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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=743 to 746). 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

75

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

89

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

84

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=743-746) · 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 92% of banks under $1B in assets operating in a single state (rank 63 of 746).
  • Widest gap: net charge-offs / loans trails 74% of banks under $1B in assets operating in a single state (rank 552 of 743).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.88%

Rank 63 of 746

Net Interest Margin

4.43%

Rank 112 of 746

Efficiency Ratio

51.27%

Rank 124 of 746

Equity / Assets

11.25%

Rank 299 of 746

Non-interest income vs. expense

$5.5M$18.9MINCOMEEXPENSE
Unfavorable gap of $13.4M · efficiency ratio beats 84% of banks under $1B in assets operating in a single state
Bank 51.27%Peer median 64.6%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 92%63 / 746
Return on Equity16.70%6.74%10.51%13.63%Beats 91%70 / 746
Net Interest Margin4.43%3.17%3.68%4.16%Beats 85%112 / 746
Efficiency Ratio51.27%55.74%64.58%75.47%Beats 84%124 / 746
Asset Quality
Nonperforming Loans / Loans0.26%0.09%0.42%1.07%Beats 62%284 / 743
Net Charge-Offs / Loans0.05%0.00%0.01%0.05%Beats 26%552 / 743
Capital
Tier 1 Capital Ratio19.50%11.55%13.75%17.60%Beats 81%139 / 746
Total Risk-Based Capital Ratio20.76%11.71%14.33%18.43%Beats 83%130 / 746
Equity / Assets11.25%8.90%10.51%13.06%Beats 60%299 / 746
Liquidity & Funding
Loans / Deposits77.75%61.31%78.27%90.78%49th pctl378 / 746
Loans / Assets68.51%53.60%66.97%76.08%53rd pctl347 / 746
Brokered Deposits / Depositsn/aNot reported for this institution