Is Unified Bank Safe?
Unified Bank has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (82/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.26% | 87/100 |
| Nonperforming Loan Ratio | 0.16% | 97/100 |
| Liquidity Ratio | 33.92% | 100/100 |
| Return on Assets | 1.55% | 82/100 |
| Total Assets | $0.8B | |
How does Unified Bank compare?
With a Bank Health Score of 93/100, Unified Bank sits 23.0 points above the national average of 70/100 for FDIC-insured banks. Within Ohio, where 144 FDIC-insured banks are headquartered, Unified Bank ranks above the state average of 67/100 (Grade B).
The bank's Tier 1 capital ratio of 13.26% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.16% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Unified Bank's Bank Health Score fell by 3.0 points to 93/100. Tier 1 capital weakened by 0.92 percentage points to 13.26%.
Unified Bank has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (82/100).