Unified Bank: how it compares with its peers
Against 38 OH banks with half to twice its assets, Unified Bank's strongest measure in Q2 2026 is return on assets (1.38% vs. a 1.14% peer median). Its weakest relative measure is efficiency ratio (63.73% vs. 60.64%).
| Measure | Unified Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.38% | 1.14% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.81% | 3.64% | Middle third Ahead of 61% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.73% | 60.64% | Middle third Ahead of 39% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $7.1M | Middle third Ahead of 45% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.07% | 80.62% | Context |
What it means for lending operations
Its efficiency ratio of 63.73% is above the 60.64% 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 Peoples Bank Co. Coldwater, OH · $859M
- Mechanics Bank Mansfield, OH · $896M
- The Old Fort Banking Company Old Fort, OH · $844M
- Minster Bank Minster, OH · $812M
- The Killbuck Savings Bank Company Killbuck, OH · $954M
- First Federal Community Bank, National Association Dover, OH · $995M
Questions about Unified Bank
How big is Unified Bank?
Unified Bank, established in 1902, is headquartered in Martins Ferry, OH. It reported $872M in total assets in its Q2 2026 FDIC call report and operates 19 offices.
What is Unified Bank's return on assets?
1.38% annualized in Q2 2026, against a 1.14% median for 38 OH banks with half to twice its assets, ahead of 68% of them.
What is Unified Bank's efficiency ratio?
63.73% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 60.64%, and lower is better.
Is Unified Bank growing its loans?
Net loans shrank 0.9% over the year to Q2 2026, while deposits grew 6.8%.
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.