United Midwest Savings Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
United Midwest Savings Bank, N.A. is a locally rooted FDIC-insured community bank based in DE Graff, OH. As of Q2 2026, the bank held approximately $523M in total assets and $431M in deposits. Earnings turned negative this period, with ROA at -0.47%. Capital cushions are healthy: 18.41% CET1, 12.93% Tier 1 leverage. Credit metrics are in line with industry norms, 1.11% NPL ratio. 6 branches make up the footprint.
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 1.11%, a Texas ratio of 5.57%, per financial data filed with the FFIEC.
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)
- Offices
- 6 domestic
- 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
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 United Midwest Savings Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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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 | 18.41% | -0.47% | 1.11% | 5.57% | 4.35% |
| Q1 2026 | 18.98% | 2.21% | 1.18% | 5.73% | 4.50% |
| Q4 2025 | 19.17% | 0.05% | 1.18% | 5.60% | 4.70% |
| Q3 2025 | 19.35% | 1.13% | 2.11% | 10.29% | 4.75% |
| Q2 2025 | 20.12% | 0.63% | 2.28% | 10.65% | 4.71% |
| Q1 2025 | 19.44% | 2.15% | 2.48% | 10.84% | 4.56% |
| Q4 2024 | 19.55% | 0.82% | 1.88% | 8.02% | 4.63% |
| Q3 2024 | 19.92% | 1.85% | 2.13% | 9.15% | 4.97% |
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 6 branches →
| 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
What the public regulatory sources show for United Midwest Savings Bank, N.A., 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
- 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 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. 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 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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is United Midwest Savings Bank, N.A. headquartered?
United Midwest Savings Bank, N.A. is headquartered in De Graff, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was United Midwest Savings Bank, N.A. founded?
United Midwest Savings Bank, N.A. was established in 1889, per the FDIC institution directory.
Is United Midwest Savings Bank, N.A. FDIC-insured?
Yes. United Midwest Savings Bank, N.A. 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is United Midwest Savings Bank, N.A.'s CET1 capital ratio?
United Midwest Savings Bank, N.A. 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?
United Midwest Savings Bank, N.A. 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?
United Midwest Savings Bank, N.A.'s Texas Ratio is 5.57% 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.
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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