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

541 banks in the under $100M peer group nationally 10 in PA

United Bank of Philadelphia has 3 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 1.23% above tier average
+ Non-Interest-Bearing Deposit Share 15.64% above tier average
+ Non-Interest Income / Assets 0.37% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 4.62% below tier average
- Efficiency Ratio 36.89% above tier average
- Delinquency Rate 9.83% above tier average
- Nonperforming Asset Ratio 5.31% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$49.8M -7.3% YoY -1.7% QoQ	-$12.4M	$62.2M -0.6% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	31%
Total Loans ?	$27.1M -9.5% YoY +1.2% QoQ	-$7.2M	$34.2M -1.4% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	40%
Total Deposits ?	$41.4M -6.6% YoY -0.8% QoQ	-$10.3M	$51.7M -0.7% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	32%
Return on Assets ?	-3.78% -400.8% YoY -504.2% QoQ	-4.62%	0.84% -2.3% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	Bottom 2.8% in tier
Net Interest Margin ?	5.09% -14.3% YoY -13.0% QoQ	+1.23%	3.86% +2.8% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	Top 8.7% in tier
Efficiency Ratio ?	125.23% +11.5% YoY +13.2% QoQ	+36.89%	88.34% +0.3% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	Bottom 6.8% in tier
Delinquency Rate ?	11.20% +5.0% YoY +19.4% QoQ	+9.83%	1.37% +33.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	Bottom 1.2% in tier
Loan-to-Deposit Ratio ?	65.43% -3.1% YoY +2.0% QoQ	+1.21%	64.22% -0.7% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	50%
Non-Interest-Bearing Deposit Share ?	39.36% +0.6% YoY +1.7% QoQ	+15.64%	23.71% +0.3% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	Top 9.2% in tier
Nonperforming Asset Ratio ?	6.09% -7.0% YoY -11.9% QoQ	+5.31%	0.79% +28.2% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	Bottom 1.5% in tier
Tier 1 Capital Ratio ?	36.96% +5.3% YoY +6.5% QoQ	+10.27%	26.68% +2.0% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	Top 12.6% in tier
Non-Interest Income / Assets ?	0.29% +556.2% YoY -69.1% QoQ	-0.37%	0.67% +1.9% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	Top 8.5% in tier

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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 541 peers in under $100M

Top Strengths (4 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.29%

Peer Median: 0.67%

#47 of 541 Top 8.5% in under $100M

Net Interest Margin

profitability

Value: 5.09%

Peer Median: 3.86%

#48 of 541 Top 8.7% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 39.36%

Peer Median: 23.71%

#51 of 541 Top 9.2% in under $100M

Tier 1 Capital Ratio

capital

Value: 36.96%

Peer Median: 26.68%

#69 of 541 Top 12.6% in under $100M

Top Weaknesses (4 metrics)

516

Delinquency Rate

credit_quality

Value: 11.20%

Peer Median: 1.37%

#516 of 521 Bottom 1.2% in under $100M

534

Nonperforming Asset Ratio

credit_quality

Value: 6.09%

Peer Median: 0.79%

#534 of 541 Bottom 1.5% in under $100M

527

Return on Assets

profitability

Value: -3.78%

Peer Median: 0.84%

#527 of 541 Bottom 2.8% in under $100M

505

Efficiency Ratio

profitability

Value: 125.23%

Peer Median: 88.34%

#505 of 541 Bottom 6.8% in under $100M