The Union Bank Company
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Data as of · sourced from FFIEC call reports. How we update
The Union Bank Company is an FDIC-insured commercial bank headquartered in Columbus Grove, OH, established in 1904 (FDIC certificate 12969), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.44B, up 20.8% from Q2 2025, the 25th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 15.13% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12969
- Headquarters
- Columbus Grove, OH
- Established
- 1904
- Total assets, Q2 2026
- $1.44B
- Assets vs Q2 2025
- +20.8%
- CET1 ratio, Q2 2026
- 15.13%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 041213759
- Latest call report
- Q2 2026, FFIEC 051 · The Union Bank Company call report
- Holding company
- UNITED BANCSHARES, INC.
- Asset rank in state
- 25th of 154 in Ohio
The Union Bank Company spends more to run itself than most banks of its size. It reported $1.4 billion in assets at June 30, 2026, up 20.8% from a year earlier. It earns about $0.58 a year on every $100 of assets, about half the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it carries problem assets equal to 0.8% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Earnings fell sharply: quarterly net income of $2.0 million was 38% below a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $28 million equal 19% of Tier 1 capital, down from 38% a year earlier.
As of June 30, 2026, The Union Bank Company reported a CET1 capital ratio of 15.13%, a return on assets of 0.58%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 0.78%. The figures come from its call report filed with the FFIEC.
The Union Bank Company ranks as the 25th largest of the 154 banks based in Ohio, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 19.1% to $1.44B, loans rose 1.2% and deposits rose 9.7%. 1-4 family residential loans made up 29.5% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 17.2%. Its 15 offices in the FDIC Summary of Deposits are in 13 cities in OH; its Lima 2 offices book 14% of its branch deposits. On its Q2 2026 call report, The Union Bank Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 Progressive Dr, Columbus Grove, OH 45830
- County
- Putnam
- 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
- November 21, 1904
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 147
- Domestic deposits
- $1.19B
- Allowance for credit losses
- $9.0M
- Net charge-offs (YTD)
- $92K
- Average total assets
- $1.37B
- Average total loans
- $858.4M
- Average interest-bearing deposits
- $870.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12969
- Fed RSSD
- 780218
- SEC CIK
- 1087456 → filed by UNITED BANCSHARES, INC.
- Website
- www.theubank.com →
- Parent Holding Company
- UNITED BANCSHARES, INC. (RSSD 1136009) · UBOH
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Brian D Young | CEO | President/CEO |
| Klint D Manz | CFO | CFO/CLO |
| Brent D Nussbaum | COO | Chief Operations Officer |
| Teresa M Deitering | CCO | Chief Credit Officer |
| Stacey L Clemens | CRO | Chief Risk 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
From Q3 2023 to Q2 2026, The Union Bank Company's total assets ranged from $1.06B (Q1 2024) to $1.44B (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
$1.44B total assets against $1.20B; $1.29B total liabilities against $1.08B.
$854.5M net loans and leases against $780.9M; $1.19B total deposits against $1.08B.
$427.5M securities against $223.8M; $55.5M cash and balances due against $89.4M.
$17.2M total interest income against $14.5M; $4.7M total interest expense against $4.4M.
$12.6M net interest income against $10.2M.
$1.7M total noninterest income against $1.8M; $8.2M total noninterest expense against $8.0M.
$100K provision for credit losses against $235K.
$2.0M net income against $3.2M.
0.58% return on assets against 1.05%; 4.10% net interest margin against 3.67%.
15.13% CET1 capital ratio against 15.48%; 10.78% tier 1 leverage ratio against 9.63%.
Inside the full The Union Bank Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Union Bank Company rankings
Its closest position to the top of a national ranking is 759 of 4,196, for total assets; its furthest is 3,149 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.58% (Q2 2026) to 1.27% (Q1 2026) and its net interest margin ran from 3.13% (Q3 2024) to 4.10% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.13% | 0.58% | 0.12% | 0.78% | 4.10% |
| Q1 2026 | 14.49% | 1.27% | 0.15% | 1.29% | 4.02% |
| Q4 2025 | 15.44% | 1.06% | 0.20% | 2.85% | 4.02% |
| Q3 2025 | 15.68% | 0.99% | 0.30% | 3.81% | 3.72% |
| Q2 2025 | 15.48% | 1.05% | 0.32% | 4.19% | 3.67% |
| Q1 2025 | 15.40% | 0.94% | 0.28% | 4.11% | 3.57% |
| Q4 2024 | 15.34% | 1.01% | 0.29% | 5.04% | 3.39% |
| Q3 2024 | 15.97% | 0.83% | 0.31% | 1.73% | 3.13% |
Swipe the table sideways to see every column.
Branch Network
View all 15 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 |
|---|---|---|---|
| Lewis Center Branch | Delaware , OH | 43015 | $131.4M |
| The Union Bank Company | Columbus Grove , OH | 45830 | $128.3M |
| Kalida Branch | Kalida , OH | 45853 | $116.6M |
| Leipsic Branch | Leipsic , OH | 45856 | $115.1M |
| Lima West Branch | Lima , OH | 45805 | $88.6M |
| Delphos Branch | Delphos , OH | 45833 | $87.1M |
| Ottawa Branch | Ottawa , OH | 45875 | $85.7M |
| Lima East Branch | Lima , OH | 45804 | $83.8M |
| Paulding Branch | Paulding , OH | 45879 | $72.9M |
| Pemberville Branch | Pemberville , OH | 43450 | $63.1M |
| Marion Downtown Branch | Marion , OH | 43302 | $56.9M |
| Bowling Green Branch | Bowling Green , OH | 43402 | $56.4M |
| Gibsonburg Branch | Gibsonburg , OH | 43431 | $56.2M |
| Findlay Branch | Findlay , OH | 45840 | $49.5M |
| Otterbein-Portage Valley Branch | Pemberville , OH | 43450 | $2K |
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 |
|---|---|---|---|
| September 9, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 9, 2017 | Structure Change | Acquired Benchmark Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 15, 2014 | Structure Change | Acquired The Ohio State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 14, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 7, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 7, 2003 | Structure Change | Acquired Citizens Bank of Delphos Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in OH, rank 32 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,040 applications, 794 loans originated, $169.4M originated, across 38 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $4.1M approved, $1.4M 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 The Union Bank Company
What are The Union Bank Company's total assets?
As of the Q2 2026 filing, The Union Bank Company reported total assets of $1.44 billion in its FFIEC call report.
Where is The Union Bank Company headquartered?
It is headquartered in Columbus Grove, OH, United States.
When was The Union Bank Company founded?
It was established in 1904, per the FDIC institution directory.
Is The Union Bank Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12969). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Union Bank Company?
The Union Bank Company's primary federal regulator is the FDIC.
What is The Union Bank Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.13% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Union Bank Company operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Union Bank Company's Texas Ratio?
Its Texas Ratio is 0.78% 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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