United Savings Bank: how it compares with its peers
Against 39 PA banks with half to twice its assets, United Savings Bank's strongest measure in Q2 2026 is assets per employee ($11.5M vs. a $7.3M peer median). Its weakest relative measure is net interest margin (2.96% vs. 3.35%).
| Measure | United Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.84% | 0.80% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.96% | 3.35% | Bottom third Ahead of 23% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.67% | 66.56% | Middle third Ahead of 62% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.5M | $7.3M | Top third Ahead of 82% of peers |
| Loans to deposits Net loans and leases over total deposits. | 52.01% | 78.48% | Context |
What it means for lending operations
Its efficiency ratio of 63.67% is better than the 66.56% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Elderton State Bank Elderton, PA · $465M
- Hometown Bank of Pennsylvania Bedford, PA · $454M
- The Neffs National Bank Neffs, PA · $471M
- Community State Bank of Orbisonia Orbisonia, PA · $473M
- SSB Bank Pittsburgh, PA · $430M
- Marion Center Bank Indiana, PA · $425M
Questions about United Savings Bank
How big is United Savings Bank?
United Savings Bank, established in 1923, is headquartered in Philadelphia, PA. It reported $461M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is United Savings Bank's return on assets?
0.84% annualized in Q2 2026, against a 0.80% median for 39 PA banks with half to twice its assets, ahead of 54% of them.
What is United Savings Bank's efficiency ratio?
63.67% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 66.56%, and lower is better.
Is United Savings Bank growing its loans?
Net loans grew 5.4% over the year to Q2 2026, while deposits grew 2.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.