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Union Bank

Mena, AR · Cert 14597 · Union Bankshares Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 under $1B in assets operating in a single state (n=751 to 755). 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

74

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

89

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

83

Q2 2024Q2 2026peer median (50)

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 Bank

Mena, AR · Cert 14597 · Union Bankshares Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

$710.2MAssets
$486.6MLoans
$625.9MDeposits
$79.9MEquity
Loan mix
85%RE $391.9M6%C&I $27.5M9%Consumer $42.1MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $443.6M29%Noninterest $182.3MQ2 2025Q2 2026

NIM

5.34%Q2 ’245.76%Q2 ’255.78%Q2 ’26+17%+5%

Non-interest income vs. expense

2.57%Q2 ’242.64%Q2 ’252.65%Q2 ’26+2%+2%

Executive Summary

  • Earnings: ROA of 1.91%, up 17 bps year over year; NIM at 4.43%.
  • Asset quality: problem loans at 0.26% of loans (-10 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 11.40%, up 2 bps from a year ago.
  • Funding: loans stand at 77.75% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.91%+17 bps YoY

Net Interest Margin (YTD, annualized)

4.43%+21 bps YoY

Efficiency Ratio (YTD, annualized)

51.27%-167 bps YoY

Tier 1 Leverage Ratio

11.40%+2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.74%1.77%1.78%1.85%1.91%+17 bps
Return on Equity16.49%16.51%16.53%17.09%17.40%+91 bps
Net Interest Margin4.22%4.32%4.27%4.50%4.43%+21 bps
Efficiency Ratio52.94%52.71%52.66%51.85%51.27%-167 bps
Non-Interest Burden1.85%1.89%1.86%1.96%1.88%+3 bps
Growth
Asset Growth (YoY)-0.15%4.08%4.26%6.78%9.00%+915 bps
Loan Growth (YoY)8.15%6.33%6.17%7.97%8.67%+52 bps
Deposit Growth (YoY)3.94%4.83%4.86%7.86%8.57%+463 bps
Asset Quality
Nonperforming Loans / Loans0.36%0.28%0.31%0.26%0.26%-10 bps
Net Charge-Offs / Loans0.09%0.08%0.08%0.09%0.06%-3 bps
Allowance / Loans1.52%1.52%1.53%1.52%1.52%0 bps
Allowance Coverage of NPLs4.2x5.5x4.9x5.9x5.9x+1.7x
Capital
Tier 1 Leverage Ratio11.38%11.72%10.89%11.36%11.40%+2 bps
Total Risk-Based Capital20.02%20.31%19.28%20.05%20.76%+74 bps
Equity / Assets10.87%11.27%10.88%10.78%11.25%+39 bps
Liquidity & Funding
Loans / Deposits77.67%77.41%77.93%75.62%77.75%+7 bps
Liquid Assets / Assets4.77%6.44%6.03%9.03%5.79%+101 bps
CRE / Total Capitaln/a134.04%143.12%142.56%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 Bank

Mena, AR · Cert 14597 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Union Bankshares Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

$710.2MAssets
$486.6MLoans
$625.9MDeposits
$79.9MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 91% of banks under $1B in assets operating in a single state (rank 68 of 755).
  • Widest gap: net charge-offs / loans trails 73% of banks under $1B in assets operating in a single state (rank 550 of 751).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.88%

Rank 68 of 755

Net Interest Margin

4.43%

Rank 113 of 755

Efficiency Ratio

51.27%

Rank 126 of 755

Equity / Assets

11.25%

Rank 309 of 755

Non-interest income vs. expense

$5.5M$18.9MINCOMEEXPENSE
Unfavorable gap of $13.4M · efficiency ratio beats 83% of banks under $1B in assets operating in a single state
Bank 51.27%Peer median 64.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.88%0.72%1.06%1.45%Beats 91%68 / 755
Return on Equity16.70%6.66%10.44%13.61%Beats 91%71 / 755
Net Interest Margin4.43%3.15%3.68%4.17%Beats 85%113 / 755
Efficiency Ratio51.27%55.75%64.78%75.61%Beats 83%126 / 755
Asset Quality
Nonperforming Loans / Loans0.26%0.09%0.42%1.05%Beats 61%295 / 751
Net Charge-Offs / Loans0.05%0.00%0.01%0.05%Beats 27%550 / 751
Capital
Tier 1 Capital Ratio19.50%11.56%13.81%17.74%Beats 81%146 / 755
Total Risk-Based Capital Ratio20.76%11.72%14.46%18.53%Beats 82%135 / 755
Equity / Assets11.25%8.93%10.56%13.13%Beats 59%309 / 755
Liquidity & Funding
Loans / Deposits77.75%62.43%78.62%91.00%49th pctl388 / 755
Loans / Assets68.51%54.70%67.27%76.55%53rd pctl357 / 755
Brokered Deposits / Depositsn/aNot reported for this institution