United Midwest Savings Bank, N.A.
Also written as UMSB
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Data as of · sourced from FFIEC call reports. How we update
United Midwest Savings Bank, N.A. is an FDIC-insured commercial bank headquartered in De Graff, OH, supervised by the OCC, with $523.4M in total assets at Q2 2026, up 6.1% from Q2 2025, the 53rd largest of 154 banks headquartered in Ohio. It was established in 1889 and holds FDIC certificate 32441. Its CET1 capital ratio was 18.41% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 32441
- Headquarters
- De Graff, OH
- Established
- 1889
- Total assets, Q2 2026
- $523.4M
- Assets vs Q2 2025
- +6.1%
- CET1 ratio, Q2 2026
- 18.41%
- Domestic offices
- 6 · United Midwest Savings Bank, N.A. branches FDIC institution directory, current count
- Routing number
- 244170877
- Safety and soundness
- Is United Midwest Savings Bank, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 051 · United Midwest Savings Bank, N.A. Q3 2026 call report, filed October 28, 2026 (preliminary)
- Holding company
- MSB CAPITAL CORPORATION
- Asset rank in state
- 53rd of 154 in Ohio
United Midwest Savings Bank, N.A. spends more to run itself than most banks of its size. The De Graff, Ohio bank had $523 million in assets at June 30, 2026, up 6.1% from a year earlier. It loses about $0.47 a year on every $100 of assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 89 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $610,000 in the quarter. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.54% of loans from 1.06%. Funding is the softer spot: it pays an average of 3.54% on its deposits and borrowings, about double the median of 1.80% for banks its size.
As of June 30, 2026, United Midwest Savings Bank, N.A. reported a CET1 capital ratio of 18.41%, a return on assets of -0.47%, a nonperforming-loan ratio of 1.05% and a Texas ratio of 2.74%. The figures come from its call report filed with the FFIEC.
United Midwest Savings Bank, N.A. ranks as the 53rd largest of the 154 banks based in Ohio, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.5% to $523.4M, loans rose 2.1% and deposits rose 0.2%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 46.5% of total loans, followed by non-owner-occupied commercial real estate loans at 16.0%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in OH; its Columbus 2 offices book 48% of its branch deposits. On its Q2 2026 call report, United Midwest Savings Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 S Main St, De Graff, OH 43318
- County
- Logan
- Metro Area
- Bellefontaine, OH
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 5, 1889
- Former names
- United Midwest Savings Bank (1998-2018)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 190
- Domestic deposits
- $430.8M
- Allowance for credit losses
- $8.8M
- Net charge-offs (YTD)
- $4.2M
- Average total assets
- $522.1M
- Average total loans
- $376.1M
- Average interest-bearing deposits
- $409.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32441
- Fed RSSD
- 809276
- SEC CIK
- 1409923 → filed by MSB CAPITAL CORPORATION
- Website
- www.umwsb.com →
- Parent Holding Company
- MSB CAPITAL CORPORATION (RSSD 3828054)
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, United Midwest Savings Bank, N.A.'s total assets ranged from $471.7M (Q3 2023) to $523.4M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$523.4M total assets against $493.5M; $452.3M total liabilities against $424.1M.
$371.1M net loans and leases against $339.9M; $430.8M total deposits against $405.1M.
$2.8M securities against $2.8M; $106.6M cash and balances due against $110.1M.
$9.1M total interest income against $9.2M; $3.8M total interest expense against $3.9M.
$5.3M net interest income against $5.3M.
$7.9M total noninterest income against $7.4M; $11.7M total noninterest expense against $9.4M.
$2.3M provision for credit losses against $2.4M.
-$610K net income against $769K.
-0.47% return on assets against 0.63%; 4.35% net interest margin against 4.71%.
18.41% CET1 capital ratio against 20.12%; 12.93% tier 1 leverage ratio against 13.58%.
Inside the full United Midwest Savings Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnited Midwest Savings Bank, N.A. rankings
Its closest position to the top of a national ranking is 437 of 2,134, for CET1 ratio; its furthest is 3,549 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.47% (Q2 2026) to 2.21% (Q1 2026) and its net interest margin ran from 4.35% (Q2 2026) to 4.97% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.41% | -0.47% | 1.05% | 2.74% | 4.35% |
| Q1 2026 | 18.98% | 2.21% | 1.12% | 2.93% | 4.50% |
| Q4 2025 | 19.17% | 0.05% | 1.18% | 3.04% | 4.70% |
| Q3 2025 | 19.35% | 1.13% | 1.85% | 3.62% | 4.75% |
| Q2 2025 | 20.12% | 0.63% | 2.01% | 4.94% | 4.71% |
| Q1 2025 | 19.44% | 2.15% | 2.17% | 4.98% | 4.56% |
| Q4 2024 | 19.55% | 0.82% | 1.55% | 4.94% | 4.63% |
| Q3 2024 | 19.92% | 1.85% | 1.79% | 5.99% | 4.97% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Reed Rd Branch | Columbus , OH | 43220 | $155.7M |
| The First State Bk. of W. Manchester Branch | West Manchester , OH | 45382 | $90.4M |
| 780 S. State Street Branch | Westerville , OH | 43081 | $63.8M |
| United Midwest Savings Bank, N.A. (main office) | Degraff , OH | 43318 | $61.2M |
| Bexley Banking Center Branch | Columbus , OH | 43209 | $50.3M |
| 547 High Street Branch | Worthington , OH | 43085 | $9.4M |
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 |
|---|---|---|---|
| February 13, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 13, 2004 | Structure Change | Acquired The First State Bank of West Manchester Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 28, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 28, 2002 | Structure Change | Acquired Pendleton Federal Savings Bank 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC, OCC (former OTS))
- April 7, 2010, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): United Midwest Savings Bank
- April 7, 2010, OCC (former OTS): Cease and Desist: United Midwest Savings Bank
- Period: Most recent institution action April 7, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 68 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 888 loans, $351.9M approved, $396K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 United Midwest Savings Bank, N.A.
What are United Midwest Savings Bank, N.A.'s total assets?
As of the Q2 2026 filing, United Midwest Savings Bank, N.A. reported total assets of $523.4 million in its FFIEC call report.
Where is United Midwest Savings Bank, N.A. headquartered?
It is headquartered in De Graff, OH, United States.
When was United Midwest Savings Bank, N.A. founded?
It was established in 1889, per the FDIC institution directory.
Is United Midwest Savings Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #32441). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Midwest Savings Bank, N.A.?
United Midwest Savings Bank, N.A.'s primary federal regulator is the OCC.
What is United Midwest Savings Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.41% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does United Midwest Savings Bank, N.A. operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Midwest Savings Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 2.74% 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.
What was United Midwest Savings Bank, N.A. previously called?
The charter now named United Midwest Savings Bank, N.A. has also operated as United Midwest Savings Bank (1998-2018), per FDIC structure-change records.
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