Freeport, IL · Cert 29121 · Union Bancshares MHC
SI · FDIC · 4 branches
Q2 2026
Market Position · Rockford, IL · 2026 SOD (annual) · 0.3% share · #19 of 21 inst. · $0.0B of $9.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.06% | -0.04% | 0.09% | 0.14% | 0.20% | 0.22% | 0.39% | 0.31% | +17 bps | |
| Return on Equity | -1.00% | -0.63% | 1.30% | 2.11% | 2.84% | 3.12% | 5.06% | 3.95% | +184 bps | |
| Net Interest Margin | 2.55% | 2.57% | 2.76% | 2.90% | 3.03% | 3.06% | 3.57% | 3.50% | +60 bps | |
| Efficiency Ratio | 100.99% | 100.50% | 97.32% | 95.49% | 93.73% | 93.04% | 90.07% | 90.83% | -466 bps | |
| Non-Interest Burden | 2.59% | 2.59% | 2.66% | 2.72% | 2.77% | 2.77% | 3.11% | 3.07% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.00% | -3.51% | -2.94% | 1.20% | -0.72% | 0.45% | 0.36% | -1.33% | -254 bps | |
| Loan Growth (YoY) | 1.17% | -0.65% | -4.02% | -1.65% | 0.12% | 4.69% | 3.75% | 2.75% | +440 bps | |
| Deposit Growth (YoY) | -6.90% | -4.08% | -2.53% | 1.51% | 1.45% | -1.17% | -0.91% | -2.22% | -373 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 0.41% | 0.38% | 0.24% | 0.45% | 0.34% | 0.30% | 0.27% | +3 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.09% | 0.06% | 0.04% | 0.04% | 0.01% | 0.01% | -5 bps | |
| Allowance / Loans | 0.83% | 0.86% | 0.83% | 0.81% | 0.80% | 0.78% | 0.78% | 0.79% | -1 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.1x | 2.2x | 3.3x | 1.8x | 2.3x | 2.6x | 2.9x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.43% | 9.30% | 9.23% | 9.28% | 9.49% | 9.43% | 9.55% | 9.52% | +24 bps | |
| Total Risk-Based Capital | 9.43% | 15.64% | 16.32% | 15.19% | 16.34% | 15.67% | 16.36% | 16.42% | +123 bps | |
| Equity / Assets | 6.93% | 6.47% | 6.76% | 7.09% | 7.63% | 7.84% | 7.71% | 7.94% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.35% | 66.13% | 65.94% | 66.53% | 69.44% | 70.04% | 69.05% | 69.91% | +338 bps | |
| Liquid Assets / Assets | 1.73% | 3.21% | 4.39% | 5.07% | 2.30% | 3.43% | 5.40% | 5.01% | -5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 195.31% | 204% | 211% | n/a | n/a | |