Business Description
United Bancshares, Inc. (“UBOH”), an Ohio corporation, organized
in 1985, is headquartered in Columbus Grove, Ohio. We are a bank holding company
under the Bank Holding Company Act of 1956, as amended (the “BHCA”).
UBOH is regulated as a one-bank holding company by the Board of Governors of
the Federal Reserve System (the “Federal Reserve Board”), and its
principal asset and operating subsidiary is The Union Bank Company, an Ohio
state chartered commercial bank (“Union Bank”).
Union Bank is an Ohio state-chartered bank supervised by the State of Ohio,
Division of Financial Institutions (the “Division”), and the Federal
Deposit Insurance Corporation (the “FDIC”). Through Union Bank,
we provide a wide range of commercial and retail banking services. Union Bank
offers a full range of commercial banking services, including checking accounts,
savings and money market accounts; certificates of deposit; on-line banking
and automatic teller machines; commercial, consumer, agricultural, residential
mortgage and home equity loans; wealth management services; treasury management
services; safe deposit box rentals; and other personalized banking services.
Through our fifteen branch offices located in Bowling Green, Columbus Grove,
Delaware, Delphos, Findlay, Gibsonburg, Kalida, Leipsic, Lima, Marion, Ottawa,
and Pemberville, Ohio, we serve the Ohio counties of Allen, Delaware, Hancock,
Marion, Putnam, Sandusky, Van Wert, and Wood.
In the operation of its business, Union Bank maintains a strong community orientation.
Union Bank’s business model emphasizes personalized service, clients’
access to key decision makers, individualized-attention, tailored products,
and access to on-line banking tools. Union Bank’s management has placed
a special emphasis on personalized attention to its customers’ needs in
order to better serve the members of the community and create opportunities
for them. Union Bank concentrates its efforts on serving the financial needs
of the business in the Ohio counties that it serves as well as on providing
financing to customers seeking to purchase or build their own homes; routinely
seeking opportunities to foster economic growth and wealth accumulation in local
economies through the financing of local entrepreneurs and residences in the
areas we serve.
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