PackageTrendsPeer
Letter portraitLegal landscape

United Savings Bank

Philadelphia, PA · Cert 28836

SI · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

50

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

55

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

United Savings Bank

Philadelphia, PA · Cert 28836

SI · FDIC · 6 branches

Q2 2026

$460.6MAssets
$174.1MLoans
$332.1MDeposits
$84.0MEquity
Loan mix
99%RE $169.3M0%C&I $0.7M0%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $265.4M20%Noninterest $66.7MQ2 2025Q2 2026

NIM

3.90%Q2 ’244.16%Q2 ’254.08%Q2 ’26+6%-3%

Non-interest income vs. expense

1.73%Q2 ’241.82%Q2 ’251.80%Q2 ’26+5%-1%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #44 of 88 inst. · $0.3B of $685.1B

0.3% Philadelphia
0.7% Delaware

Executive Summary

  • Earnings: ROA of 0.84%, down 5 bps year over year; NIM at 2.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 17.44%, up 6 bps from a year ago.
  • Funding: loans stand at 52.41% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.84%-5 bps YoY

Net Interest Margin (YTD, annualized)

2.66%-9 bps YoY

Efficiency Ratio (YTD, annualized)

63.67%+156 bps YoY

Tier 1 Leverage Ratio

17.44%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.91%0.91%0.74%0.84%-5 bps
Return on Equity4.96%5.05%5.07%4.09%4.59%-37 bps
Net Interest Margin2.75%2.70%2.71%2.59%2.66%-9 bps
Efficiency Ratio62.11%61.34%61.29%66.79%63.67%+156 bps
Non-Interest Burden1.62%1.57%1.57%1.65%1.61%-1 bps
Growth
Asset Growth (YoY)0.79%2.61%3.11%4.99%2.91%+212 bps
Loan Growth (YoY)2.97%3.33%-0.78%1.29%5.37%+240 bps
Deposit Growth (YoY)0.30%2.86%2.26%5.55%2.01%+172 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.80%0.79%0.79%0.78%0.76%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio17.38%17.19%17.36%17.51%17.44%+6 bps
Total Risk-Based Capital17.38%17.19%17.36%17.51%17.44%+6 bps
Equity / Assets17.87%17.96%18.31%18.01%18.23%+37 bps
Liquidity & Funding
Loans / Deposits50.74%50.67%51.25%50.34%52.41%+167 bps
Liquid Assets / Assets54.39%54.40%53.40%54.33%53.31%-107 bps
CRE / Total Capitaln/a79.97%80.48%81.94%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

United Savings Bank

Philadelphia, PA · Cert 28836 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)

SI · FDIC · 6 branches

Q2 2026

$460.6MAssets
$174.1MLoans
$332.1MDeposits
$84.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 7 of 27).
  • Widest gap: net interest margin trails 81% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 25 of 31).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.83%

Rank 17 of 31

Net Interest Margin

2.66%

Rank 25 of 31

Efficiency Ratio

63.67%

Rank 15 of 31

Equity / Assets

18.23%

Rank 10 of 31

Non-interest income vs. expense

$0.9M$8.4MINCOMEEXPENSE
Unfavorable gap of $7.5M · efficiency ratio beats 55% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 63.67%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.83%0.63%0.93%2.39%Beats 45%17 / 31
Return on Equity4.54%4.15%7.07%14.29%Beats 26%23 / 31
Net Interest Margin2.66%2.72%3.26%3.84%Beats 19%25 / 31
Efficiency Ratio63.67%49.04%63.83%80.34%Beats 55%15 / 31
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.24%1.22%Beats 100%7 / 27
Net Charge-Offs / Loans0.00%n/an/a0.01%Beats 100%16 / 27
Capital
Tier 1 Capital Ratio17.44%13.01%19.43%42.39%Beats 42%18 / 31
Total Risk-Based Capital Ratio17.44%13.95%20.55%43.38%Beats 39%19 / 31
Equity / Assets18.23%9.21%12.36%21.28%Beats 68%10 / 31
Liquidity & Funding
Loans / Deposits52.41%52.41%83.15%99.86%23rd pctl24 / 31
Loans / Assets37.80%37.80%67.87%79.23%23rd pctl24 / 31
Brokered Deposits / Depositsn/aNot reported for this institution