BlastPoint's Banking Scorecard
United Bank of Philadelphia
Micro
Specialty: Commercial
PA
FDIC cert 33568
Designations: ✓ Community bank
Philadelphia, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
United Bank of Philadelphia has 4 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.99% above tier
- + Non-Interest-Bearing Deposit Share 16.32% above tier
- + Tier 1 Capital Ratio 25.83% above tier
- + Non-Interest Income / Assets 0.39% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.71% below tier
- - Efficiency Ratio 42.87% above tier
- - Delinquency Rate 8.74% above tier
- - Nonperforming Asset Ratio 6.46% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$50.7M
-4.9% YoY
-0.7% QoQ
|
-$166.8M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$26.8M
-14.0% YoY
-3.4% QoQ
|
-$112.4M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$41.7M
-4.7% YoY
+0.0% QoQ
|
-$141.9M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
-0.63%
-146.2% QoQ
|
-1.71% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
5.85%
-9.1% YoY
-1.9% QoQ
|
+1.99% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
110.60%
+10.0% YoY
+5.4% QoQ
|
+42.87% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
9.38%
-18.7% YoY
+2.2% QoQ
|
+8.74% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
64.16%
-9.7% YoY
-3.4% QoQ
|
-10.37% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
38.72%
+0.8% YoY
+6.4% QoQ
|
+16.32% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
6.92%
-6.0% YoY
-0.1% QoQ
|
+6.46% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
34.69%
-0.2% YoY
-3.9% QoQ
|
+25.83% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.95%
+144.3% YoY
+73.0% QoQ
|
+0.39% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (4)
Net Interest Margin
metric
Top 3%
in Micro
Why this stands out
Current:
5.85%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
38.72%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
34.69%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.95%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (4)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-0.63%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
110.60%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
9.38%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
6.92%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Tier 1 Capital Ratio
Current: 34.69% · Tier avg: 8.85%
97
97th pctile
Net Interest Margin
Current: 5.85% · Tier avg: 3.85%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.72% · Tier avg: 22.39%
91
91th pctile
Non-Interest Income / Assets
Current: 0.95% · Tier avg: 0.56%
70
70th pctile
Loan-to-Deposit Ratio
Current: 64.16% · Tier avg: 74.53%
10
10th pctile
Total Loans
Current: $26.8M · Tier avg: $139.2M
8
8th pctile
Total Deposits
Current: $41.7M · Tier avg: $183.7M
7
7th pctile
Total Assets
Current: $50.7M · Tier avg: $217.5M
3
3th pctile
Return on Assets
Current: -0.63% · Tier avg: 1.08%
3
3th pctile
Efficiency Ratio
Current: 110.60% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 9.38% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 6.92% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 6.92% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 9.38% · Tier avg: 0.64%
3
3th pctile
Efficiency Ratio
Current: 110.60% · Tier avg: 67.73%
3
3th pctile
Return on Assets
Current: -0.63% · Tier avg: 1.08%
7
7th pctile
Total Assets
Current: $50.7M · Tier avg: $217.5M
8
8th pctile
Total Deposits
Current: $41.7M · Tier avg: $183.7M
10
10th pctile
Total Loans
Current: $26.8M · Tier avg: $139.2M
70
70th pctile
Loan-to-Deposit Ratio
Current: 64.16% · Tier avg: 74.53%
91
91th pctile
Non-Interest Income / Assets
Current: 0.95% · Tier avg: 0.56%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.72% · Tier avg: 22.39%
97
97th pctile
Net Interest Margin
Current: 5.85% · Tier avg: 3.85%
98
98th pctile
Tier 1 Capital Ratio
Current: 34.69% · Tier avg: 8.85%