PackageTrendsPeer
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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