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        June 30, 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
                                                               ---     ---

                      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:  August 8, 2005

           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 JUNE 30, 2005

                                      INDEX

                                                                           Page
                                                                          Number
                                                                          ------

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

Item 1.  Consolidated Financial Statements and Notes Thereto               1-6
Item 2.  Management's Discussion and Analysis of Financial
                  Condition and Results of Operations                      7-10
Item 3.  Controls and Procedures                                            11

PART II - OTHER INFORMATION

Item 1.  Legal Proceedings                                                  12
Item 2.  Unregistered Sales of Equity Securities and Use of Proceeds        12
Item 3.  Defaults upon Senior Securities                                    12
Item 4.  Submission of Matters to a Vote of Security Holders                12
Item 5.  Other Information                                                  12
Item 6.  Exhibits                                                           12

SIGNATURES                                                                  13

<PAGE>

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

(Unaudited)

(In Thousands)
<TABLE>
<CAPTION>
                                                                                   June 30,   September 30,
                                                                                     2005         2004
                                                                                  ---------    ---------
<S>                                                                             <C>          <C>
ASSETS

Cash and due from banks                                                           $   2,320    $   1,820
Interest-bearing deposits                                                               288        1,877
                                                                                  ---------    ---------
     Total cash and cash equivalents                                                  2,608        3,697

Certificates of deposit                                                                 300        1,200
Securities available for sale                                                        28,500       24,172
Securities held to maturity                                                             631          979
Loans held for sale                                                                     128          148
Loans receivable, net                                                                69,733       64,376
Accrued interest receivable                                                             439          389
Federal Home Loan Bank of New York stock, at cost                                       602          558
Premises and equipment                                                                2,133        1,726
Other assets                                                                            276          127
                                                                                  ---------    ---------
     Total assets                                                                 $ 105,350    $  97,372
                                                                                  =========    =========

LIABILITIES AND STOCKHOLDERS' EQUITY

LIABILITIES

Deposits                                                                          $  82,202    $  79,817
Borrowed funds                                                                        6,200        1,000
Advances from borrowers for taxes and insurance                                         443          439
Other liabilities                                                                       509          562
                                                                                  ---------    ---------
     Total liabilities                                                               89,354       81,818
                                                                                  ---------    ---------

STOCKHOLDERS' EQUITY

Serial preferred stock, $.10 par value; 5,000,000 shares authorized;
  none issued                                                                             -            -
Common stock; $0.10 par value; 20,000,000 shares authorized; 1,710,045 and
  1,687,403 shares issued at June 30, 2005 and September 30, 2004, respectively         171          169
Additional paid-in-capital                                                           10,323       10,151
Unallocated employee stock ownership plan shares                                       (717)        (776)
Unallocated restricted stock plan shares                                                (15)           -
Retained earnings - substantially restricted                                          6,394        5,936
Accumulated other comprehensive income (loss) - unrealized gain (loss)
  on securities available for sale, net of tax                                         (160)          74
                                                                                  ---------    ---------
     Total stockholders' equity                                                      15,996       15,554
                                                                                  ---------    ---------

     Total liabilities and stockholders' equity                                   $ 105,350    $  97,372
                                                                                  =========    =========
</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
                                                                               June 30,
                                                                    --------------------------
                                                                           2005      2004
                                                                         -------   -------
<S>                                                                    <C>       <C>

Interest income:
   Loans receivable                                                      $ 1,014   $   864
   Securities                                                                257       185
   Other interest-earning assets                                              21        15
                                                                         -------   -------
        Total interest income                                              1,292     1,064
                                                                         -------   -------

Interest expense:
   Deposits                                                                  257       203
   Borrowed funds                                                             61         5
                                                                         -------   -------
        Total interest expense                                               318       208
                                                                         -------   -------

Net interest income before provision for loan losses                         974       856
Provision for loan losses                                                     24         3
                                                                         -------   -------
        Net interest income after provision for loan losses                  950       853
                                                                         -------   -------

Non-interest income:
   Loan fees and late charges                                                 13        14
   Account servicing and other                                                97       103
   Gain on sale of loans                                                       -         -
                                                                         -------   -------
        Total non-interest income                                            110       117
                                                                         -------   -------

Non-interest expense:
   Compensation and benefits                                                 439       393
   Occupancy and equipment                                                   113        79
   Service bureau and data processing                                        101        98
   Federal insurance premiums                                                  3         3
   Other expense                                                             164       138
                                                                         -------   -------
        Total non-interest expense                                           820       711
                                                                         -------   -------

        Income before provision for income taxes                             240       259
Provision for income taxes                                                   104       116
                                                                         -------   -------
        Net income                                                           136       143

Other comprehensive income, net of tax:
   Unrealized gain (loss) on securities available for sale, net of tax       111      (270)
                                                                         -------   -------
Comprehensive income (loss)                                              $   247   ($  127)
                                                                         =======   =======

Earnings per common share:
  Basic                                                                  $  0.08   $  0.09
  Diluted                                                                $  0.08   $  0.08

Weighted average number of shares outstanding:
  Basic                                                                    1,623     1,665
  Diluted                                                                  1,628     1,688
</TABLE>

See notes to unaudited consolidated financial statements.

                                        2

<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 Nine Months Ended
                                                                        June 30,
                                                              -------------------------
                                                                    2005       2004
                                                                  -------    -------
<S>                                                             <C>        <C>
Interest income:

   Loans receivable                                               $ 2,924    $ 2,575
   Securities                                                         771        563
   Other interest-earning assets                                       52         48
                                                                  -------    -------
        Total interest income                                       3,747      3,186
                                                                  -------    -------

Interest expense:
   Deposits                                                           719        661
   Borrowed funds                                                     145          6
                                                                  -------    -------
        Total interest expense                                        864        667
                                                                  -------    -------

Net interest income before provision for loan losses                2,883      2,519
Provision for loan losses                                              65         19
                                                                  -------    -------
        Net interest income after provision for loan losses         2,818      2,500
                                                                  -------    -------

Non-interest income:
   Loan fees and late charges                                          38         41
   Account servicing and other                                        301        300
   Gain on sale of loans                                                2          2
                                                                  -------    -------
        Total non-interest income                                     341        343
                                                                  -------    -------

Non-interest expense:
   Compensation and benefits                                        1,266      1,199
   Occupancy and equipment                                            308        241
   Service bureau and data processing                                 297        299
   Federal insurance premiums                                           9          9
   Other expense                                                      467        419
                                                                  -------    -------
        Total non-interest expense                                  2,347      2,167
                                                                  -------    -------

        Income before provision for income taxes                      812        676
Provision for income taxes                                            354        294
                                                                  -------    -------
        Net income                                                    458        382

Other comprehensive income, net of tax:
   Unrealized loss on securities available for sale, net of tax      (234)      (196)
                                                                  -------    -------
Comprehensive income                                              $   224    $   186
                                                                  =======    =======

Earnings per common share:
  Basic                                                           $  0.28    $  0.23
  Diluted                                                         $  0.28    $  0.23

Weighted average number of shares outstanding:
  Basic                                                             1,608      1,663
  Diluted                                                           1,622      1,681
</TABLE>

See notes to unaudited consolidated financial statements.

                                        3

<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       Total
                               ----------- ------------- --------------------------------------- ------------  ---------
<S>                                 <C>        <C>            <C>          <C>          <C>            <C>    <C>
Balance at September 30, 2004        $169       $10,151        ($776)            -       $5,936        $  74    $15,554

Net income for the nine months
  ended June 30, 2005                   -             -            -             -          458            -        458

Exercise of stock options               2            79            -             -            -            -         81

Common stock acquired by RSP            -            (1)           -           (20)           -            -        (21)

Allocation of RSP shares                -             -            -             5            -            -          5

Amortization of ESOP shares             -             8           59             -            -            -         67

Tax benefit of stock benefit plans      -            86            -             -            -            -         86

Change in unrealized gain on
  securities available for sale,
  net of income taxes                   -             -            -                          -         (234)      (234)
                               ----------  ------------   ----------    ----------   ----------    ---------    -------

Balance at June 30, 2005             $171       $10,323        ($717)         ($15)      $6,394        ($160)   $15,996
                               ==========  ============   ==========    ==========   ==========    =========    =======
</TABLE>

See notes to unaudited consolidated financial statements.

                                        4
<PAGE>

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

(Unaudited)

(In Thousands)
<TABLE>
<CAPTION>
                                                                         For the Nine Months Ended
                                                                                  June 30,
                                                                         -------------------------
                                                                               2005       2004
                                                                             -------    -------
<S>                                                                        <C>        <C>
Cash flows from operating activities:
   Net income                                                                $   458    $   382
   Adjustments to reconcile net income to cash provided by
     operating activities:
         Depreciation                                                            132        116
         Amortization of premiums and discounts, net                              11         36
         Amortization of deferred loan fees and costs, net                         9          4
         Provision for loan losses                                                65         19
         Originations of loans held for sale, net of repayments                 (730)      (993)
         Gain on sale of loans                                                    (2)        (2)
         Proceeds from sale of loans held for sale                               752        994
         Increase in other assets                                                (20)       (81)
         (Increase) decrease in accrued interest receivable                      (50)        34
         Increase (decrease) in other liabilities                                 59        (71)
         Expense of ESOP and RSP                                                  72         34
                                                                             -------    -------
                   Net cash provided by operating activities                     756        472
                                                                             -------    -------

Cash flows from investing activities:
    Proceeds from maturities of certificates of deposit                          900        400
    Purchase of securities available for sale                                 (8,756)    (6,000)
    Proceeds from payments and maturities of securities available for sale     4,028      9,021
    Purchase of securities held to maturity                                        -       (140)
    Proceeds from payments and maturities of securities held to maturity         348        805
    Loan originations, net of principal repayments                            (5,431)    (6,915)
    Proceeds from sale of loans                                                    -        200
   (Purchase) redemption of Federal Home Loan Bank stock                         (44)         6
    Purchase of premises and equipment                                          (539)       (82)
                                                                             -------    -------
                   Net cash used in investing activities                      (9,494)    (2,705)
                                                                             -------    -------

Cash flows from financing activities:
    Net increase (decrease) in deposits                                        2,385       (345)
    Net increase in short-term borrowed funds                                    200      2,300
    Proceeds from long-term borrowed funds                                     5,000          -
    Increase  in advance payments by borrowers for taxes
       and insurance                                                               4         48
    Purchase of common shares by RSP                                             (21)         -
    Proceeds from exercise of stock options                                       81          -
                                                                             -------    -------
                   Net cash provided by financing activities                   7,649      2,003
                                                                             -------    -------

    Net decrease in cash and cash equivalents                                 (1,089)      (230)
    Cash and cash equivalents at beginning of period                           3,697      2,031
                                                                             -------    -------
    Cash and cash equivalents at end of period                               $ 2,608    $ 1,801
                                                                             =======    =======

Supplemental Disclosures of Cash Flow Information:
    Cash paid for:
        Interest on deposits and borrowed funds                              $   864    $   671
        Income taxes                                                             198        259

</TABLE>

See notes to unaudited consolidated financial statements.

                                        5

<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 and nine months ended June 30, 2005, are
not  necessarily  indicative  of the results to be expected  for the year ending
September  30,  2005,  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, 2004 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") and Restricted
Stock Plan  ("RSP").  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.  Per share data for periods prior to October 1, 2004
has been restated to reflect the second step  conversion  completed on September
30, 2004.

The following is a summary of the Company's earnings per share calculations:

<TABLE>
<CAPTION>
                                Three Months Ended June 30,    Nine Months Ended June 30,
                                ---------------------------    --------------------------
                                     2005         2004            2005         2004
                                  ----------   ----------      ----------   ----------

<S>                               <C>          <C>             <C>          <C>
Net income                        $  136,114   $  143,104      $  457,738   $  381,613
                                  ==========   ==========      ==========   ==========

Weighted average common shares
outstanding for computation of
basic EPS                          1,622,659    1,664,760       1,608,358    1,663,206

Common-equivalent shares due
to the dilutive effect of stock
options and RSP awards                 5,495       22,838          13,613       18,153
                                  ----------   ----------      ----------   ----------

Weighted average common shares
for computation of diluted EPS     1,628,154    1,687,598       1,621,971    1,681,359
                                  ==========   ==========      ==========   ==========

Earnings per common share:
         Basic                    $      .08   $      .09      $      .28   $      .23
         Diluted                         .08          .08             .28          .23

</TABLE>

                                       6

<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  June  30,  2005,  the  Company  had  total  assets,   deposits  and
stockholders'  equity of  $105.4  million,  $82.2  million  and  $16.0  million,
respectively. For the three months ended June 30, 2005, the Company reported net
income of $136,000, or $.08 per diluted share, compared to $143,000, or $.08 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,  which  offset an  improvement  in net
interest  income.  For the nine months ended June 30, 2005, the Company reported
net income of $458,000, or $.28 per diluted share, compared to $382,000, or $.23
per diluted share,  for the same period in 2004.  The  improvement in net income
year-to-date  is primarily  attributable to increased net interest income as the
Company  has  increased  the  volume of its  interest-earning  assets  since the
completion of its recent stock offering.

Changes in Financial Condition

         Total assets  increased  by $8.0 million to $105.4  million at June 30,
2005, from $97.4 million at September 30, 2004.  Investment securities increased
by $4.0 million,  or 15.8%,  while cash and cash  equivalents and investments in
certificates  of deposit  decreased by $1.1 million and $900,000,  respectively.
Loans receivable,  net increased by $5.3 million, or 8.3%. Investment securities
increased to $29.1  million at June 30, 2005 from $25.1 million at September 30,
2004. Investment securities purchased  year-to-date totaled $8.8 million, all of
which are available for sale,  while $4.4 million was received from payments and
calls.  Loans  receivable,  net increased to $69.7 million at June 30, 2005 from
$64.4  million at  September  30,  2004.  The  majority of the increase in loans
receivable,  net  was  attributable  to an  increase  of  $3.1  million  in  the
commercial real estate  portfolio and $2.2 million in the  construction and land
portfolios. Deposits increased by $2.4 million to $82.2 million at June 30, 2005
from $79.8  million at September  30,  2004.  Borrowed  funds  increased by $5.2
million  during the same  period,  to $6.2  million  at June 30,  2005 from $1.0
million at  September  30,  2004.  $5.0 million of the increase was in long-term
borrowings.  Stockholder's equity was $16.0 million at June 30, 2005, increasing
slightly from $15.6 million at September 30, 2004. The largest components of the
change in  stockholders'  equity for the nine months ended June 30, 2005 include
net income of $458,000,  offset by a $234,000  change in the unrealized  gain or
loss on  available-for-sale  securities,  adjusted for deferred  income  taxes,.
During the same  period,  22,642  shares were issued upon the  exercise of stock
options at an exercise price of $3.595 per share and 2,101 shares were purchased
for the  restricted  stock plan at a total cost of  $21,000.  In  addition,  the
amortization of ESOP shares,  the allocation of restricted stock

                                       7

<PAGE>

plan  shares and the tax  benefit  associated  with stock  benefit  plans  added
$67,000, $5,000 and $86,000,  respectively,  to stockholders' equity in the same
time period.


Results of Operations

         Net Interest  Income.  For the  three-months  ended June 30, 2005,  the
Company  reported  net  interest  income  before  provision  for loan  losses of
$974,000, which represents an increase of $118,000 or 13.8% over the same period
in 2004.  The increase in net  interest  income was the result of an increase in
interest income of $228,000, partially offset by an increase in interest expense
of $110,000.  The interest rate spread was 3.49% for the three months ended June
30, 2005  compared to 3.81% for the three months ended June 30, 2004,  while the
net interest margin was 3.90% for the 2005 period compared to 4.07% for the 2004
period.  For the nine-month period ended June 30, 2005, the Company reported net
interest  income  before  provision for loan losses of  $2,883,000,  compared to
$2,519,000 for the nine months ended June 30, 2004, an increase of $364,000,  or
14.5%.  The  interest  rate spread was 3.52% for the nine months  ended June 30,
2005  compared to 3.78% for the nine months ended June 30,  2004,  while the net
interest margin was 3.91% and 4.01%, respectively, for the same periods. 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 nine
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
and  margin  have   compressed   slightly,   as  the  average   yield  on  total
interest-earning  assets for the nine months  ended June 30, 2005 was  unchanged
compared to the nine months ended June 30, 2004, while the overall cost of funds
increased for the same period.

         The  average  balance  of total  interest-earning  assets for the three
months  ended June 30, 2005  increased  by $15.7  million  compared to the three
months  ended June 30,  2004,  while the average  yield  increased to 5.18% from
5.03%.  The increase in total  interest  income of $228,000 for the three months
ended June 30, 2005 is comprised  primarily of an increase in interest income of
$150,000 on loans receivable and $72,000 on investment securities.  Average loan
receivable  balances  increased  by $8.6 million for the three months ended June
30, 2005 compared to the same 2004 period,  while the average yield increased to
5.89% from 5.75%,  reflecting the increases in higher-yielding  loan portfolios.
For the three  months  ended June 30, 2005,  the average  balance of  investment
securities increased by $7.1 million compared to the same 2004 period, while the
average yield increased to 3.51% from 3.33%.

         The  average  balance  of total  interest-earning  assets  for the nine
months  ended June 30,  2005  increased  by $14.9  million  compared to the nine
months ended June 30, 2004, while the average yield remained  unchanged at 5.07%
for both periods. The increase in total interest income of $561,000 for the nine
months  ended June 30, 2005 is  comprised  primarily  of an increase in interest
income of $349,000 on loans  receivable  and $208,000 on investment  securities.
While average loan  receivable  balances  increased by $9.0 million for the nine
months ended June 30, 2005  compared to the same 2004 period,  the average yield
declined  to 5.80% from  5.88%.  For the nine months  ended June 30,  2005,  the
average balance of investment  securities  increased by $6.6 million compared to
the same 2004 period, while the average yield increased to 3.47% from 3.26%.

         Average interest-bearing liabilities increased by $7.1 million and $5.9
million  for the  three  and nine  months  ended  June 30,  2005,  respectively,
compared  to  same  2004  periods.  The  cost  of  interest-bearing  liabilities
increased to 1.69% for the three-month  period ended June 30, 2005,  compared to
1.22% for the same  period of 2004.  For the  nine-month  period  ended June 30,
2005, the cost of interest-bearing liabilities increased to 1.55% from 1.30% for
the same period in 2004.

         Provision  for Loan Losses.  The  provision for loan losses was $24,000
and $65,000,  respectively,  for the three and nine-month periods ended June 30,
2005,  compared to $3,000 and $19,000 for the same periods in 2004.  At June 30,
2005,  the allowance for loan losses was $549,000  (.78% of the loan  portfolio)
compared to $486,000 (.78% of the loan  portfolio) at June 30, 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

                                       8

<PAGE>

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 $7,000, or 6.0% to
$110,000  for  the  three  months  ended  June  30,  2005,   with  the  decrease
attributable to lower account  servicing and other fees collected.  For the nine
months ended June 30, 2005  non-interest  income  totaled  $341,000  compared to
$343,000 for the same period in 2004, with the difference  attributable to lower
loan fees and late charges.

         Non-interest  Expense.  Non-interest  expense  increased  $109,000,  or
15.3%, to $820,000 for the three-month  period ended June 30, 2005 and increased
$180,000, or 8.3%, to $2,347,000 for the nine months then ended, compared to the
same periods in 2004, with increases in compensation and benefits, occupancy and
equipment  and  other  expense.  Much of the  increase  in these  categories  is
attributable  to the  opening  of  the  Bank's  new  administrative  offices  in
Westampton.  The Bank  relocated  its  former  Loan  Center  office,  as well as
administrative  staff formerly located in two other offices, to its new facility
in the quarter  ended March 31,  2005.  We are also  preparing  to open a retail
banking  center  in the same  facility  next  quarter,  which  has  resulted  in
increased  expenses in the current quarter.  This represents an entry into a new
marketplace  for the Bank,  which we  anticipate  will enable us to increase our
deposit and lending base. Also  contributing to the increase in compensation and
benefits  expense is the cost of the ESOP.  Additional costs are attributable to
the shares purchased by the ESOP in conjunction with the second-step conversion.
We have also had an increase in legal  expenses,  associated  with being a fully
public company.


Liquidity and Regulatory Capital Compliance

         On June 30, 2005, the Bank was in compliance with its three  regulatory
capital requirements as follows:

                                           Amount               Percent
                                           ------               -------

Tangible capital                          $11,646               11.02%
Tangible capital requirement                1,585                1.50%
                                          -------               -----
Excess over requirement                   $10,061                9.52%
                                          =======               =====

Core capital                              $11,646               11.02%
Core capital requirement                    4,225                4.00%
                                          -------               -----
Excess over requirement                   $ 7,421                7.02%
                                          =======               =====

Risk-based capital                        $12,204               19.20%
Risk-based capital requirement              5,086                8.00%
                                          -------               -----
Excess over requirement                   $ 7,118               11.20%
                                          =======               =====


         The Company anticipates that it will have sufficient funds available to
meet its current  commitments.  As of June 30,  2005,  the Bank had  outstanding
commitments  to  originate  and to sell  loans  of $7.7  million  and  $128,000,
respectively. At June 30, 2005, there were commitments on unused lines of credit
of $9.1 million,  undisbursed construction loans of $2.5 million and $132,000 in
outstanding  letters of credit.  Certificates of deposit  scheduled to mature in
one year or less as of June 30, 2005, totaled $14.1 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.

                                       9

<PAGE>

Additional Key Operating Ratios

                                                At or for the Three Months
                                                        Ended June 30,
                                                    2005(1)       2004(1)
                                                  --------      --------

Earnings per common share (2):
    Basic                                     $      0.08   $      0.09
    Diluted                                   $      0.08   $      0.08
Return on average assets (1)                          .52%          .64%
Return on average equity (1)                         3.44%         7.61%
Interest rate spread (1)                             3.49%         3.81%
Net interest margin (1)                              3.90%         4.07%
Non-interest expense to average assets (1)           3.12%         3.19%
Non-performing assets to total assets                 .05%          .21%
Non-performing loans to total loans                   .08%          .29%

                                                       At  June 30,
                                                    2005          2004
                                                  --------      --------

Book value per share (3)                      $      9.35   $      4.39

---------------
(1)  The ratios for the three-month  periods  presented are annualized.
(2)  The average number of shares outstanding during the three months ended June
     30, 2005, was 1,622,659 basic and 1,628,154 diluted.  The average number of
     shares  outstanding  during  the three  months  ended  June 30,  2004,  was
     1,664,760  basic and 1,687,598  diluted,  as adjusted to reflect the 3.9636
     exchange ratio in the second-step conversion.
(3)  There were 1,710,045  shares  outstanding as of June 30, 2005 and 1,686,512
     shares  outstanding  as of June 30, 2004, as adjusted to reflect the 3.9636
     exchange ratio in the second-step conversion.


                                              For the Nine Months Ended
                                                        June 30,
                                                  2005(1)       2004(1)
                                                 --------      --------

Earnings per common share (2):
    Basic                                    $      0.28   $      0.23
    Diluted                                  $      0.28   $      0.23
Return on average assets (1)                         .59%          .57%
Return on average equity (1)                        3.88%         6.89%
Interest rate spread (1)                            3.52%         3.78%
Net interest margin (1)                             3.91%         4.01%
Non-interest expense to average assets (1)          3.03%         3.26%

---------------
(1)  The ratios for the nine-month periods presented are annualized.
(2)  The average number of shares  outstanding during the nine months ended June
     30, 2005, was 1,608,358 basic and 1,621,971 diluted.  The average number of
     shares  outstanding  during  the  nine  months  ended  June 30,  2004,  was
     1,663,206  basic and 1,681,359  diluted,  as adjusted to reflect the 3.9636
     exchange ratio in the second-step conversion.

                                       10

<PAGE>

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.

                                       11

<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:
<TABLE>
<CAPTION>
            <S>    <C>
               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
</TABLE>

------------------
*    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.

                                       12

<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.

<TABLE>
<CAPTION>
<S>                             <C>
Date:  August 8, 2005                By:  /s/Frank J. Travea, III
                                          --------------------------------------------------------
                                          Frank J. Travea, III
                                          President and Chief Executive Officer
                                                   (Principal Executive Officer)

Date:  August 8, 2005                By:  /s/Janice A. Summers
                                          --------------------------------------------------------
                                          Janice A. Summers
                                          Senior Vice President, Chief Operating Officer and Chief
                                             Financial Officer
                                          (Principal Financial and Accounting Officer)
</TABLE>

                                       13