United Bank of Philadelphia: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
United Bank of Philadelphia is the primary bank subsidiary of its parent holding company, headquartered in Philadelphia, PA. The Q2 2026 balance sheet stands at $48M in assets, including $27M in loans. Earnings turned negative this period, with ROA at -1.49%. Regulatory capital is solid, 36.29% CET1 and 37.55% total risk-based capital ratio. Asset quality is impaired, with nonperforming loans at 30.49%. 2 branches make up the footprint.
As of June 30, 2026, United Bank of Philadelphia reported a CET1 capital ratio of 36.29%, a return on assets of -1.49%, a nonperforming-loan ratio of 30.49%, a Texas ratio of 100.45%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1501 N Broad St, Philadelphia, PA 19122
- County
- Philadelphia
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 23, 1992
- Offices
- 2 domestic
- Employees (FTE)
- 15
- Domestic deposits
- $40.2M
- Allowance for credit losses
- $405K
- Net charge-offs (YTD)
- -$16K
- Average total assets
- $48.9M
- Average total loans
- $26.6M
- Average interest-bearing deposits
- $25.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 23, 1992
- FDIC Cert
- 33568
- Fed RSSD
- 1945247
- SEC CIK
- 700564 → filed by FULTON FINANCIAL CORPORATION
- Website
- http://www.ubphila.com →
- Parent Holding Company
- UNITED BANCSHARES, INC. (RSSD 2259268)
- Ultimate Parent
- FULTON FINANCIAL CORPORATION (RSSD 1117129)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full United Bank of Philadelphia terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock United Bank of Philadelphia, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
A Texas Ratio above 100% means non-performing assets exceed the bank's capital and reserves. Historically correlates with elevated failure risk per the 1980s Texas banking crisis from which the ratio was named. Analyst heuristic (Cassidy/RBC), not a supervisory threshold.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
United Bank of Philadelphia rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 36.29% | -1.49% | 30.49% | 100.45% | 5.37% |
| Q1 2026 | 36.96% | -3.78% | 30.62% | 98.30% | 5.14% |
| Q4 2025 | 34.69% | -1.75% | 29.47% | 101.87% | 5.53% |
| Q3 2025 | 36.08% | 0.03% | 29.02% | 101.12% | 5.86% |
| Q2 2025 | 36.32% | -0.02% | 27.96% | 102.98% | 5.94% |
| Q1 2025 | 35.10% | -0.75% | 28.26% | 98.62% | 5.95% |
| Q4 2024 | 34.75% | -1.16% | 30.70% | 112.36% | 6.13% |
| Q3 2024 | 38.24% | 0.41% | 29.35% | 102.81% | 7.09% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| United Bank of Philadelphia (main office) | Philadelphia , PA | 19122 | $40.2M |
| Corporate Headquarters Branch | Philadelphia , PA | 19102 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 25, 1994 | Structure Change | Acquired Ukrainian Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 31, 1993 | Structure Change | Acquired Chase Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 30, 1993 | Merger | Rtc Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for United Bank of Philadelphia, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- February 23, 2000, Federal Reserve: Written Agreement: United Bancshares, Inc., Philadelphia, PA and United Bank of Philadelphia, Philadelphia, PA
- Period: Most recent institution action February 23, 2000. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in PA, rank 139 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about United Bank of Philadelphia
What are United Bank of Philadelphia's total assets?
As of the Q2 2026 filing, United Bank of Philadelphia reported total assets of $48.4 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is United Bank of Philadelphia headquartered?
United Bank of Philadelphia is headquartered in Philadelphia, PA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was United Bank of Philadelphia founded?
United Bank of Philadelphia was established in 1992, per the FDIC institution directory.
Is United Bank of Philadelphia FDIC-insured?
Yes. United Bank of Philadelphia is an FDIC-insured commercial bank (FDIC Certificate #33568). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Bank of Philadelphia?
United Bank of Philadelphia's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is United Bank of Philadelphia's CET1 capital ratio?
United Bank of Philadelphia reported a Common Equity Tier 1 (CET1) capital ratio of 36.29% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does United Bank of Philadelphia operate?
United Bank of Philadelphia operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Bank of Philadelphia's Texas Ratio?
United Bank of Philadelphia's Texas Ratio is 100.45% in its Q2 2026 call report, elevated; historically a Texas Ratio above 100% correlates with elevated failure risk. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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