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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Philadelphia, PA · FDIC certificate #28836
UNITED SAVINGS BANK is an FDIC-insured institution based in Philadelphia, PA (FDIC certificate #28836). In its Q3 2026 Call Report it reported total assets of $466M, total deposits of $337M and net loans of $173M. Its primary federal regulator is FDIC.
Plain-language readout
UNITED SAVINGS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $466M in Q3 2026 and were lowest at $460M in Q1 2026.
Total deposits were highest at $337M in Q1 2026 and lowest at $332M in Q2 2026.
Over the whole period total assets rose 1.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $466M | $337M | $173M | 0.87% | 4.77% | 3.01% |
| Q2 2026 | $461M | $332M | $173M | 0.84% | 4.59% | 2.96% |
| Q1 2026 | $460M | $337M | $168M | 0.74% | 4.09% | 2.85% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $112.8M | $122.6M | -$9.8M | -8.0% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $134.1M | $129.0M | +$5.0M | +3.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $172.8M | $168.5M | +$4.3M | +2.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.3M | $4.4M | -$33K | -0.8% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $36.5M | $35.9M | +$652K | +1.8% |
| Total assets | $460.6M | $460.4M | +$181K | +0.0% |
| Liabilities | ||||
| Total deposits | $332.1M | $337.3M | -$5.2M | -1.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $25.7M | $22.6M | +$3.1M | +13.7% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $18.7M | $17.5M | +$1.2M | +7.0% |
| Total liabilities | $376.6M | $377.5M | -$882K | -0.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $84.0M | $82.9M | +$1.1M | +1.3% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $84.0M | $82.9M | +$1.1M | +1.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $85.3M | $84.2M | +$1.1M | +1.3% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 17.44% | 17.51% | -0.07 pts | See points |
| Construction and land loans to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Commercial real estate to total capital | 79.63% | 80.61% | -0.98 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.95% | -0.38% | -0.57 pts | See points |
| Liquidity | ||||
| Core deposits | $270.9M | $278.9M | -$8.0M | -2.9% |
| Non-core funding | $87.0M | $81.1M | +$5.9M | +7.3% |
| Loans to core deposits | 64.27% | 60.89% | +3.37 pts | See points |
| Loans to deposits | 52.41% | 50.34% | +2.08 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 29.76% | 30.91% | -1.15 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $87.0M | $81.1M | +$5.9M | +7.3% |
| Earnings | ||||
| Earnings before provision, year to date | $2.4M | $1.0M | +$1.3M | +128.1% |
| Earnings before provision, single quarter | $1.3M | $1.0M | +$295K | +28.1% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.66% | 5.58% | +0.08 pts | See points |
| Yield on interest-bearing balances due from banks | 3.86% | 3.35% | +0.51 pts | See points |
| Total interest income to average assets | 4.20% | 4.03% | +0.17 pts | See points |
| Cost of interest-bearing transaction accounts | 0.45% | 0.43% | +0.02 pts | See points |
| Cost of savings and money market deposits | 1.95% | 1.90% | +0.04 pts | See points |
| Cost of time deposits | 4.12% | 4.12% | -0.00 pts | See points |
| Total interest expense to average assets | 1.45% | 1.46% | -0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $466M | $337M | $173M | 0.87% | 4.77% | 3.01% |
| 2026-06-30 | $461M | $332M | $173M | 0.84% | 4.59% | 2.96% |
| 2026-03-31 | $460M | $337M | $168M | 0.74% | 4.09% | 2.85% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| PA | $325.6M | 0.06% | 103 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.