United Bank of Philadelphia: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Common equity Tier 1 ratio fell 0.66 percentage points in Q2 2026 to 36.29%, the biggest move on this page. Among 72 Pennsylvania banks, United Bank of Philadelphia sits 6th from the top on CET1 ratio, 36.29% as of Q2 2026. United Bank of Philadelphia's CET1 ratio of 36.29% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 16.73 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 36.29% |
| Tier 1 risk-based capital ratio | 36.29% |
| Total risk-based capital ratio | 37.55% |
| Tier 1 leverage ratio | 16.58% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $8.1M |
| Tier 1 capital | $8.1M |
| Total risk-based capital | $8.4M |
| Total equity capital | $8.1M |
| Risk-weighted assets | $22.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.72% |
| Tangible equity to tangible assets | 16.63% |
| Equity capital to average assets | 16.57% |
| Internal capital growth rate | -8.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $14.8M |
| Retained earnings | -$7.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$52K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 37.50% | 37.50% | 37.99% | 16.41% | $24.2M |
| Q4 2023 | 34.14% | 34.14% | 34.67% | 16.27% | $26.6M |
| Q1 2024 | 35.68% | 35.68% | 36.22% | 16.28% | $25.8M |
| Q2 2024 | 36.26% | 36.26% | 36.77% | 16.23% | $25.3M |
| Q3 2024 | 38.24% | 38.24% | 38.79% | 16.71% | $24.1M |
| Q4 2024 | 34.75% | 34.75% | 35.29% | 16.99% | $26.1M |
| Q1 2025 | 35.10% | 35.10% | 35.65% | 16.64% | $25.6M |
| Q2 2025 | 36.32% | 36.32% | 36.85% | 16.87% | $24.7M |
| Q3 2025 | 36.08% | 36.08% | 36.59% | 17.29% | $24.9M |
| Q4 2025 | 34.69% | 34.69% | 35.18% | 17.00% | $25.2M |
| Q1 2026 | 36.96% | 36.96% | 38.21% | 16.48% | $22.4M |
| Q2 2026 | 36.29% | 36.29% | 37.55% | 16.58% | $22.3M |
United Bank of Philadelphia regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank of Philadelphia, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full United Bank of Philadelphia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33568) · FFIEC NIC profile (RSSD 1945247)