FDIC Cert #28836 · Philadelphia, Pennsylvania · Est. 1923

United Savings Bank - FDIC Bank Health Profile

A community-scale look at United Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$448M
Total assets
A
Health grade · Excellent
0.91%
Return on assets
17.4%
Tier 1 capital

Data updated July 2026

The verdict

United Savings Bank earns a PlainBankData health grade of A (82/100), with well-capitalized at 17.36% Tier 1, 0.91% ROA, 61% efficiency ratio.

#1,928
largest of 4,313 FDIC banks by assets
55th
percentile by asset size, nationally
17.36%
Tier 1 ratio - above the 10% well-capitalized line
37th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 28836 · PA A · 82/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (82/100)
  • MID-PACK #1771/4307
  • PHOTO-FINISH First Federal Saving… · IN
  • TIER1-WELL 17.4% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-PAR 0.91% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Pennsylvania: First Federal Savings Bank of Angola, IN (±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 Savings Bank

Lowest and highest poles plus nearest scored peers outside Pennsylvania, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Federal Saving… · IN ·…82/100Hancock County Savin… · WV ·…82/100Newport Federal Bank · TN · …82/100United Savings Bank · PA · t…82/100Versailles Savings a… · OH ·…82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around United Savings Bank · July 2026

Call Report read for United Savings Bank in a high-failure state

United Savings Bank (FDIC Cert #28836) carries a PlainBankData health grade of A at 82/100, 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 #1,771 of 4,307. Tier 1 capital prints at 17.36%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.91%. Balance-sheet scale is $448M, 1,928th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Federal Savings Bank of Angola (IN), 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 Savings Bank

11 FAILURE resolutions in Pennsylvania since 2000, heavy vs the state corpus

United Savings Bank 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 Savings Bank'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 Savings Bank's 82/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10082/100
United Savings Bank's composite health score
Tier 1 Capital Ratio (17.36%) 40/40
Return on Assets (ROA) (0.91%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (61.29%) 8/15

82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$448M

Total balance-sheet footings

Total Deposits

$326M

Customer-funded liabilities

Net Loans

$166M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.96% 17.36% 18.76%
Basel III capital ratios - United Savings Bank

Where United Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. United Savings Bank's score of 82/100 falls in the highlighted band.

United Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

82 Top 41% higher than 59% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. United Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

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 Savings Bank'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 Savings Bank's $448M falls in the highlighted band.

Capital & credit buffers at United Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

17.36% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.36%
Texas Ratio
0.00%
Equity Capital
$82M

What these ratios mean →

Profitability metrics: United Savings Bank

Return on Assets (ROA)
37th percentile nationally
0.91%
Return on Equity (ROE)
5.07%
Efficiency Ratio
61.29%

What these mean →

Income & expense at United Savings Bank

$19M
Interest Income
$908K
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. United Savings Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View United Savings Bank on FDIC BankFind →

Top banks in Pennsylvania by total assets

Largest banks headquartered in Pennsylvania
  1. 1
    First National Bank of Pennsylvania $50.0B

    Greenville, PA · Grade A

  2. 2
    Fulton Bank $32.0B

    Lancaster, PA · Grade A

  3. 3
    BNY Mellon $31.3B

    Pittsburgh, PA · Grade B

  4. 4
    Customers Bank $24.9B

    Malvern, PA · Grade A

  5. 5
    TriState Capital Bank $23.3B

    Pittsburgh, PA · Grade A

Top 5 banks in Pennsylvania ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($448M here), outside Pennsylvania so the neighborhood is not state containment.

The Bank of LaFayette, Georgia $448M · GA Meade County Bank $448M · KY Alden State Bank $448M · NY The Dolores State Bank $448M · CO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) United Savings Bank (FDIC Cert #28836) - 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 Savings Bank 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 →
BankAssetsGradeROA
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%