Unified Bank
Asset quality shifted last quarter — NPLs rose to 1.31% from 0.46% in the prior period. Unified Bank is the primary bank subsidiary of its parent holding company, headquartered in Martins Ferry, OH. The Q1 2026 balance sheet stands at $853M in assets, including $500M in loans. Returns are notably above industry norms: 1.30% ROA, 15.33% ROE, and 3.64% NIM. Regulatory capital is solid — 12.40% CET1 and 13.07% total risk-based capital ratio. Asset quality is solid — 1.31% nonperforming loans and a 12.09% Texas Ratio. Unified operates a 19-branch network.
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
- Fed District
- 9
- Established
- January 1, 1902
- Branches
- 19 domestic
- Employees (FTE)
- 126
- FDIC Cert
- 9463
- Fed RSSD
- 584724
- Website
- www.unifiedbank.com →
- Parent Holding Company
- UNITED BANCORP, INC. (RSSD 1071502)
Management
Senior officers at parent holding company — SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Greenwood Randall M | CFO | SVP CFO |
| Branstetter Matthew Fredrick | COO | SVP COO |
| Everson Scott A | CHR | Chairman, President and CEO |
| Abraham Seth Robert | PRES | Vice President Chief Human Res |
Capital & Liquidity
Inside the full Unified Bank terminal
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Unified Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeFailure, Government Assistance ProvidedFFIEC NIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
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Frequently asked about Unified Bank
What are Unified Bank's total assets?
As of the Q1 2026 filing, Unified Bank reported total assets of $852.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Unified Bank headquartered?
Unified Bank is headquartered in MARTINS FERRY, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Unified Bank founded?
Unified Bank was established in 1902, per the FDIC institution directory.
Is Unified Bank FDIC-insured?
Yes. Unified Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Unified Bank's CET1 capital ratio?
Unified Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.40% in its most recent quarterly filing — above regulatory minimums.
How many branches does Unified Bank operate?
Unified Bank operates 19 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Unified Bank's Texas Ratio?
Unified Bank's Texas Ratio is 12.09% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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