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United Orient Bank

New York, NY · Cert 23373

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

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 in the New York-Newark-Jersey City, NY-NJ area (n=30 to 31). 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

19

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

United Orient Bank

New York, NY · Cert 23373

State charter, non-member · FDIC · 2 branches

Q2 2026

$101.4MAssets
$85.2MLoans
$69.3MDeposits
$13.1MEquity
Loan mix
93%RE $77.7M7%C&I $5.6M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $52.4M24%Noninterest $16.9MQ2 2025Q2 2026

NIM

6.31%Q2 ’246.16%Q2 ’256.09%Q2 ’26-6%+0%

Non-interest income vs. expense

4.84%Q2 ’244.53%Q2 ’254.50%Q2 ’26-6%-1%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #133 of 151 inst. · $0.1B of $2921.1B

Executive Summary

  • Earnings: ROA of -0.12%, up 2 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 0.80% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.53%, down 41 bps from a year ago.
  • Funding: loans stand at 123.04% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.12%+2 bps YoY

Net Interest Margin (YTD, annualized)

4.19%0 bps YoY

Efficiency Ratio (YTD, annualized)

102.67%-59 bps YoY

Tier 1 Leverage Ratio

12.53%-41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.14%-0.16%-0.17%-0.13%-0.12%+2 bps
Return on Equity-1.09%-1.18%-1.29%-1.04%-0.95%+14 bps
Net Interest Margin4.19%4.22%4.20%4.24%4.19%0 bps
Efficiency Ratio103.25%103.44%103.89%103.53%102.67%-59 bps
Non-Interest Burden4.33%4.37%4.37%4.39%4.31%-2 bps
Growth
Asset Growth (YoY)8.15%8.74%4.49%1.81%-0.42%-857 bps
Loan Growth (YoY)0.63%5.53%7.68%5.59%9.34%+871 bps
Deposit Growth (YoY)20.18%15.11%8.53%4.21%1.04%-1,915 bps
Asset Quality
Nonperforming Loans / Loans0.81%0.79%0.85%0.83%0.80%-1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.39%1.36%1.31%1.30%1.27%-12 bps
Allowance Coverage of NPLs1.7x1.7x1.5x1.6x1.6x-0.1x
Capital
Tier 1 Leverage Ratio12.95%13.08%12.97%12.81%12.53%-41 bps
Total Risk-Based Capital12.95%13.08%12.97%12.81%12.53%-41 bps
Equity / Assets12.95%13.17%13.03%12.60%12.88%-7 bps
Liquidity & Funding
Loans / Deposits113.70%118.93%121.24%116.44%123.04%+934 bps
Liquid Assets / Assets13.56%10.62%8.27%10.84%6.10%-746 bps
CRE / Total Capitaln/a439%445%451%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

United Orient Bank

New York, NY · Cert 23373 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31)

State charter, non-member · FDIC · 2 branches

Q2 2026

$101.4MAssets
$85.2MLoans
$69.3MDeposits
$13.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 17 of 30).
  • Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 28 of 31).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-0.12%

Rank 26 of 31

Net Interest Margin

4.19%

Rank 6 of 31

Efficiency Ratio

102.67%

Rank 26 of 31

Equity / Assets

12.88%

Rank 18 of 31

Non-interest income vs. expense

$0.2M$4.7MINCOMEEXPENSE
Unfavorable gap of $4.5M · efficiency ratio beats 19% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 102.67%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.12%-0.02%0.39%0.84%Beats 16%26 / 31
Return on Equity-0.95%-0.19%2.57%5.72%Beats 16%26 / 31
Net Interest Margin4.19%2.51%3.30%3.85%Beats 81%6 / 31
Efficiency Ratio102.67%68.41%83.66%91.76%Beats 19%26 / 31
Asset Quality
Nonperforming Loans / Loans0.80%0.18%0.47%2.65%Beats 37%20 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 30
Capital
Tier 1 Capital Ratio12.53%13.24%15.54%26.77%Beats 16%26 / 31
Total Risk-Based Capital Ratio12.53%14.07%16.32%26.77%Beats 10%28 / 31
Equity / Assets12.88%10.38%13.26%17.83%Beats 42%18 / 31
Liquidity & Funding
Loans / Deposits123.04%84.03%94.98%103.65%97th pctl1 / 31
Loans / Assets84.06%61.61%75.31%83.78%81st pctl6 / 31
Brokered Deposits / Depositsn/aNot reported for this institution