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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