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Unified Bank
Martins Ferry, OH · FDIC Certificate #9463 · Chartered 01/0
Total assets
$871.72M
Total deposits
$702.08M
Total equity
$75.43M
Net loans
$491.96M
Branches (offices)
19
Net income (YTD)
$5.92M
Rank: #1,171 of 4,213 U.S. banks by assets · #40 of 155 in Ohio. Assets changed 3.4% and deposits 6.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.38% |
| Return on equity | 16.09% |
| Net interest margin (YTD) | 3.81% |
| Equity to assets | 8.65% |
| Tier 1 leverage ratio | 8.99% |
| Uninsured deposits (share of deposits) | 16.0% |
| Noncurrent loans (share of loans) | 1.29% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 70.1% |
| Real estate loans (share of loans) | 82.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $403.54M | 82.0% | |
| Commercial & industrial | $81.12M | 16.5% | |
| Consumer / individual | $5.90M | 1.2% | |
| Construction & development | $24.28M | 4.9% | |
| Agricultural | $43.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $718.17M | $617.10M | $5.93M | $71.83M |
| Jun 2023 | $827.59M | $653.67M | $6.01M | $69.63M |
| Jun 2024 | $818.12M | $635.67M | $5.69M | $67.59M |
| Jun 2025 | $842.82M | $657.18M | $5.63M | $65.08M |
| Jun 2026 | $871.72M | $702.08M | $5.92M | $75.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $649.55M | 17 |
| West Virginia | $52.53M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $702.08M.
Similar-sized banks
Bogota Savings Bank ($871.76M) · Hawaii National Bank ($871.70M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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