🏦Bank Scorer

UNITED BANK OF PHILADELPHIA

PHILADELPHIA, PA · Supervised by FDIC

Est. 1992FDIC #33,568RSSD: FDIC-33568
Part ofUNITED BANCSHARES INC→ View all charters
Needs to Improve Same

Current rating · Exam: October 2025

CompareWatch

At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Needs Attention

ROA -3.78%

Institution Profile

FDIC BankFind

Address

1501 N Broad St, PHILADELPHIA, PA

County

Philadelphia County

Established

March 23, 1992

Total Assets

$50M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

October 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$50M

Total Deposits

$41M

Net Loans

$27M

Net Income

$-475K

ROA

-3.78%

ROE

-22.22%

Risk-Based Capital

38.21%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$42M

1-Year Change

0

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

3 previous ratings locked — dating back to 2011

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/b634c009-2b6a-48e7-90a6-b4423db07e1a"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: