Unified Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 2.91 percentage points in Q2 2026, from 65.07% to 67.99%. It was the largest change from Q1 2026 among the key lines here. Unified Bank ranks 33rd of 156 Ohio banks on return on assets, in the upper half at 1.43% (Q2 2026). Unified Bank reported 1.43% on return on assets for Q2 2026, 0.18 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.53% |
| Tier 1 risk-based capital ratio | 12.53% |
| Total risk-based capital ratio | 13.22% |
| Tier 1 leverage ratio | 8.99% |
| Equity capital to assets | 8.65% |
| Tangible equity to tangible assets | 8.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.29% |
| Non-performing assets ratio | 0.99% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 10.96% |
| Allowance for credit losses to loans | 0.88% |
| Reserve coverage of non-performing loans | 67.99% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.43% |
| Return on equity | 17.07% |
| Net interest margin | 4.41% |
| Efficiency ratio | 55.12% |
| Yield on earning assets | 5.99% |
| Cost of funds | 1.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.69% |
| Core deposits to total deposits | 93.13% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.54% |
| Securities to assets | 27.65% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.18% | 14.18% | 14.93% | 9.47% | 1.53% |
| Q4 2023 | 13.27% | 13.27% | 13.93% | 9.65% | 1.59% |
| Q1 2024 | 13.40% | 13.40% | 14.07% | 9.50% | 1.51% |
| Q2 2024 | 13.26% | 13.26% | 13.94% | 9.39% | 1.26% |
| Q3 2024 | 13.37% | 13.37% | 14.05% | 9.52% | 1.37% |
| Q4 2024 | 13.11% | 13.11% | 13.78% | 9.55% | 1.38% |
| Q1 2025 | 12.66% | 12.66% | 13.33% | 9.51% | 1.32% |
| Q2 2025 | 12.86% | 12.86% | 13.55% | 9.24% | 1.37% |
| Q3 2025 | 12.61% | 12.61% | 13.30% | 9.23% | 1.37% |
| Q4 2025 | 12.73% | 12.73% | 13.42% | 9.18% | 1.36% |
| Q1 2026 | 12.40% | 12.40% | 13.07% | 9.17% | 1.30% |
| Q2 2026 | 12.53% | 12.53% | 13.22% | 8.99% | 1.43% |
Unified Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Unified Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Unified Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9463) · FFIEC NIC profile (RSSD 584724)