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Unified Bank

Martins Ferry, OH · Cert 9463 · United Bcorp Inc.

State charter, non-member · FDIC · 19 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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

69

Q2 2024Q2 2026peer median

Efficiency

62

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

Unified Bank

Martins Ferry, OH · Cert 9463 · United Bcorp Inc.

State charter, non-member · FDIC · 19 branches

Q2 2026

$871.7MAssets
$496.3MLoans
$702.1MDeposits
$75.4MEquity
Loan mix
82%RE $405.0M17%C&I $84.2M1%Consumer $6.4MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $543.6M23%Noninterest $158.5MQ2 2025Q2 2026

NIM

4.72%Q2 ’244.75%Q2 ’254.70%Q2 ’26+1%+2%

Non-interest income vs. expense

2.09%Q2 ’242.38%Q2 ’252.54%Q2 ’26+14%+3%

Market Position · Wheeling, WV-OH · 2026 SOD (annual) · 7.8% share · #5 of 13 inst. · $0.4B of $5.5B

16.2% Belmont
3.1% Tuscarawas
8.1% Carroll
5.1% Athens

Executive Summary

  • Earnings: ROA of 1.38%, up 2 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 1.29% of loans (+93 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.99%, down 26 bps from a year ago.
  • Funding: loans stand at 70.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.38%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+6 bps YoY

Efficiency Ratio (YTD, annualized)

63.73%+200 bps YoY

Tier 1 Leverage Ratio

8.99%-26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.36%1.36%1.31%1.38%+2 bps
Return on Equity16.76%16.71%16.52%15.33%16.09%-67 bps
Net Interest Margin3.24%3.28%3.30%3.25%3.30%+6 bps
Efficiency Ratio61.73%61.36%62.98%65.77%63.73%+200 bps
Non-Interest Burden1.79%1.79%1.90%1.91%1.85%+6 bps
Growth
Asset Growth (YoY)3.02%4.94%4.64%3.29%3.43%+41 bps
Loan Growth (YoY)3.33%4.49%0.07%0.67%-0.87%-420 bps
Deposit Growth (YoY)3.38%5.10%4.66%6.88%6.83%+345 bps
Asset Quality
Nonperforming Loans / Loans0.36%0.49%0.46%1.30%1.29%+93 bps
Net Charge-Offs / Loans0.07%0.06%0.08%0.03%0.02%-4 bps
Allowance / Loans0.83%0.87%0.87%0.85%0.88%+5 bps
Allowance Coverage of NPLs2.3x1.8x1.9x0.7x0.7x-1.6x
Capital
Tier 1 Leverage Ratio9.24%9.23%9.18%9.17%8.99%-26 bps
Total Risk-Based Capital13.55%13.30%13.42%13.07%13.22%-33 bps
Equity / Assets7.72%8.22%8.67%8.38%8.65%+93 bps
Liquidity & Funding
Loans / Deposits76.18%75.06%74.77%73.40%70.69%-549 bps
Liquid Assets / Assets4.28%3.61%4.00%1.85%3.97%-31 bps
CRE / Total Capitaln/a312%310%329%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

Unified Bank

Martins Ferry, OH · Cert 9463 · Peer group: banks under $1B in assets (n=581-629) · United Bcorp Inc.

State charter, non-member · FDIC · 19 branches

Q2 2026

$871.7MAssets
$496.3MLoans
$702.1MDeposits
$75.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 86% of banks under $1B in assets (rank 86 of 629).
  • Widest gap: equity / assets trails 81% of banks under $1B in assets (rank 509 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.36%

Rank 180 of 629

Net Interest Margin

3.30%

Rank 395 of 629

Efficiency Ratio

63.73%

Rank 242 of 629

Equity / Assets

8.65%

Rank 509 of 629

Non-interest income vs. expense

$6.1M$22.2MINCOMEEXPENSE
Unfavorable gap of $16.1M · efficiency ratio beats 62% of banks under $1B in assets
Bank 63.73%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.36%0.60%1.01%1.45%Beats 71%180 / 629
Return on Equity15.69%5.38%9.30%13.28%Beats 86%86 / 629
Net Interest Margin3.30%3.03%3.54%4.05%Beats 37%395 / 629
Efficiency Ratio63.73%58.35%67.79%79.08%Beats 62%242 / 629
Asset Quality
Nonperforming Loans / Loans1.29%0.09%0.46%1.20%Beats 23%446 / 581
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 43%333 / 581
Capital
Tier 1 Capital Ratio12.53%11.24%13.84%18.77%Beats 38%387 / 629
Total Risk-Based Capital Ratio13.22%11.58%14.43%19.66%Beats 41%374 / 629
Equity / Assets8.65%9.09%10.65%13.80%Beats 19%509 / 629
Liquidity & Funding
Loans / Deposits70.69%67.24%80.90%93.48%32nd pctl405 / 594
Loans / Assets56.93%53.31%67.71%78.15%30th pctl439 / 629
Brokered Deposits / Depositsn/aNot reported for this institution