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Unified Bank


Unified Bank is an FDIC insured institution headquartered at 201 S 4th St, Martins Ferry, OH 43935.
It was founded in 1902 and has approximately $1 billion in assets. Customers can open an account at one of its 19 branches.

Deposit Rates - May 26, 2026

SAVINGS RATES APY MIN
SAV
0.01% $100 Compare
CD RATES APY MIN
3 Mo CD
3.21% $1,000 Compare
7 Mo CD
3.71% $1,000 Compare
13 Mo CD
3.01% $1,000 Compare
25 Mo CD
4.01% $1,000 Compare
MM RATES APY MIN
Money Market
0.12% $2,500 Compare
Money Market
0.12% $10,000 Compare
Money Market
0.12% $25,000 Compare
VARIABLE IRA RATES APY MIN
VIRA
0.03% $1
INT CHECKING RATES APY MIN
INTCK
0.01% $1




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9463
Date Established 1902
Assets $ 851.71 million
Loans $ 487.11 million
Deposits $ 657.20 million
Capital $ 73.86 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 46.38 million
Interest-bearing balances $ 34.08 million
Total securities $ 234.21 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 487.11 million
Loan loss allowance $ 4.26 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.54 million
Goodwill and other intangibles $ 0.68 million
All other assets $ 32.25 million
     Total Assets $ 777.84 million

LIABILITIES
Total deposits $ 657.20 million
      Interest-bearing deposits $ 507.33 million
      Deposits held in domestic offices $ 657.20 million
      % insured (estimated)" 85.52%
Federal funds purchased and repurchase agreements $ 29.40 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 4.76 millionn
      Total Liabilities $ 777.84 million
      Shareholders’ Equity $ 73.86 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 41.25 million
Total Interest Expense $ 13.06 million
Net interest income $ 28.19 million
Provision for loan and lease losses $ 0.62 million
Total non interest income $ 4.41 million
Total non interest expense $ 20.65 million
Pre-tax Net Operating Income $ 6.98 million

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