# UNIFIED BANK
MARTINS FERRY, OH · FDIC certificate 9463 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $871.7M | |
| Deposits | $702.1M | |
| Loans and leases | $496.3M | |
| Total equity | $75.4M | |
| Loans / deposits | 70.07% (p26 of band) | 82.04% |
| Liquid assets / assets | 32.91% (p71 of band) | |
| Uninsured deposits / deposits | 16.01% (p15 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.68% (p76 of band) | |
| FHLB advances / assets | 6.31% | |
| Tier 1 leverage | 8.99% (p13 of band) | 10.81% |
| Unrealized securities loss / equity | -6.32% (p56 of band) | -8.10% |
| AOCI / equity | 1.91% (p98 of band) | |
| ROA (annualized) | 1.38% (p56 of band) | 1.28% |
| Net interest margin | 3.81% (p44 of band) | 3.91% |
| Efficiency ratio | 63.73% (p58 of band) | |
| Noncurrent loans | 1.29% (p79 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p59 of band) | |
| Reserve coverage of noncurrent | 67.95% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 32.19% (p39 of band) | |
| Auto loans | $1.2M (0.24% of loans; DQ 1.25%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.8% | |
| Employees | 124 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 2 |  | reserve under noncurrent, deposits shrinking |
| 2014-06 | 0 |  | assets shrinking, uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 1 | loans exceed deposits |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | liquid assets <10% |  |
| 2016-09 | 2 | capital falling | liquid assets <10% |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | loans exceed deposits |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | capital falling | reserve under noncurrent |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 1 | reserve under noncurrent |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | capital falling, AOCI drag >20% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | reserve under noncurrent |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 | securities losses >30% of equity | capital falling |
| 2023-12 | 1 | uninsured deposits leaving | securities losses >30% of equity |
| 2024-03 | 0 |  | uninsured deposits leaving |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | reserve under noncurrent |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-07 [Unified Bank pitches St. Clairsville banking switch, community center sponsorship - - timesleaderonline.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNZm5jd24tVHJkN0s4bGV5Ny1zVlJqb3hnbmZmeUtjUWlfczI5Tk5NeTJBRVFHSUs5VGM4MEdOU1ZRbEtxT285b0VVS1ZWcmh2Z3RKaGZ0UnBwMTVvY1RlNlpoTDFmbmg5TGYzVm11ZGZWMzhLSHBIYkhkdUlZOXlBNjV1V2hleGNfUGQ5SS11WUo3TUFzX01WWlNjVVRjUWh4MHhuM3p3VDY5R3RSQjFTVmpSRXZ2ZnRINmxSaWY5UDNCMHBsUWpBWjdxdUZJWnBYbTBUaA?oc=5) · timesleaderonline.com
- 2026-06-26 [Unified Bank’s Bailey takes top Odd Fellows post - The Intelligencer](https://news.google.com/rss/articles/CBMirAFBVV95cUxNc3liMklFbnp2Tm9LZXd4VWp6WU9QY3VGZTZaNUFSN0dPV0pNM1BJeDlOXzZUNDNwVkNjenJUMDZkNTQyWGxJU2xZazlWM0JtUHltR2tFdGhSX1ZuNzlVZW9oTWRrQi1LYk51dDZ2bDFhZ2pjMERvYXBldERvX2NFSmZfcU85RTZYdDdUaHdJMklQSnNCTHRGdVAweHU4VTRKYUF6dTRPS2otaENr?oc=5) · The Intelligencer
- 2025-12-09 [New Unified Bank location on National Road ushers in regional growth - WTOV](https://news.google.com/rss/articles/CBMihgJBVV95cUxQbmh1V0NlNUpJRzQ3VlNUcDBGRzFaQVpMU1RiSjlTM2FQRHNWUDBWSFM3R0JuMDRZM2FqM1lGWTBuY1hIcnFKeGdnMDNMTTVnVVdxNUw4LVNIY3JuaUdNN1JGbTI0X0JZNG1IX1JmNy1nU0pqTDljUjlQVTNHYmVtUUtNVEo0Qmx2S2NFdEp4MkRMcThidlNTNGdrX1NOYmpMTXRwMkpEdlNfa1ZXU2pSSnNFWGU1MG9PQXJfQUdyUnA1LXNwLXZJWFNUZHozRDFnRmliNEY5UUxZZE5JNmVMdWh4V0NNZ0lfR3lKOWtkdk54X0toVWJfM090OW9XQTJrTE5uanlR?oc=5) · WTOV
- 2025-12-10 [Unified Bank cuts ribbon on new Wheeling center - timesleaderonline.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPUFNmd2EtU3JtS3FIX1FpTDUwLTB0T0xLaE5mamlpeEloUk0zMVVVT2hwNDR6alJkS3g2VHVCRDdmUURTVE1GTGJSS3pNbUppcklpRVRiTkp3VF96bzBnaU9xZDFjVjJXMUJ6U3VpZ2U2MWZqemhqd0VSMWt4b3QtWml1ekw5QWJEN0VrdHNjMmd4UmhGR25fazZ3VEUzTzNJQnZSQ0M2cEZ5QQ?oc=5) · timesleaderonline.com
- 2023-10-07 [Roberts, Wojcik join Unified - The Herald Star](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOTUlJRXNkcklUUzJqekx2NTZmclN6dGZBa3RFeldUd215TWlrOGpva1Zla2hGMmZRYmE2TkJMVlFSNTdnTHJhaDZjNFJieF9uS0lxM1M4eWIxMVJFbkRXNDdyNTN4MlFRdGo1ZlFBdVJDNHJ0b2VvN1lFam1Jc3IydGd2ZGJ6MHd3dlI4?oc=5) · The Herald Star
- 2026-06-03 [Four new pickleball courts open in St. Clairsville, drawing players on opening night - WTOV](https://news.google.com/rss/articles/CBMixgJBVV95cUxPdnlBeXpLX0pLcWFIcXFmWUJ4RUM5bktId1YzeWw2czVYYWRiM3lRWEJqS1JVM2QtMnFodlBVY2ZzaE9PS0JHaXdyVUdJSnBONTVvclFqVEVqbnlzVXkzc0Q3bDl2SU16NkJLTW1IalpYbkZVMW1LSXU3ZmtmVkJGelhDS1hCZ2dBd3NtU3ZxdjE1a2pHNUZtZXNTRHNQbk9FRG5OejF1Rm5fMzhBbGN2NkZnU0Fsb0M4LUl2VjBYdGo3ZldvQ3FNMFY5WXNKRDJUU3FGLUxZYmprNWxfV1VSN21lMDNkUW1ZSTU4UkdjeUowTzVlekdaWE9vbVNYRUtkOGdzS0ZYV3BidzN4cWNXWXIwX05Yc3VGZzZvVWpydmVseFZuUktSaks0cWJQTllRS1F5clFfZThNMHYtdEhwdk5CeFlmZw?oc=5) · WTOV
- 2022-05-21 [Martins Ferry Native Derek Simpson Joins Unified Bank - - The Intelligencer](https://news.google.com/rss/articles/CBMirwFBVV95cUxQVHFuSDBma3JuRnZScTBhbTNVTmdsbjJVUmlabHZBSHAyalR1SE5tX0ZWMEZlLTFzWHJYN25SbFo4YkVTcU9WQ1lOMGNSQ0NNLVFILWtURWl5Rms1aUh4ZmVFWV91eDIybmVQT1NDMDFVUzZFRG1PMU8yVHR4ajYzS2MwMllRR1BIZ0VFVDZVQm5DUjhYZzZPX0c3ckttcDRVcnlJX3lxVE90TkVQenRV?oc=5) · The Intelligencer
- 2023-10-07 [Unified Bank adds new team members - timesleaderonline.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPcW5LQVBlT3pxRTNNcHh3X05wYWtfVXh5Vl9oVkRwYzQxRS13aGhVQ1NKdHhNbGxQYnhsa2tySmNic2ktamRPNTFCUzBtLVFXRTVhRWJnSGZwWnRqallUMFVXYWZ6VE9scHVvZVpvVkQyN0tDV1pCVXVkWExCLTlvMl9QOU1PcW1pUDY3bmU2elRwWTdqenN3?oc=5) · timesleaderonline.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9463 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/55.json (key "9463", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide