PackageTrendsPeer
Letter portraitLegal landscape

Union Savings Bank

Cincinnati, OH · Cert 32296

SL · FDIC · 39 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

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 $1B-$10B in assets operating regionally (n=176). 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

18

Q2 2024Q2 2026peer median

Efficiency

84

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 2026-10-11

Union Savings Bank

Cincinnati, OH · Cert 32296

SL · FDIC · 39 branches

Q2 2026

$4.0BAssets
$3.6BLoans
$3.5BDeposits
$408.8MEquity
Loan mix
99%RE $3.5B1%C&I $0.0B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
92%Interest-bearing $3.3B8%Noninterest $0.3BQ3 2024Q2 2026

Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.9% share · #8 of 54 inst. · $1.6B of $187.5B

0.8% Hamilton
0.5% Franklin
3.7% Montgomery
3.1% Butler

Executive Summary

  • Earnings: ROA of 1.58%, up 58 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.70% of loans (+31 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.51%, up 11 bps from a year ago.
  • Funding: loans stand at 100.54% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.58%+58 bps YoY

Net Interest Margin (YTD, annualized)

2.83%+44 bps YoY

Efficiency Ratio (YTD, annualized)

48.40%-1,273 bps YoY

Tier 1 Leverage Ratio

10.51%+11 bps YoY

NIM

5.36%Q2 ’245.44%Q2 ’255.64%Q2 ’26+30%+19%

Non-interest income vs. expense

1.98%Q2 ’242.01%Q2 ’251.97%Q2 ’26+1%-34%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.65%0.85%1.00%1.33%1.31%1.76%1.58%+58 bps
Return on Equity6.65%6.50%8.30%9.81%13.13%12.88%17.36%15.57%+577 bps
Net Interest Margin1.83%1.92%2.29%2.39%2.43%2.50%2.82%2.83%+44 bps
Efficiency Ratio69.85%70.58%65.09%61.13%52.42%54.67%45.28%48.40%-1,273 bps
Non-Interest Burden0.97%1.07%1.20%1.11%0.73%0.85%0.50%0.73%-38 bps
Growth
Asset Growth (YoY)3.29%-0.51%0.44%2.24%3.19%3.60%2.56%-0.15%-239 bps
Loan Growth (YoY)2.88%-0.34%0.82%2.70%3.83%3.63%2.16%-0.81%-351 bps
Deposit Growth (YoY)12.72%11.85%10.22%6.55%3.89%2.12%1.64%4.82%-173 bps
Asset Quality
Nonperforming Loans / Loans0.26%0.33%0.43%0.39%0.52%0.51%0.64%0.70%+31 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.00%0.00%-0.01%-0.01%-1 bps
Allowance / Loans0.82%0.83%0.83%0.80%0.79%0.80%0.81%0.81%+2 bps
Allowance Coverage of NPLs3.2x2.5x1.9x2.0x1.5x1.6x1.3x1.2x-0.9x
Capital
Tier 1 Leverage Ratio10.38%10.48%10.50%10.40%10.38%10.30%10.44%10.51%+11 bps
Total Risk-Based Capital10.38%10.48%10.50%10.40%10.38%10.30%10.44%10.51%+11 bps
Equity / Assets10.04%10.17%10.23%10.05%10.09%10.13%10.14%10.17%+12 bps
Liquidity & Funding
Loans / Deposits106.16%100.84%101.08%106.25%106.09%102.34%101.59%100.54%-570 bps
Liquid Assets / Assets5.51%5.66%5.19%4.66%4.76%5.23%5.34%5.31%+65 bps
CRE / Total Capitaln/an/an/an/a126.24%125.42%127.48%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.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Union Savings Bank

Cincinnati, OH · Cert 32296 · Peer group: banks $1B-$10B in assets operating regionally (n=176)

SL · FDIC · 39 branches

Q2 2026

$4.0BAssets
$3.6BLoans
$3.5BDeposits
$408.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating regionally (rank 10 of 176).
  • Widest gap: net interest margin trails 93% of banks $1B-$10B in assets operating regionally (rank 163 of 176).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.58%

Rank 39 of 176

Net Interest Margin

2.83%

Rank 163 of 176

Efficiency Ratio

48.40%

Rank 29 of 176

Equity / Assets

10.17%

Rank 96 of 176

Non-interest income vs. expense

$48.1M$76.6MINCOMEEXPENSE
Unfavorable gap of $28.5M · efficiency ratio beats 84% of banks $1B-$10B in assets operating regionally
Bank 48.40%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.58%0.93%1.26%1.54%Beats 78%39 / 176
Return on Equity15.56%9.26%11.89%14.46%Beats 82%31 / 176
Net Interest Margin2.83%3.25%3.59%3.93%Beats 7%163 / 176
Efficiency Ratio48.40%52.79%59.55%67.66%Beats 84%29 / 176
Asset Quality
Nonperforming Loans / Loans0.70%0.30%0.64%1.32%Beats 46%96 / 176
Net Charge-Offs / Loans0.00%0.01%0.04%0.10%Beats 100%10 / 176
Capital
Tier 1 Capital Ratio10.51%11.15%12.72%14.15%Beats 14%151 / 176
Total Risk-Based Capital Ratio10.51%11.81%13.63%15.33%Beats 10%158 / 176
Equity / Assets10.17%9.16%10.35%11.80%Beats 45%96 / 176
Liquidity & Funding
Loans / Deposits100.54%80.94%89.73%97.21%84th pctl28 / 176
Loans / Assets88.42%69.25%75.12%80.82%98th pctl3 / 176
Brokered Deposits / Depositsn/aNot reported for this institution