United Midwest Savings Bank, National Association
Degraff, Ohio, Logan County
$523M in total assets, the 1,766th largest of 4,309 US banks and 53rd of 160 headquartered in Ohio.
- FDIC certificate
- 32441
- Established
- 1889
- Owned by
- Msb Capital Corp
- Primary regulator
- OCC
- Website
- www.umwsb.com
At a glance
Compared with 95 banks headquartered in Ohio with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $523M | 83% | $268M | |
| Loans | $380M | 84% | $192M | |
| Deposits | $431M | 81% | $231M | |
| Return on assets | 0.72% | 38% | 0.91% | |
| Net interest margin | 4.43% | 80% | 3.66% | |
| Efficiency ratio | 78.3% | 70% | 71.5% | |
| Equity to assets | 13.59% | 81% | 10.39% | |
| Loans to deposits | 88% | 65% | 81% |
Growth
Total assets grew 2.3% a year over the last 5 years and 10.4% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2004 | The First State Bank of West Manchester West Manchester, OH | $15M |
| Jun 2002 | Pendleton Federal Savings and Loan Association Falmouth, KY | $41M |
Where they operate
6 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Franklin County, OH | $279M | 0.3% | 17 of 34 |
| Preble County, OH | $90M | 12.2% | 5 of 9 |
| Logan County, OH | $61M | 6.2% | 8 of 13 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 2 branches since 2016 (4 to 6, +50.0%). 3 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 4 | |||
| 2018 | Opened Columbus and Westerville | 2 | 0 | +2 | 6 |
| 2020 | Sold 1 branch to First-Citizens Bank & Trust Company | 0 | 1 | −1 | 5 |
| 2024 | Opened Worthington | 1 | 0 | +1 | 6 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 46% | 8% | |
| Commercial real estate | 24% | 22% | |
| 1-4 family residential | 15% | 50% | |
| Consumer | 15% | 4% | |
| Construction and land | 0% | 5% | |
| Multifamily | 0% | 4% | |
| Farmland | 0% | 5% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 90% | 35% | |
| Other interest-bearing | 6% | 46% | |
| Noninterest-bearing | 5% | 18% |
Brokered deposits are 0.0% of deposits (peers 3.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.54% | 0.34% |
| Net charge-offs, annualized | 2.25% | 0.00% |
| Reserves to loans | 2.31% | 1.01% |
| Leverage ratio | 12.93% | 10.82% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Ohio
Largest competitors in Franklin County, OH
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/united-midwest