United Bankers' Bank

Richfield, MN · Cert 22180 · United Bankers Bcorp Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$1.1BAssets

$780.0MLoans

$635.6MDeposits

$147.0MEquity

Loan mix

Deposit mix

NIM

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.3% share · #28 of 125 inst. · $0.6B of $253.2B

Earnings: ROA of 1.28%, up 72 bps year over year; NIM at 3.23%.
Asset quality: problem loans at 0.76% of loans (+33 bps YoY), with net charge-offs at 0.02%.

Return on Assets (YTD, annualized)

1.28%+72 bps YoY

Net Interest Margin (YTD, annualized)

3.23%+66 bps YoY

Efficiency Ratio (YTD, annualized)

71.33%-735 bps YoY

Tier 1 Leverage Ratio

14.46%+85 bps YoY

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.55%	0.56%	0.58%	0.91%	1.28%	+72 bps
Return on Equity	5.03%	4.99%	5.16%	7.53%	10.10%	+507 bps
Net Interest Margin	2.57%	2.57%	2.67%	3.07%	3.23%	+66 bps
Efficiency Ratio	78.68%	77.62%	76.66%	68.61%	71.33%	-735 bps
Non-Interest Burden	1.61%	1.59%	1.62%	1.52%	1.73%	+13 bps
Growth
Asset Growth (YoY)	1.17%	1.80%	4.50%	-16.73%	-6.78%	-795 bps
Loan Growth (YoY)	3.74%	11.25%	10.55%	7.80%	0.58%	-316 bps
Deposit Growth (YoY)	-1.82%	-6.50%	-1.39%	0.55%	3.23%	+505 bps
Asset Quality
Nonperforming Loans / Loans	0.43%	0.46%	0.29%	0.29%	0.76%	+33 bps
Net Charge-Offs / Loans	0.00%	0.05%	0.14%	0.00%	0.02%	+2 bps
Allowance / Loans	1.64%	1.65%	1.68%	1.72%	1.72%	+8 bps
Allowance Coverage of NPLs	3.8x	3.6x	5.8x	6.0x	2.3x	-1.5x
Capital
Tier 1 Leverage Ratio	13.61%	13.23%	13.27%	13.66%	14.46%	+85 bps
Total Risk-Based Capital	17.23%	17.11%	17.36%	17.86%	18.37%	+114 bps
Equity / Assets	12.03%	12.12%	10.76%	13.60%	13.99%	+196 bps
Liquidity & Funding
Loans / Deposits	125.96%	130.53%	119.75%	121.60%	122.72%	-323 bps
Liquid Assets / Assets	17.13%	17.22%	26.83%	11.06%	11.14%	-599 bps
CRE / Total Capital	n/a	325%	324%	321%	n/a	n/a