Institution Class	Commercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary Regulator	FDIC
Established Date	03/23/1992
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	19122
State and County Number	42101
Subchapter S Corporations	No
Trust Powers	N/A
Federal Reserve ID Number	03
Numeric code	21
Insured by FDIC	Institutions that are currently open and insured by the FDIC
Federal Reserve District	New York
Core Based Statistical Area Name	Philadelphia-Camden-Wilmington, PA-NJ-DE-MD

Operational Info

Number of Employees	15
Domestic Offices	2
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	05/31/2024
Date of Deposit Insurance	03/23/1992
Primary Insurance Agency	DIF
Website	http://www.ubphila.com
Data Updated	11/14/2025
CERT	33568
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$51.04M
Total Deposits	$41.73M
Total Liabilities	$42.03M
Total Equity Capital	$9.02M
Net Income	$4.00k
Net Loans and Leases	$27.71M
Assets Per Employee ($Millions)	$3.4M
Bank Premises and Fixed Assets	$164.00k
Cash and Balances due from Depository Institutions	$15.05M
Deposits Held in Domestic Offices	$41.73M

Key Performance Ratios

Return on Assets (ROA)	0.03%
Return on Equity (ROE)	0.18%
Net Interest Margin	5.98%
Efficiency Ratio	100.11%
Tier 1 Risk-Based Capital Ratio	36.081%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	-0.04%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	17.667%
Earning Assets to total Assets	93.4%

Income and Expense

Total Interest Income	$731.00k
Total Noninterest Income	$231.00k
Total Interest Expense	$15.00k
Total Noninterest Expense	$948.00k
Net Interest Income	$716.00k
Pre-tax Net Operating Income	$4.00k
Provision for Credit Losses	$-5,000
Discontinued Operations (Extraordinary Gains - Net)	$0

Additional Financial Info

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$993.00k
Other borrowed funds	$0
Federal Funds Sold & Reverse Repurchase Agreement	$1.31M
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$296.00k
Total Liabilities and Capital	$51.04M

Securities

Securities	$4.85M
Available-for-sale debt securities	$4.85M
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$0
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

Frequently Asked Questions

What are the total assets of United Bank of Philadelphia?

$51.04M as of the latest filing.

How much are United Bank of Philadelphia's total deposits?

$41.73M in total deposits.

Where is United Bank of Philadelphia located?

Philadelphia, PA.

What is the Net Interest Margin?

5.98%.

How many domestic offices does it operate?

When was it established?

03/23/1992.

What is the Return on Assets (ROA)?

0.03%.

How much are total loans and leases?

$27.71M (latest filing).

What is the total interest income (latest filing)?

$731.00k.

United Bank of Philadelphia

Locations

Branches (1)

Quarterly Trends

Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile