United Savings Bank
Also written as USB
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Data as of · sourced from FFIEC call reports. How we update
United Savings Bank is an FDIC-insured savings bank headquartered in Philadelphia, PA, established in 1923 (FDIC certificate 28836), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $460.6M, up 2.9% from Q2 2025, the 72nd largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.44% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28836
- Headquarters
- Philadelphia, PA
- Established
- 1923
- Total assets, Q2 2026
- $460.6M
- Assets vs Q2 2025
- +2.9%
- Tier 1 leverage ratio, Q2 2026
- 17.44%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 236073225
- Latest call report
- Q2 2026, FFIEC 051 · United Savings Bank Q3 2026 call report, filed October 26, 2026 (preliminary)
- Asset rank in state
- 72nd of 109 in Pennsylvania
United Savings Bank, based in Philadelphia, Pennsylvania, reported $461 million in assets at June 30, 2026, up 2.9% from a year earlier. It keeps 3.05 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). On the other hand, it funds 17.44% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
Loans are outrunning deposits: over the year loans rose 5.4% and deposits rose 2.0%. Its $60 million non-owner-occupied commercial real estate book is now fully current, after 0.53% of it was past due or on nonaccrual a year earlier. Profitability lags: it returns 5.1% a year on shareholders' equity, about a third the median of 12.6% for banks its size.
As of June 30, 2026, United Savings Bank reported a return on assets of 0.91%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, United Savings Bank is the 72nd largest of the 109 banks headquartered in Pennsylvania. Quarter on quarter (Q1 2026 to Q2 2026), its total assets were flat, loans rose 2.5% and deposits fell 1.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 61.3% of total loans, followed by non-owner-occupied commercial real estate loans at 34.7%. Its 6 offices in the FDIC Summary of Deposits are in 4 cities in PA; its Philadelphia 3 offices book 66% of its branch deposits. By the capital ratios in its Q2 2026 call report, United Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1510 Packer Ave, Philadelphia, PA 19145
- County
- Philadelphia
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1923
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 40
- Domestic deposits
- $332.1M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $465.0M
- Average total loans
- $172.7M
- Average interest-bearing deposits
- $261.0M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28836
- Fed RSSD
- 459372
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, United Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, United Savings Bank's total assets ran between $434.8M (Q4 2024) and $460.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$460.6M total assets against $447.6M; $376.6M total liabilities against $367.6M.
$172.8M net loans and leases against $163.9M; $332.1M total deposits against $325.6M.
$134.1M securities against $127.8M; $112.8M cash and balances due against $117.1M.
$4.9M total interest income against $4.8M; $1.7M total interest expense against $1.6M.
$3.2M net interest income against $3.2M.
$232K total noninterest income against $228K; $2.1M total noninterest expense against $2.0M.
No provision recorded in the last 12 quarters.
$1.1M net income against $1.1M.
0.91% return on assets against 0.99%; 3.05% net interest margin against 3.19%.
17.44% tier 1 leverage ratio against 17.38%.
Inside the full United Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnited Savings Bank rankings
Its closest position to the top of a national ranking is 1,871 of 4,196, for total assets; its furthest is 3,417 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.74% (Q1 2026) to 0.99% (Q2 2025) and its net interest margin ran from 2.86% (Q1 2026) to 3.19% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.44% | 0.91% | 0.00% | 0.00% | 3.05% |
| Q1 2026 | 17.51% | 0.74% | 0.00% | 0.00% | 2.86% |
| Q4 2025 | 17.36% | 0.92% | 0.00% | 0.00% | 3.04% |
| Q3 2025 | 17.19% | 0.92% | 0.00% | 0.00% | 3.00% |
| Q2 2025 | 17.38% | 0.99% | 0.00% | 0.00% | 3.19% |
| Q1 2025 | 17.30% | 0.78% | 0.06% | 0.13% | 2.90% |
| Q4 2024 | 16.83% | 0.94% | 0.06% | 0.13% | 3.07% |
| Q3 2024 | 16.47% | 0.86% | 0.06% | 0.13% | 2.88% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 Savings Bank (main office) | Philadelphia , PA | 19145 | $169.9M |
| Media Branch | Media , PA | 19063 | $70.6M |
| Springfield Branch | Springfield , PA | 19064 | $27.7M |
| 10th Street Branch | Philadelphia , PA | 19147 | $25.1M |
| Marconi Branch | Philadelphia , PA | 19148 | $24.0M |
| Broomall Branch | Broomall , PA | 19008 | $14.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 97 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Savings Bank
What are United Savings Bank's total assets?
As of the Q2 2026 filing, United Savings Bank reported total assets of $460.6 million in its FFIEC call report.
Where is United Savings Bank headquartered?
It is headquartered in Philadelphia, PA, United States.
When was United Savings Bank founded?
It was established in 1923, per the FDIC institution directory.
Is United Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28836). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Savings Bank?
United Savings Bank's primary federal regulator is the FDIC.
How many branches does United Savings Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Savings Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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