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Union Savings Bank

Freeport, IL · Cert 29121 · Union Bancshares MHC

SI · FDIC · 4 branches

Q2 2026

$182.0MAssets
$116.1MLoans
$166.1MDeposits
$14.4MEquity
Loan mix
91%RE $104.4M7%C&I $8.5M1%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $146.0M12%Noninterest $20.1MQ2 2025Q2 2026

NIM

3.75%Q2 ’244.07%Q2 ’254.48%Q2 ’26+20%+21%

Non-interest income vs. expense

3.46%Q2 ’243.82%Q2 ’254.29%Q2 ’26+10%+13%

Market Position · Rockford, IL · 2026 SOD (annual) · 0.3% share · #19 of 21 inst. · $0.0B of $9.0B

6.5% Stephenson
2.5% Ogle
3.3% Boone

Executive Summary

  • Earnings: ROA of 0.31%, up 17 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.27% of loans (+3 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.52%, up 24 bps from a year ago.
  • Funding: loans stand at 69.91% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.31%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+60 bps YoY

Efficiency Ratio (YTD, annualized)

90.83%-466 bps YoY

Tier 1 Leverage Ratio

9.52%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.14%0.20%0.22%0.39%0.31%+17 bps
Return on Equity2.11%2.84%3.12%5.06%3.95%+184 bps
Net Interest Margin2.90%3.03%3.06%3.57%3.50%+60 bps
Efficiency Ratio95.49%93.73%93.04%90.07%90.83%-466 bps
Non-Interest Burden2.72%2.77%2.77%3.11%3.07%+35 bps
Growth
Asset Growth (YoY)1.20%-0.72%0.45%0.36%-1.33%-254 bps
Loan Growth (YoY)-1.65%0.12%4.69%3.75%2.75%+440 bps
Deposit Growth (YoY)1.51%1.45%-1.17%-0.91%-2.22%-373 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.45%0.34%0.30%0.27%+3 bps
Net Charge-Offs / Loans0.06%0.04%0.04%0.01%0.01%-5 bps
Allowance / Loans0.81%0.80%0.78%0.78%0.79%-1 bps
Allowance Coverage of NPLs3.3x1.8x2.3x2.6x2.9x-0.4x
Capital
Tier 1 Leverage Ratio9.28%9.49%9.43%9.55%9.52%+24 bps
Total Risk-Based Capital15.19%16.34%15.67%16.36%16.42%+123 bps
Equity / Assets7.09%7.63%7.84%7.71%7.94%+85 bps
Liquidity & Funding
Loans / Deposits66.53%69.44%70.04%69.05%69.91%+338 bps
Liquid Assets / Assets5.07%2.30%3.43%5.40%5.01%-5 bps
CRE / Total Capitaln/a195.31%204%211%n/an/a