Total Assets
$51M
Total balance-sheet footings
FDIC Cert #33568 · Philadelphia, Pennsylvania · Est. 1992
United Bank of Philadelphia - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $51M
- Total assets
- C
- Health grade · Fair
- -0.63%
- Return on assets
- 34.7%
- Tier 1 capital
Data updated July 2026
The verdict
United Bank of Philadelphia earns a PlainBankData health grade of C (50/100), with well-capitalized at 34.69% Tier 1, -0.63% ROA, 111% efficiency ratio.
- #4,129
- largest of 4,313 FDIC banks by assets
- 4th
- percentile by asset size, nationally
- 34.69%
- Tier 1 ratio - above the 10% well-capitalized line
- 3rd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 33568 · PA C · 50/100
GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL
- GRADE-C C (50/100)
- BOTTOM-DECILE #4137/4307
- PHOTO-FINISH Patriot Bank, Nation… · CT
- TIER1-WELL 34.7% Tier 1
- TEXAS-HEALTHY 28.1% Texas
- ROA-LOSS -0.63% ROA
- SIZE-COMMUNITY <$100M
- BOOK-FULL 9/9 fields
Nearest health peer outside Pennsylvania: Patriot Bank, National Association, CT (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around United Bank of Philadelphia
Lowest and highest poles plus nearest scored peers outside Pennsylvania, not a full FDIC corpus board reprint.
Call Report read for United Bank of Philadelphia in a high-failure state
United Bank of Philadelphia (FDIC Cert #33568) carries a PlainBankData health grade of C at 50/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,137 of 4,307. Tier 1 capital prints at 34.69%, clearing the 10% well-capitalized line. The Texas Ratio is 28.13%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.63%. Balance-sheet scale is $51M, 4,129th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Patriot Bank, National Association (CT), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around United Bank of Philadelphia
11 FAILURE resolutions in Pennsylvania since 2000, heavy vs the state corpus
United Bank of Philadelphia sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2024). The list below is state history from the Failed Bank List, not a claim about United Bank of Philadelphia's current Call Report.
- REPUBLIC BANK PHILADELPHIA, PA 2024 → FULTON BANK, NATIONAL ASSOCIATION
- FIRST CORNERSTONE BANK KING OF PRUSSIA, PA 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
- VANTAGE POINT BANK HORSHAM, PA 2014 → FIRST CHOICE BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Pennsylvania banks.
How United Bank of Philadelphia's 50/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (34.69%) 40/40
Return on Assets (ROA) (-0.63%) 0/25
Texas Ratio (28.13%) 10/20
Efficiency Ratio (110.60%) 0/15
50 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$42M
Customer-funded liabilities
Net Loans
$27M
Outstanding loan book
Net Income
$-326K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where United Bank of Philadelphia ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. United Bank of Philadelphia's score of 50/100 falls in the highlighted band.
United Bank of Philadelphia: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
50 4th percentile higher than 4% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
United Bank of Philadelphia's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). United Bank of Philadelphia's $51M falls in the highlighted band.
Capital & credit buffers at United Bank of Philadelphia
Tier 1 capital ratio
Well-capitalized 10%
34.69% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
34.69%
Texas Ratio
28.13%
Equity Capital
$9M
Profitability metrics: United Bank of Philadelphia
Return on Assets (ROA)
3rd percentile nationally
-0.63%
Return on Equity (ROE)
-3.64%
Efficiency Ratio
110.60%
Income & expense: loss period at United Bank of Philadelphia
$3M
Interest Income
$481K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. United Bank of Philadelphia reports a Texas Ratio of 28.13% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
28.13% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at United Bank of Philadelphia
United Bank of Philadelphia's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-326K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at United Bank of Philadelphia up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Pennsylvania by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($51M here), outside Pennsylvania so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) United Bank of Philadelphia (FDIC Cert #33568) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
United Bank of Philadelphia Call Report profile · FDIC Failed Bank List · Pennsylvania FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |