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 | |