Union Savings Bank

Cincinnati, OH · Cert 32296

SL · FDIC · 39 branches

Q2 2026

$4.0BAssets

$3.6BLoans

$3.5BDeposits

$408.8MEquity

Loan mix

Deposit mix

NIM

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

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%.

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

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	1.00%	1.33%	1.31%	1.76%	1.58%	+58 bps
Return on Equity	9.81%	13.13%	12.88%	17.36%	15.57%	+577 bps
Net Interest Margin	2.39%	2.43%	2.50%	2.82%	2.83%	+44 bps
Efficiency Ratio	61.13%	52.42%	54.67%	45.28%	48.40%	-1,273 bps
Non-Interest Burden	1.11%	0.73%	0.85%	0.50%	0.73%	-38 bps
Growth
Asset Growth (YoY)	2.24%	3.19%	3.60%	2.56%	-0.15%	-239 bps
Loan Growth (YoY)	2.70%	3.83%	3.63%	2.16%	-0.81%	-351 bps
Deposit Growth (YoY)	6.55%	3.89%	2.12%	1.64%	4.82%	-173 bps
Asset Quality
Nonperforming Loans / Loans	0.39%	0.52%	0.51%	0.64%	0.70%	+31 bps
Net Charge-Offs / Loans	0.01%	0.00%	0.00%	-0.01%	-0.01%	-1 bps
Allowance / Loans	0.80%	0.79%	0.80%	0.81%	0.81%	+2 bps
Allowance Coverage of NPLs	2.0x	1.5x	1.6x	1.3x	1.2x	-0.9x
Capital
Tier 1 Leverage Ratio	10.40%	10.38%	10.30%	10.44%	10.51%	+11 bps
Total Risk-Based Capital	10.40%	10.38%	10.30%	10.44%	10.51%	+11 bps
Equity / Assets	10.05%	10.09%	10.13%	10.14%	10.17%	+12 bps
Liquidity & Funding
Loans / Deposits	106.25%	106.09%	102.34%	101.59%	100.54%	-570 bps
Liquid Assets / Assets	4.66%	4.76%	5.23%	5.34%	5.31%	+65 bps
CRE / Total Capital	n/a	126.24%	125.42%	127.48%	n/a	n/a