PackageTrendsPeer
Letter portraitLegal landscape

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 75thStandingRank8-Qtr TrendPeer 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