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United Bank

Atmore, AL · Cert 58 · United Bcorp of Alabama Inc.

State charter, non-member · FDIC · 19 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

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.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

92

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

53

Q2 2024Q2 2026peer median

Efficiency

39

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

United Bank

Atmore, AL · Cert 58 · United Bcorp of Alabama Inc.

State charter, non-member · FDIC · 19 branches

Q2 2026

$1.5BAssets
$942.2MLoans
$1.2BDeposits
$221.1MEquity
Loan mix
71%RE $571.0M25%C&I $197.7M4%Consumer $31.7MQ2 2025Q2 2026
Deposit mix
57%Interest-bearing $694.1M43%Noninterest $530.3MQ2 2025Q2 2026

NIM

5.12%Q2 ’245.20%Q2 ’255.09%Q2 ’26-1%-3%

Non-interest income vs. expense

2.61%Q2 ’242.77%Q2 ’252.94%Q2 ’26+6%+12%

Market Position · Daphne-Fairhope-Foley, AL · 2026 SOD (annual) · 5.8% share · #6 of 32 inst. · $0.4B of $6.7B

5.8% Baldwin
33.6% Escambia
11.3% Santa Rosa
30.8% Monroe

Executive Summary

  • Earnings: ROA of 1.31%, down 8 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 1.35% of loans (+27 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 15.79%, up 89 bps from a year ago.
  • Funding: loans stand at 76.95% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.31%-8 bps YoY

Net Interest Margin (YTD, annualized)

4.02%-14 bps YoY

Efficiency Ratio (YTD, annualized)

62.73%+634 bps YoY

Tier 1 Leverage Ratio

15.79%+89 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.35%1.32%1.13%1.31%-8 bps
Return on Equity10.04%9.63%9.33%7.62%8.81%-123 bps
Net Interest Margin4.16%4.18%4.14%3.88%4.02%-14 bps
Efficiency Ratio56.39%58.74%60.63%65.22%62.73%+634 bps
Non-Interest Burden2.01%2.14%2.22%2.29%2.26%+25 bps
Growth
Asset Growth (YoY)19.57%3.46%3.74%4.17%4.53%-1,504 bps
Loan Growth (YoY)13.18%5.42%2.40%2.22%5.54%-764 bps
Deposit Growth (YoY)17.15%2.02%2.27%3.46%3.91%-1,324 bps
Asset Quality
Nonperforming Loans / Loans1.09%0.89%1.77%1.78%1.35%+27 bps
Net Charge-Offs / Loans0.78%0.66%0.55%0.01%0.03%-76 bps
Allowance / Loans1.35%1.31%1.32%1.37%1.31%-4 bps
Allowance Coverage of NPLs1.2x1.5x0.7x0.8x1.0x-0.3x
Capital
Tier 1 Leverage Ratio14.89%15.20%15.38%15.49%15.79%+89 bps
Total Risk-Based Capital21.77%21.48%21.89%22.06%21.86%+9 bps
Equity / Assets14.13%14.59%14.73%14.87%14.93%+80 bps
Liquidity & Funding
Loans / Deposits75.76%76.86%74.85%75.29%76.95%+119 bps
Liquid Assets / Assets8.07%8.06%6.55%5.36%4.14%-393 bps
CRE / Total Capitaln/a187.18%181.29%178.96%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

United Bank

Atmore, AL · Cert 58 · Peer group: banks $1B-$10B in assets (n=322-328) · United Bcorp of Alabama Inc.

State charter, non-member · FDIC · 19 branches

Q2 2026

$1.5BAssets
$942.2MLoans
$1.2BDeposits
$221.1MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 93% of banks $1B-$10B in assets (rank 23 of 328).
  • Widest gap: nonperforming loans / loans trails 82% of banks $1B-$10B in assets (rank 264 of 322).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.29%

Rank 137 of 328

Net Interest Margin

4.02%

Rank 56 of 328

Efficiency Ratio

62.83%

Rank 202 of 328

Equity / Assets

14.93%

Rank 23 of 328

Non-interest income vs. expense

$10.1M$43.7MINCOMEEXPENSE
Unfavorable gap of $33.6M · efficiency ratio beats 39% of banks $1B-$10B in assets
Bank 62.83%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.29%0.91%1.22%1.52%Beats 58%137 / 328
Return on Equity8.63%8.43%11.45%14.43%Beats 27%241 / 328
Net Interest Margin4.02%3.03%3.45%3.83%Beats 83%56 / 328
Efficiency Ratio62.83%51.61%59.56%67.53%Beats 39%202 / 328
Asset Quality
Nonperforming Loans / Loans1.35%0.24%0.51%1.03%Beats 18%264 / 322
Net Charge-Offs / Loans0.02%0.01%0.03%0.10%Beats 59%135 / 322
Capital
Tier 1 Capital Ratio20.70%11.75%13.15%15.47%Beats 92%27 / 328
Total Risk-Based Capital Ratio21.86%12.63%14.15%16.46%Beats 92%27 / 328
Equity / Assets14.93%9.15%10.33%12.01%Beats 93%23 / 328
Liquidity & Funding
Loans / Deposits76.95%76.63%87.92%95.36%26th pctl240 / 323
Loans / Assets63.63%65.18%74.15%79.98%22nd pctl255 / 328
Brokered Deposits / Depositsn/aNot reported for this institution