2UNIFI Bank: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
2UNIFI Bank reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $5.3M in Q3 2026, up 126.6% from $2.4M in Q3 2025. That is 13.5% of its total assets. Across the 12 quarters shown it ranged from $150K (Q1 2024) to $5.6M (Q2 2026).
Commercial real estate (nonfarm nonresidential) climbed 3.47 percentage points in Q3 2026, from 40.66% to 44.12%. It was the largest change from Q2 2026 among the key lines here. 2UNIFI Bank has the highest loan-to-deposit ratio of the 24 banks headquartered in Wyoming, 400.83% as of Q3 2026. Against a median of 68.95% for banks in the < $100M asset tier, 2UNIFI Bank reported 400.83% on loan-to-deposit ratio in Q3 2026, 331.88 points higher.
Loan totals
Largest change in this table: loans to total assets, down 0.93 points to 13.51% in Q3 2026 after 14.44% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $5.3M |
| Net loans and leases | $5.3M |
| Loans held for sale | $0 |
| Loans to total assets | 13.51% |
| Loan-to-deposit ratio | 400.83% |
| Net loans to equity capital | 0.35× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.12% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 55.88% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
CRE concentration (Tier 1 capital + allowance) moved most in this table, down 0.13 points: 7.89% in Q2 2026, 7.76% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 7.76% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
Yield on loans moved most in this table, up 1.46 points: 5.01% in Q2 2026, 6.47% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 6.47% |
| Interest income on loans | $86K |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $154K | $1.0M | 0.00% | 100.00% | 0.00% |
| Q1 2024 | $150K | $1.0M | 0.00% | 100.00% | 0.00% |
| Q2 2024 | $164K | $2.7M | 0.00% | 100.00% | 0.00% |
| Q3 2024 | $158K | $2.7M | 0.00% | 100.00% | 0.00% |
| Q4 2024 | $151K | $2.7M | 0.00% | 100.00% | 0.00% |
| Q1 2025 | $1.4M | $2.8M | 89.89% | 10.11% | 0.00% |
| Q2 2025 | $2.4M | $1.0M | 51.11% | 48.89% | 0.00% |
| Q3 2025 | $2.4M | $1.0M | 51.32% | 48.68% | 0.00% |
| Q4 2025 | $2.3M | $1.0M | 51.42% | 48.58% | 0.00% |
| Q1 2026 | $2.4M | $1.1M | 50.25% | 49.75% | 0.00% |
| Q2 2026 | $5.6M | $124K | 40.66% | 59.34% | 0.00% |
| Q3 2026 | $5.3M | $1.3M | 44.12% | 55.88% | 0.00% |
2UNIFI Bank loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full 2UNIFI Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 23826) · FFIEC NIC profile (RSSD 898458)