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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 $53.0MQ3 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