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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