United Bank of Philadelphia: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Bank of Philadelphia of Philadelphia, PA against its peer group of 506 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -1.49% | 3.14% | -4.63% | 6th bottom |
| ROAE | -8.88% | 10.33% | -19.21% | 6th bottom |
| Net Interest Margin | 5.37% | 3.94% | +1.43% | 93rd top |
| Efficiency Ratio | 126.93% | 76.25% | +50.68% | 7th bottom |
| PPNR / Avg Assets | -1.65% | 1.41% | -3.06% | 4th bottom |
| Yield on Earning Assets | 5.54% | 5.35% | +0.19% | 63rd above |
| Cost of Funds | 0.20% | 1.70% | -1.50% | 97th top |
| Net Interest Spread | 5.22% | 3.32% | +1.90% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 30.49% | 1.30% | +29.19% | 0th bottom |
| NPA / Total Assets | 17.19% | 0.69% | +16.50% | 0th bottom |
| NCO / Avg Loans | -0.03% | 0.10% | -0.13% | 88th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.48% | 1.49% | -0.01% | 66th above |
| ACL / NPLs (Coverage) | 4.87% | 866.88% | -862.01% | 0th bottom |
| Texas Ratio | 100.45% | 8.14% | +92.31% | 1st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 36.29% | 62.24% | -25.95% | 71st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 36.29% | 62.25% | -25.96% | 71st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 37.55% | 63.21% | -25.66% | 71st above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 16.58% | 17.64% | -1.06% | 72nd above |
| Equity / Assets | 16.72% | 16.45% | +0.27% | 73rd above |
| TCE / Tangible Assets | 16.63% | 16.19% | +0.44% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 67.90% | 72.84% | -4.94% | 49th below |
| Core Deposit Ratio | 93.42% | 88.27% | +5.15% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.36% | 4.27% | -10.63% | 9th bottom |
| Loan Growth (Y/Y) | -3.64% | 6.77% | -10.41% | 24th bottom |
| Deposit Growth (Y/Y) | -5.17% | 3.73% | -8.90% | 13th bottom |
See United Bank of Philadelphia's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Bank of Philadelphia, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full United Bank of Philadelphia profile, how to read a UBPR, or how this data updates.