United Bank of Philadelphia
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Data as of · sourced from FFIEC call reports. How we update
United Bank of Philadelphia is an FDIC-insured commercial bank headquartered in Philadelphia, PA, established in 1992 (FDIC certificate 33568), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $48.4M, down 6.4% from Q2 2025, the 106th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 36.29% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 33568
- Headquarters
- Philadelphia, PA
- Established
- 1992
- Total assets, Q2 2026
- $48.4M
- Assets vs Q2 2025
- -6.4%
- CET1 ratio, Q2 2026
- 36.29%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 036002810
- Latest call report
- Q2 2026, FFIEC 051 · United Bank of Philadelphia call report
- Holding company
- UNITED BANCSHARES, INC.
- Asset rank in state
- 106th of 109 in Pennsylvania
Problem loans are rising at United Bank of Philadelphia. It reported $48 million in assets at June 30, 2026, down 6.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 5.18% of loans from 3.58% a year earlier. It loses about $1.49 a year on every $100 of assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median $1.06). It also spends about 127 cents to bring in each dollar of revenue, about double the median of 69 cents for banks its size.
It lost $182,000 in the quarter. The commercial and industrial book ($7.9 million) is worsening: 17.81% of it is past due or on nonaccrual, up from 12.66% a year earlier. Credit is the area to watch: it carries problem assets equal to 16.7% of the capital and reserves that would absorb them, 12.1 times the median of 1.4% for banks its size.
As of June 30, 2026, United Bank of Philadelphia reported a CET1 capital ratio of 36.29%, a return on assets of -1.49%, a nonperforming-loan ratio of 11.33% and a Texas ratio of 16.75%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, United Bank of Philadelphia is the 106th largest of the 109 banks headquartered in Pennsylvania. Between Q1 2026 and Q2 2026, its total assets fell 2.8% to $48.4M, loans fell 0.8% and deposits fell 2.9%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 55.1% of total loans, followed by commercial and industrial loans at 28.8%. Its 2 offices in the FDIC Summary of Deposits are in Philadelphia, PA. On its Q2 2026 call report, United Bank of Philadelphia meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1501 N Broad St, Philadelphia, PA 19122
- County
- Philadelphia
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 23, 1992
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $40.2M
- Allowance for credit losses
- $405K
- Net charge-offs (YTD)
- -$16K
- Average total assets
- $48.9M
- Average total loans
- $26.6M
- Average interest-bearing deposits
- $25.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 23, 1992
- FDIC Cert
- 33568
- Fed RSSD
- 1945247
- SEC CIK
- 944792 → filed by UNITED BANCSHARES, INC.
- Website
- http://www.ubphila.com →
- Parent Holding Company
- UNITED BANCSHARES, INC. (RSSD 2259268)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
United Bank of Philadelphia's total assets moved between a low of $48.4M (Q2 2026) and a high of $57.2M (Q3 2024) from Q3 2023 to Q2 2026, and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$48.4M total assets against $51.7M; $40.3M total liabilities against $42.7M.
$26.9M net loans and leases against $28.2M; $40.2M total deposits against $42.4M.
$4.9M securities against $4.8M; $15.7M cash and balances due against $16.5M.
$645K total interest income against $750K; $20K total interest expense against $13K.
$625K net interest income against $737K.
$125K total noninterest income against $25K; $952K total noninterest expense against $787K.
-$20K provision for credit losses against -$22K.
-$182K net income against -$3K.
-1.49% return on assets against -0.02%; 5.37% net interest margin against 5.94%.
36.29% CET1 capital ratio against 36.32%; 16.58% tier 1 leverage ratio against 16.87%.
Inside the full United Bank of Philadelphia terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
United Bank of Philadelphia rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -3.78% (Q1 2026) to 0.41% (Q3 2024) and its net interest margin ran from 5.14% (Q1 2026) to 7.09% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 36.29% | -1.49% | 11.33% | 16.75% | 5.37% |
| Q1 2026 | 36.96% | -3.78% | 11.03% | 16.38% | 5.14% |
| Q4 2025 | 34.69% | -1.75% | 9.34% | 23.95% | 5.53% |
| Q3 2025 | 36.08% | 0.03% | 9.13% | 22.03% | 5.86% |
| Q2 2025 | 36.32% | -0.02% | 8.83% | 25.74% | 5.94% |
| Q1 2025 | 35.10% | -0.75% | 10.62% | 16.60% | 5.95% |
| Q4 2024 | 34.75% | -1.16% | 11.49% | 20.14% | 6.13% |
| Q3 2024 | 38.24% | 0.41% | 10.72% | 18.79% | 7.09% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| United Bank of Philadelphia (main office) | Philadelphia , PA | 19122 | $40.2M |
| Corporate Headquarters Branch | Philadelphia , PA | 19102 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 25, 1994 | Structure Change | Acquired Ukrainian Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 31, 1993 | Structure Change | Acquired Chase Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 30, 1993 | Merger | Rtc Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- February 23, 2000, Federal Reserve: Written Agreement: United Bancshares, Inc., Philadelphia, PA and United Bank of Philadelphia, Philadelphia, PA
- Period: Most recent institution action February 23, 2000. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in PA, rank 139 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $780K approved, $390K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about United Bank of Philadelphia
What are United Bank of Philadelphia's total assets?
As of the Q2 2026 filing, United Bank of Philadelphia reported total assets of $48.4 million in its FFIEC call report.
Where is United Bank of Philadelphia headquartered?
It is headquartered in Philadelphia, PA, United States.
When was United Bank of Philadelphia founded?
It was established in 1992, per the FDIC institution directory.
Is United Bank of Philadelphia FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33568). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Bank of Philadelphia?
United Bank of Philadelphia's primary federal regulator is the FDIC.
What is United Bank of Philadelphia's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 36.29% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does United Bank of Philadelphia operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Bank of Philadelphia's Texas Ratio?
Its Texas Ratio is 16.75% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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