Philadelphia, PA · Cert 33568 · United Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
69
Asset Quality
52
Profitability
34
Liquidity
82
Efficiency
6
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.
Philadelphia, PA · Cert 33568 · United Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #72 of 88 inst. · $0.0B of $685.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.01% | -0.76% | -0.39% | -0.25% | -0.63% | -3.78% | -2.65% | -225 bps | |
| Return on Equity | 2.30% | 0.03% | -4.49% | -2.31% | -1.48% | -3.64% | -22.22% | -15.65% | -1,333 bps | |
| Net Interest Margin | 6.34% | 6.39% | 5.61% | 5.61% | 5.67% | 5.57% | 4.84% | 5.05% | -56 bps | |
| Efficiency Ratio | 95.35% | 100.52% | 112.31% | 107.85% | 104.90% | 110.60% | 125.23% | 126.08% | +1,823 bps | |
| Non-Interest Burden | 6.01% | 6.42% | 6.31% | 6.06% | 5.98% | 6.26% | 6.34% | 6.65% | +59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.05% | -4.39% | -4.02% | -9.45% | -10.81% | -4.88% | -7.29% | -6.36% | +309 bps | |
| Loan Growth (YoY) | -1.17% | -2.59% | -5.01% | -6.16% | -10.64% | -13.96% | -8.55% | -3.64% | +252 bps | |
| Deposit Growth (YoY) | -1.02% | -5.45% | -4.28% | -10.70% | -12.10% | -4.70% | -6.61% | -5.17% | +554 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 10.72% | 11.49% | 10.62% | 8.83% | 9.13% | 9.34% | 11.03% | 11.33% | +250 bps | |
| Net Charge-Offs / Loans | -0.07% | -0.07% | 0.07% | -0.05% | -0.04% | -0.04% | -0.20% | -0.12% | -7 bps | |
| Allowance / Loans | 0.42% | 0.45% | 0.47% | 0.46% | 0.46% | 0.46% | 1.54% | 1.48% | +102 bps | |
| Allowance Coverage of NPLs | 0.0x | 0.0x | 0.0x | 0.1x | 0.0x | 0.0x | 0.1x | 0.1x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.71% | 16.99% | 16.64% | 16.87% | 17.29% | 17.00% | 16.48% | 16.58% | -29 bps | |
| Total Risk-Based Capital | 38.79% | 35.29% | 35.65% | 36.85% | 36.59% | 35.18% | 38.21% | 37.55% | +70 bps | |
| Equity / Assets | 16.18% | 16.95% | 16.70% | 17.38% | 17.67% | 17.38% | 16.66% | 16.72% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.62% | 71.40% | 67.86% | 66.83% | 66.71% | 64.46% | 66.45% | 67.90% | +107 bps | |
| Liquid Assets / Assets | 30.04% | 24.65% | 28.43% | 26.46% | 27.04% | 29.35% | 29.97% | 27.64% | +118 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 201% | 200% | 211% | n/a | n/a | |
Philadelphia, PA · Cert 33568 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31) · United Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
-2.71%
Rank 30 of 31
Net Interest Margin
5.05%
Rank 1 of 31
Efficiency Ratio
126.08%
Rank 30 of 31
Equity / Assets
16.72%
Rank 11 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -2.71% | 0.63% | 0.93% | 2.39% | Beats 3% | 30 / 31 | ||
| Return on Equity | -16.23% | 4.15% | 7.07% | 14.29% | Beats 3% | 30 / 31 | ||
| Net Interest Margin | 5.05% | 2.72% | 3.26% | 3.84% | Beats 97% | 1 / 31 | ||
| Efficiency Ratio | 126.08% | 49.04% | 63.83% | 80.34% | Beats 6% | 30 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 11.33% | 0.00% | 0.24% | 1.22% | Beats 4% | 27 / 27 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.01% | Beats 100% | 16 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 36.29% | 13.01% | 19.43% | 42.39% | Beats 71% | 9 / 31 | ||
| Total Risk-Based Capital Ratio | 37.55% | 13.95% | 20.55% | 43.38% | Beats 71% | 9 / 31 | ||
| Equity / Assets | 16.72% | 9.21% | 12.36% | 21.28% | Beats 65% | 11 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.90% | 52.41% | 83.15% | 99.86% | 29th pctl | 22 / 31 | ||
| Loans / Assets | 56.37% | 37.80% | 67.87% | 79.23% | 32nd pctl | 21 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||