Columbus Grove, OH · Cert 12969 · United Bancshares Inc.
State charter, non-member · FDIC · 15 branches
Q2 2026
Market Position · Lima, OH · 2026 SOD (annual) · 10.5% share · #5 of 11 inst. · $0.3B of $2.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 1.02% | 1.05% | 1.29% | 0.92% | -11 bps | |
| Return on Equity | 11.20% | 10.92% | 10.89% | 12.76% | 8.93% | -226 bps | |
| Net Interest Margin | 3.30% | 3.36% | 3.41% | 3.71% | 3.53% | +23 bps | |
| Efficiency Ratio | 68.38% | 69.02% | 69.24% | 63.73% | 60.66% | -772 bps | |
| Non-Interest Burden | 2.02% | 2.08% | 2.13% | 2.05% | 1.88% | -14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.68% | -2.57% | 0.37% | 1.48% | 20.80% | +1,612 bps | |
| Loan Growth (YoY) | 9.48% | 11.44% | 7.58% | 8.70% | 9.40% | -8 bps | |
| Deposit Growth (YoY) | 4.51% | -3.46% | -1.32% | 0.93% | 10.66% | +615 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.32% | 0.30% | 0.20% | 0.15% | 0.12% | -21 bps | |
| Net Charge-Offs / Loans | -0.06% | -0.04% | -0.03% | 0.04% | 0.02% | +8 bps | |
| Allowance / Loans | 1.07% | 1.06% | 1.05% | 1.04% | 1.04% | -3 bps | |
| Allowance Coverage of NPLs | 3.3x | 3.5x | 5.3x | 7.0x | 8.8x | +5.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.63% | 9.98% | 9.98% | 9.73% | 10.78% | +115 bps | |
| Total Risk-Based Capital | 16.69% | 16.88% | 16.62% | 15.66% | 16.12% | -56 bps | |
| Equity / Assets | 9.41% | 10.02% | 10.50% | 9.77% | 10.49% | +108 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.30% | 75.28% | 78.02% | 78.52% | 72.46% | -83 bps | |
| Liquid Assets / Assets | 6.12% | 5.21% | 2.92% | 2.97% | 3.04% | -308 bps | |
| CRE / Total Capital | n/a | 335% | 335% | 362% | n/a | n/a | |