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United Bank of Philadelphia

Philadelphia, PA · Cert 33568 · United Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$48.4MAssets
$27.3MLoans
$40.2MDeposits
$8.1MEquity
Loan mix
71%RE $19.4M29%C&I $7.9M1%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $25.1M37%Noninterest $15.1MQ2 2025Q2 2026

NIM

6.05%Q2 ’245.63%Q2 ’255.28%Q2 ’26-7%-8%

Non-interest income vs. expense

6.33%Q2 ’245.91%Q2 ’257.79%Q2 ’26-9%+18%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #72 of 88 inst. · $0.0B of $685.1B

Executive Summary

  • Earnings: ROA of -1.48%, down 146 bps year over year; NIM at 5.12%.
  • Asset quality: problem loans at 11.33% of loans (+250 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 16.58%, down 29 bps from a year ago.
  • Funding: loans stand at 67.90% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-1.48%-146 bps YoY

Net Interest Margin (quarter, annualized)

5.12%-42 bps YoY

Efficiency Ratio (quarter, annualized)

126.93%+2,365 bps YoY

Tier 1 Leverage Ratio

16.58%-29 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.02%0.03%-1.78%-3.78%-1.48%-146 bps
Return on Equity-0.13%0.18%-10.14%-22.22%-8.88%-875 bps
Net Interest Margin5.54%5.51%5.13%4.84%5.12%-42 bps
Efficiency Ratio103.28%100.11%127.06%125.23%126.93%+2,365 bps
Non-Interest Burden5.72%5.52%6.93%6.34%6.77%+105 bps
Growth
Asset Growth (YoY)-9.45%-10.81%-4.88%-7.29%-6.36%+309 bps
Loan Growth (YoY)-6.16%-10.64%-13.96%-8.55%-3.64%+252 bps
Deposit Growth (YoY)-10.70%-12.10%-4.70%-6.61%-5.17%+554 bps
Asset Quality
Nonperforming Loans / Loans8.83%9.13%9.34%11.03%11.33%+250 bps
Net Charge-Offs / Loans-0.17%-0.01%-0.06%-0.20%-0.03%+14 bps
Allowance / Loans0.46%0.46%0.46%1.54%1.48%+102 bps
Allowance Coverage of NPLs0.1x0.0x0.0x0.1x0.1x+0.1x
Capital
Tier 1 Leverage Ratio16.87%17.29%17.00%16.48%16.58%-29 bps
Total Risk-Based Capital36.85%36.59%35.18%38.21%37.55%+70 bps
Equity / Assets17.38%17.67%17.38%16.66%16.72%-66 bps
Liquidity & Funding
Loans / Deposits66.83%66.71%64.46%66.45%67.90%+107 bps
Liquid Assets / Assets26.46%27.04%29.35%29.97%27.64%+118 bps
CRE / Total Capitaln/a201%200%211%n/an/a