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United Midwest Savings Bank, National Association

$100M-$1B Specialty: Commercial OH FDIC cert 32441

Degraff, OH

6 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits +6.3% year over year ($430.8M on the books).
  • Delinquency rate 1.07%.
  • Return on assets 0.86%.
  • Efficiency ratio 78.34% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.16% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

United Midwest Savings Bank, National Association has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 16.2% in tier
  • + Net Interest Margin 0.44% above tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 4.6% in tier
  • - Liquidity Overhang: Bottom 36.1% in tier
  • - Non-Interest-Bearing Deposit Share 17.28% below tier average
  • - Efficiency Ratio 13.86% above tier average
  • - Delinquency Rate 0.15% above tier average
Get updates when United Midwest Savings Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $523.4M
+6.1% YoY +0.5% QoQ
+$136.9M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
74%
Total Loans ? $371.1M
+9.2% YoY +2.2% QoQ
+$112.8M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
76%
Total Deposits ? $430.8M
+6.3% YoY +0.2% QoQ
+$104.0M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
73%
Return on Assets ? 0.86%
-37.8% YoY -61.0% QoQ
-0.46% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
27%
Net Interest Margin ? 4.43%
-3.2% YoY +0.5% QoQ
+0.44% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
77%
Efficiency Ratio ? 78.34%
+9.3% YoY +12.7% QoQ
+13.86% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
16%
Delinquency Rate ? 1.07%
-47.9% YoY -6.3% QoQ
+0.15% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
26%
Loan-to-Deposit Ratio ? 86.16%
+2.7% YoY +2.0% QoQ
+8.20% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
35%
Non-Interest-Bearing Deposit Share ? 4.75%
-7.1% YoY -0.5% QoQ
-17.28% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 3.3% in tier
Nonperforming Asset Ratio ? 0.76%
-46.4% YoY -4.8% QoQ
+0.09% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
28%
Tier 1 Capital Ratio ? 18.41%
-8.5% YoY -3.0% QoQ
+2.51% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
82%
Non-Interest Income / Assets ? 3.44%
+4.3% YoY +77.4% QoQ
+2.87% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
Top 1.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 4.7%
-0.4pp YoY
0.0pp QoQ
 -17.4pp 22.1% 18.8% 22.2% 3%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 47.6%
+4.2pp YoY
-0.7pp QoQ
 +36.0pp 11.6% 10.2% 12.5% 99%
CRE 24.3%
-3.2pp YoY
+0.3pp QoQ
 -15.2pp 39.5% 34.2% 41.4% 25%
1-4 Family 15.5%
0.0pp YoY
0.0pp QoQ
 -17.1pp 32.6% 50.0% 31.3% 20%
Consumer 14.9%
-1.1pp YoY
+0.3pp QoQ
 +10.7pp 4.1% 4.7% 5.0% 96%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 18.4%
-1.7pp YoY
-0.6pp QoQ
 -0.4pp 18.8% 22.1% 19.7% 72%
Leverage Ratio 12.9%
-0.7pp YoY
-0.4pp QoQ
 +0.8pp 12.2% 12.9% 12.6% 74%
Total Capital Ratio 19.7%
-1.7pp YoY
-0.6pp QoQ
 -0.3pp 19.9% 23.2% 20.8% 73%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 190
0 YoY
-1 (-0.5%) QoQ
 +131 58 2,433 482 99%
Assets per Employee ($) $2.8M
+6.1% YoY
+1.1% QoQ
 -$4.8M $7.5M $7.6M $8.8M 1%
Branch Count 6
0 YoY
0 QoQ
 +1 4 81 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 1.1%
-1.0pp YoY
-0.1pp QoQ
 +0.1pp 0.9% 0.6% 1.0% 73%
Allowance Coverage 2.20x
+75.5% YoY
+0.4% QoQ
 -21.95x 24.15x 18.95x 20.23x 50%
Net Charge-off Rate (YTD) 2.2%
+0.6pp YoY
+0.6pp QoQ
 +2.1pp 0.1% 0.1% 0.2% 99%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 6.3%
-3.6pp YoY
-9.8pp QoQ
 -5.9pp 12.2% 9.7% 11.6% 18%
Cost of Funds (YTD) 3.2%
-0.3pp YoY
0.0pp QoQ
 +1.5pp 1.7% 1.7% 1.7% 99%
Net Income ($, YTD) $2.2M
-34.5% YoY
— QoQ
 -$337K $2.6M $259.3M $40.4M 57%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#108 of 661 • Top 16.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 3.44%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 0.86%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Margin Compression

decline
#15 of 307 • Bottom 4.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.86%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Liquidity Overhang

risk
#269 of 742 • Bottom 36.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 18.41%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 86.16%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

28
Non-Interest Income / Assets
revenue_mix
Value: 3.44%
Peer Median: 0.57%
#28 of 2643 Top 1.0% in $100M-$1B
464
Tier 1 Capital Ratio
capital
Value: 18.41%
Peer Median: 15.91%
#464 of 2643 Top 17.5% in $100M-$1B
621
Net Interest Margin
profitability
Value: 4.43%
Peer Median: 3.99%
#621 of 2643 Top 23.5% in $100M-$1B
630
Total Loans
size
Value: $371.13M
Peer Median: $258.35M
#630 of 2643 Top 23.8% in $100M-$1B

Top Weaknesses (2 metrics)

2556
Non-Interest-Bearing Deposit Share
funding
Value: 4.75%
Peer Median: 22.03%
#2556 of 2643 Bottom 3.3% in $100M-$1B
2229
Efficiency Ratio
profitability
Value: 78.34%
Peer Median: 64.48%
#2229 of 2643 Bottom 15.7% in $100M-$1B
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