Union Savings Bank

Danbury, ConnecticutFDIC Cert #18190

STATEEstablished 186626 branches

Holding company: USB BCORP INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$171M
Investor CRE	$866M
Multifamily	$295M
Construction	$98.3M
1–4 family	$854M
C&I	$31M
Agriculture	$0
Other	$7.71M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$2.32B

+7.6%y/y

Percentile by value14th percentileby value

FDICLNLSGR

Net loans

$2.3B

+7.7%y/y

Percentile by value14th percentileby value

FDICLNLSNET

Loans YoY

+7.67%

−26.6%y/y

Percentile by value59th percentileby value

FDICLNLSNET

L/D

91.2%

+0.7%y/y

Percentile by value63rd percentileby value

FDICLNLSNET + DEP

Loans/assets

69.6%

+1.7%y/y

Percentile by value37th percentileby value

FDICLNLSNET + ASSET

RE loans %

102.75%

+0.2%y/y

Percentile by value98th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,996points

+0.2%y/y

Peer standing17th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

7.34%

−13.4%y/y

Percentile by value33rd percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

37.28%

+0.3%y/y

Percentile by value92nd percentileby value

FDICLNRENROT + LNLSGR

C&I %

1.34%

−4.6%y/y

Percentile by value7th percentileby value

FDICLNCI + LNLSGR