United Bank of Philadelphia is a state-chartered bank headquartered in Philadelphia, Pennsylvania, in business for about 34 years. At the end of Q2 2026 it reported $48.4M in total assets and $40.2M in deposits, with 2 offices.
United Bank of Philadelphia has a TellerScore of 47 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 546 banks with under $100 million in assets. Among 110 banks headquartered in Pennsylvania, it ranks 105th. Capital cushion contributes the most (100/100, 16.58%); earnings contributes the least (0/100, -2.65%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (47 → 47).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 53 |
| Q4 2024 | 49 |
| Q1 2025 | 46 |
| Q2 2025 | 47 |
| Q3 2025 | 48 |
| Q4 2025 | 47 |
| Q1 2026 | 47 |
| Q2 2026 | 47 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.23% |
| Q3 2024 | 16.71% |
| Q4 2024 | 16.99% |
| Q1 2025 | 16.64% |
| Q2 2025 | 16.87% |
| Q3 2025 | 17.29% |
| Q4 2025 | 17.00% |
| Q1 2026 | 16.48% |
| Q2 2026 | 16.58% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 11.57% |
| Q3 2024 | 10.72% |
| Q4 2024 | 11.49% |
| Q1 2025 | 10.62% |
| Q2 2025 | 8.83% |
| Q3 2025 | 9.13% |
| Q4 2025 | 9.34% |
| Q1 2026 | 11.03% |
| Q2 2026 | 11.33% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.36% |
| Q3 2024 | 0.37% |
| Q4 2024 | 0.01% |
| Q1 2025 | -0.76% |
| Q2 2025 | -0.39% |
| Q3 2025 | -0.25% |
| Q4 2025 | -0.63% |
| Q1 2026 | -3.78% |
| Q2 2026 | -2.65% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 47 | $48.4M | 16.58% | 11.33% | -2.65% | 66.9% |
| Q1 2026 | 47 | $49.8M | 16.48% | 11.03% | -3.78% | 65.4% |
| Q4 2025 | 47 | $50.7M | 17.00% | 9.34% | -0.63% | 64.2% |
| Q3 2025 | 48 | $51.0M | 17.29% | 9.13% | -0.25% | 66.4% |
| Q2 2025 | 47 | $51.7M | 16.87% | 8.83% | -0.39% | 66.5% |
| Q1 2025 | 46 | $53.7M | 16.64% | 10.62% | -0.76% | 67.5% |
| Q4 2024 | 49 | $53.3M | 16.99% | 11.49% | 0.01% | 71.1% |
| Q3 2024 | 53 | $57.2M | 16.71% | 10.72% | 0.37% | 65.3% |
| Q2 2024 | 53 | $57.1M | 16.23% | 11.57% | 0.36% | 63.3% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Second Federal Savings and Loan Association of PhiladelphiaBank Philadelphia, PA | 86 out of 100, Very strong | $46.3M | 16.4% | 0.00% | vs |
| Compass Savings BankBank Wilmerding, PA | 51 out of 100, Below average | $53.5M | 7.3% | 0.13% | vs |
| The Philadelphia Trust CompanyBank Philadelphia, PA | 93 out of 100, Very strong | $27.7M | 71.8% | 0.00% | vs |
| Huntingdon Savings BankBank Huntingdon, PA | 52 out of 100, Below average | $17.9M | 22.7% | 3.58% | vs |
| County Savings BankBank Essington, PA | 64 out of 100, Moderate | $90.4M | 8.1% | 0.00% | vs |
| Milton Savings BankBank Milton, PA | 81 out of 100, Strong | $90.6M | 16.9% | 0.06% | vs |
Deposit insurance
Is my money safe at United Bank of Philadelphia?
Yes. United Bank of Philadelphia is an FDIC-insured institution (FDIC certificate #33568). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 8.4% of deposits ($3.4M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 16.58%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 37.55% (benchmark: 10%).
2 locations
Branches
United Bank of Philadelphia lists 1 office in 1 city. Most locations:
- Philadelphia, PA (1)
Identity & history
Profile
- Legal name
- United Bank of Philadelphia
- Type
- State-chartered bank
- FDIC certificate #
- 33568
- RSSD ID
- 1945247
- Primary regulator
- FDIC
- Holding company
- United Bancshares Inc
- Established
- March 23, 1992
- Headquarters
- 1501 N Broad St, Philadelphia, PA 19122
- Website
- www.ubphila.com
- Employees
- 15
Quick answers
United Bank of Philadelphia: common questions
Is United Bank of Philadelphia FDIC insured?
Yes. United Bank of Philadelphia is an FDIC-insured institution (FDIC certificate #33568). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Bank of Philadelphia's TellerScore?
47 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has United Bank of Philadelphia ever failed?
There is no failure record for FDIC certificate #33568 in the FDIC failed bank list.
How many branches does United Bank of Philadelphia have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Philadelphia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA | 100 out of 100, Very strong | $4.1M | 15.4% | 0.00% | vs |
| B. Braun Federal Credit UnionCredit union Allentown, PA | 100 out of 100, Very strong | $1.9M | 25.1% | 0.00% | vs |
| Police & Fire Federal Credit UnionCredit union Philadelphia, PA | 96 out of 100, Very strong | $10.2B | 18.6% | 0.24% | vs |
| Toledo Fire Fighters Federal Credit UnionCredit union Toledo, OH | 95 out of 100, Very strong | $45.5M | 17.8% | 0.34% | vs |
| Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA | 94 out of 100, Very strong | $71.6M | 25.3% | 0.69% | vs |
| HSBC Trust Company (Delaware), National AssociationBank Wilmington, DE | 94 out of 100, Very strong | $57.2M | 97.8% | 0.00% | vs |