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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.90% | 0.88% | 0.88% | 1.15% | +40 bps | |
| Return on Equity | 8.74% | 10.44% | 10.01% | 9.35% | 12.07% | +332 bps | |
| Net Interest Margin | 2.31% | 2.29% | 2.33% | 2.48% | 2.56% | +25 bps | |
| Efficiency Ratio | 92.42% | 91.66% | 92.18% | 90.89% | 88.92% | -350 bps | |
| Non-Interest Burden | 1.18% | 1.03% | 1.13% | 1.05% | 0.79% | -39 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.45% | 4.40% | 0.46% | 4.26% | -2.09% | -1,854 bps | |
| Loan Growth (YoY) | 18.47% | 6.38% | -1.45% | 2.40% | -4.50% | -2,297 bps | |
| Deposit Growth (YoY) | 16.74% | 10.21% | 3.33% | 5.39% | 1.71% | -1,504 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.08% | 0.14% | 0.14% | 0.49% | 0.43% | +34 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.13% | 0.11% | 0.08% | 0.01% | -18 bps | |
| Allowance / Loans | 0.58% | 0.60% | 0.64% | 0.64% | 0.69% | +11 bps | |
| Allowance Coverage of NPLs | 7.0x | 4.4x | 4.4x | 1.3x | 1.6x | -5.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.16% | 9.18% | 9.35% | 9.54% | 10.03% | +87 bps | |
| Total Risk-Based Capital | 15.91% | 16.63% | 17.86% | 17.36% | 18.65% | +274 bps | |
| Equity / Assets | 8.30% | 8.88% | 9.32% | 9.45% | 9.91% | +161 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 124.04% | 124.64% | 116.80% | 118.74% | 116.48% | -757 bps | |
| Liquid Assets / Assets | 10.71% | 8.40% | 10.21% | 8.15% | 11.61% | +90 bps | |
| CRE / Total Capital | n/a | 112.47% | 115.60% | 126.05% | n/a | n/a | |