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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Martins Ferry, OH · FDIC certificate #9463
UNIFIED BANK is an FDIC-insured institution based in Martins Ferry, OH (FDIC certificate #9463). In its Q3 2026 Call Report it reported total assets of $893M, total deposits of $738M and net loans of $500M. Its primary federal regulator is FDIC.
Plain-language readout
UNIFIED BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $893M in Q3 2026 and were lowest at $853M in Q1 2026.
Total deposits were highest at $738M in Q3 2026 and lowest at $681M in Q1 2026.
Over the whole period total assets rose 4.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $893M | $738M | $500M | 1.25% | 15.76% | 3.81% |
| Q2 2026 | $872M | $702M | $492M | 1.38% | 16.09% | 3.81% |
| Q1 2026 | $853M | $681M | $496M | 1.31% | 15.33% | 3.69% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $45.8M | $27.5M | +$18.3M | +66.6% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $241.0M | $236.3M | +$4.7M | +2.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $492.0M | $495.9M | -$3.9M | -0.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $36.2M | $35.5M | +$757K | +2.1% |
| Other real estate owned | $2.3M | $2.5M | -$279K | -11.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $682K | $682K | $0K | 0.0% |
| All other assets | $53.7M | $54.2M | -$500K | -0.9% |
| Total assets | $871.7M | $852.6M | +$19.1M | +2.2% |
| Liabilities | ||||
| Total deposits | $702.1M | $681.4M | +$20.7M | +3.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $29.4M | $35.6M | -$6.2M | -17.4% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $55.0M | $55.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $9.8M | $9.2M | +$597K | +6.5% |
| Total liabilities | $796.3M | $781.2M | +$15.1M | +1.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.1M | $2.1M | $0K | 0.0% |
| Surplus | $30.1M | $30.1M | $0K | 0.0% |
| Retained earnings | $47.0M | $46.9M | +$97K | +0.2% |
| Accumulated other comprehensive income | -$3.8M | -$7.7M | +$3.9M | +50.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $75.4M | $71.4M | +$4.0M | +5.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $8.7M | $9.0M | -$347K | -3.8% |
| Adjusted nonperforming assets | $8.7M | $9.0M | -$347K | -3.8% |
| Tangible equity plus allowance | $79.1M | $75.0M | +$4.1M | +5.5% |
| Texas ratio (gross) | 10.96% | 12.03% | -1.06 pts | See points |
| Texas ratio (adjusted) | 10.96% | 12.03% | -1.06 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | 12.03% | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 12.53% | 12.40% | +0.13 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.53% | 12.40% | +0.13 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.69% | 0.67% | +0.02 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.22% | 13.07% | +0.15 pts | See points |
| Tier 1 leverage (approximate) | 8.99% | 9.17% | -0.18 pts | See points |
| Construction and land loans to total capital | 29.30% | 19.41% | +9.90 pts | See points |
| Commercial real estate to total capital | 183.07% | 186.44% | -3.37 pts | See points |
| Dividend payout, year to date | 97.90% | 99.03% | -1.13 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -6.07% | -12.37% | +6.30 pts | See points |
| Liquidity | ||||
| Core deposits | $653.8M | $636.7M | +$17.2M | +2.7% |
| Non-core funding | $132.6M | $135.3M | -$2.7M | -2.0% |
| Loans to core deposits | 75.91% | 78.56% | -2.65 pts | See points |
| Loans to deposits | 70.69% | 73.40% | -2.71 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 51.59% | 50.08% | +1.51 pts | See points |
| Loans pledged, share of loans | 56.61% | 53.93% | +2.68 pts | See points |
| Volatile liabilities | $132.6M | $135.3M | -$2.7M | -2.0% |
| Earnings | ||||
| Earnings before provision, year to date | $6.3M | $2.9M | +$3.5M | +120.9% |
| Earnings before provision, single quarter | $3.5M | $2.9M | +$599K | +20.9% |
| Provision for credit losses, year to date | $156K | $30K | +$126K | +420.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.33% | 6.00% | +0.32 pts | See points |
| Yield on interest-bearing balances due from banks | 3.90% | 3.91% | -0.01 pts | See points |
| Total interest income to average assets | 4.82% | 4.68% | +0.14 pts | See points |
| Cost of interest-bearing transaction accounts | 0.34% | 0.34% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.71% | 0.67% | +0.05 pts | See points |
| Cost of time deposits | 3.55% | 3.53% | +0.02 pts | See points |
| Total interest expense to average assets | 1.41% | 1.44% | -0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $893M | $738M | $500M | 1.25% | 15.76% | 3.81% |
| 2026-06-30 | $872M | $702M | $492M | 1.38% | 16.09% | 3.81% |
| 2026-03-31 | $853M | $681M | $496M | 1.31% | 15.33% | 3.69% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OH | $631.7M | 0.11% | 56 | Continuing · -0.00 pp |
| WV | $25.5M | 0.05% | 66 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.