UNITED BANK OF PHILADELPHIA

PHILADELPHIA, PA | Micro | Est. March 23, 1992, midnight | FDIC #33568 | RSSD #1945247 | FDIC
Latest Report: 2025-12-31

UNITED BANK OF PHILADELPHIA is amn micro FDIC-insured commercial bank headquartered in PHILADELPHIA, PA, established in March 23, 1992, midnight. As of 2025-12-31, the bank reported total assets of $51M and total deposits of $42M. Profitability stands at -1.78% ROA and -10.14% ROE, with a net interest margin of 5.64%. The bank's CET1 capital ratio is 34.69%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 8.89% and a Texas Ratio of 37.91%. FDIC Certificate #33568.

Assets

$51M

Deposits

$42M

Loans

$27M

Equity

$9M

Profitability

Return on Assets (ROA) -1.78%
Return on Equity (ROE) -10.14%
Net Interest Margin (NIM) 5.64%
Yield on Assets 5.79%
Cost of Funds 0.27%

Asset Quality

NPL Ratio 8.89%
Net Charge-Off Ratio -0.04%
Texas Ratio 37.91%
NPA Ratio 6.68%
ACL / Loans 0.46%

Capital & Liquidity

CET1 Ratio 34.69%
Tier 1 Capital 34.69%
Total Capital Ratio 35.18%
Leverage Ratio 17.00%
Loan-to-Deposit 64.46%

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