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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

4.07%Q2 ’244.31%Q2 ’254.20%Q2 ’26+6%-4%

Non-interest income vs. expense

1.69%Q2 ’241.82%Q2 ’251.79%Q2 ’26+8%-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 0.92%, down 7 bps year over year; NIM at 2.77%.
  • 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 (quarter, annualized)

0.92%-7 bps YoY

Net Interest Margin (quarter, annualized)

2.77%-13 bps YoY

Efficiency Ratio (quarter, annualized)

60.79%+176 bps YoY

Tier 1 Leverage Ratio

17.44%+6 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%0.93%0.93%0.74%0.92%-7 bps
Return on Equity5.55%5.22%5.16%4.09%5.10%-45 bps
Net Interest Margin2.90%2.72%2.76%2.59%2.77%-13 bps
Efficiency Ratio59.04%59.81%61.14%66.79%60.79%+176 bps
Non-Interest Burden1.61%1.54%1.60%1.65%1.59%-2 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