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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 $11.2MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $579.4M19%Noninterest $134.8MQ3 2024Q2 2026

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 1.58%, up 35 bps year over year; NIM at 3.70%.
  • 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.

Return on Assets (quarter, annualized)

1.58%+35 bps YoY

Net Interest Margin (quarter, annualized)

3.70%+36 bps YoY

Efficiency Ratio (quarter, annualized)

48.78%-570 bps YoY

Tier 1 Leverage Ratio

11.51%+42 bps YoY

NIM

4.81%Q2 ’244.96%Q2 ’255.10%Q2 ’26+13%+11%

Non-interest income vs. expense

2.00%Q2 ’241.99%Q2 ’251.97%Q2 ’26-1%-2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.26%1.20%1.23%1.22%1.35%1.47%1.58%+35 bps
Return on Equity13.96%12.16%11.33%11.20%10.92%11.93%12.94%13.50%+230 bps
Net Interest Margin3.02%3.19%3.32%3.34%3.39%3.52%3.60%3.70%+36 bps
Efficiency Ratio52.86%55.93%54.78%54.48%55.52%51.61%50.00%48.78%-570 bps
Non-Interest Burden1.27%1.67%1.70%1.69%1.75%1.69%1.65%1.65%-4 bps
Growth
Asset Growth (YoY)3.83%1.68%-0.30%-0.56%-0.84%1.76%4.19%1.56%+212 bps
Loan Growth (YoY)6.02%5.17%0.58%0.34%-0.39%2.03%5.49%3.19%+286 bps
Deposit Growth (YoY)2.30%3.50%5.82%7.61%5.43%3.58%4.10%3.00%-461 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.18%1.19%1.28%1.26%1.28%1.26%1.30%1.31%+5 bps
Allowance Coverage of NPLs40.7x344.8xn/an/an/an/a377.4x384.0xn/a
Capital
Tier 1 Leverage Ratio10.49%10.65%10.88%11.09%11.22%11.27%11.23%11.51%+42 bps
Total Risk-Based Capital10.49%10.65%10.88%11.09%11.22%11.27%11.23%11.51%+42 bps
Equity / Assets10.35%10.35%10.91%11.05%11.33%11.29%11.49%11.92%+87 bps
Liquidity & Funding
Loans / Deposits102.33%96.51%89.80%93.94%96.68%95.06%91.00%94.12%+18 bps
Liquid Assets / Assets0.05%0.06%0.07%0.06%0.06%0.04%0.04%0.05%-1 bps
CRE / Total Capitaln/an/an/an/a117.80%118.93%111.53%n/an/a