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Union Bank & Trust Company

Monticello, AR · Cert 1753 · First Union Financial Corp.

State charter, Fed member · FED · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

14

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

70

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 Bank & Trust Company

Monticello, AR · Cert 1753 · First Union Financial Corp.

State charter, Fed member · FED · 5 branches

Q2 2026

$355.8MAssets
$280.3MLoans
$320.8MDeposits
$30.9MEquity
Loan mix
72%RE $189.8M22%C&I $58.2M6%Consumer $16.2MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $270.7M16%Noninterest $50.1MQ2 2025Q2 2026

NIM

5.34%Q2 ’245.72%Q2 ’255.74%Q2 ’26+12%+2%

Non-interest income vs. expense

2.72%Q2 ’242.71%Q2 ’252.57%Q2 ’26-3%-3%

Executive Summary

  • Earnings: ROA of 1.23%, up 4 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 1.11% of loans (-38 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 10.19%, down 22 bps from a year ago.
  • Funding: loans stand at 87.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.23%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.84%+8 bps YoY

Efficiency Ratio (YTD, annualized)

57.49%-333 bps YoY

Tier 1 Leverage Ratio

10.19%-22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.23%1.19%1.26%1.23%+4 bps
Return on Equity14.35%14.67%14.07%14.04%13.88%-47 bps
Net Interest Margin3.75%3.74%3.75%3.95%3.84%+8 bps
Efficiency Ratio60.82%59.99%59.43%57.35%57.49%-333 bps
Non-Interest Burden2.01%1.96%1.95%1.99%1.94%-7 bps
Growth
Asset Growth (YoY)3.62%5.46%8.16%4.53%9.72%+610 bps
Loan Growth (YoY)5.43%6.28%10.06%7.31%9.34%+391 bps
Deposit Growth (YoY)7.60%7.54%7.56%3.85%9.26%+167 bps
Asset Quality
Nonperforming Loans / Loans1.49%1.59%1.16%1.19%1.11%-38 bps
Net Charge-Offs / Loans0.09%0.07%0.24%0.05%0.10%+1 bps
Allowance / Loans1.69%1.74%1.65%1.77%1.77%+8 bps
Allowance Coverage of NPLs1.1x1.1x1.4x1.5x1.6x+0.5x
Capital
Tier 1 Leverage Ratio10.41%10.27%10.31%10.63%10.19%-22 bps
Total Risk-Based Capital10.41%10.27%10.31%10.63%10.19%-22 bps
Equity / Assets8.22%8.56%8.73%9.23%8.68%+45 bps
Liquidity & Funding
Loans / Deposits87.30%87.29%86.94%90.20%87.36%+6 bps
Liquid Assets / Assets1.61%2.08%2.99%0.75%4.57%+295 bps
CRE / Total Capitaln/a292%311%305%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 Bank & Trust Company

Monticello, AR · Cert 1753 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Union Financial Corp.

State charter, Fed member · FED · 5 branches

Q2 2026

$355.8MAssets
$280.3MLoans
$320.8MDeposits
$30.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 75% of banks under $1B in assets operating in a single state (rank 185 of 746).
  • Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets operating in a single state (rank 673 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.19%

Rank 305 of 746

Net Interest Margin

3.84%

Rank 313 of 746

Efficiency Ratio

57.49%

Rank 228 of 746

Equity / Assets

8.68%

Rank 585 of 746

Non-interest income vs. expense

$2.2M$9.0MINCOMEEXPENSE
Unfavorable gap of $6.8M · efficiency ratio beats 70% of banks under $1B in assets operating in a single state
Bank 57.49%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.19%0.72%1.06%1.45%Beats 59%305 / 746
Return on Equity13.67%6.74%10.51%13.63%Beats 75%185 / 746
Net Interest Margin3.84%3.17%3.68%4.16%Beats 58%313 / 746
Efficiency Ratio57.49%55.74%64.58%75.47%Beats 70%228 / 746
Asset Quality
Nonperforming Loans / Loans1.11%0.09%0.42%1.07%Beats 24%565 / 743
Net Charge-Offs / Loans0.05%0.00%0.01%0.05%Beats 24%565 / 743
Capital
Tier 1 Capital Ratio10.19%11.55%13.75%17.60%Beats 11%667 / 746
Total Risk-Based Capital Ratio10.19%11.71%14.33%18.43%Beats 10%673 / 746
Equity / Assets8.68%8.90%10.51%13.06%Beats 22%585 / 746
Liquidity & Funding
Loans / Deposits87.36%61.31%78.27%90.78%69th pctl232 / 746
Loans / Assets78.78%53.60%66.97%76.08%82nd pctl134 / 746
Brokered Deposits / Depositsn/aNot reported for this institution