Unified Bank
Martins Ferry, OH
IDRSSD: 584724
Total Assets
$851.71M
Latest filing
Total Deposits
$657.20M
Latest filing
Net Interest Margin
3.82%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
043202946MARTINS FERRY, OH
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Unified Bank
201 S 4th St
Martins Ferry, OH 43935
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1902FDIC Certificate 6081
Branches (18)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Unified Bank (Main) | 201 S 4th St | Martins Ferry, OH |
| LANCASTER MAIN OFFICE BRANCH | 201 N Columbus St | Lancaster, OH |
| NEW PHILADELPHIA BRANCH | 141 N Broadway St | New Philadelphia, OH |
| COLERAIN BRANCH | State Route 250 And Sharon Road | Colerain, OH |
| BRIDGEPORT BRANCH | Howard And Dekalb Streets | Bridgeport, OH |
| SHERRODSVILLE BRANCH | 15 Sherrod Avenue | Sherrodsville, OH |
| DOVER BRANCH | County Road 80 And North Wooster Avenue | Dover, OH |
| DELLROY BRANCH | 2 N Smith St | Dellroy, OH |
Showing 7 of 18
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 43935 |
| State and County Number | 39013 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Wheeling, WV-OH |
Operational Info
| Number of Employees | 130 |
| Domestic Offices | 18 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.unifiedbank.com |
| Data Updated | 01/30/2026 |
| CERT | 9463 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $851.71M |
| Total Deposits | $657.20M |
| Total Liabilities | $777.84M |
| Total Equity Capital | $73.86M |
| Net Income | $2.90M |
| Net Loans and Leases | $487.11M |
| Assets Per Employee ($Millions) | $7.16M |
| Bank Premises and Fixed Assets | $33.82M |
| Cash and Balances due from Depository Institutions | $46.38M |
| Deposits Held in Domestic Offices | $657.20M |
Key Performance Ratios
| Return on Assets (ROA) | 1.36% |
| Return on Equity (ROE) | 16.05% |
| Net Interest Margin | 3.82% |
| Efficiency Ratio | 68.04% |
| Tier 1 Risk-Based Capital Ratio | 12.732% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.672% |
| Earning Assets to total Assets | 88.69% |
Income and Expense
| Total Interest Income | $10.56M |
| Total Noninterest Income | $552.00k |
| Total Interest Expense | $3.24M |
| Total Noninterest Expense | $5.37M |
| Net Interest Income | $7.32M |
| Pre-tax Net Operating Income | $2.37M |
| Provision for Credit Losses | $136.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $2.54M |
| Other borrowed funds | $75.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $29.40M |
| All Other Liabilities | $16.24M |
| Total Liabilities and Capital | $851.71M |
Securities
| Securities | $234.21M |
| Available-for-sale debt securities | $234.21M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Unified Bank?
$851.71M as of the latest filing.
How much are Unified Bank's total deposits?
$657.20M in total deposits.
Where is Unified Bank located?
Martins Ferry, OH.
What is the Net Interest Margin?
3.82%.
How many domestic offices does it operate?
18.
When was it established?
01/01/1902.
What is the Return on Assets (ROA)?
1.36%.
How much are total loans and leases?
$487.11M (latest filing).
What is the total interest income (latest filing)?
$10.56M.