Unified Bank
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
$871.7MAssets
$496.3MLoans
$702.1MDeposits
$75.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 86% of banks under $1B in assets (rank 86 of 629).
- Widest gap: equity / assets trails 81% of banks under $1B in assets (rank 509 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $16.1M · efficiency ratio beats 62% of banks under $1B in assets | 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 |