PackageTrendsPeer
Letter portraitLegal landscape

Union Banking Company, The

West Mansfield, OH · Cert 15326 · Union Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

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 in OH (n=68 to 71). 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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

11

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 Banking Company, The

West Mansfield, OH · Cert 15326 · Union Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$54.5MAssets
$8.5MLoans
$45.4MDeposits
$1.3MEquity
Loan mix
98%RE $8.0M1%C&I $0.1M2%Consumer $0.1MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $37.4M18%Noninterest $8.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.19%, down 4 bps year over year; NIM at 1.67%.
  • Asset quality: problem loans at 0.67% of loans (-29 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.77%, down 44 bps from a year ago.
  • Funding: loans stand at 18.66% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.19%-4 bps YoY

Net Interest Margin (YTD, annualized)

1.67%+11 bps YoY

Efficiency Ratio (YTD, annualized)

87.03%+262 bps YoY

Tier 1 Leverage Ratio

10.77%-44 bps YoY

NIM

3.17%Q2 ’243.16%Q2 ’253.19%Q2 ’26-7%+7%

Non-interest income vs. expense

1.35%Q2 ’241.42%Q2 ’251.55%Q2 ’26+5%+11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.25%0.24%0.23%0.18%0.15%0.09%0.19%-4 bps
Return on Equity31.78%35.02%702%249%28.39%14.63%4.00%8.25%-24,090 bps
Net Interest Margin1.66%1.65%1.58%1.56%1.56%1.55%1.64%1.67%+11 bps
Efficiency Ratio78.73%82.81%83.68%84.41%87.50%89.47%94.07%87.03%+262 bps
Non-Interest Burden1.28%1.35%1.30%1.30%1.35%1.37%1.54%1.44%+14 bps
Growth
Asset Growth (YoY)0.49%-6.34%-4.93%-4.12%-2.46%2.58%3.53%8.45%+1,258 bps
Loan Growth (YoY)-3.39%0.13%-2.47%-16.67%-11.40%-0.42%18.86%38.70%+5,537 bps
Deposit Growth (YoY)-1.99%-1.69%-1.92%-2.90%-2.29%-0.66%3.26%8.07%+1,097 bps
Asset Quality
Nonperforming Loans / Loans0.90%0.86%0.86%0.97%0.95%0.81%1.74%0.67%-29 bps
Net Charge-Offs / Loans0.02%-0.01%-0.06%-0.10%-0.07%-0.04%0.00%0.00%+10 bps
Allowance / Loans1.07%1.06%1.10%1.29%1.29%1.12%0.94%0.99%-30 bps
Allowance Coverage of NPLs1.2x1.2x1.3x1.3x1.4x1.4x0.5x1.5x+0.1x
Capital
Tier 1 Leverage Ratio11.00%11.11%11.37%11.20%11.32%11.16%11.12%10.77%-44 bps
Total Risk-Based Capital36.49%36.41%36.44%38.70%37.75%37.68%34.40%34.34%-437 bps
Equity / Assets2.84%-0.39%0.45%0.21%2.29%2.68%1.82%2.38%+217 bps
Liquidity & Funding
Loans / Deposits16.13%16.74%16.12%14.54%14.62%16.78%18.56%18.66%+412 bps
Liquid Assets / Assets0.86%0.89%0.89%0.92%0.91%0.80%0.78%0.77%-15 bps
CRE / Total Capitaln/an/an/an/a9.01%14.10%18.80%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 Banking Company, The

West Mansfield, OH · Cert 15326 · Peer group: banks under $1B in assets in OH (n=68-71) · Union Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$54.5MAssets
$8.5MLoans
$45.4MDeposits
$1.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 68).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in OH (rank 71 of 71).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.18%

Rank 67 of 71

Net Interest Margin

1.67%

Rank 71 of 71

Efficiency Ratio

87.03%

Rank 64 of 71

Equity / Assets

2.38%

Rank 71 of 71

Non-interest income vs. expense

$68K$926KINCOMEEXPENSE
Unfavorable gap of $858K · efficiency ratio beats 11% of banks under $1B in assets in OH
Bank 87.03%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.18%0.62%1.02%1.39%Beats 6%67 / 71
Return on Equity7.73%5.62%10.07%13.60%Beats 39%43 / 71
Net Interest Margin1.67%2.93%3.56%4.07%Beats 0%71 / 71
Efficiency Ratio87.03%55.94%70.77%78.80%Beats 11%64 / 71
Asset Quality
Nonperforming Loans / Loans0.67%0.08%0.27%0.97%Beats 38%43 / 68
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%26 / 68
Capital
Tier 1 Capital Ratio33.90%11.18%13.77%20.34%Beats 92%6 / 71
Total Risk-Based Capital Ratio34.34%12.08%14.34%21.24%Beats 93%5 / 71
Equity / Assets2.38%8.41%10.74%13.32%Beats 0%71 / 71
Liquidity & Funding
Loans / Deposits18.66%64.48%76.81%87.49%0th pctl68 / 68
Loans / Assets15.54%55.33%65.58%72.51%4th pctl68 / 71
Brokered Deposits / Depositsn/aNot reported for this institution