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United Bank Of Philadelphia
Philadelphia, PA · FDIC Certificate #33568 · Chartered 03/2
Total assets
$48.41M
Total deposits
$40.19M
Total equity
$8.10M
Net loans
$26.89M
Branches (offices)
2
Net income (YTD)
-$657.00K
Rank: #4,051 of 4,213 U.S. banks by assets · #106 of 109 in Pennsylvania. Assets changed -6.4% and deposits -5.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -2.65% |
| Return on equity | -15.65% |
| Net interest margin (YTD) | 5.22% |
| Equity to assets | 16.72% |
| Tier 1 leverage ratio | 16.58% |
| Uninsured deposits (share of deposits) | 8.4% |
| Noncurrent loans (share of loans) | 11.33% |
| Net charge-offs (share of loans) | -0.12% |
| Loans to deposits | 66.9% |
| Real estate loans (share of loans) | 71.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $19.18M | 71.3% | |
| Commercial & industrial | $7.87M | 29.3% | |
| Consumer / individual | $244.00K | 0.9% | |
| Construction & development | $1.31M | 4.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $62.71M | $55.87M | -$560.00K | $6.09M |
| Jun 2023 | $56.13M | $50.29M | $17.00K | $5.56M |
| Jun 2024 | $57.09M | $47.46M | $101.00K | $9.12M |
| Jun 2025 | $51.70M | $42.38M | -$104.00K | $8.98M |
| Jun 2026 | $48.41M | $40.19M | -$657.00K | $8.10M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $40.19M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $40.19M.
Similar-sized banks
Bank Of Prague ($48.46M) · Farmers And Merchants State Bank Of Alpha ($47.39M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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