Oneunited 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 14.87 percentage points in Q2 2026, from 579.57% to 594.44%. It was the largest change from Q1 2026 among the key lines here. Oneunited Bank ranks 76th of 89 Massachusetts banks on loan-to-deposit ratio, in the lower half at 80.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Oneunited Bank reported 80.00% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $409.4M |
| Net loans and leases | $407.8M |
| Loans held for sale | $0 |
| Loans to total assets | 64.17% |
| Loan-to-deposit ratio | 80.00% |
| Net loans to equity capital | 6.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.43% |
| Multifamily (5+ residential) | 97.37% |
| Commercial and industrial | 0.00% |
| Consumer | 0.31% |
| Credit cards | 0.14% |
| 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) | 594.44% |
| 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
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.35% |
| Interest income on loans | $4.4M |
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 | $448.1M | $511.7M | 0.76% | 0.00% | 0.52% |
| Q4 2023 | $440.3M | $494.0M | 0.77% | 0.00% | 0.52% |
| Q1 2024 | $440.5M | $505.1M | 0.43% | 0.00% | 0.46% |
| Q2 2024 | $433.6M | $511.5M | 0.43% | 0.00% | 0.46% |
| Q3 2024 | $421.2M | $507.2M | 0.44% | 0.00% | 0.45% |
| Q4 2024 | $409.7M | $512.5M | 0.44% | 0.00% | 0.44% |
| Q1 2025 | $411.5M | $518.2M | 0.43% | 0.00% | 0.38% |
| Q2 2025 | $408.5M | $517.4M | 0.43% | 0.00% | 0.40% |
| Q3 2025 | $409.3M | $530.7M | 0.42% | 0.00% | 0.39% |
| Q4 2025 | $403.2M | $517.0M | 0.38% | 0.00% | 0.35% |
| Q1 2026 | $405.3M | $481.9M | 0.45% | 0.00% | 0.32% |
| Q2 2026 | $409.4M | $511.7M | 0.43% | 0.00% | 0.31% |
Oneunited Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Oneunited 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 Oneunited Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23966) · FFIEC NIC profile (RSSD 935308)