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United Bank Of Philadelphia

IDRSSD: 1945247
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2026-Q1QoQ +6

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #1945247 2026-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Watch
Reserves:Risk

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 5.0% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 13.9% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 11.20% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↑ +6 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +33

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 65.4%, cash 32.5% of assets.

Cash / Assets
32.47%
Loans / Deposits
65.43%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 36.96%, CET1 36.96%, leverage 16.46%.

Tier 1 RBC
36.96%
CET1
36.96%
Leverage
16.46%
No watch items at this period.

Asset Quality

WatchQoQ +3
47
Sub-score

Asset quality is deteriorating: Adjusted NPL 11.20%, Texas Ratio 34.9%, NCO YTD -0.21%.

Adjusted NPL
11.20%
Govt-guarantees stripped
Texas Ratio
34.9%
NCO YTD
-0.21%
30-89 PD
2.42%
Band 0.3% / 3.0%
90+ PD
0.33%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 11.20% (govt-guarantees stripped).

Reserves

RiskQoQ +33
33
Sub-score

Reserves are weak: ALLL 1.54% of loans, coverage 13.9%, true coverage 5.0%.

ALLL / Loans
1.54%
Coverage
13.9%
True Loss Coverage
5.0%

Watch Items

  • riskALLL / NPL below 50% — Coverage 13.9% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 5.0% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 11:31:08 UTC