United Midwest Savings Bank, National Association: how it compares with its peers
Against 51 OH banks with half to twice its assets, United Midwest Savings Bank, National Association's strongest measure in Q2 2026 is net interest margin (4.43% vs. a 3.80% peer median). Its weakest relative measure is assets per employee ($2.8M vs. $6.7M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.86% | 1.06% | Middle third Ahead of 39% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.43% | 3.80% | Top third Ahead of 84% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.34% | 67.50% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.8M | $6.7M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.16% | 81.17% | Context |
What it means for lending operations
Its efficiency ratio of 78.34% is above the 67.50% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Savings Bank Circleville, OH · $520M
- Portage Community Bank Ravenna, OH · $552M
- Osgood Bank Osgood, OH · $486M
- Ohio State Bank Bexley, OH · $484M
- Buckeye State Bank Powell, OH · $569M
- First Federal Savings and Loan Association of Lorain Lorain, OH · $574M
Questions about United Midwest Savings Bank, National Association
How big is United Midwest Savings Bank, National Association?
United Midwest Savings Bank, National Association, established in 1889, is headquartered in Degraff, OH. It reported $523M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is United Midwest Savings Bank, National Association's return on assets?
0.86% annualized in Q2 2026, against a 1.06% median for 51 OH banks with half to twice its assets, ahead of 39% of them.
What is United Midwest Savings Bank, National Association's efficiency ratio?
78.34% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 67.50%, and lower is better.
Is United Midwest Savings Bank, National Association growing its loans?
Net loans grew 9.2% over the year to Q2 2026, while deposits grew 6.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.