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United Midwest Savings Bank, National Association
Degraff, OH · FDIC Certificate #32441 · Chartered 05/0
Total assets
$523.44M
Total deposits
$430.76M
Total equity
$71.14M
Net loans
$371.13M
Branches (offices)
6
Net income (YTD)
$2.22M
Rank: #1,734 of 4,213 U.S. banks by assets · #53 of 155 in Ohio. Assets changed 6.1% and deposits 6.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.86% |
| Return on equity | 6.28% |
| Net interest margin (YTD) | 4.43% |
| Equity to assets | 13.59% |
| Tier 1 leverage ratio | 12.93% |
| Uninsured deposits (share of deposits) | 9.1% |
| Noncurrent loans (share of loans) | 1.05% |
| Net charge-offs (share of loans) | 2.25% |
| Loans to deposits | 86.2% |
| Real estate loans (share of loans) | 39.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $148.06M | 39.9% | |
| Commercial & industrial | $176.47M | 47.6% | |
| Consumer / individual | $55.12M | 14.9% | |
| Construction & development | $136.00K | 0.0% | |
| Agricultural | $249.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $495.26M | $438.68M | $2.95M | $47.83M |
| Jun 2023 | $473.95M | $397.61M | $2.96M | $56.08M |
| Jun 2024 | $488.50M | $403.26M | $2.95M | $63.20M |
| Jun 2025 | $493.46M | $405.08M | $3.38M | $69.38M |
| Jun 2026 | $523.44M | $430.76M | $2.22M | $71.14M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $430.76M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $430.76M.
Similar-sized banks
Equitable Bank ($523.53M) · Woodford State Bank ($523.35M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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