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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 1.32% | 0.74% | 0.78% | 1.18% | 0.79% | 0.88% | 1.43% | +65 bps | |
| Return on Equity | 5.45% | 15.72% | 8.46% | 9.03% | 13.74% | 8.73% | 9.35% | 14.76% | +574 bps | |
| Net Interest Margin | 2.17% | 2.16% | 2.28% | 2.36% | 2.39% | 2.43% | 2.48% | 2.72% | +36 bps | |
| Efficiency Ratio | 95.21% | 88.56% | 92.53% | 92.31% | 90.32% | 93.66% | 90.89% | 87.13% | -518 bps | |
| Non-Interest Burden | 1.51% | 0.38% | 1.20% | 1.15% | 0.82% | 1.42% | 1.05% | 0.55% | -60 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% | 0.40% | 0.00% | 0.00% | 0.08% | -0.05% | -45 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 | |