United Bank of Philadelphia: how it compares with its peers
Against 8 PA banks with half to twice its assets, United Bank of Philadelphia's strongest measure in Q2 2026 is net interest margin (5.22% vs. a 3.01% peer median). Its weakest relative measure is return on assets (-2.65% vs. 0.26%).
| Measure | United Bank of Philadelphia | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -2.65% | 0.26% | Bottom third Ahead of 13% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.22% | 3.01% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 126.08% | 84.32% | Bottom third Ahead of 13% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.2M | $6.2M | Bottom third Ahead of 25% of peers |
| Loans to deposits Net loans and leases over total deposits. | 66.89% | 87.32% | Context |
What it means for lending operations
Its efficiency ratio of 126.08% is above the 84.32% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Second Federal Savings and Loan Association of Philadelphia Philadelphia, PA · $46M
- Compass Savings Bank Wilmerding, PA · $54M
- The Philadelphia Trust Company Philadelphia, PA · $28M
- County Savings Bank Essington, PA · $90M
Questions about United Bank of Philadelphia
How big is United Bank of Philadelphia?
United Bank of Philadelphia, established in 1992, is headquartered in Philadelphia, PA. It reported $48M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is United Bank of Philadelphia's return on assets?
-2.65% annualized in Q2 2026, against a 0.26% median for 8 PA banks with half to twice its assets, ahead of 13% of them.
What is United Bank of Philadelphia's efficiency ratio?
126.08% in Q2 2026: it spent about 126 cents in noninterest expense for each dollar of revenue. The peer median is 84.32%, and lower is better.
Is United Bank of Philadelphia growing its loans?
Net loans shrank 4.6% over the year to Q2 2026, while deposits shrank 5.2%.
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.