United Bank of Philadelphia

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

$48.4MAssets

$27.3MLoans

$40.2MDeposits

$8.1MEquity

Executive Summary

Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 16 of 27).
Widest gap: return on equity trails 97% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 30 of 31).
Overall: at or above the peer median on 5 of 9 directional measures.

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

Non-interest income vs. expense

Unfavorable gap of $3.2M · efficiency ratio beats 6% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
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