UNITED MIDWEST SAVINGS BANK, NATIONAL ASSOCIATION

DE GRAFF, OH | Medium | Est. May 5, 1889, midnight | FDIC #32441 | RSSD #809276 | OCC
Latest Report: 2025-12-31

UNITED MIDWEST SAVINGS BANK, NATIONAL ASSOCIATION is amn medium FDIC-insured commercial bank headquartered in DE GRAFF, OH, established in May 5, 1889, midnight. As of 2025-12-31, the bank reported total assets of $507M and total deposits of $419M. Profitability stands at 0.05% ROA and 0.34% ROE, with a net interest margin of 4.72%. The bank's CET1 capital ratio is 19.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.18% and a Texas Ratio of 5.34%. FDIC Certificate #32441.

Assets

$507M

Deposits

$419M

Loans

$357M

Equity

$69M

Profitability

Return on Assets (ROA) 0.05%
Return on Equity (ROE) 0.34%
Net Interest Margin (NIM) 4.72%
Yield on Assets 8.07%
Cost of Funds 3.73%

Asset Quality

NPL Ratio 1.18%
Net Charge-Off Ratio 1.69%
Texas Ratio 5.34%
NPA Ratio 0.83%
ACL / Loans 2.68%

Capital & Liquidity

CET1 Ratio 19.17%
Tier 1 Capital 19.17%
Total Capital Ratio 20.44%
Leverage Ratio 13.01%
Loan-to-Deposit 85.02%

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