Palos Heights, IL · Cert 35393 · United Bcorp Inc.
State savings bank · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
36
Profitability
50
Liquidity
0
Efficiency
18
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.
Palos Heights, IL · Cert 35393 · United Bcorp Inc.
State savings bank · OCC · 1 branch
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #113 of 147 inst. · $0.1B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.67% | 0.74% | 0.75% | 0.90% | 0.88% | 0.88% | 1.15% | +40 bps | |
| Return on Equity | 5.29% | 7.96% | 8.46% | 8.74% | 10.44% | 10.01% | 9.35% | 12.07% | +332 bps | |
| Net Interest Margin | 2.10% | 2.02% | 2.28% | 2.31% | 2.29% | 2.33% | 2.48% | 2.56% | +25 bps | |
| Efficiency Ratio | 95.25% | 93.24% | 92.53% | 92.42% | 91.66% | 92.18% | 90.89% | 88.92% | -350 bps | |
| Non-Interest Burden | 1.49% | 1.15% | 1.20% | 1.18% | 1.03% | 1.13% | 1.05% | 0.79% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.06% | 6.74% | 1.24% | 16.45% | 4.40% | 0.46% | 4.26% | -2.09% | -1,854 bps | |
| Loan Growth (YoY) | 5.09% | 6.26% | 2.14% | 18.47% | 6.38% | -1.45% | 2.40% | -4.50% | -2,297 bps | |
| Deposit Growth (YoY) | 1.20% | 12.67% | 5.48% | 16.74% | 10.21% | 3.33% | 5.39% | 1.71% | -1,504 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.20% | 0.20% | 0.08% | 0.14% | 0.14% | 0.49% | 0.43% | +34 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.20% | 0.13% | 0.11% | 0.08% | 0.01% | -18 bps | |
| Allowance / Loans | 0.58% | 0.63% | 0.69% | 0.58% | 0.60% | 0.64% | 0.64% | 0.69% | +11 bps | |
| Allowance Coverage of NPLs | 2.7x | 3.1x | 3.4x | 7.0x | 4.4x | 4.4x | 1.3x | 1.6x | -5.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.08% | 8.86% | 8.99% | 9.16% | 9.18% | 9.35% | 9.54% | 10.03% | +87 bps | |
| Total Risk-Based Capital | 15.35% | 15.84% | 16.59% | 15.91% | 16.63% | 17.86% | 17.36% | 18.65% | +274 bps | |
| Equity / Assets | 8.24% | 8.51% | 8.94% | 8.30% | 8.88% | 9.32% | 9.45% | 9.91% | +161 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 129.12% | 122.47% | 122.20% | 124.04% | 124.64% | 116.80% | 118.74% | 116.48% | -757 bps | |
| Liquid Assets / Assets | 9.67% | 9.89% | 8.91% | 10.71% | 8.40% | 10.21% | 8.15% | 11.61% | +90 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 112.47% | 115.60% | 126.05% | n/a | n/a | |
Palos Heights, IL · Cert 35393 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · United Bcorp Inc.
State savings bank · OCC · 1 branch
Q2 2026
Return on Assets
1.12%
Rank 17 of 57
Net Interest Margin
2.56%
Rank 52 of 57
Efficiency Ratio
88.92%
Rank 48 of 57
Equity / Assets
9.91%
Rank 37 of 57
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.12% | 0.51% | 0.84% | 1.19% | Beats 70% | 17 / 57 | ||
| Return on Equity | 11.35% | 3.13% | 7.76% | 11.40% | Beats 70% | 17 / 57 | ||
| Net Interest Margin | 2.56% | 3.16% | 3.63% | 4.08% | Beats 9% | 52 / 57 | ||
| Efficiency Ratio | 88.92% | 59.57% | 69.70% | 81.06% | Beats 18% | 48 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.43% | 0.06% | 0.34% | 1.78% | Beats 48% | 30 / 56 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.01% | Beats 23% | 44 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.64% | 12.24% | 16.06% | 19.69% | Beats 63% | 21 / 57 | ||
| Total Risk-Based Capital Ratio | 18.65% | 12.54% | 16.50% | 20.95% | Beats 58% | 24 / 57 | ||
| Equity / Assets | 9.91% | 9.37% | 11.56% | 15.00% | Beats 35% | 37 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 116.48% | 66.29% | 85.59% | 95.16% | 91st pctl | 5 / 57 | ||
| Loans / Assets | 82.44% | 57.07% | 71.07% | 78.13% | 88th pctl | 7 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||