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Bank of Monroe, The

Union, WV · Cert 6180 · Union Bankshares Inc.

State charter, Fed member · FED · 3 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

74

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

67

Q2 2024Q2 2026peer median

Efficiency

75

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

Bank of Monroe, The

Union, WV · Cert 6180 · Union Bankshares Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$255.4MAssets
$157.0MLoans
$224.2MDeposits
$30.0MEquity
Loan mix
89%RE $135.7M8%C&I $12.5M2%Consumer $3.5MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $173.3M23%Noninterest $50.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.38%, up 15 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.34% of loans (-5 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 13.22%, up 27 bps from a year ago.
  • Funding: loans stand at 70.04% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.38%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+29 bps YoY

Efficiency Ratio (YTD, annualized)

58.01%-392 bps YoY

Tier 1 Leverage Ratio

13.22%+27 bps YoY

NIM

4.42%Q2 ’244.72%Q2 ’254.92%Q2 ’26+5%+9%

Non-interest income vs. expense

2.61%Q2 ’242.56%Q2 ’252.43%Q2 ’26-10%+6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%0.99%1.22%1.24%1.16%1.18%1.39%1.38%+15 bps
Return on Equity9.48%9.43%11.69%11.62%10.84%10.86%12.23%12.01%+39 bps
Net Interest Margin3.01%3.05%3.10%3.20%3.23%3.24%3.45%3.50%+29 bps
Efficiency Ratio68.27%68.18%63.64%61.93%63.73%61.83%59.62%58.01%-392 bps
Non-Interest Burden1.83%1.85%1.54%1.65%1.76%1.71%1.82%1.76%+11 bps
Growth
Asset Growth (YoY)12.30%7.39%7.81%7.73%5.62%5.82%3.85%5.18%-255 bps
Loan Growth (YoY)8.86%11.21%12.76%12.88%9.66%9.24%7.98%7.29%-559 bps
Deposit Growth (YoY)10.16%7.54%7.46%7.27%5.42%4.56%2.91%4.13%-314 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.10%0.36%0.39%0.38%0.32%0.34%0.34%-5 bps
Net Charge-Offs / Loans0.00%0.04%-0.01%0.02%0.01%0.00%-0.01%-0.01%-3 bps
Allowance / Loans1.19%1.14%1.18%1.17%1.15%1.25%1.25%1.28%+11 bps
Allowance Coverage of NPLs3.4x11.7x3.2x3.0x3.1x3.9x3.6x3.8x+0.8x
Capital
Tier 1 Leverage Ratio12.88%12.95%12.77%12.95%12.80%12.67%13.04%13.22%+27 bps
Total Risk-Based Capital22.06%21.58%22.01%22.86%22.77%22.36%22.38%22.79%-7 bps
Equity / Assets10.87%10.30%10.64%10.98%11.03%11.32%11.44%11.76%+78 bps
Liquidity & Funding
Loans / Deposits64.13%65.95%67.24%67.98%66.71%68.91%70.55%70.04%+206 bps
Liquid Assets / Assets10.10%6.47%6.92%5.98%8.03%5.96%5.24%5.79%-19 bps
CRE / Total Capitaln/an/an/an/a141.36%152.85%146.93%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

Bank of Monroe, The

Union, WV · Cert 6180 · Peer group: banks under $1B in assets (n=581-629) · Union Bankshares Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$255.4MAssets
$157.0MLoans
$224.2MDeposits
$30.0MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 81% of banks under $1B in assets (rank 121 of 629).
  • Widest gap: net interest margin trails 53% of banks under $1B in assets (rank 331 of 629).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.37%

Rank 176 of 629

Net Interest Margin

3.50%

Rank 331 of 629

Efficiency Ratio

58.34%

Rank 157 of 629

Equity / Assets

11.76%

Rank 244 of 629

Non-interest income vs. expense

$1.7M$6.3MINCOMEEXPENSE
Unfavorable gap of $4.5M · efficiency ratio beats 75% of banks under $1B in assets
Bank 58.34%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.37%0.60%1.01%1.45%Beats 72%176 / 629
Return on Equity11.65%5.38%9.30%13.28%Beats 65%221 / 629
Net Interest Margin3.50%3.03%3.54%4.05%Beats 47%331 / 629
Efficiency Ratio58.34%58.35%67.79%79.08%Beats 75%157 / 629
Asset Quality
Nonperforming Loans / Loans0.34%0.09%0.46%1.20%Beats 56%256 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 68%190 / 581
Capital
Tier 1 Capital Ratio21.49%11.24%13.84%18.77%Beats 80%125 / 629
Total Risk-Based Capital Ratio22.79%11.58%14.43%19.66%Beats 81%121 / 629
Equity / Assets11.76%9.09%10.65%13.80%Beats 61%244 / 629
Liquidity & Funding
Loans / Deposits70.04%67.24%80.90%93.48%31st pctl412 / 594
Loans / Assets61.48%53.31%67.71%78.15%37th pctl394 / 629
Brokered Deposits / Depositsn/aNot reported for this institution