$853M
+3.3%y/y
Percentile by value89th percentileby value
FDIC
ASSETUB
Unified Bank
Martins Ferry, OhioFDIC Cert #9463
STATEEstablished 190219 branches
Holding company: UNITED BCORP INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportUnified Bank reported $853M in total assets. Deposits grew 6.88% over the prior year.
Return on assets was 1.31%, compared with an asset-peer median of 1.22%. The leverage ratio was 9.17%.
- Why is Total Assets above asset peers?
- Why is CRE Concentration to Capital above asset peers?
- Why is Tier 1 Leverage Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$681M
+6.9%y/y
Percentile by value85th percentileby value
FDIC
DEP$496M
+0.6%y/y
Percentile by value79th percentileby value
FDIC
LNLSNET1.31%
−2 bpsy/y
Peer standing55th percentile
FDIC
NETINC + ROA65.77%
+205 bpsy/y
Peer standing40th percentile
FDIC
NONIX + NIM + NONII + EEFFR9.17%
−34 bpsy/y
Peer standing16th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $733M | $610M |
| Q3 2021 | $733M | $617M |
| Q4 2021 | $727M | $614M |
| Q1 2022 | $735M | $620M |
| Q2 2022 | $718M | $617M |
| Q3 2022 | $760M | $662M |
| Q4 2022 | $755M | $661M |
| Q1 2023 | $845M | $662M |
| Q2 2023 | $828M | $654M |
| Q3 2023 | $812M | $640M |
| Q4 2023 | $813M | $633M |
| Q1 2024 | $830M | $638M |
| Q2 2024 | $818M | $636M |
| Q3 2024 | $822M | $629M |
| Q4 2024 | $814M | $628M |
| Q1 2025 | $826M | $638M |
| Q2 2025 | $843M | $657M |
| Q3 2025 | $863M | $661M |
| Q4 2025 | $852M | $657M |
| Q1 2026 | $853M | $681M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $104M |
| Investor CRE | $95.3M |
| Multifamily | $42.8M |
| Construction | $16M |
| 1–4 family | $147M |
| C&I | $84.2M |
| Agriculture | $231K |
| Other | $10.9M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.31%55th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE15.33%69th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.69%41st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR65.77%40th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+6.88%68th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+0.64%22nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.30%21st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ9.17%16th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.34%57th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC186%57th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.31%73rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.16%Median 0.93%90th 1.86%Observations 161
ROE
FDIC
NETINC + ROE15.33%84th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.91%Median 9.24%90th 17.50%Observations 161
NIM
FDIC
NIM + NIMY3.69%55th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.58%Median 3.60%90th 4.63%Observations 161
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR65.77%57th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 51.01%Median 69.09%90th 94.07%Observations 161
Deposits YoY
FDIC
DEP+6.88%69th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.14%Median +3.26%90th +14.21%Observations 157
Loans YoY
FDIC
LNLSNET+0.64%23rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.48%Median +5.21%90th +17.27%Observations 155
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.30%17th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.37%90th 1.65%Observations 155
Leverage
FDIC
RBC1AAJ9.17%19th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.63%Median 10.81%90th 18.96%Observations 161
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.34%39th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.30%Median 2.23%90th 3.58%Observations 157
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC186%78th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 12%Median 102%90th 239%Observations 91
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.31%65th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.40%Median 1.10%90th 1.89%Observations 38
ROE
FDIC
NETINC + ROE15.33%73rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.94%Median 11.49%90th 18.92%Observations 38
NIM
FDIC
NIM + NIMY3.69%43rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.58%Median 3.75%90th 4.42%Observations 38
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR65.77%51st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.55%Median 65.92%90th 79.30%Observations 38
Deposits YoY
FDIC
DEP+6.88%57th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.98%Median +5.22%90th +15.25%Observations 38
Loans YoY
FDIC
LNLSNET+0.64%16th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.66%Median +9.12%90th +15.94%Observations 38
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.30%11th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.10%Median 0.30%90th 1.38%Observations 38
Leverage
FDIC
RBC1AAJ9.17%24th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.37%Median 10.31%90th 13.07%Observations 38
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.34%41st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.54%Median 2.22%90th 3.68%Observations 38
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC186%78th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 49%Median 105%90th 224%Observations 24
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 19 branches
- Headquarters
- Martins Ferry, OH
FDIC
OFFDOMOpen the Ohio dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data