$500M
+0.7%y/y
Percentile by value79th percentileby value
FDIC
LNLSGRUB
Unified Bank
Martins Ferry, OhioFDIC Cert #9463
STATEEstablished 190219 branches
Holding company: UNITED BCORP INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
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 |
Loan book
Reported balances and balance-sheet intensity.
$496M
+0.6%y/y
Percentile by value79th percentileby value
FDIC
LNLSNET+0.64%
−81.3%y/y
Percentile by value22nd percentileby value
FDIC
LNLSNET72.8%
−5.8%y/y
Percentile by value32nd percentileby value
FDIC
LNLSNET + DEP58.2%
−2.6%y/y
Percentile by value23rd percentileby value
FDIC
LNLSNET + ASSET83.52%
+3.8%y/y
Percentile by value44th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
186%
+2.8%y/y
Percentile by value57th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC19%
−49.3%y/y
Percentile by value28th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,031points
+0.3%y/y
Peer standing59th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD20.72%
+14.1%y/y
Percentile by value84th percentileby value
FDIC
LNRENROW + LNLSGR19.05%
+1.6%y/y
Percentile by value68th percentileby value
FDIC
LNRENROT + LNLSGR16.83%
−13.5%y/y
Percentile by value83rd percentileby value
FDIC
LNCI + LNLSGR