UNITED SAVINGS BANK

PHILADELPHIA, PA · Supervised by FDIC

Est. 1923FDIC #28,836RSSD: FDIC-28836

Needs to Improve Down

Current rating · Exam: September 2024

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 0.74%

Institution Profile

FDIC BankFind

Website

HTTPS://WWW.UNITEDSAVINGSBANK.COM

Address

1510 Packer Ave, PHILADELPHIA, PA

County

Philadelphia County

Established

January 1, 1923

Total Assets

$460M(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

September 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Sep 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$460M

Total Deposits

$337M

Net Loans

$168M

Net Income

$843K

ROA

0.74%

Above avg for Small banks. Peer avg: 0.44%

ROE

4.09%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.74%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate14.29%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$326M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	42	61.9%	14.29%
2022	6,611	61.55%	19.47%
2021	7,635	67.82%	11.26%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
Sep 2024	Needs to Improve	Intermediate Small Bank
Jun 2021	Satisfactory	Intermediate Small Bank
May 2018	Satisfactory	Intermediate Small Bank

7 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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