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United Midwest Savings Bank, National Association

De Graff, OH · Cert 32441 · MSB Capital Corp.

National charter · OCC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 under $1B in assets operating in a single state (n=743 to 746). 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

79

Q2 2024Q2 2026peer median (50)

Asset Quality

13

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

55

Q2 2024Q2 2026peer median

Efficiency

21

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

United Midwest Savings Bank, National Association

De Graff, OH · Cert 32441 · MSB Capital Corp.

National charter · OCC · 6 branches

Q2 2026

$523.4MAssets
$379.9MLoans
$430.8MDeposits
$71.1MEquity
Loan mix
39%RE $143.8M47%C&I $175.2M14%Consumer $53.0MQ3 2024Q2 2026
Deposit mix
95%Interest-bearing $410.3M5%Noninterest $20.4MQ3 2024Q2 2026

Market Position · Columbus, OH · 2026 SOD (annual) · 0.2% share · #23 of 53 inst. · $0.3B of $124.6B

0.3% Franklin
12.2% Preble
6.2% Logan

Executive Summary

  • Earnings: ROA of 0.86%, down 52 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 1.05% of loans (-96 bps YoY), with net charge-offs at 2.19%.
  • Capital: tier 1 leverage ratio of 12.93%, down 65 bps from a year ago.
  • Funding: loans stand at 88.19% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.86%-52 bps YoY

Net Interest Margin (YTD, annualized)

4.06%-19 bps YoY

Efficiency Ratio (YTD, annualized)

78.34%+664 bps YoY

Tier 1 Leverage Ratio

12.93%-65 bps YoY

NIM

7.89%Q2 ’247.46%Q2 ’256.92%Q2 ’26-9%-5%

Non-interest income vs. expense

7.33%Q2 ’247.80%Q2 ’258.55%Q2 ’26-22%+46%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%1.28%2.14%1.38%1.29%0.98%2.20%0.86%-52 bps
Return on Equity11.00%9.75%15.44%9.91%9.35%7.09%16.08%6.28%-363 bps
Net Interest Margin4.61%4.51%4.15%4.25%4.24%4.25%4.09%4.06%-19 bps
Efficiency Ratio69.20%70.62%69.80%71.70%72.98%74.40%69.54%78.34%+664 bps
Non-Interest Burden1.29%1.33%0.66%1.14%1.29%1.56%0.42%1.66%+52 bps
Growth
Asset Growth (YoY)4.96%2.87%0.32%1.02%2.42%3.34%6.53%6.08%+506 bps
Loan Growth (YoY)-16.41%0.21%2.41%14.47%19.29%16.68%14.87%8.94%-553 bps
Deposit Growth (YoY)4.19%2.63%-0.88%0.45%2.14%3.78%7.65%6.34%+589 bps
Asset Quality
Nonperforming Loans / Loans1.79%1.55%2.17%2.01%1.85%1.18%1.12%1.05%-96 bps
Net Charge-Offs / Loans1.85%1.87%0.96%1.58%1.57%1.69%1.62%2.19%+60 bps
Allowance / Loans2.56%2.72%2.60%2.52%2.47%2.68%2.45%2.31%-21 bps
Allowance Coverage of NPLs1.4x1.8x1.2x1.3x1.3x2.3x2.2x2.2x+0.9x
Capital
Tier 1 Leverage Ratio12.82%12.97%13.59%13.58%13.11%13.01%13.28%12.93%-65 bps
Total Risk-Based Capital21.19%20.82%20.71%21.39%20.61%20.44%20.25%19.68%-171 bps
Equity / Assets13.24%13.56%14.14%14.06%13.58%13.60%13.78%13.59%-47 bps
Liquidity & Funding
Loans / Deposits73.99%75.63%81.18%86.09%86.42%85.02%86.63%88.19%+211 bps
Liquid Assets / Assets31.81%30.69%26.41%22.17%21.36%22.89%21.48%20.16%-201 bps
CRE / Total Capitaln/an/an/an/a145.31%126.42%129.37%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

United Midwest Savings Bank, National Association

De Graff, OH · Cert 32441 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · MSB Capital Corp.

National charter · OCC · 6 branches

Q2 2026

$523.4MAssets
$379.9MLoans
$430.8MDeposits
$71.1MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 80% of banks under $1B in assets operating in a single state (rank 148 of 746).
  • Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets operating in a single state (rank 738 of 743).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.85%

Rank 486 of 746

Net Interest Margin

4.06%

Rank 222 of 746

Efficiency Ratio

78.34%

Rank 594 of 746

Equity / Assets

13.59%

Rank 158 of 746

Non-interest income vs. expense

$36.0M$44.7MINCOMEEXPENSE
Unfavorable gap of $8.7M · efficiency ratio beats 21% of banks under $1B in assets operating in a single state
Bank 78.34%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.85%0.72%1.06%1.45%Beats 35%486 / 746
Return on Equity6.24%6.74%10.51%13.63%Beats 23%576 / 746
Net Interest Margin4.06%3.17%3.68%4.16%Beats 70%222 / 746
Efficiency Ratio78.34%55.74%64.58%75.47%Beats 21%594 / 746
Asset Quality
Nonperforming Loans / Loans1.05%0.09%0.42%1.07%Beats 25%555 / 743
Net Charge-Offs / Loans1.27%0.00%0.01%0.05%Beats 1%738 / 743
Capital
Tier 1 Capital Ratio18.41%11.55%13.75%17.60%Beats 79%160 / 746
Total Risk-Based Capital Ratio19.68%11.71%14.33%18.43%Beats 80%148 / 746
Equity / Assets13.59%8.90%10.51%13.06%Beats 79%158 / 746
Liquidity & Funding
Loans / Deposits88.19%61.31%78.27%90.78%70th pctl224 / 746
Loans / Assets72.58%53.60%66.97%76.08%64th pctl265 / 746
Brokered Deposits / Depositsn/aNot reported for this institution