Community Unity Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) climbed 73.64 percentage points in Q2 2026, from 156.53% to 230.17%. It was the largest change from Q1 2026 among the key lines here. Community Unity Bank ranks 22nd of 72 Michigan banks on loan-to-deposit ratio, in the upper half at 93.61% (Q2 2026). Community Unity Bank reported 93.61% on loan-to-deposit ratio for Q2 2026, 13.06 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $80.3M |
| Net loans and leases | $79.3M |
| Loans held for sale | $0 |
| Loans to total assets | 75.00% |
| Loan-to-deposit ratio | 93.61% |
| Net loans to equity capital | 3.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.77% |
| Multifamily (5+ residential) | 17.39% |
| Commercial and industrial | 16.48% |
| Consumer | 0.04% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 230.17% |
| Construction concentration (Tier 1 capital + allowance) | 11.01% |
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
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.19% |
| Interest income on loans | $1.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $0 | $1.9M | — | — | — |
| Q4 2023 | $5.9M | $6.1M | 45.30% | 1.17% | 0.00% |
| Q1 2024 | $13.1M | $12.1M | 53.00% | 2.78% | 0.00% |
| Q2 2024 | $24.6M | $23.8M | 39.05% | 1.80% | 0.00% |
| Q3 2024 | $29.6M | $27.3M | 38.23% | 2.07% | 0.13% |
| Q4 2024 | $39.4M | $40.7M | 48.77% | 7.31% | 0.09% |
| Q1 2025 | $40.7M | $43.8M | 51.17% | 5.92% | 0.14% |
| Q2 2025 | $49.4M | $51.6M | 45.77% | 3.91% | 0.19% |
| Q3 2025 | $51.5M | $58.0M | 41.87% | 11.41% | 0.16% |
| Q4 2025 | $54.2M | $72.8M | 41.81% | 11.74% | 0.06% |
| Q1 2026 | $61.4M | $73.5M | 48.94% | 15.80% | 0.05% |
| Q2 2026 | $80.3M | $85.8M | 43.77% | 16.48% | 0.04% |
Community Unity Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Unity Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community Unity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59305) · FFIEC NIC profile (RSSD 5860740)