United Community Financial (UCFC) 8-K When used in this presentation the words or phrases “will likely result,” “are expected to,” “will continue,” “is

Raymond James

Presentation

November 2, 2015

Presenter:

Gary Small -

President and Chief Executive Officer

EXHIBIT 99

When used in this presentation the words or phrases “will likely result,” “are expected to,” “will continue,” “is

anticipated,” “estimates,” “projects” or similar expressions are intended to identify “forward-looking

statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are

subject to certain risks and uncertainties, including changes in economic conditions in United Community’s

market area, changes in policies by regulatory agencies, fluctuations in interest rates, demand for loans in

Home Savings’ market area, and competition, that could cause actual results to differ materially from results

presently anticipated or projected. United Community cautions readers not to place undue reliance on any

such forward-looking statements, which speak only as of the date made. United Community advises readers

that the factors listed above could affect United Community’s financial performance and could cause United

Community’s actual results for future periods to differ materially from any opinions or statements expressed

with respect to future periods in any current statements. United Community undertakes no obligation to

update any forward-looking statement to reflect events or circumstances after the date on which the

statement is made. Actual results may differ materially from our statements due to a number of risks and

uncertainties, including those described in the Company’s Form 10-K for the year ended December 31, 2014

and subsequent filings.  Please refer to these SEC documents for a complete list of risk factors.

Forward-Looking Statement Disclosure

2

This presentation contains financial information determined by methods other than those prescribed by accounting principles generally

accepted in the United States of America ("GAAP").

Management uses these non-GAAP financial measures because it believes that they are useful for evaluating our operations and

performance over periods of time, as well as in managing and evaluating our business and in discussions about our operations and

performance.  Management believes these non-GAAP financial measures provide users of our financial information with meaningful measures

for assessing our financial results, as well as a comparison to financial results for prior periods.  These non-GAAP financial measures should

not be considered as a substitute for financial measures determined in accordance with GAAP and may not be comparable to other similarly

titled financial measures used by other companies. A reconciliation of the differences between our non-GAAP financial measures and the

most comparable GAAP measures accompanies the use of such non-GAAP financial measures within the body of this presentation.

Non-GAAP Financial Measures

3

Dec.

2013

Dec. 2014

Dec. 2015

Total equity/Total assets

10.1%

13.1%

12.4%

Tangible common equity/Tangible assets (non-GAAP)

10.1%

13.1%

12.4%

On page 20, UCFC uses a non-GAAP financial measure, the tangible common equity to tangible assets ratio (TCE), to provide information

for investors to effectively analyze financial trends of ongoing business activities, and to enhance comparability with peers across the

financial sector. We believe TCE is useful because it is a measure utilized by regulators, market analysts and investors in evaluating a

Company’s financial condition and capital strength. TCE,  as defined by us, represents common equity less core deposit intangible assets.

A reconciliation from our GAAP total equity to total assets ratio to the non-GAAP tangible common equity to tangible assets ratio is

presented below.

4

Loan Offices

Branch Locations

Company Profile

5

Loan Offices

Branch Locations

Size of circle corresponds to relative size of the

bank’s business in that market

Loan Balances by Region

6

Loan Offices

Branch Locations

Size of circle corresponds to relative size of the

bank’s business in that market

Deposit Balances by Region

•

Net income of $4.1 million

•

ROA of 0.85% and ROE of 6.87%

•

Annualized loan growth of 17.8%

•

Maintained improved efficiency ratio of 63.5%

•

Tangible book value improved to $5.12 per share

•

Dividend of $0.025 per common share declared

7

2015 Third Quarter Highlights

CRE, Commercial and Commercial Construction

Residential, residential construction and AFS

Consumer

Balance in millions

Loan Composition (including

AFS)

$639

$752

$765

$778

$802

$226

$253

$270

$313

$343

$189

$181

$181

$184

$187

4Q '13

4Q '14

1Q '15

2Q '15

3Q '15

$1,054

$1,186

$1,216

4.99%

4.47%

4.46%

4.41%

8

$1,275

4.32%

$1,332

4.29%

Balance in millions

Commercial Loan Growth

Commercial Balances

Unfunded Commercial Commitments

$237

$309

$330

9

$397

$426

$222

$251

$270

$313

$343

$15

$58

$60

$84

$83

$100

$200

$300

$400

$500

4Q '13

4Q '14

1Q '15

2Q '15

3Q '15

Balance in millions

Commercial Loan Composition

10

Commercial balances are estimates for year end

2015.  Total balances are estimated to be $366MM.

21.9%

22.7%

19.9%

9.0%

26.5%

$0

$50

$100

C&I

Multi-Family

CRE -

Non

Owner Occupied

CRE -

Owner

Occupied

Comm'l Const.

Balance in millions

Commercial Loan Origination Growth

CRE and Commercial Construction

C&I

$45

$55

$123

11

$208

Projected Commercial Originations 4

quarter of 2015 

$30

$39

$87

$125

$15

$16

$36

$38

$45

$0

$50

$100

$150

$200

$250

2012

2013

2014

2015

th

Balance in millions

Mortgage Loan Portfolio (including AFS)

15

Year

Construction Perm including AFS

12

ARMs

30 Year

$0

$100

$200

$300

$400

$500

$600

$700

$800

$900

4Q '13

4Q '14

1Q '15

3Q '15

$54

$58

$68

$79

$302

$387

$382

$390

$218

$242

$248

$269

$65

$65

$67

$64

$639

$752

$765

$802

Mortgage Banking

•

Controlled balance growth

•

Fee income growth

Volume of saleable loans originated

Spread earned on sales

•

Market expansion –

Columbus, Pittsburgh and Toledo

•

Construction perm business

•

Servicing $1.1 billion FNMA/FHLMC mortgages

13

Investment Securities

Securities/Assets (%)

Investment Portfolio

September 30, 2015

Agency MBS

51%

Yield 2.2%

Duration 4.9

Gov’t Agency

47%

Yield 2.2%

Duration 7.0

Portfolio Duration

5.9

14

Municipals

2%

FTE Yield 3.3%

Duration 7.8

$511.0

$499.8

$492.4

$479.8

($MM’s)

29.4%

27.3%

26.5%

24.4%

0.0%

10.0%

20.0%

30.0%

40.0%

4Q '13

4Q '14

1Q '15

3Q '15

Noninterest-bearing deposits

Interest-bearing checking, money market & savings

Time deposits

Borrowed funds

Average Balances –

Total Funding Composition

Total Cost of Funds

0.76%

0.66%

0.55%

Funding Structure and Cost of Funds

15

0.56%

0.55%

47.5%

46.4%

46.9%

48.1%

46.0%

29.2%

28.3%

27.0%

27.7%

27.0%

3Q '14

4Q '14

1Q '15

2Q '15

3Q '15

11.0%

13.6%

12.4%

12.3%

13.0%

12.7%

12.9%

12.5%

11.2%

14.3%

*Pro forma column assumes the prepayment of $30.0 million of high cost debt

Net Interest Income

Net Interest Margin

Dollars in thousands

Net Interest Income and Margin

16

$12,725

$13,351

$13,880

$13,857

$14,321

$14,621

3.06%

3.16%

3.24%

3.16%

3.18%

3.25%

2.95%

3.00%

3.05%

3.10%

3.15%

3.20%

3.25%

3.30%

$10,000

$10,500

$11,000

$11,500

$12,000

$12,500

$13,000

$13,500

$14,000

$14,500

$15,000

3Q '14

4Q '14

1Q'15

2Q '15

3Q '15

3Q'15

Proforma

Dollars in thousands, excludes security gains

Non Interest Income

Other

Deposit Fees

$17,172

$13,297

17

$19,000

Mortgage Banking and Servicing

Card/Interchange Fees

$6,122

$2,562

$7,000

$5,564

$4,901

$5,700

$3,584

$3,354

$3,800

$1,902

$2,480

$2,500

$0

$5,000

$10,000

$15,000

$20,000

$25,000

2013

2014

2015 Estimated

Dollars in thousands

Non Interest Expense and Efficiency Ratio

Non Interest Expense -

LHS

Efficiency Ratio –

RHS –

Annual for 2013 and 2014, quarterly for 2015

18

$56,737

$55,960

$50,724

$48,830

$49,140

80.2%

80.1%

70.1%

63.4%

63.5%

30.0%

40.0%

50.0%

60.0%

70.0%

80.0%

90.0%

$40,000

$50,000

$60,000

2013

2014

1Q '15

Annualized

2Q '15

Annualized

3Q '15

Annualized

Tangible Book Value

19

$3.47

$4.88

$5.12

$0.00

$1.00

$2.00

$3.00

$4.00

$5.00

$6.00

$7.00

2013

2014

3Q '15

Total shareholders’ equity less core deposit intangible divided by number of

shares outstanding

Tangible Common Equity/Tangible Assets

20

10.1%

13.1%

12.4%

0.0%

5.0%

10.0%

15.0%

2013

2014

3Q '15

Tangible common equity is total shareholders’ equity less core deposit intangible

Tangible assets includes total assets less core deposit intangible

Capital Management

•

Tangible common equity to total assets 12.4%

•

Share buybacks –

3.1 million shares repurchased in last

18 months

•

Dividends –

target 30% payout

•

Organic balance sheet growth

•

M&A capability

21

Expectations for 2015

•

12%+ Loan Growth

•

Robust Fee Income Growth

•

Improving Efficiency Ratio

•

Consistent Credit Performance

•

Process Improvement Initiatives

•

Talent Additions

22

Investor Relations Contact:

Troy Adair

330.742.0472

tadair@homesavings.com