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Unb Bank

Mount Carmel, PA · Cert 7631 · Unb Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$167.3MAssets
$90.3MLoans
$156.4MDeposits
$10.0MEquity
Loan mix
94%RE $81.3M5%C&I $4.1M2%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $111.7M29%Noninterest $44.7MQ2 2025Q2 2026

NIM

3.51%Q2 ’243.50%Q2 ’253.71%Q2 ’26-2%+14%

Non-interest income vs. expense

2.46%Q2 ’242.44%Q2 ’252.66%Q2 ’26-1%+10%

Executive Summary

  • Earnings: ROA of 0.14%, up 4 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 0.12% of loans (-18 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.33%, up 21 bps from a year ago.
  • Funding: loans stand at 57.72% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.14%+4 bps YoY

Net Interest Margin (YTD, annualized)

2.52%+31 bps YoY

Efficiency Ratio (YTD, annualized)

95.11%-271 bps YoY

Tier 1 Leverage Ratio

9.33%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.10%0.13%0.14%0.03%0.14%+4 bps
Return on Equity1.78%2.29%2.53%0.55%2.26%+48 bps
Net Interest Margin2.21%2.29%2.32%2.45%2.52%+31 bps
Efficiency Ratio97.81%96.13%95.42%98.77%95.11%-271 bps
Non-Interest Burden2.16%2.19%2.20%2.42%2.38%+22 bps
Growth
Asset Growth (YoY)3.83%0.22%2.80%1.68%-1.61%-544 bps
Loan Growth (YoY)-2.57%-1.60%1.45%2.87%3.71%+628 bps
Deposit Growth (YoY)3.67%0.14%1.74%1.32%-2.29%-596 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.06%0.07%0.10%0.12%-18 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%0.01%+1 bps
Allowance / Loans0.93%0.93%0.86%0.86%0.85%-9 bps
Allowance Coverage of NPLs3.1x14.5x12.0x8.8x6.9x+3.8x
Capital
Tier 1 Leverage Ratio9.12%9.28%9.29%9.29%9.33%+21 bps
Total Risk-Based Capital9.12%9.28%9.29%9.29%9.33%+21 bps
Equity / Assets5.33%6.08%6.12%5.95%5.98%+66 bps
Liquidity & Funding
Loans / Deposits54.38%55.89%56.27%57.51%57.72%+334 bps
Liquid Assets / Assets0.08%0.02%0.08%0.06%0.11%+3 bps
CRE / Total Capitaln/a38.62%45.50%58.54%n/an/a