This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Philadelphia, PA
Health score
39.6
Total assets
$68.4M
Bank
Philadelphia, PA
Health score
60.9
Total assets
$48.4M
Answer first
Tioga-Franklin Savings Bank leads on lending quality and growth; United Bank of Philadelphia leads on financial health and capitalization and profitability. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
United Bank of Philadelphia
Higher TFS health score
Capitalization
United Bank of Philadelphia
Higher comparable capital ratio
Profitability
United Bank of Philadelphia
Higher return on assets
Lending quality
Tioga-Franklin Savings Bank
Lower problem-loan measure
Growth
Tioga-Franklin Savings Bank
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Tioga-Franklin Savings Bank | United Bank of Philadelphia |
|---|---|---|
| TFS health score | 39.6/100 | 60.9/100Leads |
| Total assets | $68.4M | $48.4M |
| Total deposits / shares | $66.6M | $40.2M |
| Tier 1 capital ratio | 2.06% | 16.58%Leads |
| Return on assets | -3.35% | -2.65%Leads |
| Return on equity | -121.19% | -15.65% |
Tioga-Franklin Savings Bank
1 branches
United Bank of Philadelphia
2 branches
Both institutions report branches in 1 state: PA.
Tioga-Franklin Savings Bank
Unavailable
United Bank of Philadelphia
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Tioga-Franklin Savings Bank
0 in TFS registry
United Bank of Philadelphia
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Tioga-Franklin Savings Bank score | Tioga-Franklin Savings Bank ROA | United Bank of Philadelphia score | United Bank of Philadelphia ROA |
|---|---|---|---|---|
| 2024-Q3 | — | -1.95% | — | 0.37% |
| 2024-Q4 | — | -1.92% | — | 0.01% |
| 2025-Q1 | — | -2.43% | — | -0.76% |
| 2025-Q2 | — | -2.16% | — | -0.39% |
| 2025-Q3 | — | -0.87% | — | -0.25% |
| 2025-Q4 | — | -1.02% | — | -0.63% |
| 2026-Q1 | 37.6/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 9.23%Leads | 11.33% |
| Net charge-offs | 0.93% | -0.12%Leads |
| Efficiency ratio | 188.70% | 126.08%Leads |
| Loan-to-deposit ratio | 84.36% | 66.89% |
| Asset growth (YoY) | 5.19%Leads | -6.36% |
| Deposit / share growth (YoY) | 9.54%Leads | -5.17% |
| Branches | 1 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| -5.04% |
| 58.9/100 |
| -3.78% |
| 2026-Q2 | 39.6/100 | -3.35% | 60.9/100 | -2.65% |