United Midwest Savings Bank, National Association
Degraff, OH
IDRSSD: 809276
Total Assets
$507.12M
Latest filing
Total Deposits
$418.66M
Latest filing
Net Interest Margin
4.80%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
United Midwest Savings Bank, National Association
101 S Main St
Degraff, OH 43318
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/05/1889FDIC Certificate 45275
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| United Midwest Savings Bank, National Association (Main) | 101 S Main St | Degraff, OH |
| REED RD BRANCH | 4848 Reed Rd | Columbus, OH |
| BEXLEY BANKING CENTER BRANCH | 3011 E Broad St | Columbus, OH |
| 780 S. STATE STREET BRANCH | 780 S State St | Westerville, OH |
| 547 HIGH STREET BRANCH | 547 High Street | Worthington, OH |
| THE FIRST STATE BK. OF W. MANCHESTER BRANCH | 101 N Main St | West Manchester, OH |
Showing 5 of 5
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 05/05/1889 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 43318 |
| State and County Number | 39091 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Bellefontaine, OH |
Operational Info
| Number of Employees | 190 |
| Domestic Offices | 6 |
| 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 | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.umwsb.com |
| Data Updated | 11/14/2025 |
| CERT | 32441 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $507.12M |
| Total Deposits | $418.66M |
| Total Liabilities | $438.27M |
| Total Equity Capital | $68.85M |
| Net Income | $1.42M |
| Net Loans and Leases | $352.85M |
| Assets Per Employee ($Millions) | $2.64M |
| Bank Premises and Fixed Assets | $18.37M |
| Cash and Balances due from Depository Institutions | $109.81M |
| Deposits Held in Domestic Offices | $418.66M |
Key Performance Ratios
| Return on Assets (ROA) | 1.13% |
| Return on Equity (ROE) | 8.19% |
| Net Interest Margin | 4.8% |
| Efficiency Ratio | 75.41% |
| Tier 1 Risk-Based Capital Ratio | 19.346% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.32% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.577% |
| Earning Assets to total Assets | 91.49% |
Income and Expense
| Total Interest Income | $9.41M |
| Total Noninterest Income | $8.51M |
| Total Interest Expense | $3.92M |
| Total Noninterest Expense | $10.56M |
| Net Interest Income | $5.50M |
| Pre-tax Net Operating Income | $1.79M |
| Provision for Credit Losses | $1.65M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $19.61M |
| Total Liabilities and Capital | $507.12M |
Securities
| Securities | $2.83M |
| Available-for-sale debt securities | $2.83M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Midwest Savings Bank, National Association?
$507.12M as of the latest filing.
How much are United Midwest Savings Bank, National Association's total deposits?
$418.66M in total deposits.
Where is United Midwest Savings Bank, National Association located?
Degraff, OH.
What is the Net Interest Margin?
4.80%.
How many domestic offices does it operate?
6.
When was it established?
05/05/1889.
What is the Return on Assets (ROA)?
1.13%.
How much are total loans and leases?
$352.85M (latest filing).
What is the total interest income (latest filing)?
$9.41M.