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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Ohio, the state note

Unified Bank

Martins Ferry, Ohio · $872M in assets · beside the 11 other Ohio banks between $300M and $1B

The filing

-0.9%
Loans, year over year
12th of 12, largest first
1.29%
NPA / loans
11th of 12
30.6%
CRE / loans
11th of 12

Unified Bank is the fourth largest of the 12 Ohio banks nearest its size between $300M and $1B, with $872M in assets at 30 June 2026. Loans are 70.7% of deposits, 5th of 12 against a median of 76.9%, and equity is 8.7% of assets, 7th of 12. Loans grew -0.9% in the year, the slowest in the cohort, and deposits grew 6.8%; the cohort's median loan growth is +6.8%.

Noncurrent loans are 1.29% of the book, 11th of 12 against a median of 0.17%; 0.11% is 30 to 89 days past due, and the allowance covers them 0.7 times. Commercial real estate is 30.6% of loans, 11th of 12 against a median of 16.0%, and 183% of capital, below the 300% screen, with construction at 29% against the 100% screen.

Return on assets is 1.35%, 6th of 12 against a median of 1.26%, on an efficiency ratio of 63.7%, 7th of 12. Five years ago it was 1.57%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansOH banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 16.0% MB Mechanics Bank 4.8% CB Community Bank 11.8% AB Andover Bank 12.4% FF First Federal Community Bank N.A. 13.0% BS Belmont Savings Bank 14.7% KS Killbuck Savings Bank Co. 15.8% GN Greenville National Bank 16.1% PB Peoples Bank Co. 20.1% GB Genoa Banking Co. 20.5% OF Old Fort Banking Co. 25.4% UB Unified Bank 30.6% MB Minster Bank 32.7%
Loans, year over yearOH banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.8% KS Killbuck Savings Bank Co. +15.2% MB Minster Bank +14.5% FF First Federal Community Bank N.A. +13.9% GB Genoa Banking Co. +9.6% MB Mechanics Bank +9.2% OF Old Fort Banking Co. +6.9% BS Belmont Savings Bank +6.8% PB Peoples Bank Co. +6.6% GN Greenville National Bank +4.7% AB Andover Bank +4.2% CB Community Bank +3.6% UB Unified Bank -0.9%

SBA 7(a), FY2008 to FY2026

Unified Bank is the 126th largest 7(a) lender into Ohio of 361, with $9M across 45 loans, 0.1% of everything approved in the state (The Huntington National Bank leads with $5.20B). 15 of its 16 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Ohio, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Belmont, OH$3M5th of 276.3%+0.0 pts
Franklin, OH$3M74th of 1660.1%quiet FY2013
Ohio, WV$2M4th of 249.2%quiet FY2020
Fairfield, OH$2M26th of 600.8%quiet FY2011
Stark, OH$739K47th of 760.2%quiet FY2014
Marshall, WV$463K8th of 113.1%quiet FY2010
Columbiana, OH$350K27th of 370.3%quiet FY2010
Jefferson, OH$208K16th of 190.7%quiet FY2019
Tuscarawas, OH$188K28th of 410.2%quiet FY2014
Brooke, WV$164K8th of 92.3%quiet FY2009
Athens, OH$114K20th of 210.5%quiet FY2012
Harrison, OH$100K7th of 91.2%quiet FY2014
Allegheny, PA$61K136th of 1400.0%quiet FY2015
3 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Administrative & waste services3$2M20.2%0.02%501st of 1,763
Accommodation & food services11$2M17.4%0.00%1219th of 2,596
Retail trade8$2M12.9%0.00%1306th of 2,589
Wholesale trade9$1M11.4%0.01%791st of 1,651
Professional & technical services5$1M10.1%0.00%930th of 1,955
7(a) lenders into Ohio, share of approvals since FY2008361 lenders on record; the ten largest and Unified Bank
TH The Huntington National Bank 34.6% $5.20B · 33,020 loans KN KeyBank National Association 4.7% $713M · 2,039 loans LO Live Oak Banking Company 4.1% $620M · 502 loans UB U.S. Bank, National Association 3.8% $570M · 2,992 loans FT Fifth Third Bank 2.8% $414M · 977 loans FF First Financial Bank 2.3% $349M · 970 loans FC First Commonwealth Bank 2.3% $346M · 539 loans JC JPMorgan Chase Bank, National Ass… 1.9% $285M · 1,869 loans UM United Midwest Savings Bank Natio… 1.8% $268M · 375 loans PB PNC Bank, National Association 1.6% $241M · 1,176 loans UB Unified Bank 0.1% $9M · 45 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Unified BankRankCohort median
Total CRE against capital, the 300% screen183%11th of 1294%
Construction against capital, the 100% screen29%9th of 1224%
Construction and land development, share of loans4.9%8th of 124.3%
Non-owner-occupied nonfarm nonresidential, share of loans16.7%11th of 127.4%
Total CRE, the guidance definition, share of loans30.6%11th of 1216.0%
CRE growth over 36 months, the third prong+0.7%1st of 12+42.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Federal Community Bank N.A.$995M1.8%43.4%0.08%0.00%1.0%84.9%8.8%
Killbuck Savings Bank Co.$954M1.1%60.9%0.01%0.00%0.8%78.5%8.4%
Mechanics Bank$896M0.7%75.3%0.42%0.00%1.0%93.8%7.8%
Unified Bank$872M1.4%63.7%1.29%0.02%0.9%70.7%8.7%
Peoples Bank Co.$859M1.6%38.4%0.13%0.01%1.3%62.3%9.7%
Old Fort Banking Co.$844M1.4%56.9%0.20%0.01%1.1%62.0%6.8%
Minster Bank$812M1.6%50.2%0.14%0.01%1.2%64.3%8.9%
Genoa Banking Co.$748M0.8%71.5%0.01%0.04%1.0%85.8%7.3%
Community Bank$680M1.2%68.9%0.23%0.08%1.0%80.1%10.3%
Greenville National Bank$641M1.7%49.3%0.05%0.03%1.4%84.0%12.5%
Belmont Savings Bank$613M0.3%77.9%1.67%0.02%0.9%75.3%10.7%
Andover Bank$595M0.8%76.8%0.26%0.02%0.6%50.9%6.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Unified BankCohort median
20212026Change20212026Change
Loans$459M$496M+8%$338M$482M+43%
Deposits$610M$702M+15%$552M$711M+29%
NPA / loans0.64%1.29%+0.65 pts0.27%0.17%-0.10 pts
Efficiency56.8%63.7%+7.0 pts61.4%62.3%+1.0 pts
ROA1.57%1.35%-0.22 pts1.05%1.26%+0.21 pts

This read was prepared for Unified Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Unified Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OH banks $300M to $1B
Institution www.unifiedbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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