United Bank of Philadelphia

Overview / Commentary

www.ubphila.com

215-231-3674

30 S. 15th St., 1st Fl.
Philadelphia, PA 19102

United Bank of Philadelphia is headquartered in Philadelphia and is the 139^th largest bank in the state of Pennsylvania. It is also the 4,899^th largest bank in the nation. It was established in 1992 and as of June of 2019, it had grown to 19 employees at 3 locations. United Bank of Philadelphia has a F health rating.

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Health

Data as of Q2 2019

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. United Bank of Philadelphia has a low asset base, and a negative return on equity.

Health Grade Components

Overall
FDIC Certificate #	33568
Year Established	1992
Employees	19
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-4.97%
Return on Equity - YTD	-109.57%
Annual Interest Income	$1.2MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$46.9MM$55.5MM
Loans	Q2 2019vs Q2 2018	$31.8MM$39.1MM
Deposits	Q2 2019vs Q2 2018	$43.6MM$52.4MM
Equity Capital	Q2 2019vs Q2 2018	$3.2MM$2.8MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$236.00K$180.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$1.7MM$2.4MM
Real Estate Owned	Q2 2019vs Q2 2018	$236.00K$402.00K

Rates

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Money Market
Checking
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United Bank of Philadelphia Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	-	-	Youth Savings
0.05%	$150	-	Statement Savings
0.05%	$10	-	United Blue Vacation Club
0.05%	$10	-	Burial Reserve Account
0.05%	$150	-	Escrow Savings Account
0.05%	$50	-	IRA Statement Saving Account
0.05%	$1k	-	Business Statement Savings
0.05%	$750	-	Secure VISA Savings
0.05%	$10	-	United Blue Christmas Club
0.05%	$10	-	United Blue Education Club

United Bank of Philadelphia Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$100k^*	-	United Blue Personal Money Market Checking
OTHER TIERS: 0.10% → $1.5k - $2.5k \| 0.15% → $2.5k - $100k
0.25%^*	$200k^*	-	United Blue Business Money Market Accounts
OTHER TIERS: 0.10% → $1.5k - $25k \| 0.15% → $25k - $200k

United Bank of Philadelphia Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.03%	$500	-	United Blue Interest Checking
0.03%	$1.5k	-	Interest on Lawyers Trust Account (IOLTA) Checking
0.03%	$1k	-	Business Interest Checking

United Bank of Philadelphia CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.70%	$500	-	5 Year CD
0.60%	$500	-	4 Year CD
0.45%	$500	-	3 Year CD
0.35%	$500	-	2 Year CD
0.20%	$500	-	1 Year CD
0.10%	$500	-	182 Day CD
0.05%	$500	-	30 Day CD
0.05%	$500	-	60 Day CD
0.05%	$500	-	90 Day CD

United Bank of Philadelphia IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.70%	$500	-	5 Year IRA
0.60%	$500	-	4 Year IRA
0.45%	$500	-	3 Year IRA
0.35%	$500	-	2 Year IRA
0.20%	$500	-	1 Year IRA
0.10%	$500	-	6 Month IRA

Locations

United Bank of Philadelphia Locations
Progress Plaza Center Branch	1501 N Broad St	Philadelphia, PA 19122
United Bank Of Philadelphia	30 South 15th Street, 1st Floor	Philadelphia, PA 19102

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