Unified Bank (FDIC #9463): Bank Stress & Real-Estate Credit Exposure
Unified Bank (FDIC Cert #9463): bank stress 68/100, elevated, STABLE over 7 days; parent UNITED BCORP INC.
Unified Bank (#9463) lends in 9 counties across 2 states; Unified Bank (#9463) reaches 145 ZIP codes: Ohio 7 counties, 131 ZIPs; West Virginia 2 counties, 14 ZIPs.
Unified Bank (#9463) largest markets: Belmont County, OH (174 branches, 29 ZIPs) (#9463), Tuscarawas County, OH (81 branches, 27 ZIPs) (#9463), Jefferson County, OH (23 branches, 23 ZIPs) (#9463), Carroll County, OH (42 branches, 21 ZIPs) (#9463), Fairfield County, OH (38 branches, 19 ZIPs) (#9463), Athens County, OH (38 branches, 19 ZIPs) (#9463).
Unified Bank (#9463) reports $871.7 million in total assets; Unified Bank (#9463) equity $75.4 million (8.7% of Unified Bank (#9463) assets); Unified Bank (#9463) domestic deposits $702.1 million; Unified Bank (#9463) net income $5.9 million; Unified Bank (#9463) return on assets 1.38%; Unified Bank (#9463) return on equity 16.09%; Unified Bank (#9463) net interest income $14.4 million; Unified Bank (#9463) call report June 30, 2026.
Unified Bank (#9463) noncurrent real-estate loans: none reported; Unified Bank (#9463) net charge-offs on real estate 1.52%; Unified Bank (#9463) residential charge-offs 3.09%.
Unified Bank (#9463) net interest margin 3.81% against an eight-quarter Unified Bank (#9463) average of 3.66% (Unified Bank (#9463) compression -0.14 points); Unified Bank (#9463) non-residential real estate 308.6% of equity; Unified Bank (#9463) rate-exposure score 40/100, Unified Bank (#9463) fixed-rate trap 40/100; Unified Bank (#9463) risk type credit driven; Unified Bank (#9463) rate regime rates elevated, Unified Bank (#9463) snapshot October 20, 2026.
Unified Bank (#9463) stress score moved from 68.7 on June 22, 2026 to 67.7 on October 20, 2026; Unified Bank (#9463) ranged 67.7 to 68.7 over 117 snapshots.
Unified Bank (#9463) alerts: 9 counties; top Unified Bank (#9463) alert scores: Jewett County, OH 24 (low); Lancaster County, OH 24 (low); Moundsville County, OH 24 (low); Nelsonville County, OH 24 (low); Saint Clairsville County, OH 24 (low).