BlastPoint's Banking Scorecard

United Bank of Philadelphia

under $100M Specialty: Commercial PA FDIC cert 33568

Designations: ✓ Community bank ✓ CDFI-certified ✓ Minority Depository Institution

Philadelphia, PA

2 branches across PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 536 banks in the under $100M peer group nationwide — 1 of 9 in PA.
Deposits -5.2% year over year ($40.2M on the books).
Delinquency rate 11.50%.
Return on assets -2.65%.
Efficiency ratio 126.08% vs a 119.40% peer average.
Loan-to-deposit ratio 66.89% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 9 in PA

View under $100M leaderboard (PA) →

United Bank of Philadelphia has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 1.30% above tier average
+ Non-Interest Income / Assets 0.82% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 3.65% below tier average
- Efficiency Ratio 6.69% above tier average
- Delinquency Rate 10.02% above tier average
- Nonperforming Asset Ratio 5.55% above tier average

Get updates when United Bank of Philadelphia releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$48.4M -6.4% YoY -2.8% QoQ	-$14.0M	$62.4M -0.0% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	29%
Total Loans ?	$26.9M -4.6% YoY -0.8% QoQ	-$8.0M	$34.9M -0.6% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	38%
Total Deposits ?	$40.2M -5.2% YoY -2.9% QoQ	-$11.4M	$51.6M -0.2% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	31%
Return on Assets ?	-2.65% -573.3% YoY +30.0% QoQ	-3.65%	1.00% +3.5% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	Bottom 3.7% in tier
Net Interest Margin ?	5.22% -12.6% YoY +2.6% QoQ	+1.30%	3.91% +2.3% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	Top 6.9% in tier
Efficiency Ratio ?	126.08% +16.9% YoY +0.7% QoQ	+6.69%	119.40% +49.6% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	Bottom 6.5% in tier
Delinquency Rate ?	11.50% +29.6% YoY +2.7% QoQ	+10.02%	1.48% +31.8% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	Bottom 1.5% in tier
Loan-to-Deposit Ratio ?	66.89% +0.6% YoY +2.2% QoQ	-7.32%	74.21% +12.6% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	49%
Non-Interest-Bearing Deposit Share ?	37.49% +3.6% YoY -4.8% QoQ	+14.00%	23.49% +0.6% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	Top 10.8% in tier
Nonperforming Asset Ratio ?	6.38% -13.6% YoY +4.8% QoQ	+5.55%	0.84% +23.0% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	Bottom 1.3% in tier
Tier 1 Capital Ratio ?	36.29% -0.1% YoY -1.8% QoQ	+9.17%	27.13% +3.0% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	Top 12.5% in tier
Non-Interest Income / Assets ?	0.56% +490.6% YoY +90.9% QoQ	-0.82%	1.38% +6.3% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	Top 8.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Noninterest-Bearing	37.5% +1.3pp YoY -1.9pp QoQ	+12.8pp	24.6%	18.7%	22.2%	88%
Brokered Deposits	n/a	n/a	9.8%	6.8%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
C&I	29.3% +2.0pp YoY +0.3pp QoQ	+15.9pp	13.4%	8.6%	12.5%	90%
CRE	n/a	n/a	25.2%	37.9%	41.4%	n/a
1-4 Family	7.1% -1.2pp YoY -0.2pp QoQ	-27.9pp	35.0%	47.8%	31.3%	16%
Consumer	0.9% -0.1pp YoY 0.0pp QoQ	-6.8pp	7.7%	3.8%	5.0%	11%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
CET1 Ratio	36.3% 0.0pp YoY -0.7pp QoQ	-2.4pp	38.7%	22.3%	19.7%	78%
Leverage Ratio	16.6% -0.3pp YoY +0.1pp QoQ	-1.1pp	17.7%	13.2%	12.6%	77%
Total Capital Ratio	37.5% +0.7pp YoY -0.7pp QoQ	-2.1pp	39.7%	23.3%	20.8%	78%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Full-Time Employees	15 0 YoY 0 QoQ	+3	12	299	482	73%
Assets per Employee ($)	$3.2M -6.4% YoY -2.8% QoQ	-$3.0M	$6.2M	$9.2M	$8.8M	10%
Branch Count	2 0 YoY 0 QoQ	+0	1	20	18	63%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Past Due 90+ Days	0.6% +0.2pp YoY +0.3pp QoQ	-0.4pp	1.0%	0.2%	0.4%	57%
Nonaccrual	10.9% +2.4pp YoY 0.0pp QoQ	+9.2pp	1.7%	0.9%	1.0%	98%
Allowance Coverage	0.13x +150.1% YoY -6.0% QoQ	-6.28x	6.41x	3.63x	20.23x	1%
Net Charge-off Rate (YTD)	-0.1% -0.1pp YoY +0.1pp QoQ	-0.3pp	0.2%	0.1%	0.2%	8%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	-15.7% -13.3pp YoY +6.6pp QoQ	-22.0pp	6.4%	10.2%	11.6%	4%
Cost of Funds (YTD)	0.2% 0.0pp YoY 0.0pp QoQ	-1.3pp	1.4%	1.8%	1.7%	3%
Net Income ($, YTD)	$-657000.0 -531.7% YoY — QoQ	-$975K	$317,817	$18.2M	$40.4M	3%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 536 peers in under $100M

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 5.22%

Peer Median: 3.91%

#38 of 536 Top 6.9% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.56%

Peer Median: 1.38%

#45 of 536 Top 8.2% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 37.49%

Peer Median: 23.49%

#59 of 536 Top 10.8% in under $100M

Tier 1 Capital Ratio

capital

Value: 36.29%

Peer Median: 27.13%

#68 of 536 Top 12.5% in under $100M

Top Weaknesses (4 metrics)

530

Nonperforming Asset Ratio

credit_quality

Value: 6.38%

Peer Median: 0.84%

#530 of 536 Bottom 1.3% in under $100M

510

Delinquency Rate

credit_quality

Value: 11.50%

Peer Median: 1.48%

#510 of 517 Bottom 1.5% in under $100M

517

Return on Assets

profitability

Value: -2.65%

Peer Median: 1.00%

#517 of 536 Bottom 3.7% in under $100M

502

Efficiency Ratio

profitability

Value: 126.08%

Peer Median: 119.40%

#502 of 536 Bottom 6.5% in under $100M