Bank · FDIC insured
United Midwest Savings Bank
A $523.4M bank headquartered in De Graff, OH, with 6 branches in Ohio. Best rates: CDs 4.75% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.75%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About United Midwest Savings Bank
Founded in 1889, United Midwest Savings Bank focuses its services on business lending, consumer lending, residential loans, and deposit services.
The bank maintains a community focus on financial education and small business development.
- Headquarters
- 101 S Main St, De Graff, OH 43318
- FDIC certificate
- 32441 ↗
Branches
6 branches in Ohio
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Ohio
6 branches
Columbus area · 2
- Bexley Banking Center Branch3011 E Broad St, Columbus, OH 43209Directions
- Reed Rd Branch4848 Reed Rd, Columbus, OH 43220Directions
De Graff area · 1
- United Midwest Savings Bank, National AssociationMain office101 S Main St, De Graff, OH 43318Directions
West Manchester area · 1
- The First State Bk. Of W. Manchester Branch101 N Main St, West Manchester, OH 45382Directions
Westerville area · 1
- 780 S. State Street Branch780 S State St, Westerville, OH 43081Directions
Worthington area · 1
- 547 High Street Branch547 High Street, Worthington, OH 43085Directions
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 | 12.93% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.05% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.86% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $88 | $81 | — |
- CapitalLeverage ratio12.93%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.05%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.86%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$88Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 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 United Midwest Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.