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101 South Main Street
DeGraff, OH 43318

United Midwest Savings Bank is headquartered in De Graff and is the 91st largest bank in the state of Ohio. It is also the 3,260th largest bank in the nation. It was established in 1889 and as of March of 2014, it had grown to 63 employees at 5 locations. United Midwest Savings Bank has a C- health rating.

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Reviews (1)


You want some 'constructive criticism' and no rude or 'derisive' posts huh? Well no wonder therre are no ratings on here, because they have clearly all been deleted.

This bank used the 'guise' of fannie mae and freddie mac paperwork leading me to believe they were backed by such.  NOT the case.

And when i became disabled and begged for a loan modification to keep my home...of course i was DENIED.  

To make matters worse, they were suppose to be taking my property taxes out of escrow as i had requested.  Did they? NOPE. 

So now i have a tax lein on my property to make my already difficult situation now an impossible one.

So here's some of that 'constructive criticism' you supposedly want (wink and nod here):

Be courteous.  Show some empathy.  Or better yet, just do your job and try to help ppl with their loans.

Upside down on your loan? Paying EXORBITANT interest rates? Well, here's the bad news: If you have a mortgage loan with are screwed.  

If I get any feedback from this, Im glad to give ANYONE my name and number so you can get a load of what they have done to me.



Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 United Midwest Savings Bank had $9.91 million in non-current loans and owned real-estate with $11.68 million in equity and loan loss allowances on hand to cover it. This gives United Midwest Savings Bank a Texas Ratio of 84.85% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for United Midwest Savings Bank decreased slightly from 117.70% as of March 31, 2013 to 84.85% as of March 31, 2014, resulting in a positive change of 27.91%.This indicates that the balance sheet and financial strength for United Midwest Savings Bank has improved slightly in recent periods.

Deposit Growth


In the past year, United Midwest Savings Bank has decreased its total deposits by -$3.62 million, resulting in -2.06% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth United Midwest Savings Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. United Midwest Savings Bank has $181.65 million in assets with $11.68 million in equity, resulting in a capitalization level of 6.43%, which is below average.

Institution Statistics

FDIC Certificate #32441
Year Established1889
Primary RegulatorOCC
Assets and Liabilities
Assets$181.65 million
Loans$146.62 million
Deposits$171.79 million
Equity Capital$9.21 million
Loan Loss Allowance$2.47 million
Unbacked Noncurrent Loans$8.42 million
Real Estate Owned$1.49 million
Historic Data - March 2013
Assets$185.10 million
Equity Capital$9.08 million
Loan Loss Allowance$2.70 million
Unbacked Noncurrent Loans$8.42 million
Real Estate Owned$4.09 million
Profit Margin - Quarterly
Net Interest Margin4.92%
Return on Assets-0.05%
Return on Equity-1.04%
Interest Income$2.27 million

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United Midwest Savings Bank Locations
The First State Bk. Of W. Manchester Branch101 North Main StreetWest Manchester, OH 45382
United Midwest Savings Bank101 South Main StreetDe Graff, OH 43318
Ridgeway Avenue Branch1057 Ridgeway AvenueFalmouth, KY 41040
Reed Rd Branch4848 Reed RoadColumbus, OH 43220
Lake Mary Branch875 Currency CircleLake Mary, FL 32746