🏦Bank Scorer

UNIFIED BANK

MARTINS FERRY, OH · Supervised by FDIC

Est. 1902FDIC #9,463RSSD: FDIC-9463
Part ofUNITED BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.31%

Institution Profile

FDIC BankFind

Address

201 S 4th St, MARTINS FERRY, OH

County

Belmont County

Established

January 1, 1902

Total Assets

$853M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$853M

Total Deposits

$681M

Net Loans

$496M

Net Income

$3M

ROA

1.31%

ROE

15.33%

Risk-Based Capital

13.07%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate11.42%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

18

Branch Deposits

$657M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202421976.71%11.42%
202320978.47%8.61%
202225581.96%10.98%
202133586.57%6.27%
202033589.85%5.37%
201924385.6%9.47%
201825283.73%9.52%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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