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The Lender Report built this page from public records. United Midwest Savings Bank, National Association has not reviewed it. Every lender's page starts this way, and it says nothing about United Midwest Savings Bank, National Association itself. Each figure shows its source and date. Work at United Midwest Savings Bank, National Association? You can claim this page for free.
Bank, Degraff, OH
United Midwest Savings Bank, National Association
A bank based in Degraff, OH. Its commercial book is mostly C&I. Public files show recent SBA 7(a) loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $267M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 2,463
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $523M
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- The FDIC record has no phone number. Try the lender's website.
- Website
- www.umwsb.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- umwsb.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- United Midwest Savings Bank, N.A.; United Midwest Savings Bank; United Midwest Savings Bank National AssociationFDIC institution record,
- Address
- 101 S Main St, Degraff, OH 43318FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 2,462 under Preferred Lender authority.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 19.6% to $176.5M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 38.8% to $20M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
| 2023-10 to 2026-09 | Named as the lender on 1 mortgage recorded in New York City.exact normalized lender name and state, or a reviewed alias | NYC ACRIS recorded mortgages |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Georgia | SBA 7(a), Pet Care (except Veterinary) Services | $2.3M | 8.75% | 25 yr | SBA FOIA | |
| Sep 2026 | California | SBA 7(a), Offices of Certified Public Accountants | $2M | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Ohio | SBA 7(a), Offices of Dentists | $1.6M | 9.5% | 17 yr | SBA FOIA | |
| Sep 2026 | Louisiana | SBA 7(a), Offices of Certified Public Accountants | $1.5M | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Colorado | SBA 7(a), Other Activities Related to Real Estate | $1.4M | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | California | SBA 7(a), Offices of Certified Public Accountants | $1.3M | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | North Carolina | SBA 7(a), Tax Preparation Services | $1.1M | 8.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Texas | SBA 7(a), Tax Preparation Services | $1M | 9% | 10 yr | SBA FOIA | |
| Sep 2026 | Ohio | SBA 7(a), Other Business Service Centers (including Copy Shops) | $940K | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | West Virginia | SBA 7(a), Professional, Scientific, and Technical Services | $870K | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | North Carolina | SBA 7(a), Janitorial Services | $810K | 9% | 10 yr | SBA FOIA | |
| Sep 2026 | Michigan | SBA 7(a), Other Accounting Services | $810K | 9.25% | 10 yr | SBA FOIA | |
| Sep 2026 | Minnesota | SBA 7(a), Tax Preparation Services | $800K | 9% | 10 yr | SBA FOIA | |
| Sep 2026 | Florida | SBA 7(a), Other Miscellaneous Durable Goods Merchant Wholesalers | $760K | 9% | 10 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), Other Accounting Services | $760K | 9% | 10 yr | SBA FOIA | |
| Sep 2026 | South Carolina | SBA 7(a), Offices of Chiropractors | $750K | 9% | 10 yr | SBA FOIA | |
| Sep 2026 | Illinois | SBA 7(a), Funeral Homes and Funeral Services | $730K | 9% | 25 yr | SBA FOIA | |
| Sep 2026 | Alaska | SBA 7(a), Health Care and Social Assistance | $730K | 9.25% | 10 yr | SBA FOIA | |
| Sep 2026 | California | SBA 7(a), Offices of Certified Public Accountants | $710K | 9% | 10 yr | SBA FOIA | |
| Sep 2026 | California | SBA 7(a), All Other Miscellaneous Electrical Equipment and Component Manufacturing | $670K | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Ohio | SBA 7(a), Offices of Chiropractors | $650K | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Alabama | SBA 7(a), All Other Specialty Trade Contractors | $600K | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Arizona | SBA 7(a), Insurance Agencies and Brokerages | $550K | 9.25% | 10 yr | SBA FOIA | |
| Sep 2026 | Arizona | SBA 7(a), Other Accounting Services | $530K | 8.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Texas | SBA 7(a), Temporary Help Services | $530K | 9.5% | 10 yr | SBA FOIA | |
| 2,463 SBA 7(a) loans since October 2023, net of cancelled | $933M | SBA FOIA | |||||
A blank means the source did not report it.
Recorded mortgages, New York City
NYC ACRIS, September 30, 2026
Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.
- 1 mortgage recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 names United Midwest Savings Bank, National Association as the lender, totaling $1.00M.
| Property class | Mortgages | Dollars |
|---|---|---|
| Other | 1 | $1.00M |
| Borough | Mortgages |
|---|---|
| Manhattan | 1 |
How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $116K | 0.0% | Not reported |
| Construction and land development | $136K | 0.0% | Not reported |
| Owner-occupied CRE | $29.4M | 7.7% | -8.6% |
| Non-owner-occupied CRE | $60.6M | 16.0% | -0.9% |
| Farmland | $65.0K | 0.0% | Not reported |
| Commercial and industrial | $176M | 46.5% | +19.6% |
| Commercial total | $267M |
Reference only: $57.7M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $267M |
| Q4 2023 | $206M |
| Q1 2024 | $218M |
| Q2 2024 | $203M |
| Q3 2024 | $203M |
| Q4 2024 | $203M |
| Q1 2025 | $223M |
| Q2 2025 | $241M |
| Q3 2025 | $255M |
| Q4 2025 | $245M |
| Q1 2026 | $263M |
| Q2 2026 | $267M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 2,463 | $933M | $150K | $5M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 789 | $321M | SBA FOIA, |
How these public files were tied to this lender. SBA 7(a) loans: its FDIC certificate number.
| Industry | Loans | Dollars |
|---|---|---|
| Vending Machine Operators | 252 | $34.4M |
| Residential Remodelers | 210 | $44.8M |
| Offices of Chiropractors | 113 | $46.0M |
| Janitorial Services | 113 | $20.2M |
| Plumbing, Heating, and Air-Conditioning Contractors | 112 | $35.8M |
| Offices of Certified Public Accountants | 95 | $83.6M |
| Landscaping Services | 88 | $19.2M |
| Offices of Dentists | 68 | $90.6M |
| Insurance Agencies and Brokerages | 68 | $63.8M |
| Residential Property Managers | 66 | $12.8M |
Other lenders in these fields: SBA lenders for retail stores, SBA lenders for construction trades, SBA lenders for medical practices.
Programs on record: Federal Home Loan Bank member, Cincinnati district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- United Midwest Savings Bank, National Association reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family residential construction and $19,998,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $21,974,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 387 | $2.81M |
| Over $100,000 up to $250,000 | 3,132 | $49.3M |
| Over $250,000 up to $1 million | 622 | $63.0M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 4 | $77.0K |
| Over $100,000 up to $250,000 | 11 | $456K |
| Over $250,000 up to $1 million | 88 | $11.4M |
| Original amount | Loans | Holds |
|---|---|---|
| Over $250,000 up to $500,000 | 1 | $65.0K |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 57 | $249K |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Ohio HQ | 6 | 0 | 0 | 108 | 0 |
| Texas | 0 | 0 | 0 | 303 | 0 |
| Florida | 0 | 0 | 0 | 275 | 0 |
| California | 0 | 0 | 0 | 193 | 0 |
| Georgia | 0 | 0 | 0 | 130 | 0 |
| North Carolina | 0 | 0 | 0 | 118 | 0 |
| Arizona | 0 | 0 | 0 | 80 | 0 |
| Tennessee | 0 | 0 | 0 | 80 | 0 |
| Pennsylvania | 0 | 0 | 0 | 73 | 0 |
| Colorado | 0 | 0 | 0 | 71 | 0 |
| Michigan | 0 | 0 | 0 | 69 | 0 |
| Virginia | 0 | 0 | 0 | 67 | 0 |
Also in NJ, NY, IL, SC, MA, IN, MD, UT, WA, AL, MO, WI, OR, KY, CT, KS, NV, LA, MN, NM, ID, OK, IA, NH, AR, NE, MS, MT, DC, WV, DE.
Offices by county
FDIC Summary of Deposits, June 30, 2026
- United Midwest Savings Bank, National Association has 6 offices in 3 counties and 1 state (FDIC Summary of Deposits, June 30, 2026): 6 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Franklin County, OH | 4 | 0 |
| Logan County, OH | 1 | 0 |
| Preble County, OH | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $11.4M | $5.27M to $13.2M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 80.5% | 49.3% to 280.7% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 0.2% | 5.9% to 86.6% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 88.2% | 62.0% to 86.8% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $20.0M | $0 to $20.7M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 38.8% from a year earlier. | FDIC call report, |
| Loans to assets | 72.6% | 53.4% to 75.1% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 2,462 loans (100.0%)
- Approval to first disbursement
- 20 days, median of 2,380
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Osgood Bank | OH | $486M | $254M |
| Belmont Savings Bank | OH | $613M | $118M |
| GreenWay Bank | OH | $402M | $117M |
| Portage Community Bank | OH | $552M | $190M |
| The Savings Bank | OH | $520M | $155M |
| The Old Fort Banking Company | OH | $844M | $288M |
| Buckeye State Bank | OH | $569M | $229M |
| The Farmers Bank and Savings Company | OH | $472M | $146M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. United Midwest Savings Bank, National Association, FDIC certificate 32441. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $523M in total assets and $267M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 2,463 recorded loans from SBA files, through September 30, 2026: 2,463 SBA 7(a) in 36 months. Each has its source and date. [How each file was tied to United Midwest Savings Bank, National Association]
- Phone and website. No phone number is on record. Website umwsb.com, from the FDIC record. [How to reach them]
- Recorded mortgages, New York City. 1 recorded mortgage in New York City under this name. [Source]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- Office of the Comptroller of the Currency
- FDIC certificate
- 32441
- RSSD
- 809276
- LEI
- 2549001D7C68ND5CZH86
- The Lender Report ID
- lr_002505
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $523.4M in total assets as of June 30, 2026 (FDIC call report).
- Held $266.8M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $176.5M of commercial and industrial loans as of June 30, 2026, up 19.6% from a year earlier (FDIC call report).
- Held $60.6M of non-owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $29.4M of owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Recorded 2,657 SBA 7(a) approvals totaling $1B from October 1, 2023 to September 30, 2026, of which 194 were later cancelled (SBA).
5 more sentences
- Listed 6 offices in 1 state (FDIC).
- Held 4,141 commercial and industrial loans that were $1 million or less when made, with a balance of $115.1M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 103 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $12M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family and $20M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
- Named as the lender on 1 mortgage recorded in New York City from 2023-10 to 2026-09, totaling $1M (NYC Department of Finance, ACRIS).
Cite this
Source: The Lender Report, United Midwest Savings Bank, National Association, https://lender.report/lender/united-midwest-savings-bank-oh/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
- NYC ACRIS recorded mortgages, September 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at United Midwest Savings Bank, National Association? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem