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, such as checking, savings, demand, and money market deposits; and individual retirement accounts, as well as certificates of deposit. It offers Residential 1-4 family loans, including 1-4 family nonowner occupied, home equity loans, and lines of credit; commercial and multifamily real estate loans, including commercial real estate nonowner and owner occupied, construction and development, and agriculture land loans; commercial loans, such as commercial working capital, term, and agriculture production loans; consumer loans, including consumer direct and overdraft credit lines; and mortgage and personal loans. In addition, the company provides digital banking, credit cards, wealth management, treasury management, merchant services, and online banking. It also operates full-service banking centers and loan production offices in northwest and central Ohio. United Bancshares, Inc. was founded in 1904 and is headquartered in Columbus Grove, Ohio.