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Union County Savings Bank

Elizabeth, NJ · Cert 12013

SI · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=36). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

55

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

0

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

No peer data yet

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Union County Savings Bank

Elizabeth, NJ · Cert 12013

SI · FDIC · 4 branches

Q2 2026

$1.5BAssets
$308.6MLoans
$1.3BDeposits
$-23485KEquity
Loan mix
96%RE $288.0M4%C&I $10.7M0%Consumer $0.8MQ3 2024Q2 2026
Deposit mix
96%Interest-bearing $1.3B4%Noninterest $0.1BQ3 2024Q2 2026

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #68 of 151 inst. · $1.3B of $2921.1B

Executive Summary

  • Earnings: ROA of -1.45%, up 8 bps year over year; NIM at -0.32%.
  • Asset quality: problem loans at 0.91% of loans (+36 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.77%, down 85 bps from a year ago.
  • Funding: loans stand at 22.86% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

-1.45%+8 bps YoY

Net Interest Margin (YTD, annualized)

-0.32%+11 bps YoY

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

7.77%-85 bps YoY

NIM

2.91%Q2 ’242.97%Q2 ’252.71%Q2 ’26+30%+25%

Non-interest income vs. expense

0.92%Q2 ’240.94%Q2 ’250.87%Q2 ’26+1%-7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.90%-1.85%-1.60%-1.53%-1.47%-1.43%-1.37%-1.45%+8 bps
Return on Equity99.12%84.04%61.99%66.46%77.78%88.99%170.04%136.18%+6,972 bps
Net Interest Margin-0.65%-0.63%-0.46%-0.43%-0.41%-0.40%-0.36%-0.32%+11 bps
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burden0.87%0.82%0.93%0.93%0.91%0.90%0.84%0.86%-7 bps
Growth
Asset Growth (YoY)19.37%13.45%9.04%3.92%-10.00%-7.09%-5.51%-2.40%-632 bps
Loan Growth (YoY)32.35%24.26%15.61%12.09%13.02%2.54%5.46%8.13%-396 bps
Deposit Growth (YoY)3.76%4.54%-1.63%-7.59%-10.56%-10.52%-7.18%-2.60%+499 bps
Asset Quality
Nonperforming Loans / Loans0.41%0.36%0.50%0.54%0.66%0.55%0.82%0.91%+36 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.66%0.64%0.65%0.65%0.65%0.66%0.65%0.65%0 bps
Allowance Coverage of NPLs1.6x1.8x1.3x1.2x1.0x1.2x0.8x0.7x-0.5x
Capital
Tier 1 Leverage Ratio9.44%8.70%8.52%8.63%8.54%8.32%8.10%7.77%-85 bps
Total Risk-Based Capital27.26%24.48%24.36%24.53%23.84%23.69%22.08%21.13%-341 bps
Equity / Assets-0.24%-3.24%-1.91%-1.68%-0.62%-0.47%-1.15%-1.59%+9 bps
Liquidity & Funding
Loans / Deposits16.95%18.07%19.71%20.60%21.41%20.70%22.39%22.86%+227 bps
Liquid Assets / Assets17.09%13.26%13.19%10.20%9.28%9.97%8.15%7.94%-225 bps
CRE / Total Capitaln/an/an/an/a69.04%67.79%83.83%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Union County Savings Bank

Elizabeth, NJ · Cert 12013 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=36)

SI · FDIC · 4 branches

Q2 2026

$1.5BAssets
$308.6MLoans
$1.3BDeposits
$-23485KEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 11 of 36).
  • Widest gap: equity / assets trails 100% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 36 of 36).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

-1.46%

Rank 36 of 36

Net Interest Margin

-0.32%

Rank 36 of 36

Equity / Assets

-1.59%

Rank 36 of 36

Non-interest income vs. expense

$0.2M$14.6MINCOMEEXPENSE
Unfavorable gap of $14.5M
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-1.46%0.65%1.00%1.72%Beats 0%36 / 36
Return on Equityn/aNot reported for this institution
Net Interest Margin-0.32%2.66%3.13%3.63%Beats 0%36 / 36
Efficiency Ration/aNot reported for this institution
Asset Quality
Nonperforming Loans / Loans0.91%0.46%0.84%1.59%Beats 47%20 / 36
Net Charge-Offs / Loans0.00%n/a0.03%0.14%Beats 100%11 / 36
Capital
Tier 1 Capital Ratio20.79%13.13%14.78%18.34%Beats 83%6 / 36
Total Risk-Based Capital Ratio21.13%13.73%15.96%19.27%Beats 83%6 / 36
Equity / Assets-1.59%9.80%11.58%14.82%Beats 0%36 / 36
Liquidity & Funding
Loans / Deposits22.86%81.12%95.13%103.24%6th pctl34 / 36
Loans / Assets20.87%67.44%76.31%84.79%8th pctl33 / 36
Brokered Deposits / Depositsn/aNot reported for this institution