UNITED BANCSHARES INC is the parent banking group. UNITED BANK OF PHILADELPHIA is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.
Bank Holding Company
UNITED BANCSHARES INC
Legal name: UNITED BANCSHARES, INC.
1 active bank · $50M combined assets
RSSD ID: 2259268 (FFIEC NIC)
Combined Assets
$50M
CRA Rating Summary
Needs to Improve1charter
Across all 4 exams on record for this banking group's charters, 50% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Needs to Improve
1 of 1 bank · Falls short on community lending
Combined Assets
$50M
1 active bank
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$41M
Net Income
$-475K
ROA (avg)
-3.78%
asset-weighted avg
Active Bank Charters1
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| UNITED BANK OF PHILADELPHIA | PHILADELPHIA, PA | FDIC | $50M | 100.0% | Needs to Improve | Oct 2025 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.