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Union Federal Savings and Loan Association

Kewanee, IL · Cert 27767

State savings bank · OCC · 6 branches

Q2 2026

$145.6MAssets
$111.2MLoans
$121.0MDeposits
$23.7MEquity
Loan mix
99%RE $112.4M1%C&I $1.4M0%Consumer $0.2MQ3 2024Q2 2026
Deposit mix
96%Interest-bearing $116.7M4%Noninterest $4.3MQ3 2024Q2 2026

Market Position · Davenport-Moline-Rock Island, IA-IL · 2026 SOD (annual) · 1.1% share · #19 of 29 inst. · $0.1B of $10.5B

4.9% Henry
0.9% Rock Island
0.0% Dane

Executive Summary

  • Earnings: ROA of 0.39%, up 16 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.51% of loans (+22 bps YoY), with net charge-offs at 0.67%.
  • Capital: tier 1 leverage ratio of 16.53%, up 51 bps from a year ago.
  • Funding: loans stand at 91.90% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.39%+16 bps YoY

Net Interest Margin (quarter, annualized)

3.10%+19 bps YoY

Efficiency Ratio (quarter, annualized)

87.49%-681 bps YoY

Tier 1 Leverage Ratio

16.53%+51 bps YoY

NIM

4.33%Q2 ’244.34%Q2 ’254.43%Q2 ’26+2%+7%

Non-interest income vs. expense

2.82%Q2 ’242.95%Q2 ’252.92%Q2 ’26+3%-3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.09%0.14%0.17%0.23%0.15%0.32%0.10%0.39%+16 bps
Return on Equity0.59%0.88%1.12%1.48%0.94%1.99%0.63%2.44%+96 bps
Net Interest Margin2.83%2.87%2.90%2.90%2.98%3.23%3.08%3.10%+19 bps
Efficiency Ratio96.25%94.98%94.58%94.30%90.53%84.92%93.81%87.49%-681 bps
Non-Interest Burden2.75%2.75%2.77%2.76%2.72%2.74%2.88%2.68%-8 bps
Growth
Asset Growth (YoY)-1.39%-0.54%-1.68%-3.50%-3.17%-3.43%-1.61%0.00%+351 bps
Loan Growth (YoY)4.10%3.07%1.54%-3.10%-5.48%-5.33%-8.92%-9.69%-659 bps
Deposit Growth (YoY)-2.24%-0.91%-2.33%-4.60%-4.05%-4.54%-2.29%-0.29%+430 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.04%0.02%0.29%0.30%0.36%0.64%0.51%+22 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.00%0.02%0.00%0.67%+68 bps
Allowance / Loans1.18%1.19%1.18%1.15%1.19%1.23%1.32%1.16%+1 bps
Allowance Coverage of NPLs13.4x33.4x54.6x4.0x4.0x3.5x2.1x2.3x-1.7x
Capital
Tier 1 Leverage Ratio15.60%15.72%15.88%16.02%16.26%16.52%16.63%16.53%+51 bps
Total Risk-Based Capital15.60%15.72%15.88%16.02%16.26%16.52%16.63%16.53%+51 bps
Equity / Assets15.43%15.36%15.62%16.01%16.12%16.25%16.13%16.28%+26 bps
Liquidity & Funding
Loans / Deposits101.97%100.28%100.55%101.46%100.44%99.46%93.72%91.90%-956 bps
Liquid Assets / Assets3.91%6.57%7.45%6.98%7.90%9.03%13.68%15.28%+829 bps
CRE / Total Capitaln/an/an/an/a203%197.44%177.64%n/an/a