Unified Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Martins Ferry, OH, Unified Bank serves its local market as an FDIC-insured commercial bank. As of Q2 2026, the bank held approximately $872M in total assets and $702M in deposits. Profitability is strong, 1.43% ROA, paired with 17.07% ROE and a 4.41% net interest margin. Regulatory capital is solid, 12.53% CET1 and 13.22% total risk-based capital ratio. Asset quality is solid, 1.29% nonperforming loans and a 10.96% Texas Ratio. Unified operates a 19-branch network.
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%, a Texas ratio of 10.96%, per financial data filed with the FFIEC.
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
- Offices
- 19 domestic
- Employees (FTE)
- 124
- Domestic deposits
- $702.1M
- Allowance for credit losses
- $4.4M
- Net charge-offs (YTD)
- $61K
- 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 |
|---|---|---|
| Everson Scott A | CEO | Chairman Pres and CEO |
| Greenwood Randall M | CFO | SR VP CFO and Treasurer |
| Branstetter Matthew Fredrick | COO | Chief Operating Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Unified Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Unified Bank, freeUnified Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.53% | 1.43% | 1.29% | 10.96% | 4.41% |
| Q1 2026 | 12.40% | 1.30% | 1.31% | 12.09% | 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% | 0.15% | 5.72% | 3.89% |
| Q3 2024 | 13.37% | 1.37% | 0.08% | 5.57% | 3.80% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 19 branches →
| 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
What the public regulatory sources show for Unified Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in OH, rank 55 of 185 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. 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 12.53% in its Q2 2026 call report, above regulatory requirements.
How many branches does Unified Bank operate?
Unified Bank 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?
Unified Bank's Texas Ratio is 10.96% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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