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Unibank for Savings

Whitinsville, MA · Cert 90290 · Ufs Bcorp

State charter, non-member · FDIC · 15 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets (n=322 to 328). 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

44

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

82

Q2 2024Q2 2026peer median

Efficiency

56

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 for Savings

Whitinsville, MA · Cert 90290 · Ufs Bcorp

State charter, non-member · FDIC · 15 branches

Q2 2026

$3.1BAssets
$2.2BLoans
$2.6BDeposits
$236.2MEquity
Loan mix
65%RE $1.4B2%C&I $0.0B33%Consumer $0.7BQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $2.3B12%Noninterest $0.3BQ2 2025Q2 2026

NIM

3.90%Q2 ’244.02%Q2 ’254.13%Q2 ’26+11%+11%

Non-interest income vs. expense

1.89%Q2 ’241.95%Q2 ’251.95%Q2 ’26+4%-1%

Market Position · Worcester, MA · 2026 SOD (annual) · 11.3% share · #2 of 26 inst. · $2.5B of $22.5B

11.3% Worcester
0.0% Middlesex

Executive Summary

  • Earnings: ROA of 1.06%, up 30 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 0.62% of loans (+13 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.83%, up 38 bps from a year ago.
  • Funding: loans stand at 83.62% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%+30 bps YoY

Net Interest Margin (YTD, annualized)

2.80%+28 bps YoY

Efficiency Ratio (YTD, annualized)

58.06%-543 bps YoY

Tier 1 Leverage Ratio

8.83%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.81%0.81%0.96%1.06%+30 bps
Return on Equity10.54%11.06%10.81%12.05%13.54%+300 bps
Net Interest Margin2.53%2.68%2.72%2.87%2.80%+28 bps
Efficiency Ratio63.48%63.60%62.93%61.40%58.06%-543 bps
Non-Interest Burden1.41%1.50%1.51%1.54%1.39%-1 bps
Growth
Asset Growth (YoY)7.44%6.99%6.35%6.68%5.82%-162 bps
Loan Growth (YoY)7.26%5.71%5.54%1.84%3.08%-418 bps
Deposit Growth (YoY)2.83%2.48%1.00%3.84%4.38%+155 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.55%0.75%0.68%0.62%+13 bps
Net Charge-Offs / Loans0.00%-0.01%0.09%-0.01%0.01%+1 bps
Allowance / Loans1.40%1.40%1.37%1.42%1.42%+2 bps
Allowance Coverage of NPLs2.9x2.5x1.8x2.1x2.3x-0.5x
Capital
Tier 1 Leverage Ratio8.45%8.91%9.06%9.10%8.83%+38 bps
Total Risk-Based Capital14.42%14.60%14.64%15.11%15.27%+85 bps
Equity / Assets7.03%7.68%8.07%7.81%7.60%+57 bps
Liquidity & Funding
Loans / Deposits84.68%92.87%99.33%89.38%83.62%-105 bps
Liquid Assets / Assets11.81%5.14%2.72%8.59%11.60%-20 bps
CRE / Total Capitaln/a196.44%188.25%179.72%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 for Savings

Whitinsville, MA · Cert 90290 · Peer group: banks $1B-$10B in assets (n=322-328) · Ufs Bcorp

State charter, non-member · FDIC · 15 branches

Q2 2026

$3.1BAssets
$2.2BLoans
$2.6BDeposits
$236.2MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 65% of banks $1B-$10B in assets (rank 115 of 328).
  • Widest gap: equity / assets trails 96% of banks $1B-$10B in assets (rank 316 of 328).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.99%

Rank 228 of 328

Net Interest Margin

2.80%

Rank 281 of 328

Efficiency Ratio

58.06%

Rank 144 of 328

Equity / Assets

7.60%

Rank 316 of 328

Non-interest income vs. expense

$17.5M$61.1MINCOMEEXPENSE
Unfavorable gap of $43.6M · efficiency ratio beats 56% of banks $1B-$10B in assets
Bank 58.06%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.99%0.91%1.22%1.52%Beats 30%228 / 328
Return on Equity13.08%8.43%11.45%14.43%Beats 64%117 / 328
Net Interest Margin2.80%3.03%3.45%3.83%Beats 14%281 / 328
Efficiency Ratio58.06%51.61%59.56%67.53%Beats 56%144 / 328
Asset Quality
Nonperforming Loans / Loans0.62%0.24%0.51%1.03%Beats 43%186 / 322
Net Charge-Offs / Loans0.03%0.01%0.03%0.10%Beats 50%163 / 322
Capital
Tier 1 Capital Ratio14.02%11.75%13.15%15.47%Beats 62%125 / 328
Total Risk-Based Capital Ratio15.27%12.63%14.15%16.46%Beats 65%115 / 328
Equity / Assets7.60%9.15%10.33%12.01%Beats 4%316 / 328
Liquidity & Funding
Loans / Deposits83.62%76.63%87.92%95.36%40th pctl194 / 323
Loans / Assets69.24%65.18%74.15%79.98%34th pctl215 / 328
Brokered Deposits / Depositsn/aNot reported for this institution