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Union Bank, Inc.

Middlebourne, WV · Cert 16620

FDIC · 8 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, 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 (n=495 to 541). 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

6

Q2 2024Q4 2025peer median (50)

Asset Quality

15

Q2 2024Q4 2025peer median (50)

Profitability

70

Q2 2024Q4 2025peer median (50)

Liquidity

0

Q2 2024Q4 2025peer median

Efficiency

93

Q2 2024Q4 2025peer 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, Inc.

Middlebourne, WV · Cert 16620

FDIC · 8 branches

Q4 2025

$415.1MAssets
$172.5MLoans
$376.7MDeposits
$34.8MEquity
Loan mix
89%RE $128.1M8%C&I $10.9M3%Consumer $4.6MQ1 2024Q4 2025
Deposit mix
85%Interest-bearing $318.7M15%Noninterest $58.0MQ1 2024Q4 2025

Executive Summary

  • Earnings: ROA of 1.44%, up 37 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 1.70% of loans (+119 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 9.03%, down 65 bps from a year ago.
  • Funding: loans stand at 45.79% of deposits as of Q4 2025.

Return on Assets (YTD, annualized)

1.44%+37 bps YoY

Net Interest Margin (YTD, annualized)

3.19%+45 bps YoY

Efficiency Ratio (YTD, annualized)

48.27%-683 bps YoY

Tier 1 Leverage Ratio

9.03%-65 bps YoY

NIM

3.67%Q4 ’233.87%Q4 ’244.27%Q4 ’25-5%+16%

Non-interest income vs. expense

1.79%Q4 ’231.70%Q4 ’241.72%Q4 ’25-1%-1%

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.91%0.99%0.99%1.06%1.31%1.38%1.41%1.44%+37 bps
Return on Equity13.01%13.98%13.83%14.82%18.37%18.31%17.97%18.05%+323 bps
Net Interest Margin2.74%2.83%2.82%2.74%3.11%3.14%3.31%3.19%+45 bps
Efficiency Ratio57.92%57.05%56.49%55.10%50.05%48.98%48.63%48.27%-683 bps
Non-Interest Burden1.39%1.40%1.38%1.30%1.32%1.31%1.35%1.29%-2 bps
Growth
Asset Growth (YoY)3.11%1.27%13.60%12.57%16.10%10.58%-2.29%1.41%-1,116 bps
Loan Growth (YoY)5.28%7.18%8.15%7.00%5.78%8.19%7.50%3.50%-350 bps
Deposit Growth (YoY)2.70%-0.02%10.55%12.78%15.94%9.42%-3.52%0.10%-1,267 bps
Asset Quality
Nonperforming Loans / Loans0.65%0.52%1.10%0.51%0.35%0.49%0.87%1.70%+119 bps
Net Charge-Offs / Loans0.79%0.41%0.33%0.27%0.11%0.06%0.05%0.06%-22 bps
Allowance / Loans0.80%0.83%0.83%0.82%0.81%0.80%0.84%0.89%+7 bps
Allowance Coverage of NPLs1.2x1.6x0.8x1.6x2.3x1.6x1.0x0.5x-1.1x
Capital
Tier 1 Leverage Ratio9.74%10.02%9.97%9.68%9.34%9.61%10.34%9.03%-65 bps
Total Risk-Based Capital9.74%10.02%9.97%9.68%9.34%9.61%10.34%9.03%-65 bps
Equity / Assets6.65%7.22%7.32%7.36%6.90%8.46%8.73%8.39%+103 bps
Liquidity & Funding
Loans / Deposits43.81%48.57%41.03%44.29%39.97%48.02%45.72%45.79%+150 bps
Liquid Assets / Assets11.18%4.55%10.95%12.58%9.56%6.51%10.55%11.29%-129 bps
CRE / Total Capitaln/an/an/an/an/an/a131.56%137.88%n/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, Inc.

Middlebourne, WV · Cert 16620 · Peer group: banks under $1B in assets (n=495-541)

FDIC · 8 branches

Q4 2025

$415.1MAssets
$172.5MLoans
$376.7MDeposits
$34.8MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets (rank 289 of 506).
  • Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets (rank 534 of 541).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.46%

Rank 118 of 541

Net Interest Margin

3.19%

Rank 330 of 541

Efficiency Ratio

48.27%

Rank 38 of 540

Equity / Assets

8.39%

Rank 447 of 541

Non-interest income vs. expense

$1.9M$7.4MINCOMEEXPENSE
Unfavorable gap of $5.5M · efficiency ratio beats 93% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.46%0.56%0.97%1.38%Beats 78%118 / 541n/a
Return on Equity17.37%5.68%9.28%12.43%Beats 92%41 / 541n/a
Net Interest Margin3.19%2.87%3.39%3.85%Beats 39%330 / 541n/a
Efficiency Ratio48.27%58.91%68.65%80.35%Beats 93%38 / 540n/a
Asset Quality
Nonperforming Loans / Loans1.70%0.07%0.34%1.07%Beats 15%423 / 495n/a
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.03%10.99%13.81%17.99%Beats 1%533 / 541n/a
Total Risk-Based Capital Ratio9.03%11.43%14.30%18.80%Beats 1%534 / 541n/a
Equity / Assets8.39%8.87%10.43%13.26%Beats 17%447 / 541n/a
Liquidity & Funding
Loans / Deposits45.79%65.07%79.29%92.66%7th pctl461 / 495n/a
Loans / Assets41.56%55.91%67.98%77.76%9th pctl452 / 495n/a
Brokered Deposits / Deposits0.00%n/an/a3.32%Beats 100%289 / 506n/a