0.00 19.58 20.39

URSB vs : Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, URSB Bancorp's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

URSB Bancorp Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, URSB Bancorp's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where URSB Bancorp's Effective Interest Rate on Debt % falls into.


URSB
8GF Score
URSB Bancorp Inc URSB
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

URSB Bancorp Effective Interest Rate on Debt % Calculation

URSB Bancorp's annualized Effective Interest Rate on Debt % for the fiscal year that ended in . 20 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: . 20 )+Total Debt  (A: . 20 ))/ count )
=-1  *  /( (+)/ )
=-1  *  /
= %

where

Total Debt  (A: . 20 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
= +
=

Total Debt  (A: . 20 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
= +
=

URSB Bancorp's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Mar. 2026 )+Total Debt  (Q: Jun. 2026 ))/ count )
=-1  *  -9.956/( (51.572+46.072)/ 2 )
=-1  *  -9.956/48.822
=20.39 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=51.572 + 0
=51.572

Total Debt  (Q: Jun. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=46.072 + 0
=46.072

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Jun. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 20.39% mean?
URSB Bancorp (URSB) has a Effective Interest Rate on Debt % of 20.39% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on URSB Bancorp and its competitors.
Is URSB Bancorp's Effective Interest Rate on Debt % too high?
URSB Bancorp's current Effective Interest Rate on Debt % is 20.39%. Overall, URSB Bancorp has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does URSB Bancorp's Effective Interest Rate on Debt % compare to ?
URSB Bancorp's Effective Interest Rate on Debt % of 20.39% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on URSB Bancorp and its competitors. URSB Bancorp's current Effective Interest Rate on Debt % is 20.39%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is URSB Bancorp stock overvalued right now?
URSB Bancorp (URSB) has a current Effective Interest Rate on Debt % of 20.39%. The current Effective Interest Rate on Debt % is 20.39%. URSB Bancorp's overall GF Score™ is 8/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For URSB Bancorp (URSB), the current Effective Interest Rate on Debt % is 20.39% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

URSB Bancorp Business Description

Comparable Companies
Address 11-15 Cooke Avenue, Carteret, NJ, USA, 07008
URSB Bancorp Inc is a bank holding company. Its Products are Checking, Savings, Certificates of Deposit, Retirement Accounts, Personal Lending, Business, Business Lending, and Credit Cards. The group's services are Local Discount Network, BaZing Benefits, ClickSwitch, Discover Debit, E-Statements, Card Hub, Safe Deposit Boxes, Merchant Services, and Remote Deposits.
8GF Score

Get the complete analysis for URSB

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$12.59
Price