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Unibank

Lynnwood, WA · Cert 58407 · U&I Financial Corp.

State charter, Fed member · FED · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=581 to 629). 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

14

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

9

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

3

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

Unibank

Lynnwood, WA · Cert 58407 · U&I Financial Corp.

State charter, Fed member · FED · 4 branches

Q2 2026

$393.0MAssets
$270.8MLoans
$322.6MDeposits
$28.2MEquity
Loan mix
96%RE $257.6M4%C&I $9.9M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $271.5M16%Noninterest $51.0MQ2 2025Q2 2026

NIM

6.33%Q2 ’246.03%Q2 ’255.63%Q2 ’26-17%+4%

Non-interest income vs. expense

2.23%Q2 ’243.03%Q2 ’254.03%Q2 ’26+50%+33%

Market Position · Seattle-Tacoma-Bellevue, WA · 2026 SOD (annual) · 0.2% share · #27 of 43 inst. · $0.3B of $143.1B

0.7% Snohomish
0.1% King
0.5% Pierce

Executive Summary

  • Earnings: ROA of -0.25%, up 31 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 0.54% of loans (-122 bps YoY), with net recoveries of 1.40%.
  • Capital: tier 1 leverage ratio of 7.31%, up 13 bps from a year ago.
  • Funding: loans stand at 83.95% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.25%+31 bps YoY

Net Interest Margin (YTD, annualized)

2.69%+9 bps YoY

Efficiency Ratio (YTD, annualized)

139.29%+2,910 bps YoY

Tier 1 Leverage Ratio

7.31%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.56%-0.45%-0.47%-0.13%-0.25%+31 bps
Return on Equity-9.05%-7.06%-7.29%-1.92%-3.54%+551 bps
Net Interest Margin2.60%2.61%2.57%2.94%2.69%+9 bps
Efficiency Ratio110.19%119.13%129.47%127.95%139.29%+2,910 bps
Non-Interest Burden2.88%3.14%3.38%3.82%3.83%+95 bps
Growth
Asset Growth (YoY)-28.49%-30.65%-21.69%-9.04%-4.01%+2,448 bps
Loan Growth (YoY)-30.72%-30.02%-27.69%-27.21%-14.88%+1,585 bps
Deposit Growth (YoY)-20.54%-26.37%-23.16%-13.46%-10.18%+1,036 bps
Asset Quality
Nonperforming Loans / Loans1.76%1.77%1.78%0.56%0.54%-122 bps
Net Charge-Offs / Loans4.17%2.94%1.86%-1.50%-1.40%-558 bps
Allowance / Loans1.19%1.03%0.97%1.13%1.08%-11 bps
Allowance Coverage of NPLs0.7x0.6x0.5x2.0x2.0x+1.3x
Capital
Tier 1 Leverage Ratio7.18%7.32%7.22%7.18%7.31%+13 bps
Total Risk-Based Capital10.43%10.63%10.92%11.74%11.30%+87 bps
Equity / Assets6.79%7.17%6.98%7.00%7.17%+37 bps
Liquidity & Funding
Loans / Deposits88.58%87.34%84.67%80.34%83.95%-463 bps
Liquid Assets / Assets8.91%8.02%14.00%16.13%12.36%+345 bps
CRE / Total Capitaln/a593%601%582%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

Unibank

Lynnwood, WA · Cert 58407 · Peer group: banks under $1B in assets (n=581-629) · U&I Financial Corp.

State charter, Fed member · FED · 4 branches

Q2 2026

$393.0MAssets
$270.8MLoans
$322.6MDeposits
$28.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 46% of banks under $1B in assets (rank 315 of 581).
  • Widest gap: efficiency ratio trails 97% of banks under $1B in assets (rank 608 of 629).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

-0.25%

Rank 583 of 629

Net Interest Margin

2.69%

Rank 545 of 629

Efficiency Ratio

139.29%

Rank 608 of 629

Equity / Assets

7.17%

Rank 588 of 629

Non-interest income vs. expense

$0.8M$15.9MINCOMEEXPENSE
Unfavorable gap of $15.1M · efficiency ratio beats 3% of banks under $1B in assets
Bank 139.29%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.25%0.60%1.01%1.45%Beats 7%583 / 629
Return on Equity-3.55%5.38%9.30%13.28%Beats 6%592 / 629
Net Interest Margin2.69%3.03%3.54%4.05%Beats 13%545 / 629
Efficiency Ratio139.29%58.35%67.79%79.08%Beats 3%608 / 629
Asset Quality
Nonperforming Loans / Loans0.54%0.09%0.46%1.20%Beats 46%315 / 581
Net Charge-Offs / Loans0.03%n/a0.01%0.06%Beats 34%383 / 581
Capital
Tier 1 Capital Ratio10.25%11.24%13.84%18.77%Beats 14%542 / 629
Total Risk-Based Capital Ratio11.30%11.58%14.43%19.66%Beats 22%493 / 629
Equity / Assets7.17%9.09%10.65%13.80%Beats 7%588 / 629
Liquidity & Funding
Loans / Deposits83.95%67.24%80.90%93.48%54th pctl274 / 594
Loans / Assets68.90%53.31%67.71%78.15%53rd pctl298 / 629
Brokered Deposits / Depositsn/aNot reported for this institution