Martins Ferry, OH · Cert 9463 · United Bcorp Inc.
State charter, non-member · FDIC · 19 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
33
Asset Quality
33
Profitability
65
Liquidity
69
Efficiency
62
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Martins Ferry, OH · Cert 9463 · United Bcorp Inc.
State charter, non-member · FDIC · 19 branches
Q2 2026
Market Position · Wheeling, WV-OH · 2026 SOD (annual) · 7.8% share · #5 of 13 inst. · $0.4B of $5.5B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.38% | 1.33% | 1.36% | 1.36% | 1.36% | 1.31% | 1.38% | +2 bps | |
| Return on Equity | 16.05% | 16.09% | 15.97% | 16.76% | 16.71% | 16.52% | 15.33% | 16.09% | -67 bps | |
| Net Interest Margin | 3.25% | 3.27% | 3.25% | 3.24% | 3.28% | 3.30% | 3.25% | 3.30% | +6 bps | |
| Efficiency Ratio | 57.55% | 58.40% | 63.72% | 61.73% | 61.36% | 62.98% | 65.77% | 63.73% | +200 bps | |
| Non-Interest Burden | 1.65% | 1.69% | 1.88% | 1.79% | 1.79% | 1.90% | 1.91% | 1.85% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.20% | 0.06% | -0.59% | 3.02% | 4.94% | 4.64% | 3.29% | 3.43% | +41 bps | |
| Loan Growth (YoY) | 1.75% | 1.60% | 3.43% | 3.33% | 4.49% | 0.07% | 0.67% | -0.87% | -420 bps | |
| Deposit Growth (YoY) | -1.67% | -0.86% | -0.02% | 3.38% | 5.10% | 4.66% | 6.88% | 6.83% | +345 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.16% | 0.39% | 0.36% | 0.49% | 0.46% | 1.30% | 1.29% | +93 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.07% | 0.02% | 0.07% | 0.06% | 0.08% | 0.03% | 0.02% | -4 bps | |
| Allowance / Loans | 0.84% | 0.82% | 0.82% | 0.83% | 0.87% | 0.87% | 0.85% | 0.88% | +5 bps | |
| Allowance Coverage of NPLs | 5.1x | 5.1x | 2.1x | 2.3x | 1.8x | 1.9x | 0.7x | 0.7x | -1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.52% | 9.55% | 9.51% | 9.24% | 9.23% | 9.18% | 9.17% | 8.99% | -26 bps | |
| Total Risk-Based Capital | 14.05% | 13.78% | 13.33% | 13.55% | 13.30% | 13.42% | 13.07% | 13.22% | -33 bps | |
| Equity / Assets | 8.72% | 8.53% | 8.11% | 7.72% | 8.22% | 8.67% | 8.38% | 8.65% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.50% | 78.20% | 77.93% | 76.18% | 75.06% | 74.77% | 73.40% | 70.69% | -549 bps | |
| Liquid Assets / Assets | 3.17% | 0.92% | 2.75% | 4.28% | 3.61% | 4.00% | 1.85% | 3.97% | -31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 312% | 310% | 329% | n/a | n/a | |
Martins Ferry, OH · Cert 9463 · Peer group: banks under $1B in assets (n=581-629) · United Bcorp Inc.
State charter, non-member · FDIC · 19 branches
Q2 2026
Return on Assets
1.36%
Rank 180 of 629
Net Interest Margin
3.30%
Rank 395 of 629
Efficiency Ratio
63.73%
Rank 242 of 629
Equity / Assets
8.65%
Rank 509 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.36% | 0.60% | 1.01% | 1.45% | Beats 71% | 180 / 629 | ||
| Return on Equity | 15.69% | 5.38% | 9.30% | 13.28% | Beats 86% | 86 / 629 | ||
| Net Interest Margin | 3.30% | 3.03% | 3.54% | 4.05% | Beats 37% | 395 / 629 | ||
| Efficiency Ratio | 63.73% | 58.35% | 67.79% | 79.08% | Beats 62% | 242 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.29% | 0.09% | 0.46% | 1.20% | Beats 23% | 446 / 581 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 43% | 333 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.53% | 11.24% | 13.84% | 18.77% | Beats 38% | 387 / 629 | ||
| Total Risk-Based Capital Ratio | 13.22% | 11.58% | 14.43% | 19.66% | Beats 41% | 374 / 629 | ||
| Equity / Assets | 8.65% | 9.09% | 10.65% | 13.80% | Beats 19% | 509 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.69% | 67.24% | 80.90% | 93.48% | 32nd pctl | 405 / 594 | ||
| Loans / Assets | 56.93% | 53.31% | 67.71% | 78.15% | 30th pctl | 439 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||