united bancshares, inc. operates as the bank holding company for the union bank company that provides various commercial and consumer banking services. the company accepts various deposits products, such as checking, savings, demand deposit, money market deposit, term certificate, and individual retirement accounts, as well as certificates of deposit. its loan products include commercial and residential real estate, agricultural, commercial and industrial, home equity, and various types of consumer and small business administration loans. the company also offers wealth management, treasury management, online and mobile banking, automatic teller machine, bill pay, safe deposit box rental, payment, and other personalized services. the company operates seventeen banking centers and two loan production offices in northwest and central ohio. united bancshares, inc. was founded in 1904 and is headquartered in columbus grove, ohio.