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 | |