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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

3.60%Q2 ’243.61%Q2 ’253.77%Q2 ’26+0%+12%

Non-interest income vs. expense

2.47%Q2 ’242.44%Q2 ’252.62%Q2 ’26-2%+9%

Executive Summary

  • Earnings: ROA of 0.24%, up 9 bps year over year; NIM at 2.58%.
  • Asset quality: problem loans at 0.12% of loans (-18 bps YoY), with net charge-offs at 0.02%.
  • 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 (quarter, annualized)

0.24%+9 bps YoY

Net Interest Margin (quarter, annualized)

2.58%+27 bps YoY

Efficiency Ratio (quarter, annualized)

91.60%-254 bps YoY

Tier 1 Leverage Ratio

9.33%+21 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.15%0.19%0.19%0.03%0.24%+9 bps
Return on Equity2.82%3.29%3.12%0.55%4.02%+120 bps
Net Interest Margin2.30%2.41%2.38%2.45%2.58%+27 bps
Efficiency Ratio94.14%93.00%93.36%98.77%91.60%-254 bps
Non-Interest Burden2.15%2.22%2.20%2.42%2.34%+19 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%0.05%0.00%0.02%+2 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