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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

$523.4MAssets
$379.9MLoans
$430.8MDeposits
$71.1MEquity
Loan mix
39%RE $143.8M47%C&I $175.2M14%Consumer $53.0MQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $410.3M5%Noninterest $20.4MQ2 2025Q2 2026

NIM

7.87%Q2 ’247.54%Q2 ’256.98%Q2 ’26-3%-6%

Non-interest income vs. expense

7.27%Q2 ’247.66%Q2 ’258.97%Q2 ’26+23%+79%

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 -0.47%, down 109 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 1.05% of loans (-96 bps YoY), with net charge-offs at 2.79%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

-0.47%-109 bps YoY

Net Interest Margin (quarter, annualized)

4.10%-28 bps YoY

Efficiency Ratio (quarter, annualized)

88.52%+1,475 bps YoY

Tier 1 Leverage Ratio

12.93%-65 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%1.13%0.05%2.20%-0.47%-109 bps
Return on Equity4.44%8.19%0.34%16.08%-3.42%-786 bps
Net Interest Margin4.38%4.43%4.39%4.09%4.10%-28 bps
Efficiency Ratio73.78%75.41%79.29%69.54%88.52%+1,475 bps
Non-Interest Burden1.63%1.64%2.41%0.42%2.91%+128 bps
Growth
Asset Growth (YoY)1.02%2.42%3.34%6.53%6.08%+506 bps
Loan Growth (YoY)14.47%19.29%16.68%14.87%8.94%-553 bps
Deposit Growth (YoY)0.45%2.14%3.78%7.65%6.34%+589 bps
Asset Quality
Nonperforming Loans / Loans2.01%1.85%1.18%1.12%1.05%-96 bps
Net Charge-Offs / Loans2.27%1.66%1.98%1.62%2.79%+51 bps
Allowance / Loans2.52%2.47%2.68%2.45%2.31%-21 bps
Allowance Coverage of NPLs1.3x1.3x2.3x2.2x2.2x+0.9x
Capital
Tier 1 Leverage Ratio13.58%13.11%13.01%13.28%12.93%-65 bps
Total Risk-Based Capital21.39%20.61%20.44%20.25%19.68%-171 bps
Equity / Assets14.06%13.58%13.60%13.78%13.59%-47 bps
Liquidity & Funding
Loans / Deposits86.09%86.42%85.02%86.63%88.19%+211 bps
Liquid Assets / Assets22.17%21.36%22.89%21.48%20.16%-201 bps
CRE / Total Capitaln/a145.31%126.42%129.37%n/an/a