B
Unified Bank
Rating Date
March 2026
Risk Based
Capital Ratio
13.42
Leverage
Ratio
9.18
Return On
Assets
1.36%
Total
Assets
851.71M
Capital
73.86M
Total
Deposits
657.20M
Net
Income
11.44M
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Weiss Ratings Unified Bank
Martins Ferry, OH 		Click to
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Rating B
Asset Quality Index 7.90
Capitalization Index 7.30
Liquidity Index 3.40
Profitability Index 6.20
Stability Index 7.30
Company Info Unified Bank
Martins Ferry, OH 		Click to
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FDIC Number 9463
Phone Number (740) 633-0445
Website www.unifiedbank.com
Asset Quality Unified Bank
Martins Ferry, OH 		Click to
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1-Year Asset Growth 4.64%
5-Year Asset Growth 4.51%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.08%
Non-Performing Assets to Assets 0.56%
Non-Performing Loans to Capital 2.74%
Non-Performing Loans to Loans 0.46%
Balance Sheet Unified Bank
Martins Ferry, OH 		Click to
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Total Assets 851.71M
Total Deposits 657.20M
Capital and Reserves Unified Bank
Martins Ferry, OH 		Click to
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Capital 73.86M
Leverage Ratio 9.18
Loan Loss Reserves to Loans 0.87%
Risk-Based Capital Ratio 13.42
Liquidity Unified Bank
Martins Ferry, OH 		Click to
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Hot Money Ratio 16.19%
Liquidity Ratio 20.66%
Profitability Unified Bank
Martins Ferry, OH 		Click to
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5-Year Return on Average Assets 1.58%
Net Income 11.44M
Net Interest Spread 3.89%
Operating Profit to Average Assets 1.44%
Overhead Efficiency Ratio 63.35%
Return on Assets 1.36%
Return on Equity 16.66%