UNITED STATES SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                   FORM 10-QSB

(Mark One)

[X]  QUARTERLY  REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES  EXCHANGE ACT
     OF 1934

For the quarterly period ended     December 31, 2005
                              ----------------------------------

                                       OR

[ ]  TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT

For the transition period from __________________ to  __________________


                         Commission file number 0-50969
                                                -------

                          ROEBLING FINANCIAL CORP, INC.
--------------------------------------------------------------------------------
        (Exact name of Small Business Issuer as specified in its charter)

     New Jersey                                          55-0873295
--------------------------------------------------------------------------------
(State or other jurisdiction of             (I.R.S. employer identification no.)
incorporation or organization)

Route 130 South and Delaware Avenue, Roebling New Jersey            08554
--------------------------------------------------------------------------------
(Address of principal executive offices)

Issuer's telephone number, including area code  (609) 499-9400
                                                --------------

                                       N/A
--------------------------------------------------------------------------------
              (Former name, former address and former fiscal year,
                         if changed since last report.)

Check whether the Issuer 1) filed all reports required to be filed by Section 13
or 15(d) of the  Exchange  Act during  the last 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 X  No
                                                             ---    ---

Indicate by check mark whether the  registrant is a shell company (as defined in
Rule 12b-2 of the Exchange Act). Yes    No X
                                    ---   ---


                      APPLICABLE ONLY TO CORPORATE ISSUERS:

     State the number of shares  outstanding of each of the issuer's  classes of
common equity, as of the latest practicable date: January 27, 2006

          Class                                                  Outstanding
---------------------------                                   ------------------
$.10 par value common stock                                   1,710,045 shares

         Transitional Small Business Disclosure format (check one)
                     Yes           No     X
                        --------     ---------

<PAGE>
                          ROEBLING FINANCIAL CORP, INC.
                                   FORM 10-QSB
                     FOR THE QUARTER ENDED DECEMBER 31, 2005

                                      INDEX

                                                                           Page
                                                                          Number
                                                                          ------

PART I - FINANCIAL INFORMATION OF ROEBLING FINANCIAL CORP, INC.

Item 1.  Consolidated Financial Statements and Notes Thereto                1-5
Item 2.  Management's Discussion and Analysis of Financial
                  Condition and Results of Operations                       6-9
Item 3.  Controls and Procedures                                             9

PART II - OTHER INFORMATION

Item 1.  Legal Proceedings                                                   10
Item 2.  Unregistered Sales of Equity Securities and Use of Proceeds         10
Item 3.  Defaults upon Senior Securities                                     10
Item 4.  Submission of Matters to a Vote of Security Holders                 10
Item 5.  Other Information                                                   10
Item 6.  Exhibits                                                            10

SIGNATURES                                                                   11

<PAGE>

ROEBLING FINANCIAL CORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

(Unaudited)

(In thousands, except share data)
<TABLE>
<CAPTION>
                                                                       December 31, September 30,
                                                                           2005         2005
                                                                       -----------  ------------
<S>                                                                     <C>          <C>
ASSETS

Cash and due from banks                                                 $   2,948    $   2,428
Interest-bearing deposits                                                     667          647
                                                                        ---------    ---------
     Total cash and cash equivalents                                        3,615        3,075

Certificates of deposit                                                      --            300
Securities available for sale                                              26,569       27,160
Securities held to maturity                                                   507          557
Loans held for sale                                                          --           --
Loans receivable, net                                                      80,733       76,551
Accrued interest receivable                                                   485          477
Federal Home Loan Bank of New York stock, at cost                             688          602
Premises and equipment                                                      2,734        2,766
Other assets                                                                  383          371
                                                                        ---------    ---------
     Total assets                                                       $ 115,714    $ 111,859
                                                                        =========    =========

LIABILITIES AND STOCKHOLDERS' EQUITY

LIABILITIES

Deposits                                                                $  86,701    $  84,856
Borrowed funds                                                             12,100       10,000
Advances from borrowers for taxes and insurance                               386          396
Other liabilities                                                             536          559
                                                                        ---------    ---------
     Total liabilities                                                     99,723       95,811
                                                                        ---------    ---------

STOCKHOLDERS' EQUITY

Serial preferred stock, $0.10 par value; 5,000,000 shares authorized;
  none issued                                                                --           --
Common stock; $0.10 par value; 20,000,000 shares authorized;
  1,710,045 issued                                                            171          171
Additional paid-in-capital                                                 10,330       10,327
Unallocated employee stock ownership plan shares                             (679)        (698)
Unallocated restricted stock plan shares                                      (14)         (14)
Retained earnings - substantially restricted                                6,536        6,547
Accumulated other comprehensive income (loss) - unrealized loss
  on securities available for sale, net of tax                               (353)        (285)
                                                                        ---------    ---------
     Total stockholders' equity                                            15,991       16,048
                                                                        ---------    ---------

     Total liabilities and stockholders' equity                         $ 115,714    $ 111,859
                                                                        =========    =========

</TABLE>

See notes to unaudited consolidated financial statements.

                                       1
<PAGE>


ROEBLING FINANCIAL CORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME

(Unaudited)

(In thousands, except per share data)
<TABLE>
<CAPTION>
                                                               For the Three Months Ended
                                                                     December 31,
                                                               --------------------------
                                                                 2005             2004
                                                                -------          -------
<S>                                                               <C>             <C>
Interest income:
   Loans receivable                                               $ 1,275         $   931
   Securities                                                         246             249
   Other interest-earning assets                                       13              18
                                                                  -------         -------
        Total interest income                                       1,534           1,198
                                                                  -------         -------

Interest expense:
   Deposits                                                           352             226
   Borrowed funds                                                     107              32
                                                                  -------         -------
        Total interest expense                                        459             258
                                                                  -------         -------

Net interest income before provision for loan losses                1,075             940
Provision for loan losses                                              30              17
                                                                  -------         -------
        Net interest income after provision for loan losses         1,045             923
                                                                  -------         -------

Non-interest income:
   Loan fees and late charges                                          13              12
   Account servicing and other                                         97             104
   Gain on sale of loans                                             --                 2
                                                                  -------         -------
        Total non-interest income                                     110             118
                                                                  -------         -------

Non-interest expense:
   Compensation and benefits                                          473             418
   Occupancy and equipment                                            132              78
   Service bureau and data processing                                 105              98
   Other expense                                                      180             151
                                                                  -------         -------
        Total non-interest expense                                    890             745
                                                                  -------         -------

        Income before provision for income taxes                      265             296
Provision for income taxes                                            113             127
                                                                  -------         -------
        Net income                                                    152             169

Other comprehensive income, net of tax:
   Unrealized loss on securities available for sale, net of tax       (68)           (118)
                                                                  -------         -------
Comprehensive income                                              $    84         $    51
                                                                  =======         =======

Earnings per common share:
  Basic                                                           $  0.09         $  0.11
  Diluted                                                         $  0.09         $  0.10

Weighted average number of shares outstanding:
  Basic                                                             1,629      1,597
  Diluted                                                           1,634      1,621
</TABLE>

See notes to unaudited consolidated financial statements.

                                       2
<PAGE>

ROEBLING FINANCIAL CORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY

(Unaudited)

(In Thousands)
<TABLE>
<CAPTION>
                                                                                                     Accumulated
                                              Additional                                                Other
                                   Common      Paid-in      Unallocated  Unallocated    Retained    Comprehensive
                                   Stock       Capital      ESOP Shares   RSP Shares    Earnings    Income (Loss)   Total
                                -----------  ------------  ------------  -----------   ----------   -------------   -------

<S>                                 <C>        <C>             <C>            <C>         <C>           <C>         <C>
Balance at September 30, 2005       $171       $10,327         ($698)         ($14)       $6,547        ($285)      $16,048

Net income for the three months
  ended December 31, 2005             --            --            --            --           152           --           152

Dividends paid on common stock        --            --            --            --          (163)          --          (163)

Change in unrealized gain (loss)
  on securities available for sale,
  net of income taxes                 --            --            --            --            --          (68)          (68)

Amortization of ESOP shares           --             3            19            --            --           --            22
                                    ----       -------         -----          ----        ------        -----       -------

Balance at December 31, 2005        $171       $10,330         ($679)         ($14)       $6,536        ($353)      $15,991
                                    ====       =======         =====          ====        ======        =====       =======
</TABLE>


See notes to unaudited consolidated financial statements.

                                       3
<PAGE>

ROEBLING FINANCIAL CORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF CASH FLOWS

(Unaudited)

(In Thousands)
<TABLE>
<CAPTION>

                                                                          For the Three Months Ended
                                                                                December 31,
                                                                          --------------------------
                                                                              2005          2004
                                                                             -------       -------
<S>                                                                          <C>          <C>
Cash flows from operating activities:
   Net income                                                                $   152      $   169
   Adjustments to reconcile net income to cash provided by
     operating activities:
         Depreciation                                                             68           38
         Amortization of premiums and discounts, net                               3            3
         Amortization of deferred loan fees and costs, net                       (11)           3
         Provision for loan losses                                                30           17
         Originations of loans held for sale, net of repayments                 (610)        (251)
         Gain on sale of loans                                                    --           (2)
         Proceeds from sale of loans held for sale                               610          401
         Decrease (increase) in other assets                                      35          (12)
         Increase in accrued interest receivable                                  (8)          (9)
         (Decrease) increase in other liabilities                                (23)          34
         Amortization of ESOP shares                                              22           22
                                                                             -------      -------
                   Net cash provided by operating activities                     268          413
                                                                             -------      -------

Cash flows from investing activities:
    Proceeds from maturities of certificates of deposit                          300          700
    Purchase of securities available for sale                                     --       (8,757)
    Proceeds from payments and maturities of securities available for sale       474        2,547
    Proceeds from payments and maturities of securities held to maturity          50          228
    Loan originations, net of principal repayments                            (4,202)      (2,640)
    Purchase of Federal Home Loan Bank stock                                     (86)          --
    Purchase of premises and equipment                                           (36)        (112)
                                                                             -------      -------
                   Net cash used in investing activities                      (3,500)      (8,034)
                                                                             -------      -------

Cash flows from financing activities:
    Net increase in deposits                                                   1,845          938
    Net increase in short-term borrowed funds                                  2,100        1,400
    Proceeds from long-term borrowed funds                                        --        3,000
    Decrease in advance payments by borrowers for taxes
       and insurance                                                             (10)         (12)
    Dividends paid                                                              (163)          --
                                                                             -------      -------
                   Net cash provided by financing activities                   3,772        5,326
                                                                             -------      -------

    Net increase (decrease) in cash and cash equivalents                         540       (2,295)
    Cash and cash equivalents at beginning of period                           3,075        3,697
                                                                             -------      -------
    Cash and cash equivalents at end of period                               $ 3,615      $ 1,402
                                                                             =======      =======

SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
    Cash paid for:
        Interest on deposits and borrowed funds                              $   459      $   258
        Income taxes                                                              50           15
</TABLE>

See notes to unaudited consolidated financial statements.

                                       4
<PAGE>

                          ROEBLING FINANCIAL CORP, INC.
              NOTES TO UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS

NOTE 1 - BASIS OF PRESENTATION

The  accompanying   unaudited  consolidated  financial  statements  of  Roebling
Financial  Corp,  Inc. (the "Company") have been prepared in accordance with the
instructions  for  Form  10-QSB.  Accordingly,  they do not  include  all of the
information and footnotes required by generally accepted  accounting  principles
for complete financial statements.  However, such information presented reflects
all adjustments  (consisting solely of normal recurring  adjustments) which are,
in the opinion of the Company's  management,  necessary for a fair  statement of
results for the interim period.

The results of operations  for the three months ended December 31, 2005, are not
necessarily  indicative  of the  results  to be  expected  for the  year  ending
September  30,  2006,  or  any  other  future  interim  period.   The  unaudited
consolidated   financial   statements  and  notes  thereto  should  be  read  in
conjunction with the audited financial statements and notes thereto for the year
ended September 30, 2005 included in the Company's Annual Report on Form 10-KSB.

NOTE 2 - EARNINGS PER SHARE

Basic  earnings  per share is computed by dividing  net income for the period by
the weighted average number of shares of common stock outstanding,  adjusted for
unearned shares of the Employee Stock Ownership Plan ("ESOP").  Diluted earnings
per share is computed by  adjusting  the  weighted  average  number of shares of
common stock  outstanding to include the effect of outstanding stock options and
compensation grants, if dilutive, using the treasury stock method.

The following is a summary of the Company's earnings per share calculations:
<TABLE>
<CAPTION>
                              Three Months Ended December 31,
                              -------------------------------
                                      2005         2004
                                  ----------   ----------

<S>                               <C>          <C>
Net income                        $  151,515   $  168,680
                                  ==========   ==========
Weighted average common shares
outstanding for computation of
basic EPS                          1,628,834    1,597,423

Common-equivalent shares due
to the dilutive effect of stock
options and RSP awards                 5,543       23,856
                                  ----------   ----------

Weighted average common shares
for computation of diluted EPS     1,634,377    1,621,279
                                  ==========   ==========

Earnings per common share:
         Basic                    $      .09   $      .11
         Diluted                         .09          .10
</TABLE>
                                       5
<PAGE>
                          ROEBLING FINANCIAL CORP, INC.
                     MANAGEMENT'S DISCUSSION AND ANALYSIS OF
                  FINANCIAL CONDITION AND RESULTS OF OPERATIONS
                  ---------------------------------------------

GENERAL

     The Private  Securities  Litigation Reform Act of 1995 contains safe harbor
provisions regarding forward-looking  statements.  When used in this discussion,
the words  "believes",  "anticipates",  "contemplates",  "expects",  and similar
expressions are intended to identify forward-looking statements. Such statements
are subject to certain risks and uncertainties  which could cause actual results
to differ materially from those projected. Those risks and uncertainties include
changes in  interest  rates,  the  ability to control  costs and  expenses,  new
legislation and regulations, and general economic conditions.

     On September 30, 2004,  Roebling Financial Corp., MHC (the "MHC") completed
its reorganization  into stock form and the Company succeeded to the business of
the MHC's former federal mid-tier holding company  subsidiary.  Each outstanding
share of common stock of the former mid-tier  holding company was converted into
3.9636 shares of common stock of the Company.  As part of the  transaction,  the
Company sold a total of 910,764 shares to the public at $10 per share, including
72,861 shares  purchased by the Company's  employee  stock  ownership  plan with
funds borrowed from the Company.  The Company's business is conducted  primarily
through its wholly-owned subsidiary,  Roebling Bank (the "Bank").  References to
the Company or Registrant  refer to the  consolidated  entity which includes the
main operating company, the Bank, unless the context indicates otherwise.

OVERVIEW

     At  December  31,  2005,  the  Company  had  total  assets,   deposits  and
stockholders'  equity of  $115.7  million,  $86.7  million  and  $16.0  million,
respectively. For the three months ended December 31, 2005, the Company reported
net income of $152,000, or $.09 per diluted share, compared to $169,000, or $.10
per diluted  share,  for the same period in 2004. The decrease in net income for
the quarter primarily reflected an increase in non-interest  expenses due to the
opening of a new administrative  center and retail banking office,  which offset
an improvement in net interest income.

CHANGES IN FINANCIAL CONDITION

     Total assets  increased  by $3.8 million to $115.7  million at December 31,
2005,  from $111.9  million at  September  30,  2005.  This  increase is largely
attributable to a $4.2 million increase in the loans receivable, net, portfolio.
Other changes include a $600,000 decrease in investment  securities,  a $300,000
decrease in  certificates  of deposit  and a $500,000  increase in cash and cash
equivalents.  Loans  receivable,  net  increased  by 5.5%,  to $80.7  million at
December 31, 2005 from $76.5 million at September 30, 2005.  The majority of the
change in loans receivable,  net was attributable to an increase of $2.8 million
in the construction loan portfolio,  while the one-to-four  family  residential,
multifamily  and  home  equity  loan  portfolios  each  increased  approximately
$500,000.  Deposits  increased by $1.8  million,  or 2.2%,  to $86.7  million at
December 31, 2005 from $84.9  million at  September  30,  2005.  Borrowed  funds
increased by $2.1 million  during the same period,  to $12.1 million at December
31, 2005 from $10.0 million at September  30, 2005,  with all of the increase in
short-term  borrowings.  Stockholder's  equity was  $15,991,000  at December 31,
2005,  decreasing  slightly from $16,048,000  million at September 30, 2005. The
largest  components of the change in  stockholders'  equity for the three months
ended  December  31, 2005 include the addition of net income of $152,000 and the
deduction of $163,000 for dividends  paid.  Other changes include a reduction of
$68,000 from a change in the unrealized loss on  available-for-sale  securities,
adjusted  for  deferred  income  taxes,  and an  increase  of  $22,000  from the
amortization of ESOP shares.

RESULTS OF OPERATIONS

     Net Interest  Income.  For the  three-months  ended  December 31, 2005, the
Company  reported  net  interest  income  before  provision  for loan  losses of
$1,075,000,  which  represents  an  increase  of $135,000 or 14.4% over the same
period  in 2004.  The  increase  in net  interest  income  was the  result of an
increase  in interest  income of

                                       6
<PAGE>
$336,000,  partially offset by an increase in interest expense of $201,000.  The
interest  rate spread was 3.42% for the three  months  ended  December  31, 2005
compared to 3.53% for the three  months ended  December 31, 2004,  while the net
interest  margin was 3.91% for the 2005  period  compared  to 3.88% for the 2004
period.  After a period of historically  low interest rates, the Federal Reserve
began  tightening  monetary policy in June,  2004, and has increased the Federal
Funds rate thirteen times,  by 25 basis points each time,  since then. The yield
curve has  flattened in that time period,  as short-term  rates have risen,  but
long-term rates have actually declined. Reflecting the current rate environment,
the  Company's  spread has  compressed  slightly,  as the overall  cost of funds
increased by more than the average yield on total  interest-earning  assets. The
margin, however, improved slightly, reflecting the higher percentage of loans to
total interest-earning assets.

     The average balance of total  interest-earning  assets for the three months
ended December 31, 2005 increased by $10.6 million  compared to the three months
ended December 31, 2004,  while the average yield increased to 5.60% from 4.94%.
The  increase in total  interest  income of $336,000  for the three months ended
December  31, 2005 is comprised  primarily of an increase in interest  income of
$344,000 on loans  receivable.  Average loan  receivable  balances  increased by
$14.6 million for the three months ended  December 31, 2005 compared to the same
2004 period,  while the average  yield  increased  to 6.25% from 5.71%.  For the
three  months  ended   December   31,  2005,   the  average   balance  of  other
interest-earning  assets  decreased  by $4.0  million  compared to the same 2004
period, while the average yield increased to 3.74% from 3.36%.

     The average  balance of  interest-bearing  liabilities  increased  by $10.8
million for the three  months  ended  December  31,  2005  compared to same 2004
period,  while the average cost  increased to 2.18% from 1.41%.  The increase in
total interest  expense of $201,000 for the three months ended December 31, 2005
is  comprised  of a $126,000  increase  in interest  expense on  deposits  and a
$75,000  increase in interest  expense on borrowings.  Average  interest-bearing
deposit balances  increased by $4.2 million with an increase in the average cost
to 1.90% for the three months ended December 31, 2005, compared to 1.30% for the
same 2004 period,  while average borrowings  increased by $6.6 million,  with an
increase in the average cost to 4.18% from 3.63%.

     Provision  for Loan Losses.  The  provision for loan losses was $30,000 for
the three-month period ended December 31, 2005, compared to $17,000 for the same
period in 2004. At December 31, 2005, the allowance for loan losses was $601,000
(.74% of the loan  portfolio)  compared to $508,000 (.75% of the loan portfolio)
at December 31, 2004. Management  continually monitors and adjusts the allowance
for loan losses based upon its  analysis of the loan  portfolio.  This  analysis
includes an evaluation of known and inherent risks in the loan  portfolio,  past
loss  experience,  current  economic  conditions,  industry loss reserve levels,
adverse  situations  which may affect the borrower,  the estimated  value of any
underlying  collateral  and other  relevant  factors.  However,  there can be no
assurance  that  additions to the allowance for loan losses will not be required
in future periods or that actual losses will not exceed estimated amounts.

     Non-interest  Income.  Non-interest  income  decreased  $8,000,  or 6.8% to
$110,000 for the three months ended December 31, 2005,  compared to $118,000 for
the same 2004 period, with the decrease attributable to lower non-sufficient and
uncollected fund fees.

     Non-interest Expense. Non-interest expense increased $145,000, or 19.5%, to
$890,000 for the three-month period ended December 31, 2005 compared to $745,000
for the same period in 2004, with the most significant increases in compensation
and benefits,  occupancy and  equipment and other  expense.  The majority of the
increase in these categories is attributable to the opening of the Bank's newest
facility in Westampton.  The Bank  relocated its former Loan Center  office,  as
well as  administrative  staff formerly  located in two other  offices,  to this
facility in the quarter ended March 31, 2005,  and also opened a retail  banking
center in the same facility in the quarter ended  September 30, 2005. This is an
entry into a new marketplace for the Bank, which we anticipate will enable us to
increase our deposit and lending base.

     We also  expect  to break  ground  on a new  retail  banking  center in the
quarter ended March 31, 2006. This will be the Bank's fifth retail location, and
will also be a new  marketplace  for us.  While we  project  that the  resulting
growth from these new branches  will result in increased  profitability  for the
Company over the long-term, expenses will rise in the short-term, with increases
in occupancy and  equipment and  compensations  and  benefits.  Management

                                       7
<PAGE>

also expects  increased  expenses in the future as a result of the establishment
of additional stock benefit plans and compliance with the Sarbanes-Oxley Act.


LIQUIDITY AND REGULATORY CAPITAL COMPLIANCE

     On  December  31,  2005,  the Bank was in  compliance  with its  regulatory
capital requirements as follows (dollars in thousands):
<TABLE>
<CAPTION>

                                                          Amount         Percent
                                                          ------         -------
<S>                                                       <C>             <C>
Tangible capital                                          $11,981         10.30%
Tangible capital requirement                                1,745          1.50%
                                                          -------         -----
Excess over requirement                                   $10,236          8.80%
                                                          =======         =====

Core capital                                              $11,981         10.30%
Core capital requirement                                    4,652          4.00%
                                                          -------         -----
Excess over requirement                                   $ 7,329          6.30%
                                                          =======         =====

Risk-based capital                                        $12,589         17.21%
Risk-based capital requirement                              5,852          8.00%
                                                          -------         -----
Excess over requirement                                   $ 6,737          9.21%
                                                          =======         =====
</TABLE>

     The Company  anticipates  that it will have  sufficient  funds available to
meet its current commitments.  As of December 31, 2005, the Bank had outstanding
commitments to fund loans of $5.4 million, commitments on unused lines of credit
of $8.0 million,  undisbursed construction loans of $5.1 million and $132,000 in
outstanding  letters of credit.  Certificates of deposit  scheduled to mature in
one year or less as of  December  31,  2005,  totaled  $19.7  million.  Based on
historical  deposit  withdrawals and outflows,  and on internal  monthly deposit
reports  monitored by  management,  management  believes that a majority of such
deposits will remain with the Company.

ADDITIONAL KEY OPERATING RATIOS
<TABLE>
<CAPTION>
                                                             At or for the Three Months
                                                                 Ended December 31,
                                                               2005(1)      2004(1)
                                                             ---------    ----------
<S>                                                          <C>          <C>
Earnings per common share (2):
    Basic                                                    $   0.09     $   0.11
    Diluted                                                  $   0.09     $   0.10
Return on average assets (1)                                      .53%         .67%
Return on average equity (1)                                     3.77%        4.32%
Interest rate spread (1)                                         3.42%        3.53%
Net interest margin (1)                                          3.91%        3.88%
Non-interest expense to average assets (1)                       3.10%        2.95%
Non-performing assets to total assets                             .05%         .10%
Non-performing loans to total loans                               .07%         .15%
<CAPTION>
                                                                 At December 31,
                                                               2005         2004
                                                             ---------    ----------
<S>                                                          <C>          <C>

Book value per share (3)                                     $   9.35     $   9.25
</TABLE>
____________
(1)      The ratios for the three-month periods presented are annualized.

                                       8
<PAGE>

(2)  The average  number of shares  outstanding  during the three  months  ended
     December 31, 2005, was 1,628,834 basic and 1,634,377  diluted.  The average
     number of shares  outstanding  during the three months  ended  December 31,
     2004, was 1,597,423 basic and 1,621,279 diluted.

(3)  There  were  1,710,045  shares  outstanding  as of  December  31,  2005 and
     1,687,403 shares outstanding as of December 31, 2004.


CONTROLS AND PROCEDURES
-----------------------

         (a)  Evaluation of disclosure  controls and  procedures.  The Company's
management  evaluated,  with the  participation of the Company's Chief Executive
Officer  and  Chief  Financial  Officer,  the  effectiveness  of  the  Company's
disclosure  controls and  procedures as of the end of the period covered by this
report. Based on this evaluation,  the Company's principal executive officer and
principal  financial  officer  have  concluded  that as of the end of the period
covered by this  Quarterly  Report on Form 10-QSB such  disclosure  controls and
procedures are effective to ensure that information  required to be disclosed by
the Company in reports that it files or submits  under the  Securities  Exchange
Act of 1934 is recorded,  processed,  summarized  and  reported  within the time
periods specified in Securities and Exchange Commission rules and forms.

         (b) Changes in internal  control over financial  reporting.  During the
period under report,  there was no change in the Company's internal control over
financial  reporting that has materially  affected,  or is reasonably  likely to
materially affect, the Company's internal control over financial reporting.


                                       9
<PAGE>

                          ROEBLING FINANCIAL CORP, INC.

                                     PART II


ITEM 1.        LEGAL PROCEEDINGS

               There are various claims and lawsuits in which the company or the
               Bank are periodically involved,  such as claims to enforce liens,
               condemnation  proceedings  on  properties in which the Bank holds
               security interests,  claims involving the making and servicing of
               real  property  loans and other  issues  incident  to the  Bank's
               business.  In the  opinion of  management,  no  material  loss is
               expected from any of such pending claims or lawsuits.

ITEM 2.        UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

               Not applicable

ITEM 3.        DEFAULTS UPON SENIOR SECURITIES

               Not applicable

ITEM 4.        SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

               Not applicable

ITEM 5.        OTHER INFORMATION

               (a)  Not applicable

               (b)  Not applicable

ITEM 6.        EXHIBITS

               List of Exhibits:

               3.1      Certificate of Incorporation*
               3.2      Bylaws**
               4.0      Form of Stock Certificate***
               10.2     Directors' Retirement Plan***
               10.3     Stock Option Plan****
               10.4     Restricted Stock Plan****
               10.5     Employment Agreement between Janice A. Summers
                            and Roebling Bank***
               10.6     Employment Agreement between Frank J. Travea, III
                            and Roebling Bank***
               31       Rule 13a-14(a)/15d-14(a) Certifications of Chief
                            Executive Officer and Chief Financial Officer
               32       Section 1350 Certification
------------------
*    Incorporated  herein  by  reference  to the  Company's  Form 8-A  (File No.
     0-59069) filed with the Commission on September 30, 2004.

**   Incorporated  herein by reference to the Company's Quarterly Report on Form
     10-QSB for the quarter ended March 31, 2005.

***  Incorporated herein by reference to the Company's Registration Statement on
     Form SB-2 (File No. 333-116312) filed with the Commission on June 9, 2004.

****Incorporated herein by reference to Company's Registration Statement on Form
     S-8 (File No. 333- 119839) filed with the Commission on October 20, 2004.

                                       10
<PAGE>

                          ROEBLING FINANCIAL CORP, INC.

                                   SIGNATURES


In accordance with the  requirements of the Exchange Act, the registrant  caused
this  report to be  signed on its  behalf  by the  undersigned,  thereunto  duly
authorized.


                                       ROEBLING FINANCIAL CORP, INC.


Date:  January 30, 2006                By:/s/ Frank J. Travea, III
                                          -------------------------------------
                                          Frank J. Travea, III
                                          President and Chief Executive Officer
                                          (Principal Executive Officer)

Date:  January 30, 2006                By:/s/ Janice A. Summers
                                          -------------------------------------
                                          Janice A. Summers
                                          Senior Vice President, Chief Operating
                                          Officer and Chief Financial Officer
                                          (Principal Financial and Accounting
                                          Officer)


                                       11