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United Bank & Trust

Marysville, KS · Cert 17477 · Ubt Bancshares Inc.

State charter, Fed member · FED · 16 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 KS3

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 KS (n=98). 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

32

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

82

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

United Bank & Trust

Marysville, KS · Cert 17477 · Ubt Bancshares Inc.

State charter, Fed member · FED · 16 branches

Q2 2026

$892.9MAssets
$672.2MLoans
$714.1MDeposits
$106.5MEquity
Loan mix
85%RE $430.2M13%C&I $67.3M2%Consumer $11.2MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $579.4M19%Noninterest $134.8MQ2 2025Q2 2026

NIM

4.72%Q2 ’244.94%Q2 ’255.07%Q2 ’26+13%+10%

Non-interest income vs. expense

1.97%Q2 ’241.99%Q2 ’251.96%Q2 ’26+0%-3%

Market Position · Manhattan, KS · 2026 SOD (annual) · 0.6% share · #20 of 22 inst. · $0.0B of $4.5B

20.9% Nemaha
18.0% Marshall
29.5% Washington
26.7% Cloud

Executive Summary

  • Earnings: ROA of 1.53%, up 32 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.51%, up 42 bps from a year ago.
  • Funding: loans stand at 94.12% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.53%+32 bps YoY

Net Interest Margin (YTD, annualized)

3.66%+32 bps YoY

Efficiency Ratio (YTD, annualized)

49.38%-525 bps YoY

Tier 1 Leverage Ratio

11.51%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%1.22%1.25%1.47%1.53%+32 bps
Return on Equity11.27%11.15%11.35%12.94%13.22%+195 bps
Net Interest Margin3.34%3.35%3.37%3.60%3.66%+32 bps
Efficiency Ratio54.63%54.93%54.07%50.00%49.38%-525 bps
Non-Interest Burden1.70%1.72%1.70%1.65%1.66%-4 bps
Growth
Asset Growth (YoY)-0.56%-0.84%1.76%4.19%1.56%+212 bps
Loan Growth (YoY)0.34%-0.39%2.03%5.49%3.19%+286 bps
Deposit Growth (YoY)7.61%5.43%3.58%4.10%3.00%-461 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.26%1.28%1.26%1.30%1.31%+5 bps
Allowance Coverage of NPLsn/an/an/a377.4x384.0xn/a
Capital
Tier 1 Leverage Ratio11.09%11.22%11.27%11.23%11.51%+42 bps
Total Risk-Based Capital11.09%11.22%11.27%11.23%11.51%+42 bps
Equity / Assets11.05%11.33%11.29%11.49%11.92%+87 bps
Liquidity & Funding
Loans / Deposits93.94%96.68%95.06%91.00%94.12%+18 bps
Liquid Assets / Assets0.06%0.06%0.04%0.04%0.05%-1 bps
CRE / Total Capitaln/a117.80%118.93%111.53%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

United Bank & Trust

Marysville, KS · Cert 17477 · Peer group: banks under $1B in assets in KS (n=98) · Ubt Bancshares Inc.

State charter, Fed member · FED · 16 branches

Q2 2026

$892.9MAssets
$672.2MLoans
$714.1MDeposits
$106.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 83% of banks under $1B in assets in KS (rank 18 of 98).
  • Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets in KS (rank 80 of 98).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.54%

Rank 24 of 98

Net Interest Margin

3.66%

Rank 43 of 98

Efficiency Ratio

49.87%

Rank 19 of 98

Equity / Assets

11.92%

Rank 39 of 98

Non-interest income vs. expense

$2.8M$17.8MINCOMEEXPENSE
Unfavorable gap of $15.0M · efficiency ratio beats 82% of banks under $1B in assets in KS
Bank 49.87%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.54%1.03%1.24%1.54%Beats 76%24 / 98
Return on Equity12.94%8.85%11.58%14.73%Beats 65%34 / 98
Net Interest Margin3.66%3.24%3.62%3.91%Beats 56%43 / 98
Efficiency Ratio49.87%51.87%58.88%64.74%Beats 82%19 / 98
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.33%1.05%Beats 83%18 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 63%38 / 98
Capital
Tier 1 Capital Ratio11.51%11.81%13.71%17.33%Beats 18%80 / 98
Total Risk-Based Capital Ratio11.51%11.81%14.13%17.45%Beats 18%80 / 98
Equity / Assets11.92%8.60%11.34%13.10%Beats 60%39 / 98
Liquidity & Funding
Loans / Deposits94.12%57.09%69.84%82.47%95th pctl5 / 98
Loans / Assets75.28%49.34%58.31%68.94%89th pctl11 / 98
Brokered Deposits / Depositsn/aNot reported for this institution