# UNITED SAVINGS BANK
PHILADELPHIA, PA · FDIC certificate 28836 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $460.6M | |
| Deposits | $332.1M | |
| Loans and leases | $174.1M | |
| Total equity | $84.0M | |
| Loans / deposits | 52.01% (p7 of band) | 82.04% |
| Liquid assets / assets | 53.62% (p95 of band) | |
| Uninsured deposits / deposits | 28.02% (p59 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.59% (p61 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.44% (p95 of band) | 10.81% |
| Unrealized securities loss / equity | -0.91% (p86 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 0.84% (p23 of band) | 1.28% |
| Net interest margin | 2.96% (p9 of band) | 3.91% |
| Efficiency ratio | 63.67% (p57 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 99% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.0% | |
| Employees | 40 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | NIM <2.5% |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | deposits shrinking |  |
| 2017-06 | 1 |  | deposits shrinking |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 | capital falling | NIM <2.5% |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | NIM <2.5% |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 3 | uninsured deposits leaving |  |
| 2021-03 | 2 |  | capital falling |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | capital falling |  |
| 2021-12 | 2 |  | uninsured deposits leaving |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | NIM <2.5% |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | deposits shrinking |  |
| 2024-03 | 0 |  | deposits shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-06-11 [People on the Move - BusinessWest](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBYQ0JpVl9JMHZJcHdLLVB6RGIyZ25pVFd0QnJmV2FJcTR3QW9ESzZuWUFVLWRpVmFYRkFzbGg5eXV1SlZ1THU1ZHVQbXZuM0ZHNVhYWTFXOXNKMHFGdGVsRVRoTQ?oc=5) · BusinessWest
- 2021-09-09 [Eyes on the Avenue - City Journal](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9qMUp2bklnR1hZdUFqNF91YnR6aVBfOVlMM3N3Z0FkdFJjQ3NLYzA2cHN0d1c2U25nWFdsUjJvU1Y0cXNYX2RYRVN2TGVHSlhIcXFyU1BSSzJBbkw2b2pmLUdaWmZDdw?oc=5) · City Journal
- 2013-11-09 [What's Closed, Open on Veterans Day? - Patch](https://news.google.com/rss/articles/CBMiekFVX3lxTE9YekpucmpWcEV0Nmt1Vk0zVHg1eDBtWnNZQTJxM0pRLUczbVpkOGZmdWljWHdNdGlWbDVJM3RyczF6VVVjS3drR0RxQS1maGxPYTB5VXVuLTNtSGI0dy1HMFVuMzhGTGRYSGFza0VaVXQyUTU1NWRUb0pR?oc=5) · Patch
- 2021-10-14 [Matthew Reilly Obituary (2011) - Broomall, PA - Delaware County Daily & Sunday Times - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNN1FKY2pTVjZ1Xy1qR2taNHZlVDVQdV80LS1jUVo0cHVCaUU2UnhaM2RhaDdqNW42d2NLdHNRd1VXQTkyVTI3eXFYZUxjYjNzdmkxWjBHWDhfcFRvQUJvei1qUUVFRlp6a1FmTGNYSzRNRENJTmctMXp0ejE4NWhNeGxPV2pPR240cU1US0ZQMmwxZw?oc=5) · legacy.com
- 2019-03-27 [Philadelphia weddings: Alexa Rae Liccio and Frank Scherer - Inquirer.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOT1phNy1JQWRIR1A0MDBkTEdxUXc2bWNnLWJKMmdhZzlnaWhZNjN2anlUNTBMaktCaUZJR015OXlJdnBaa0dWNmFCMUxZQVhCbHpCMURZOVhHWFkyb3hqRDZmajNMRVJWd3g2ZEhLTWw2blZQVjB6RUkyam9hQUpMZHNOaklWc05FeWlrTlp1dlBxRmZ0TUstZ3FseVRyYmF6TlM0eUhxSUs?oc=5) · Inquirer.com
- 2015-03-08 [Reilly’s proud to be Irish and of service to the community - Delco Times](https://news.google.com/rss/articles/CBMinAFBVV95cUxQT1VrRzdiLUxGSWJLT3ZYUENoMElTb0VfdGp2VGdjRXJERVljVzM4dHpDQUhHQWI5ckwyQzRiVlBGNC1JNnRPVWVqRzYxN0VZaTllSjNGRzFKR0FfQlpvR3o1TkFwUW40Y29hcVZPYUktQ19YaHRNUnBueDVSM3pxVHZDQkM4ZUFGRkpkWkNoU2V0VXZ4S1VLSzdzYVU?oc=5) · Delco Times
- 1987-01-27 [GEORGE HURWITZ, DEVELOPER, BUILDER, DIES - The Washington Post](https://news.google.com/rss/articles/CBMiywFBVV95cUxQUlpFd1NNOE0tQVU5QlpIdUc4U0ZDcmZHV1g4OXY2OTZZVTRSTzN3NjYtQXZWWlpwbFRTY3JTLW1LWExVc3M2RWV3TE9jMlVFMG02Zm02SWpfcDVSczFUS0hqTHdEOW9vTTRZZzJNUXprN0t6YWs2Rm9zNlVQNTVZTFhrcDl2YUZxNm0zRmtQT29TUzgwWUVBUE14Z2ZVZ2lSMHlvWHo3eEh5ZGItcFNhc25ldUVyUUZ4Qk8wTEVsN2JEYUtaLVpoQzZBdw?oc=5) · The Washington Post
- 2026-08-11 [Kenneth John "Kenny" Medrow Obituary (2026) - Media, PA - Cavanagh-Patterson Family Funeral Home - Media - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOUzczOWtxeXBsbEtTNlpNTHRwT0xoSDZTSUlkbTAxS2t2S2FsRVBEQzJOdGphYlp6RS16akFDWWtJT0dxNkVCZ3FZcUo5aU9HR1J6Tll6RkdmWnlWRFdLQXgzU0xGMVF5QldqRmswOHROSVdTMWsyME8zZmxHdzY1Q2x5cw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28836 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "28836", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide