United Bancshares, Inc. UBOH

Company Overview

United Bancshares, Inc. is a bank holding company operating in the community banking and financial services industry. The company conducts substantially all of its business through its wholly owned subsidiary, The Union Bank Company, which provides traditional banking products and services to individuals, small and mid-sized businesses, agricultural customers, and local governments. Revenue is primarily generated through net interest income on loans and securities, along with non-interest income from service charges, trust services, and mortgage-related activities.

The company is positioned as a relationship-focused community bank with an emphasis on local decision-making, conservative credit practices, and long-term customer relationships. Founded in 1904, the organization has evolved from a single local bank into a multi-branch regional institution in western and central Ohio, while maintaining its community banking model rather than pursuing large-scale national expansion.