BlastPoint's Banking Scorecard
Unified Bank
Martins Ferry, OH
19 branches across OH · WV
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 +6.8% year over year ($702.1M on the books).
- Delinquency rate 1.30%.
- Return on assets 1.38%.
- Efficiency ratio 63.73% vs a 64.48% peer average.
- Loan-to-deposit ratio 70.07% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Unified Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.06% above tier average
- + Efficiency Ratio 0.75% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.18% below tier average
- - Delinquency Rate 0.38% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$871.7M
+3.4% YoY
+2.2% QoQ
|
+$485.2M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
Top 4.8% in tier |
| Total Loans ? |
$492.0M
-0.9% YoY
-0.8% QoQ
|
+$233.6M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
Top 12.3% in tier |
| Total Deposits ? |
$702.1M
+6.8% YoY
+3.0% QoQ
|
+$375.3M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
Top 6.8% in tier |
| Return on Assets ? |
1.38%
+1.4% YoY
+5.5% QoQ
|
+0.06% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
58% |
| Net Interest Margin ? |
3.81%
+3.6% YoY
+3.0% QoQ
|
-0.18% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
42% |
| Efficiency Ratio ? |
63.73%
+3.2% YoY
-3.1% QoQ
|
-0.75% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? |
1.30%
+259.9% YoY
-0.3% QoQ
|
+0.38% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
70.07%
-7.3% YoY
-3.7% QoQ
|
-7.88% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
22.57%
-0.1% YoY
-1.0% QoQ
|
+0.54% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.99%
+65.2% YoY
-6.0% QoQ
|
+0.33% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
12.53%
-2.6% YoY
+1.0% QoQ
|
-3.38% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.35%
+17.4% YoY
+108.8% QoQ
|
-0.22% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
79% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
22.6%
0.0pp YoY -0.2pp QoQ |
+0.4pp | 22.1% | 18.8% | 22.2% | 57% |
| 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 |
16.5%
-3.0pp YoY -0.5pp QoQ |
+4.9pp | 11.6% | 10.2% | 12.5% | 80% |
| CRE |
52.1%
+3.1pp YoY +0.1pp QoQ |
+12.6pp | 39.5% | 34.2% | 41.4% | 73% |
| 1-4 Family |
29.9%
-0.1pp YoY +0.2pp QoQ |
-2.8pp | 32.6% | 50.0% | 31.3% | 51% |
| Consumer |
1.2%
-0.3pp YoY -0.1pp QoQ |
-2.9pp | 4.1% | 4.7% | 5.0% | 34% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.5%
-0.3pp YoY +0.1pp QoQ |
-6.3pp | 18.8% | 22.1% | 19.7% | 23% |
| Leverage Ratio |
9.0%
-0.3pp YoY -0.2pp QoQ |
-3.2pp | 12.2% | 12.9% | 12.6% | 12% |
| Total Capital Ratio |
13.2%
-0.3pp YoY +0.1pp QoQ |
-6.7pp | 19.9% | 23.2% | 20.8% | 19% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
124
+2 (+1.6%) YoY -2 (-1.6%) QoQ |
+65 | 58 | 2,433 | 482 | 94% |
| Assets per Employee ($) |
$7.0M
+1.8% YoY +3.9% QoQ |
-$488K | $7.5M | $7.6M | $8.8M | 53% |
| Branch Count |
19
+1 (+5.6%) YoY 0 QoQ |
+14 | 4 | 81 | 18 | 99% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.2% | 0.4% | 4% |
| Nonaccrual |
1.3%
+0.9pp YoY 0.0pp QoQ |
+0.4pp | 0.9% | 0.6% | 1.0% | 78% |
| Allowance Coverage |
0.68x
-70.6% YoY +3.6% QoQ |
-23.47x | 24.15x | 18.95x | 20.23x | 17% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 56% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.1%
-0.7pp YoY +0.8pp QoQ |
+3.9pp | 12.2% | 9.7% | 11.6% | 73% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.7% | 1.7% | 45% |
| Net Income ($, YTD) |
$5.9M
+5.2% YoY — QoQ |
+$3.4M | $2.6M | $259.3M | $40.4M | 92% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.