United Savings Bank

Philadelphia, PA · Cert 28836

SI · FDIC · 6 branches

Q2 2026

$460.6MAssets

$174.1MLoans

$332.1MDeposits

$84.0MEquity

Loan mix

Deposit mix

NIM

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #44 of 88 inst. · $0.3B of $685.1B

0.3% Philadelphia

0.7% Delaware

Earnings: ROA of 0.84%, down 5 bps year over year; NIM at 2.66%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.

Return on Assets (YTD, annualized)

0.84%-5 bps YoY

Net Interest Margin (YTD, annualized)

2.66%-9 bps YoY

Efficiency Ratio (YTD, annualized)

63.67%+156 bps YoY

Tier 1 Leverage Ratio

17.44%+6 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	0.89%	0.91%	0.91%	0.74%	0.84%	-5 bps
Return on Equity	4.96%	5.05%	5.07%	4.09%	4.59%	-37 bps
Net Interest Margin	2.75%	2.70%	2.71%	2.59%	2.66%	-9 bps
Efficiency Ratio	62.11%	61.34%	61.29%	66.79%	63.67%	+156 bps
Non-Interest Burden	1.62%	1.57%	1.57%	1.65%	1.61%	-1 bps
Growth
Asset Growth (YoY)	0.79%	2.61%	3.11%	4.99%	2.91%	+212 bps
Loan Growth (YoY)	2.97%	3.33%	-0.78%	1.29%	5.37%	+240 bps
Deposit Growth (YoY)	0.30%	2.86%	2.26%	5.55%	2.01%	+172 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Allowance / Loans	0.80%	0.79%	0.79%	0.78%	0.76%	-4 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	17.38%	17.19%	17.36%	17.51%	17.44%	+6 bps
Total Risk-Based Capital	17.38%	17.19%	17.36%	17.51%	17.44%	+6 bps
Equity / Assets	17.87%	17.96%	18.31%	18.01%	18.23%	+37 bps
Liquidity & Funding
Loans / Deposits	50.74%	50.67%	51.25%	50.34%	52.41%	+167 bps
Liquid Assets / Assets	54.39%	54.40%	53.40%	54.33%	53.31%	-107 bps
CRE / Total Capital	n/a	79.97%	80.48%	81.94%	n/a	n/a