United Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.08 percentage points higher than in Q1 2026, at 52.41%. United Savings Bank ranks 65th of 109 Pennsylvania banks on return on assets, in the lower half at 0.91% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. United Savings Bank sits 0.34 points lower, at 0.91% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 17.44% |
| Equity capital to assets | 18.23% |
| Tangible equity to tangible assets | 18.23% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.76% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.91% |
| Return on equity | 5.10% |
| Net interest margin | 3.05% |
| Efficiency ratio | 60.79% |
| Yield on earning assets | 4.66% |
| Cost of funds | 1.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.41% |
| Core deposits to total deposits | 81.55% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 72.11% |
| Securities to assets | 29.11% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.31% | 0.75% | 2.60% | 0.00% | 0.00% |
| Q4 2023 | 15.68% | 0.88% | 2.78% | 0.06% | 0.00% |
| Q1 2024 | 16.16% | 0.69% | 2.69% | 0.06% | 0.00% |
| Q2 2024 | 16.37% | 0.96% | 2.99% | 0.06% | 0.00% |
| Q3 2024 | 16.47% | 0.86% | 2.88% | 0.06% | 0.00% |
| Q4 2024 | 16.83% | 0.94% | 3.07% | 0.06% | 0.00% |
| Q1 2025 | 17.30% | 0.78% | 2.90% | 0.06% | 0.00% |
| Q2 2025 | 17.38% | 0.99% | 3.19% | 0.00% | 0.00% |
| Q3 2025 | 17.19% | 0.92% | 3.00% | 0.00% | 0.00% |
| Q4 2025 | 17.36% | 0.92% | 3.04% | 0.00% | 0.00% |
| Q1 2026 | 17.51% | 0.74% | 2.86% | 0.00% | 0.00% |
| Q2 2026 | 17.44% | 0.91% | 3.05% | 0.00% | 0.00% |
United Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28836) · FFIEC NIC profile (RSSD 459372)