Bank · FDIC insured
The Union Bank Company
A $1.4B bank headquartered in Columbus Grove, OH, with 15 branches in Ohio. Best rates: CDs 3.70% and savings 0.50% APY.
The Union Bank Company Carrot Score
70
Carrot Score
Higher than 26% of U.S. banks and credit unions
#19 of 31 in Toledo, OH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About The Union Bank Company
Founded in 1904 and headquartered in Columbus Grove, The Union Bank Company is a locally owned and operated subsidiary of United Bancshares, Inc.
The bank operates 14 full-service branch locations serving communities and businesses throughout Northwest and Central Ohio.
With many locations in farming communities, agricultural lending is an important focus for the bank.
- Headquarters
- 101 Progressive Dr, Columbus Grove, OH 45830
- FDIC certificate
- 12969 ↗
Branches
15 branches in Ohio
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Ohio
15 branches
Toledo area · 3
- Bowling Green Branch1300 N Main St, Bowling Green, OH 43402Directions
- Otterbein-Portage Valley Branch20311 Pemberville Rd, Pemberville, OH 43450Directions
- Pemberville Branch132 E Front St, Pemberville, OH 43450Directions
Lima area · 3
- Delphos Branch114 E 3rd St, Delphos, OH 45833Directions
- Lima East Branch1410 Bellefontaine Ave, Lima, OH 45804Directions
- Lima West Branch3211 Elida Rd, Lima, OH 45805Directions
Columbus Grove area · 1
- The Union Bank CompanyMain office101 Progressive Dr, Columbus Grove, OH 45830Directions
Columbus area · 1
- Lewis Center Branch30 Coal Bnd, Delaware, OH 43015Directions
Findlay area · 1
- Findlay Branch1500 Bright Rd, Findlay, OH 45840Directions
Fremont area · 1
- Gibsonburg Branch230 West Main Street, Gibsonburg, OH 43431Directions
Kalida area · 1
- Kalida Branch110 E North St, Kalida, OH 45853Directions
Leipsic area · 1
- Leipsic Branch318 S Belmore St, Leipsic, OH 45856Directions
Marion area · 1
- Marion Downtown Branch111 S Main St, Marion, OH 43302Directions
Ottawa area · 1
- Ottawa Branch245 W Main St, Ottawa, OH 45875Directions
Paulding area · 1
- Paulding Branch103 S Main St, Paulding, OH 45879Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.78% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.12% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.92% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $72 | $88 | — |
- CapitalLeverage ratio10.78%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.12%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.92%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$72Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of The Union Bank Company are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.