UNIFIED BANK

MARTINS FERRY, OH | Medium | Est. Jan. 1, 1902, midnight | FDIC #9463 | RSSD #584724 | FDIC
Latest Report: 2025-12-31

UNIFIED BANK is amn medium FDIC-insured commercial bank headquartered in MARTINS FERRY, OH, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $852M and total deposits of $657M. Profitability stands at 1.36% ROA and 16.05% ROE, with a net interest margin of 3.72%. The bank's CET1 capital ratio is 12.73%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.46% and a Texas Ratio of 6.15%. FDIC Certificate #9463.

Assets

$852M

Deposits

$657M

Loans

$491M

Equity

$74M

Profitability

Return on Assets (ROA) 1.36%
Return on Equity (ROE) 16.05%
Net Interest Margin (NIM) 3.72%
Yield on Assets 5.36%
Cost of Funds 1.76%

Asset Quality

NPL Ratio 0.46%
Net Charge-Off Ratio 0.08%
Texas Ratio 6.15%
NPA Ratio 0.56%
ACL / Loans 0.87%

Capital & Liquidity

CET1 Ratio 12.73%
Tier 1 Capital 12.73%
Total Capital Ratio 13.42%
Leverage Ratio 9.18%
Loan-to-Deposit 74.77%

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