United Bank of Philadelphia: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 1.70 percentage points in Q2 2026, from 70.98% to 72.68%. It was the largest change from Q1 2026 among the key lines here. United Bank of Philadelphia ranks 95th of 109 Pennsylvania banks on loan-to-deposit ratio, in the lower half at 67.90% (Q2 2026). At 67.90%, United Bank of Philadelphia's loan-to-deposit ratio is close to the 67.62% median for banks in the < $100M asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $20.6M |
| Fed funds sold and reverse repos | $1.0M |
| Fed funds sold and reverse repos to assets | 2.16% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.90% |
| Net loans and leases to deposits | 66.89% |
| Loans and leases to core deposits | 72.68% |
| Core deposits to total deposits | 93.42% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 65.72% | 97.91% | $0 | $0 |
| Q4 2023 | 69.29% | 95.46% | $0 | $0 |
| Q1 2024 | 68.38% | 96.03% | $0 | $0 |
| Q2 2024 | 63.59% | 95.58% | $0 | $0 |
| Q3 2024 | 65.62% | 95.56% | $0 | $0 |
| Q4 2024 | 71.40% | 92.77% | $0 | $0 |
| Q1 2025 | 67.86% | 93.50% | $0 | $0 |
| Q2 2025 | 66.83% | 93.20% | $0 | $0 |
| Q3 2025 | 66.71% | 93.09% | $0 | $0 |
| Q4 2025 | 64.46% | 94.41% | $0 | $0 |
| Q1 2026 | 66.45% | 93.62% | $0 | $0 |
| Q2 2026 | 67.90% | 93.42% | $0 | $0 |
United Bank of Philadelphia liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank of Philadelphia, freeSource: Call Report Schedules RC and RC-M, 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)