United Bank of Philadelphia

United Bank of Philadelphia is headquartered in Philadelphia and is the 187^th largest bank in the state of Pennsylvania. It is also the 5,793^rd largest bank in the nation. It was established in 1992 and as of March of 2012, it had grown to 28 employees at 4 locations. United Bank of Philadelphia has a 2-star health rating.

United Bank of Philadelphia Routing Number: 036002810

United Bank of Philadelphia Checking Account Rates

United Bank of Philadelphia Savings Account Rates

United Bank of Philadelphia Money Market Rates

United Bank of Philadelphia CD Rates

United Bank of Philadelphia IRA Rates

Data for Q1 2012

Institution Statistics United Bank of Philadelphia FDIC Certificate # 33568 BankRate Report View Year Established 1992 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $69.28 million Loans $40.61 million Deposits $63.93 million Equity Capital $5.02 million Loan Loss Allowance $864,000 Unbacked Noncurrent Loans $2.20 million Real Estate Owned $1.34 million Historic Data - March 2011 Assets $74.10 million Equity Capital $5.92 million Loan Loss Allowance $744,000 Unbacked Noncurrent Loans $2.48 million Real Estate Owned $2.02 million Profit Margin - Quarterly Net Interest Margin 4.51% Return on Assets -1.19% Return on Equity -16.99% Interest Income $802,000

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 United Bank of Philadelphia had $3.54 million in non-current loans and owned real-estate with $5.89 million in equity and loan loss allowances on hand to cover it. This gives United Bank of Philadelphia a Texas Ratio of 60.12% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for United Bank of Philadelphia held steady from 68.90% as of March 31, 2011 to 60.12% as of March 31, 2012, resulting in a positive change of 12.75%.This indicates that the balance sheet and financial strength for United Bank of Philadelphia has held steady in recent periods. Deposit Growth In the past year, United Bank of Philadelphia has decreased its total deposits by -$3.88 million, resulting in -5.73% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth United Bank of Philadelphia has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. United Bank of Philadelphia has $69.28 million in assets with $5.89 million in equity, resulting in a capitalization level of 8.50%, which is average.

No reviews have been left for this bank yet. Be the first to review.