Unibank: 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): 21.34 percentage points higher than in Q1 2026, at 365.20%. Unibank ranks 21st of 29 Washington banks on loan-to-deposit ratio, in the lower half at 83.95% (Q2 2026). Unibank reported 83.95% on loan-to-deposit ratio for Q2 2026, 3.39 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $270.8M |
| Net loans and leases | $267.8M |
| Loans held for sale | $0 |
| Loans to total assets | 68.90% |
| Loan-to-deposit ratio | 83.95% |
| Net loans to equity capital | 9.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 62.00% |
| Multifamily (5+ residential) | 4.27% |
| Commercial and industrial | 4.13% |
| Consumer | 0.01% |
| 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) | 365.20% |
| Construction concentration (Tier 1 capital + allowance) | 1.87% |
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 | 6.05% |
| Interest income on loans | $4.1M |
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 | $482.1M | $522.2M | 51.96% | 15.54% | 0.01% |
| Q4 2023 | $490.6M | $514.5M | 49.36% | 15.56% | 0.02% |
| Q1 2024 | $477.2M | $475.0M | 49.78% | 12.87% | 0.02% |
| Q2 2024 | $459.2M | $452.0M | 49.02% | 12.73% | 0.02% |
| Q3 2024 | $430.5M | $468.5M | 51.02% | 8.91% | 0.02% |
| Q4 2024 | $395.8M | $439.9M | 53.96% | 4.78% | 0.02% |
| Q1 2025 | $366.4M | $383.6M | 54.34% | 4.18% | 0.01% |
| Q2 2025 | $318.1M | $359.1M | 54.69% | 3.84% | 0.01% |
| Q3 2025 | $301.3M | $344.9M | 56.59% | 3.63% | 0.01% |
| Q4 2025 | $286.2M | $338.0M | 58.84% | 3.47% | 0.01% |
| Q1 2026 | $266.7M | $332.0M | 60.75% | 3.68% | 0.01% |
| Q2 2026 | $270.8M | $322.6M | 62.00% | 4.13% | 0.01% |
Unibank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Unibank, 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 Unibank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58407) · FFIEC NIC profile (RSSD 3487947)