Side-by-side · Q2 2026 data
United Bank of Philadelphia vs HSBC Trust Company (Delaware), National Association
Bank
United Bank of Philadelphia
Philadelphia, Pennsylvania · Under $100 million in assets
Bank
HSBC Trust Company (Delaware), National Association
Wilmington, Delaware · Under $100 million in assets
Metric by metric
| Measure | United Bank of Philadelphia | HSBC Trust Company (Delaware), National Association |
|---|---|---|
| TellerScore | 47 | 94 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 93 (stronger) | 61 |
| Problem-loan coverage | 27 | 100 (stronger) |
| Peer percentile | 8th | 96th |
| Total assets | $48.4M | $57.2M |
| Deposits / shares | $40.2M | $500K |
| Capital ratio | 16.58% | 97.77% (stronger) |
| Problem loans | 11.33% | 0.00% (stronger) |
| Net charge-offs | -0.12% (stronger) | 0.00% |
| Return on assets | -2.65% | 4.56% (stronger) |
| Loans ÷ deposits | 66.9% | 0.0% (stronger) |
| Uninsured deposits | 8.4% (stronger) | 50.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
HSBC Trust Company (Delaware), National Association has the higher TellerScore (94 vs 47). On the 7 directional measures above (where higher or lower is clearly better), United Bank of Philadelphia leads on 2 and HSBC Trust Company (Delaware), National Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.