United Bank of Philadelphia
Philadelphia, Pennsylvania · FDIC Cert #33568
United Bank of Philadelphia is an FDIC-insured bank (Certificate #33568) with $57M in total assets and $47M in total deposits as of the Q2 2024 Call Report. Headquartered in Philadelphia, Pennsylvania, the bank maintains a Tier 1 capital ratio of 36.26% (Well-Capitalized) and a nonperforming loan ratio of 11.57%. BankHealthData assigns a composite Health Grade of C (63/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
United Bank of Philadelphia (FDIC cert 33568) is a community bank — $57M in total assets, $47M in deposits, serving the Philadelphia, Pennsylvania area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 36.26% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality shows stress: non-performing loan ratio of 11.57% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is comfortable: 36.8% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.36% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. United Bank of Philadelphia carries a composite BankHealth grade of C (63/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: United Bank of Philadelphia
- Total Assets
- $57M
- Total Deposits
- $47M
- Tier 1 Capital Ratio
- 36.26%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 11.57%
- Liquidity Ratio
- 36.80%
- Return on Assets
- 0.36%
- Headquarters
- Philadelphia, Pennsylvania
- FDIC Certificate
- #33568
- Health Grade
- C (63/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, United Bank of Philadelphia holds a Tier 1 capital ratio of 36.26%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning United Bank of Philadelphia has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
United Bank of Philadelphia shows average financial health. While not alarming, its Health Score of 63/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How United Bank of Philadelphia Compares
United Bank of Philadelphia’s Health Score of 63 is 7 points below the Pennsylvania state average of 70 across 119 FDIC-insured banks. Its 36.26% Tier 1 capital ratio is 22.3 points above the US banking industry average near 14%. The 11.57% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.36% is below the national ROA benchmark of ~1.1%. Among 645 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, United Bank of Philadelphia is 7 points below the portfolio average of 70.
Frequently Asked Questions
United Bank of Philadelphia has a Bank Health Score of C (63/100), placing it in average financial health. It holds a Tier 1 capital ratio of 36.26%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. United Bank of Philadelphia's Tier 1 capital ratio of 36.26% and nonperforming loan ratio of 11.57% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at United Bank of Philadelphia is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #33568). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
United Bank of Philadelphia holds $57M in total assets and $47M in total deposits. It is headquartered in Philadelphia, Pennsylvania (FDIC Certificate #33568).
United Bank of Philadelphia has a Tier 1 capital ratio of 36.26%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 11.57%, and the return on assets is 0.36%.
Yes. United Bank of Philadelphia is FDIC-insured (Certificate #33568). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
United Bank of Philadelphia's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.