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United Community Bank

Chatham, IL · Cert 19459 · United Community Bcorp Inc.

State charter, non-member · FDIC · 46 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

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 $1B-$10B in assets operating regionally (n=178). 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

63

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

7

Q2 2024Q2 2026peer median

Efficiency

69

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 2026-10-10

United Community Bank

Chatham, IL · Cert 19459 · United Community Bcorp Inc.

State charter, non-member · FDIC · 1 affiliate bank · 46 branches (48 in holding)

Q2 2026

$4.1BAssets
$2.7BLoans
$3.6BDeposits
$428.4MEquity
Loan mix
83%RE $1.9B15%C&I $0.4B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $2.9B19%Noninterest $0.7BQ2 2025Q2 2026

NIM

4.55%Q2 ’244.79%Q2 ’254.67%Q2 ’26+1%+0%

Non-interest income vs. expense

2.00%Q2 ’241.95%Q2 ’251.91%Q2 ’26-1%+2%

Market Position · Springfield, IL · 2026 SOD (annual) · 16.3% share · #2 of 26 inst. · $1.6B of $9.8B

17.0% Sangamon
20.9% Adams
5.4% Madison
38.7% Hancock

Executive Summary

  • Earnings: ROA of 1.32%, up 7 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.31% of loans (+16 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.17%, up 25 bps from a year ago.
  • Funding: loans stand at 74.45% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.32%+7 bps YoY

Net Interest Margin (YTD, annualized)

2.86%+1 bps YoY

Efficiency Ratio (YTD, annualized)

53.38%-33 bps YoY

Tier 1 Leverage Ratio

10.17%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.25%1.27%1.27%1.22%1.32%+7 bps
Return on Equity13.34%13.31%13.27%12.37%13.12%-22 bps
Net Interest Margin2.85%2.82%2.80%2.77%2.86%+1 bps
Efficiency Ratio53.71%54.57%53.88%56.47%53.38%-33 bps
Non-Interest Burden1.18%1.21%1.17%1.27%1.20%+2 bps
Growth
Asset Growth (YoY)8.87%8.84%5.94%6.55%6.40%-247 bps
Loan Growth (YoY)12.54%10.92%7.06%5.17%8.22%-432 bps
Deposit Growth (YoY)7.52%7.39%4.28%6.46%9.63%+211 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.21%0.18%0.23%0.31%+16 bps
Net Charge-Offs / Loans0.01%0.02%0.02%0.02%0.01%0 bps
Allowance / Loans1.32%1.29%1.31%1.30%1.26%-6 bps
Allowance Coverage of NPLs8.7x6.1x7.3x5.6x4.1x-4.6x
Capital
Tier 1 Leverage Ratio9.92%10.06%9.85%9.96%10.17%+25 bps
Total Risk-Based Capital14.50%14.74%14.59%15.04%14.87%+37 bps
Equity / Assets9.77%10.06%9.85%9.86%10.37%+60 bps
Liquidity & Funding
Loans / Deposits75.42%76.76%75.80%72.98%74.45%-97 bps
Liquid Assets / Assets16.41%15.60%17.25%19.38%16.41%0 bps
CRE / Total Capitaln/a318%322%311%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 2026-10-10

United Community Bank

Chatham, IL · Cert 19459 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · United Community Bcorp Inc.

State charter, non-member · FDIC · 1 affiliate bank · 46 branches (48 in holding)

Q2 2026

$4.1BAssets
$2.7BLoans
$3.6BDeposits
$428.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 72% of banks $1B-$10B in assets operating regionally (rank 50 of 178).
  • Widest gap: net interest margin trails 89% of banks $1B-$10B in assets operating regionally (rank 159 of 178).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.31%

Rank 80 of 178

Net Interest Margin

2.86%

Rank 159 of 178

Efficiency Ratio

53.72%

Rank 56 of 178

Equity / Assets

10.37%

Rank 87 of 178

Non-interest income vs. expense

$29.6M$79.8MINCOMEEXPENSE
Unfavorable gap of $50.2M · efficiency ratio beats 69% of banks $1B-$10B in assets operating regionally
Bank 53.72%Peer median 58.9%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.31%0.91%1.25%1.53%Beats 55%80 / 178
Return on Equity12.67%9.18%11.89%14.44%Beats 57%77 / 178
Net Interest Margin2.86%3.22%3.56%3.91%Beats 11%159 / 178
Efficiency Ratio53.72%52.04%58.90%67.10%Beats 69%56 / 178
Asset Quality
Nonperforming Loans / Loans0.31%0.29%0.60%1.26%Beats 72%50 / 178
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 69%56 / 178
Capital
Tier 1 Capital Ratio13.70%11.19%12.72%14.14%Beats 68%57 / 178
Total Risk-Based Capital Ratio14.87%11.91%13.63%15.33%Beats 69%55 / 178
Equity / Assets10.37%9.12%10.35%11.80%Beats 51%87 / 178
Liquidity & Funding
Loans / Deposits74.45%80.94%89.92%97.12%11th pctl158 / 178
Loans / Assets64.70%69.25%75.52%80.96%13th pctl155 / 178
Brokered Deposits / Depositsn/aNot reported for this institution