The Union Bank Company is a state-chartered bank headquartered in Columbus Grove, Ohio, in business for about 122 years. At the end of Q2 2026 it reported $1.4B in total assets and $1.2B in deposits, with 15 offices.
The Union Bank Company has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 897 banks with $1 billion – $10 billion. Among 157 banks headquartered in Ohio, it ranks 52nd. Problem-loan coverage contributes the most (99/100, 0.6%); earnings contributes the least (57/100, 0.92%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (69 → 74), mostly because the capital cushion component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 67 |
| Q4 2024 | 66 |
| Q1 2025 | 69 |
| Q2 2025 | 69 |
| Q3 2025 | 70 |
| Q4 2025 | 71 |
| Q1 2026 | 73 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.00% |
| Q3 2024 | 9.17% |
| Q4 2024 | 9.07% |
| Q1 2025 | 9.52% |
| Q2 2025 | 9.63% |
| Q3 2025 | 9.98% |
| Q4 2025 | 9.98% |
| Q1 2026 | 9.73% |
| Q2 2026 | 10.78% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.31% |
| Q4 2024 | 0.29% |
| Q1 2025 | 0.28% |
| Q2 2025 | 0.32% |
| Q3 2025 | 0.30% |
| Q4 2025 | 0.20% |
| Q1 2026 | 0.15% |
| Q2 2026 | 0.12% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.77% |
| Q4 2024 | 0.85% |
| Q1 2025 | 0.97% |
| Q2 2025 | 1.03% |
| Q3 2025 | 1.02% |
| Q4 2025 | 1.05% |
| Q1 2026 | 1.29% |
| Q2 2026 | 0.92% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $1.4B | 10.78% | 0.12% | 0.92% | 71.7% |
| Q1 2026 | 73 | $1.2B | 9.73% | 0.15% | 1.29% | 77.7% |
| Q4 2025 | 71 | $1.2B | 9.98% | 0.20% | 1.05% | 77.2% |
| Q3 2025 | 70 | $1.2B | 9.98% | 0.30% | 1.02% | 74.5% |
| Q2 2025 | 69 | $1.2B | 9.63% | 0.32% | 1.03% | 72.5% |
| Q1 2025 | 69 | $1.2B | 9.52% | 0.28% | 0.97% | 72.1% |
| Q4 2024 | 66 | $1.2B | 9.07% | 0.29% | 0.85% | 70.8% |
| Q3 2024 | 67 | $1.2B | 9.17% | 0.31% | 0.77% | 64.5% |
| Q2 2024 | 69 | $1.1B | 10.00% | 0.32% | 0.72% | 69.1% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Croghan Colonial BankBank Fremont, OH | 73 out of 100, Strong | $1.4B | 10.1% | 0.08% | vs |
| Guardian Savings BankBank West Chester, OH | 83 out of 100, Strong | $1.4B | 11.4% | 0.20% | vs |
| Main Street Bank Corp.Bank Wooster, OH | 67 out of 100, Moderate | $1.6B | 9.2% | 0.66% | vs |
| Signature Bank, National AssociationBank Toledo, OH | 69 out of 100, Moderate | $1.3B | 12.4% | 0.84% | vs |
| The Vinton County National BankBank Mcarthur, OH | 73 out of 100, Strong | $1.6B | 10.5% | 0.27% | vs |
| The Richwood Banking CompanyBank Richwood, OH | 64 out of 100, Moderate | $1.3B | 10.8% | 1.28% | vs |
Deposit insurance
Is my money safe at The Union Bank Company?
Yes. The Union Bank Company is an FDIC-insured institution (FDIC certificate #12969). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.2% of deposits ($335.7M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.78%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.12% (benchmark: 10%).
15 locations
Branches
The Union Bank Company lists 14 offices in 13 cities. Most locations:
- Lima, OH (2)
- Bowling Green, OH (1)
- Columbus Grove, OH (1)
- Delaware, OH (1)
- Delphos, OH (1)
- Findlay, OH (1)
- Gibsonburg, OH (1)
- Kalida, OH (1)
- Leipsic, OH (1)
- Marion, OH (1)
- Ottawa, OH (1)
- Paulding, OH (1)
HMDA 2025
Mortgage lending
In 2025, The Union Bank Company reported 1,029 home-loan applications under HMDA (LEI 254900BDGU9FU91PQA51): 794 originated ($169,430,000 total), 105 denied, and 119 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- The Union Bank Company
- Type
- State-chartered bank
- FDIC certificate #
- 12969
- RSSD ID
- 780218
- Primary regulator
- FDIC
- Holding company
- United Bancshares Inc
- Established
- November 21, 1904
- Headquarters
- 101 Progressive Dr, Columbus Grove, OH 45830
- Website
- www.theubank.com
- Employees
- 147
Quick answers
The Union Bank Company: common questions
Is The Union Bank Company FDIC insured?
Yes. The Union Bank Company is an FDIC-insured institution (FDIC certificate #12969). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Union Bank Company's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Union Bank Company ever failed?
There is no failure record for FDIC certificate #12969 in the FDIC failed bank list.
How many branches does The Union Bank Company have?
15 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Columbus Grove
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Ottoville Bank CompanyBank Ottoville, OH | 95 out of 100, Very strong | $93.8M | 21.4% | 0.00% | vs |
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| Millstream Area Credit UnionCredit union Findlay, OH | 82 out of 100, Strong | $70.8M | 12.6% | 0.66% | vs |
| The Corn City State BankBank Deshler, OH | 77 out of 100, Strong | $104.5M | 10.8% | 0.01% | vs |
| Nickel Steel Federal Credit UnionCredit union Lima, OH | 76 out of 100, Strong | $5.2M | 33.1% | 0.42% | vs |
| The Fort Jennings State BankBank Fort Jennings, OH | 75 out of 100, Strong | $285.8M | 12.7% | 1.09% | vs |