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Oneunited Bank

Boston, MA · Cert 23966

State charter, non-member · FDIC · 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 in the Los Angeles-Long Beach-Anaheim, CA 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 Los Angeles-Long Beach-Anaheim, CA area (n=27 to 28). 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

7

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

3

Q2 2024Q2 2026peer median (50)

Liquidity

22

Q2 2024Q2 2026peer median

Efficiency

11

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

Oneunited Bank

Boston, MA · Cert 23966

State charter, non-member · FDIC · 5 branches

Q2 2026

$637.9MAssets
$409.4MLoans
$511.7MDeposits
$59.2MEquity
Loan mix
100%RE $404.0M0%C&I $0.0M0%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $445.3M13%Noninterest $66.4MQ2 2025Q2 2026

NIM

3.88%Q2 ’243.86%Q2 ’253.93%Q2 ’26-11%-9%

Non-interest income vs. expense

4.66%Q2 ’244.80%Q2 ’254.24%Q2 ’26+1%+1%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #59 of 107 inst. · $0.5B of $667.8B

0.1% Los Angeles
0.0% Miami-Dade
0.0% Suffolk

Executive Summary

  • Earnings: ROA of -0.80%, down 101 bps year over year; NIM at 2.20%.
  • Asset quality: problem loans at 0.42% of loans (+39 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.43%, down 65 bps from a year ago.
  • Funding: loans stand at 80.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.80%-101 bps YoY

Net Interest Margin (YTD, annualized)

2.20%-22 bps YoY

Efficiency Ratio (YTD, annualized)

107.54%+661 bps YoY

Tier 1 Leverage Ratio

10.43%-65 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%10.35%10.21%1-1.04%-0.80%-101 bps
Return on Equity2.25%3.79%2.31%-11.56%-8.88%-1,113 bps
Net Interest Margin2.42%2.37%2.30%2.32%2.20%-22 bps
Efficiency Ratio100.93%101.60%99.92%104.04%107.54%+661 bps
Non-Interest Burden2.45%2.44%2.29%2.48%2.49%+3 bps
Growth
Asset Growth (YoY)-1.21%8.69%0.71%0.40%5.13%+634 bps
Loan Growth (YoY)-5.77%-2.81%-1.58%-1.52%0.21%+598 bps
Deposit Growth (YoY)1.15%4.63%0.88%-7.01%-1.10%-225 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.04%0.15%0.19%0.42%+39 bps
Net Charge-Offs / Loans0.02%0.02%0.02%-0.01%0.00%-2 bps
Allowance / Loans0.40%0.39%0.40%0.40%0.39%-1 bps
Allowance Coverage of NPLs10.9x10.0x2.7x2.1x0.9x-10.0x
Capital
Tier 1 Leverage Ratio11.08%11.17%10.90%10.83%10.43%-65 bps
Total Risk-Based Capital11.08%11.17%10.90%10.83%10.43%-65 bps
Equity / Assets9.83%10.02%8.23%9.88%9.29%-54 bps
Liquidity & Funding
Loans / Deposits78.96%77.13%77.99%84.10%80.00%+104 bps
Liquid Assets / Assets7.05%5.12%23.01%4.77%4.42%-264 bps
CRE / Total Capitaln/a577%576%596%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. 1 One-time gains made up most of net income in the marked periods.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Oneunited Bank

Boston, MA · Cert 23966 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)

State charter, non-member · FDIC · 5 branches

Q2 2026

$637.9MAssets
$409.4MLoans
$511.7MDeposits
$59.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 41% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 17 of 27).
  • Widest gap: return on assets trails 100% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 28 of 28).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

-0.84%

Rank 28 of 28

Net Interest Margin

2.20%

Rank 27 of 28

Efficiency Ratio

107.54%

Rank 26 of 28

Equity / Assets

9.29%

Rank 26 of 28

Non-interest income vs. expense

$11.0M$26.7MINCOMEEXPENSE
Unfavorable gap of $15.7M · efficiency ratio beats 11% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 107.54%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.84%0.39%0.81%1.45%Beats 0%28 / 28
Return on Equity-9.10%2.58%5.09%9.10%Beats 4%27 / 28
Net Interest Margin2.20%3.22%3.68%4.12%Beats 4%27 / 28
Efficiency Ratio107.54%56.77%70.25%85.37%Beats 11%26 / 28
Asset Quality
Nonperforming Loans / Loans0.42%n/a0.26%1.61%Beats 41%17 / 27
Net Charge-Offs / Loans0.01%n/an/a0.02%Beats 33%19 / 27
Capital
Tier 1 Capital Ratio10.43%13.70%16.46%19.75%Beats 7%26 / 28
Total Risk-Based Capital Ratio10.43%14.96%17.60%20.63%Beats 7%26 / 28
Equity / Assets9.29%11.97%15.41%17.42%Beats 7%26 / 28
Liquidity & Funding
Loans / Deposits80.00%84.00%97.95%102.47%18th pctl23 / 28
Loans / Assets64.17%69.18%76.59%81.19%11th pctl25 / 28
Brokered Deposits / Depositsn/aNot reported for this institution