First United 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) dropped 6.80 percentage points in Q2 2026, from 119.98% to 113.18%. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, First United Bank is 27th of 60 on loan-to-deposit ratio, 82.99% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First United Bank sits 2.43 points higher, at 82.99% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $582.7M |
| Net loans and leases | $575.1M |
| Loans held for sale | $0 |
| Loans to total assets | 71.86% |
| Loan-to-deposit ratio | 82.99% |
| Net loans to equity capital | 6.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.46% |
| Multifamily (5+ residential) | 3.31% |
| Commercial and industrial | 10.23% |
| Consumer | 2.42% |
| Credit cards | 0.00% |
| Farm | 19.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 113.18% |
| Construction concentration (Tier 1 capital + allowance) | 18.29% |
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 | 6.85% |
| Interest income on loans | $9.3M |
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 | $445.0M | $552.6M | 12.39% | 12.70% | 2.86% |
| Q4 2023 | $456.3M | $574.8M | 12.10% | 12.75% | 2.83% |
| Q1 2024 | $461.2M | $580.3M | 12.26% | 12.44% | 3.11% |
| Q2 2024 | $487.0M | $562.6M | 12.45% | 12.48% | 2.99% |
| Q3 2024 | $517.5M | $606.3M | 13.70% | 11.41% | 2.97% |
| Q4 2024 | $524.5M | $620.1M | 13.68% | 11.02% | 2.74% |
| Q1 2025 | $507.4M | $642.8M | 14.21% | 10.36% | 2.82% |
| Q2 2025 | $514.8M | $609.3M | 14.23% | 10.35% | 2.81% |
| Q3 2025 | $519.9M | $600.1M | 14.03% | 9.69% | 2.56% |
| Q4 2025 | $532.1M | $620.7M | 13.94% | 9.30% | 2.46% |
| Q1 2026 | $522.3M | $639.8M | 14.42% | 9.35% | 2.52% |
| Q2 2026 | $582.7M | $702.1M | 13.46% | 10.23% | 2.42% |
First United Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First United 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 First United Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15472) · FFIEC NIC profile (RSSD 1011955)