Common Stock, par value $0.01 per share

URSB Bancorp, Inc.

11-15 COOKE AVENUE, CARTERET, NJ, 07008

This statement is being filed by Seidman and Associates, L.L.C. ("SAL"), a New Jersey limited liability company, organized to invest in securities, whose principal and executive offices are located at 900 Lanidex Plaza, Suite 230, Parsippany, New Jersey 07054. Lawrence Seidman is the managing member of SAL. This statement is also being filed by Seidman Investment Partnership, L.P. ("SIP-1"), a New Jersey limited partnership, organized to invest in securities, whose principal and executive offices are located at 900 Lanidex Plaza, Suite 230, Parsippany, New Jersey 07054. Veteri Place Corporation is the sole general partner of SIP-1 and Lawrence Seidman owns all the voting shares of Veteri Place Corporation and is the only director and officer of Veteri Place Corporation. This statement is also being filed by Seidman Investment Partnership II, L.P. ("SIP-2"), a New Jersey limited partnership, organized to invest in securities, whose principal and executive offices are located at 900 Lanidex Plaza, Suite 230, Parsippany, New Jersey 07054. Veteri Place Corporation is the sole general partner of SIP-2 and Lawrence Seidman owns all the voting shares of Veteri Place Corporation and is the only director and officer of Veteri Place Corporation. This statement is also being filed by LSBK06-08, L.L.C. ("LSBK"), a Florida limited liability company, organized to invest in securities, whose principal and executive offices are located at 215 Via Del Mar, Palm Beach, Florida 33480. Lawrence Seidman is the managing member of LSBK. This statement is also being filed by Broad Park Investors, L.L.C. ("Broad Park"), a New Jersey limited liability company formed, in part, to invest in stocks of public companies, whose principal and executive offices are located at, 354 Eisenhower Parkway, Suite 1900, Livingston, New Jersey 07039. Lawrence Seidman is the investment manager of Broad Park. This statement is also being filed by Chewy Gooey Cookies, L.P. ("Chewy"), a Delaware limited partnership formed, in part, to invest in stocks of public companies, whose principal and executive offices are located at, 354 Eisenhower Parkway, Suite 1900, Livingston, New Jersey 07039. Lawrence Seidman is the investment manager of Chewy. This statement is also being filed by Veteri Place Corporation ("Veteri"), a New Jersey corporation that serves as the general partner of each of SIP-1 and SIP-2, whose principal offices are located at 900 Lanidex Plaza, Suite 230, Parsippany, NJ 07054. Lawrence Seidman owns all the voting shares of Veteri and is the only officer and director of Veteri. This statement is also being filed by Lawrence Seidman ("Seidman"), whose principal offices are located at 900 Lanidex Plaza, Suite 230, Parsippany, NJ 07054. Seidman serves as the managing member of SAL; the President of Veteri Place Corporation (of which he is the sole officer and director), the President of the general partner of each of SIP-1 and SIP-2, the managing member of LSBK; and investment manager of each Broad Park and Chewy, and accordingly has sole and exclusive investment discretion and voting authority with respect to the Shares owned by each of SAL, SIP-1, SIP-2, LSBK, Broad Park, and Chewy.

The name, residence or business address, and the principal occupation or employment and the name, principal business and address of any corporation or other organization in which such employment is conducted, of each executive officer and director, each general partner and each controlling person, if any, of SAL, SIP-1, SIP-2, LSBK, Broad Park, Chewy, Veteri and Seidman, is set forth in Exhibit 1 hereto. SAL, SIP-1, SIP-2, LSBK, Broad Park, Chewy, Veteri and Seidman shall hereinafter be referred to as the "Reporting Persons". The Reporting Persons have formed a group with respect to the securities of the Issuer within the meaning of Rule 13d-5 under the Securities Exchange Act of 1934, as amended (the "Exchange Act").

See above.

No Reporting Person, nor any person listed on Exhibit 1, annexed hereto, has, during the last five years, been party to a civil proceeding of a judicial or administrative body of competent jurisdiction and as a result of such proceeding was or is subject to a judgment, decree or final order enjoining future violations of, or prohibiting or mandating activities subject to, federal or state securities laws or finding any violation with respect to such laws.

Seidman is a citizen of the United States of America. The citizenship of the persons listed on Exhibit 1 is set forth therein.

The aggregate percentage of Shares reported owned by each Reporting Person is based upon 2,334,375 Shares outstanding, which is the total number of Shares outstanding as of June 30, 2026, as reported in the Issuer's Form 10-Q filed with the Securities and Exchange Commission on August 14, 2026. An aggregate of 126,045, constituting approximately 5.40% of the Shares outstanding are reported by the Reporting Persons in this statement.

As of the close of business on September 22, 2026: SAL beneficially owned 51,642 Shares, approximately 2.21% and SAL's transactions in the Shares during the past sixty days are listed in Exhibit 2. SIP-1 beneficially owned 14,824 Shares, approximately 0.64% and SIP-1's transactions in the Shares during the past sixty days are listed in Exhibit 2. SIP-2 beneficially owned 9,706 Shares, approximately 0.42% and SIPI-2's transactions in the Shares during the past sixty days are listed in Exhibit 2. LSBK beneficially owned 31,414 Shares, approximately 1.35% and LSBK's transactions in the Shares during the past sixty days are listed in Exhibit 2. Broad Park beneficially owned 11,720 Shares, approximately 0.50% and Broad Park's transactions during the past sixty days are listed in Exhibit 2. Chewy beneficially owned 6,739 Shares, approximately 0.29% and Chewy's transactions during the past sixty days are listed in Exhibit 2. Veteri, (i) as the general partner of each of SIP-1 and SIP-2 may be deemed the beneficial owner of the 14,824 Shares owned by SIP-1 and the 9,706 Shares owned by SIP-2. Accordingly, Veteri may be deemed the beneficial owner of an aggregate of 24,530 Shares, approximately 1.06%. Veteri has not entered into any transactions in the Shares during the past sixty days. Seidman individually does not own Shares, and (i) as the managing member of SAL may be deemed the beneficial owner of the 51,642 Shares owned by SAL, (ii) as the sole officer of Veteri, the general partner of each SIP-1 and SIP-2, may be deemed the beneficial owner of the 14,824 Shares owned by SIP-1 and the 9,706 Shares owned by SIP-2, (iii) as the managing member of LSBK, may be deemed the beneficial owner of the 31,414 Shares owned by LSBK, (iv) as the investment manager for each Broad Park and Chewy, may be deemed the beneficial owner of the 11,720 Shares owned by Broad Park, and the 6,739 Shares owned by Chewy. Accordingly, Seidman may be deemed the beneficial owner of an aggregate of 126,045 Shares, approximately 5.40%. In the foregoing capacities, Seidman has sole and exclusive investment discretion and voting authority with respect to all such Shares. Seidman has not transacted in the Shares during the past sixty days.

In the past sixty days, each of SAL, SIP-1, SIP-2, LSBK, Broad Park and Chewy purchased shares in the open market as set forth in Exhibit 2, attached hereto and incorporated herein by reference. Veteri and Seidman have not purchased or sold any shares. Each of the Reporting Persons, as a member of a "group" with the other Reporting Persons for purposes of Rule 13d-5(b)(1) of the Exchange Act, may be deemed to beneficially own the Shares owned by the other Reporting Persons. The filing of this Schedule 13D shall not be deemed an admission that any of the Reporting Persons is, for purposes of section 13(d) of the Exchange Act, the beneficial owner of any Shares he or it does not directly own. Each of the Reporting Persons specifically disclaims beneficial ownership of the Shares reported herein that he or it does not directly own. To the best of the Reporting Persons' knowledge, except as set forth in this Schedule 13D, none of the persons listed on Exhibit 1 to the Schedule13D beneficially owns any securities of the Issuer.

No person other than the Reporting Persons is known to have the right to receive or the power to direct the receipt of dividends from, or proceeds from the sale of, the Shares.

Not applicable.