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Unity Bank

Augusta, WI · Cert 8714 · Kimberly Leasing Corp.

State charter, non-member · FDIC · 13 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in WI3

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 in WI (n=110 to 113). 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

36

Q2 2024Q2 2026peer median (50)

Asset Quality

4

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

5

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

Unity Bank

Augusta, WI · Cert 8714 · Kimberly Leasing Corp.

State charter, non-member · FDIC · 13 branches

Q2 2026

$574.8MAssets
$436.7MLoans
$509.6MDeposits
$52.0MEquity
Loan mix
90%RE $364.9M8%C&I $33.0M1%Consumer $5.4MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $417.8M18%Noninterest $91.8MQ2 2025Q2 2026

NIM

5.54%Q2 ’245.67%Q2 ’255.49%Q2 ’26+3%+2%

Non-interest income vs. expense

3.09%Q2 ’243.23%Q2 ’253.82%Q2 ’26+22%+20%

Market Position · Eau Claire, WI · 2026 SOD (annual) · 3.2% share · #11 of 22 inst. · $0.1B of $3.7B

4.9% Eau Claire
9.2% Chisago
7.7% Morrison
8.8% Clark

Executive Summary

  • Earnings: ROA of 0.03%, up 61 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 8.39% of loans (+184 bps YoY), with net charge-offs at 0.55%.
  • Capital: tier 1 leverage ratio of 8.78%, down 8 bps from a year ago.
  • Funding: loans stand at 85.70% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.03%+61 bps YoY

Net Interest Margin (YTD, annualized)

3.73%+9 bps YoY

Efficiency Ratio (YTD, annualized)

94.11%+1,274 bps YoY

Tier 1 Leverage Ratio

8.78%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.59%-0.25%-1.06%0.04%0.03%+61 bps
Return on Equity-6.27%-2.62%-11.49%0.42%0.31%+658 bps
Net Interest Margin3.65%3.73%3.69%3.67%3.73%+9 bps
Efficiency Ratio81.37%81.35%83.12%93.38%94.11%+1,274 bps
Non-Interest Burden2.91%2.96%3.01%3.40%3.49%+59 bps
Growth
Asset Growth (YoY)-0.24%-4.58%-4.02%-7.71%-7.90%-766 bps
Loan Growth (YoY)-6.86%-7.89%-4.49%-7.99%-9.58%-271 bps
Deposit Growth (YoY)2.90%-2.55%-0.84%-6.14%-6.64%-953 bps
Asset Quality
Nonperforming Loans / Loans6.55%7.46%7.35%8.02%8.39%+184 bps
Net Charge-Offs / Loans0.11%0.43%0.36%0.83%0.55%+44 bps
Allowance / Loans1.99%1.87%3.14%3.18%3.25%+125 bps
Allowance Coverage of NPLs0.3x0.3x0.4x0.4x0.4x+0.1x
Capital
Tier 1 Leverage Ratio8.86%9.17%8.31%8.49%8.78%-8 bps
Total Risk-Based Capital13.05%13.49%12.67%13.18%13.44%+39 bps
Equity / Assets9.10%9.51%8.56%8.86%9.04%-6 bps
Liquidity & Funding
Loans / Deposits88.49%89.60%87.60%86.12%85.70%-279 bps
Liquid Assets / Assets7.75%7.47%8.83%9.70%6.15%-160 bps
CRE / Total Capitaln/a372%410%412%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

Unity Bank

Augusta, WI · Cert 8714 · Peer group: banks under $1B in assets in WI (n=110-113) · Kimberly Leasing Corp.

State charter, non-member · FDIC · 13 branches

Q2 2026

$574.8MAssets
$436.7MLoans
$509.6MDeposits
$52.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 58% of banks under $1B in assets in WI (rank 47 of 113).
  • Widest gap: nonperforming loans / loans trails 97% of banks under $1B in assets in WI (rank 108 of 110).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.03%

Rank 110 of 113

Net Interest Margin

3.73%

Rank 47 of 113

Efficiency Ratio

94.18%

Rank 108 of 113

Equity / Assets

9.04%

Rank 87 of 113

Non-interest income vs. expense

$1.9M$22.3MINCOMEEXPENSE
Unfavorable gap of $20.4M · efficiency ratio beats 5% of banks under $1B in assets in WI
Bank 94.18%Peer median 62.4%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.03%0.85%1.17%1.51%Beats 3%110 / 113
Return on Equity0.31%7.70%10.77%13.67%Beats 3%110 / 113
Net Interest Margin3.73%3.19%3.59%3.89%Beats 58%47 / 113
Efficiency Ratio94.18%54.61%62.43%71.88%Beats 5%108 / 113
Asset Quality
Nonperforming Loans / Loans8.39%0.03%0.24%0.91%Beats 3%108 / 110
Net Charge-Offs / Loans0.34%n/a0.00%0.01%Beats 4%107 / 110
Capital
Tier 1 Capital Ratio12.16%11.22%12.95%15.76%Beats 36%72 / 113
Total Risk-Based Capital Ratio13.44%11.57%13.59%16.73%Beats 48%59 / 113
Equity / Assets9.04%9.17%10.74%13.13%Beats 23%87 / 113
Liquidity & Funding
Loans / Deposits85.70%76.54%86.37%98.93%47th pctl59 / 112
Loans / Assets75.99%63.07%71.33%78.84%63rd pctl42 / 113
Brokered Deposits / Depositsn/aNot reported for this institution