TellerScore

Unified Bank is a state-chartered bank headquartered in Martins Ferry, Ohio, in business for about 124 years. At the end of Q2 2026 it reported $871.7M in total assets and $702.1M in deposits, with 19 offices across 2 states.

Based on its Q2 2026 filing, Unified Bank scores 62/100, which we describe as moderate. That is higher than only 22% of 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 122nd. Its strongest component is funding & liquidity (89/100; 70% loans-to-deposits, 16% uninsured), and its lowest is capital cushion (40/100; 8.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Tier 1 leverage ratio: 8.99%
Loan quality57/100
Noncurrent loans ÷ total loans: 1.29%
Earnings75/100
Return on assets (annualized): 1.38%
Funding & liquidity89/100
Loans ÷ deposits and uninsured-deposit share: 70.1% · 16.0% uninsured
Problem-loan coverage78/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.87%

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 fell 9 points (71 → 62), mostly because the loan quality component weakened by 31 points.

TellerScore
626874Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202474
Q4 202474
Q1 202571
Q2 202571
Q3 202570
Q4 202570
Q1 202662
Q2 202662
Tier 1 leverage ratio
5.00%7.28%9.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.39%
Q3 20249.52%
Q4 20249.55%
Q1 20259.51%
Q2 20259.24%
Q3 20259.23%
Q4 20259.18%
Q1 20269.17%
Q2 20268.99%
Noncurrent loans
0.16%0.73%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.16%
Q3 20240.17%
Q4 20240.16%
Q1 20250.39%
Q2 20250.36%
Q3 20250.49%
Q4 20250.46%
Q1 20261.30%
Q2 20261.29%
Return on assets
1.31%1.35%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.39%
Q3 20241.38%
Q4 20241.38%
Q1 20251.33%
Q2 20251.36%
Q3 20251.36%
Q4 20251.36%
Q1 20261.31%
Q2 20261.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$871.7M8.99%1.29%1.38%70.1%
Q1 202662$852.6M9.17%1.30%1.31%72.8%
Q4 202570$851.7M9.18%0.46%1.36%74.1%
Q3 202570$862.5M9.23%0.49%1.36%74.4%
Q2 202571$842.8M9.24%0.36%1.36%75.6%
Q1 202571$825.5M9.51%0.39%1.33%77.3%
Q4 202474$813.9M9.55%0.16%1.38%77.6%
Q3 202474$821.9M9.52%0.17%1.38%74.9%
Q2 202474$818.1M9.39%0.16%1.39%75.6%

2,650 peers · $100 million – $1 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).

Capital ratio8.99%
12th
Total risk-based capital13.22%
58th
Problem loans1.29%
22nd
Net charge-offs0.02%
37th
Return on assets1.38%
58th
Net interest margin3.81%
42nd
Efficiency ratio63.7%
46th
Loans to deposits70.1%
69th
Uninsured deposits16.0%
79th
Loan-loss reserves0.88%
16th
Texas ratio10.9%
16th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
The Peoples Bank Co.Bank Coldwater, OH85 out of 100, Very strong$859.2M11.9%0.13%vs
Mechanics BankBank Mansfield, OH61 out of 100, Moderate$896.4M8.4%0.42%vs
The Old Fort Banking CompanyBank Old Fort, OH72 out of 100, Strong$843.9M8.9%0.20%vs
Minster BankBank Minster, OH79 out of 100, Strong$811.6M10.1%0.14%vs
The Killbuck Savings Bank CompanyBank Killbuck, OH73 out of 100, Strong$953.8M9.5%0.01%vs
First Federal Community Bank, National AssociationBank Dover, OH75 out of 100, Strong$994.6M9.4%0.08%vs

Deposit insurance

Is my money safe at Unified Bank?

Yes. Unified Bank is an FDIC-insured institution (FDIC certificate #9463). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.0% of deposits ($112.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.99%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.22% (benchmark: 10%).

Check how much of your own balance is covered

19 locations

Branches

Unified Bank lists 19 offices in 17 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Unified Bank reported 241 home-loan applications under HMDA (LEI 2549001ZX3163R62TB83): 171 originated ($28,355,000 total), 33 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.8%, 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
Unified Bank
Former names
The Citizens Savings Bank
Type
State-chartered bank
FDIC certificate #
9463
RSSD ID
584724
Primary regulator
FDIC
Holding company
United Bcorp Inc
Established
January 1, 1902
Headquarters
201 S 4th St, Martins Ferry, OH 43935
Employees
124

Quick answers

Unified Bank: common questions

Is Unified Bank FDIC insured?

Yes. Unified Bank is an FDIC-insured institution (FDIC certificate #9463). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Unified Bank's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Unified Bank ever failed?

There is no failure record for FDIC certificate #9463 in the FDIC failed bank list.

How many branches does Unified Bank have?

19 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Martins Ferry

InstitutionScoreAssetsCapitalProblem loansCompare
Marshall County Federal Credit UnionCredit union Moundsville, WV99 out of 100, Very strong$26.8M15.1%0.12%vs
First Choice America Community Federal Credit UnionCredit union Weirton, WV96 out of 100, Very strong$713.9M18.1%0.15%vs
Ibew 141 Federal Credit UnionCredit union Saint Clairsvil, OH90 out of 100, Very strong$1.3M19.6%0.00%vs
Washington Financial BankBank Washington, PA81 out of 100, Strong$1.4B14.7%0.46%vs
Eagle Can Employees Federal Credit UnionCredit union Wellsburg, WV80 out of 100, Strong$455K32.2%1.18%vs
Hancock County Savings Bank, F.S.B.Bank Chester, WV79 out of 100, Strong$508.0M18.4%0.63%vs