Unified Bank
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Data as of · sourced from FFIEC call reports. How we update
Unified Bank is an FDIC-insured commercial bank headquartered in Martins Ferry, OH, established in 1902 (FDIC certificate 9463), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $871.7M, up 3.4% from Q2 2025, the 40th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 12.53% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9463
- Headquarters
- Martins Ferry, OH
- Established
- 1902
- Total assets, Q2 2026
- $871.7M
- Assets vs Q2 2025
- +3.4%
- CET1 ratio, Q2 2026
- 12.53%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 043202946
- Holding company
- UNITED BANCORP, INC.
- Asset rank in state
- 40th of 154 in Ohio
Problem loans are rising at Unified Bank. Its balance sheet stood at $872 million at June 30, 2026, up 3.4% from a year earlier; it is based in Martins Ferry, Ohio. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.29% of loans from 0.36% a year earlier. It funds 8.99% of its assets with Tier 1 capital, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also carries problem assets equal to 11.0% of the capital and reserves that would absorb them, 4.2 times the median of 2.6% for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 0.9% and deposits rose 6.8%. Paper losses on its bond portfolio are shrinking: unrealized losses of $4.8 million equal 6% of Tier 1 capital, down from 23% a year earlier.
As of June 30, 2026, Unified Bank reported a CET1 capital ratio of 12.53%, a return on assets of 1.43%, a nonperforming-loan ratio of 1.29% and a Texas ratio of 10.96%. The figures come from its call report filed with the FFIEC.
Unified Bank ranks as the 40th largest of the 154 banks based in Ohio, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.2% to $871.7M, loans fell 0.8% and deposits rose 3.0%. 1-4 family residential loans made up 29.6% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 21.1%. Its 19 offices in the FDIC Summary of Deposits are in 17 cities across 2 states; its Martins Ferry office books 17% of its branch deposits. Judged on its Q2 2026 call report, Unified Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 S 4th St, Martins Ferry, OH 43935
- County
- Belmont
- Metro Area
- Wheeling, WV-OH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1902
- Domestic offices
- 19 FDIC institution directory, current count
- Employees (FTE)
- 124
- Domestic deposits
- $702.1M
- Allowance for credit losses
- $4.4M
- Net charge-offs (YTD)
- $61K
- Average total assets
- $874.4M
- Average total loans
- $498.1M
- Average interest-bearing deposits
- $536.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9463
- Fed RSSD
- 584724
- SEC CIK
- 731653 → filed by UNITED BANCORP, INC.
- Website
- www.unifiedbank.com →
- Parent Holding Company
- UNITED BANCORP, INC. (RSSD 1071502) · UBCP
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Scott A Everson | CEO | Chairman Pres and CEO |
| Randall M Greenwood | CFO | SR VP CFO and Treasurer |
| Branstetter Matthew Fredrick | COO | Chief Operating Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Unified Bank's total assets moved between a low of $812.2M (Q3 2023) and a high of $871.7M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$871.7M total assets against $842.8M; $796.3M total liabilities against $777.7M.
$492.0M net loans and leases against $496.5M; $702.1M total deposits against $657.2M.
$241.0M securities against $227.3M; $45.8M cash and balances due against $49.6M.
$10.5M total interest income against $10.4M; $3.1M total interest expense against $3.3M.
$7.5M net interest income against $7.0M.
$1.6M total noninterest income against $1.4M; $5.6M total noninterest expense against $5.1M.
$126K provision for credit losses against $206K.
$3.1M net income against $2.9M.
1.43% return on assets against 1.37%; 4.41% net interest margin against 3.85%.
12.53% CET1 capital ratio against 12.86%; 8.99% tier 1 leverage ratio against 9.24%.
Inside the full Unified Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnified Bank rankings
Its closest position to the top of a national ranking is 552 of 3,640, for Texas Ratio; its furthest is 1,545 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.30% (Q1 2026) to 1.43% (Q2 2026) and its net interest margin ran from 3.64% (Q1 2026) to 4.41% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.53% | 1.43% | 1.29% | 10.96% | 4.41% |
| Q1 2026 | 12.40% | 1.30% | 1.30% | 12.03% | 3.64% |
| Q4 2025 | 12.73% | 1.36% | 0.46% | 6.21% | 4.00% |
| Q3 2025 | 12.61% | 1.37% | 0.49% | 7.68% | 3.89% |
| Q2 2025 | 12.86% | 1.37% | 0.36% | 7.41% | 3.85% |
| Q1 2025 | 12.66% | 1.32% | 0.39% | 7.50% | 3.80% |
| Q4 2024 | 13.11% | 1.38% | 0.16% | 5.72% | 3.89% |
| Q3 2024 | 13.37% | 1.37% | 0.17% | 5.57% | 3.80% |
Swipe the table sideways to see every column.
Branch Network
View all 19 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Unified Bank (main office) | Martins Ferry , OH | 43935 | $119.0M |
| Saint Clairsville - Plaza Drive Branch | Saint Clairsville , OH | 43950 | $70.5M |
| Bridgeport Branch | Bridgeport , OH | 43912 | $62.7M |
| Powhatan Point Branch | Powhatan Point , OH | 43942 | $54.0M |
| Tiltonsville Oh Branch | Tiltonsville , OH | 43963 | $41.0M |
| Colerain Branch | Colerain , OH | 43916 | $38.7M |
| Jewett Branch | Jewett , OH | 43986 | $36.6M |
| St. Clairsville Branch | Saint Clairsville , OH | 43950 | $31.8M |
| High Street Branch | Glouster , OH | 45732 | $28.1M |
| Strasburg Branch | Strasburg , OH | 44680 | $27.3M |
| Moundsville Branch | Moundsville , WV | 26041 | $27.3M |
| Unified Bank Branch | Wheeling , WV | 26003 | $25.2M |
| New Philadelphia Branch | New Philadelphia , OH | 44663 | $24.9M |
| Sherrodsville Branch | Sherrodsville , OH | 44675 | $24.9M |
| Dellroy Branch | Dellroy , OH | 44620 | $21.7M |
| Dover Branch | Dover , OH | 44622 | $19.8M |
| Lancaster Main Office Branch | Lancaster , OH | 43130 | $18.5M |
| Nelsonville Branch | Nelsonville , OH | 45764 | $17.5M |
| East Main Street Branch | Lancaster , OH | 43130 | $12.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 16, 2018 | Structure Change | Acquired The First National Bank of Powhatan Point Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 15, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 20, 2008 | Structure Change | Acquired Ameribank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2007 | Structure Change | Acquired The Glouster Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 22, 1999 | Structure Change | Acquired The Citizens-State Bank of Strasburg Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 21, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in OH, rank 55 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 241 applications, 171 loans originated, $28.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $990K approved, $990K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Unified Bank
What are Unified Bank's total assets?
As of the Q2 2026 filing, Unified Bank reported total assets of $871.7 million in its FFIEC call report.
Where is Unified Bank headquartered?
It is headquartered in Martins Ferry, OH, United States.
When was Unified Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Unified Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9463). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Unified Bank?
Unified Bank's primary federal regulator is the FDIC.
What is Unified Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.53% in its Q2 2026 call report, above regulatory requirements.
How many branches does Unified Bank operate?
It operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Unified Bank's Texas Ratio?
Its Texas Ratio is 10.96% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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