B
Unified Bank
Rating Date
October 2025
Risk Based
Capital Ratio
13.30
Leverage
Ratio
9.23
Return On
Assets
1.35%
Total
Assets
862.51M
Capital
70.93M
Total
Deposits
661.36M
Net
Income
8.53M
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Weiss Ratings Unified Bank
Martins Ferry, OH 		Click to
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Rating B
Asset Quality Index 7.80
Capitalization Index 7.40
Liquidity Index 3.40
Profitability Index 6.20
Stability Index 7.40
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 4.94%
5-Year Asset Growth 3.77%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.66%
Non-Performing Loans to Capital 2.97%
Non-Performing Loans to Loans 0.49%
Balance Sheet Unified Bank
Martins Ferry, OH 		Click to
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Total Assets 862.51M
Total Deposits 661.36M
Capital and Reserves Unified Bank
Martins Ferry, OH 		Click to
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Capital 70.93M
Leverage Ratio 9.23
Loan Loss Reserves to Loans 0.87%
Risk-Based Capital Ratio 13.30
Liquidity Unified Bank
Martins Ferry, OH 		Click to
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Hot Money Ratio 16.78%
Liquidity Ratio 21.99%
Profitability Unified Bank
Martins Ferry, OH 		Click to
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5-Year Return on Average Assets 1.58%
Net Income 8.53M
Net Interest Spread 3.85%
Operating Profit to Average Assets 1.44%
Overhead Efficiency Ratio 61.82%
Return on Assets 1.35%
Return on Equity 16.88%