Ubank: 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 78.30 percentage points higher than in Q1 2026, at 440.24%. Ubank ranks 49th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 90.61% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Ubank reported 90.61% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $856.9M |
| Net loans and leases | $846.7M |
| Loans held for sale | $0 |
| Loans to total assets | 81.89% |
| Loan-to-deposit ratio | 90.61% |
| Net loans to equity capital | 9.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.53% |
| Multifamily (5+ residential) | 9.82% |
| Commercial and industrial | 20.34% |
| Consumer | 0.82% |
| Credit cards | 0.00% |
| Farm | 4.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 440.24% |
| Construction concentration (Tier 1 capital + allowance) | 183.24% |
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 | 8.23% |
| Interest income on loans | $16.4M |
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 | $502.2M | $533.1M | 37.93% | 19.70% | 1.03% |
| Q4 2023 | $501.9M | $532.9M | 38.33% | 19.34% | 1.01% |
| Q1 2024 | $509.8M | $563.0M | 37.92% | 18.39% | 0.97% |
| Q2 2024 | $545.2M | $596.1M | 37.60% | 18.47% | 0.92% |
| Q3 2024 | $578.7M | $655.1M | 37.38% | 20.97% | 0.83% |
| Q4 2024 | $588.6M | $638.1M | 36.72% | 20.90% | 0.79% |
| Q1 2025 | $615.0M | $671.0M | 35.45% | 21.16% | 0.71% |
| Q2 2025 | $635.9M | $714.1M | 35.54% | 23.25% | 0.69% |
| Q3 2025 | $696.3M | $757.9M | 38.42% | 21.28% | 0.66% |
| Q4 2025 | $718.7M | $790.2M | 36.39% | 21.51% | 0.71% |
| Q1 2026 | $734.2M | $842.5M | 35.23% | 21.40% | 0.94% |
| Q2 2026 | $856.9M | $945.7M | 32.53% | 20.34% | 0.82% |
Ubank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ubank, 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 Ubank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18344) · FFIEC NIC profile (RSSD 917555)