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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

$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

5.48%Q2 ’245.76%Q2 ’255.88%Q2 ’26+10%+3%

Non-interest income vs. expense

2.72%Q2 ’242.74%Q2 ’252.62%Q2 ’26+1%-4%

Executive Summary

  • Earnings: ROA of 1.23%, up 8 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 1.11% of loans (-38 bps YoY), with net charge-offs at 0.15%.
  • 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 (quarter, annualized)

1.23%+8 bps YoY

Net Interest Margin (quarter, annualized)

3.89%+12 bps YoY

Efficiency Ratio (quarter, annualized)

57.62%-365 bps YoY

Tier 1 Leverage Ratio

10.19%-22 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.30%1.07%1.26%1.23%+8 bps
Return on Equity13.68%15.52%12.32%14.04%13.74%+5 bps
Net Interest Margin3.77%3.92%4.00%3.95%3.89%+12 bps
Efficiency Ratio61.27%58.45%57.87%57.35%57.62%-365 bps
Non-Interest Burden2.04%1.97%2.02%1.99%1.96%-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 / Loans0.12%0.04%0.77%0.05%0.15%+3 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