Unico 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 1.51 percentage points lower than in Q1 2026, at 233.47%. Unico Bank ranks 76th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 89.20% (Q2 2026). Unico Bank reported 89.20% on loan-to-deposit ratio for Q2 2026, 8.36 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $407.3M |
| Net loans and leases | $402.7M |
| Loans held for sale | $0 |
| Loans to total assets | 81.03% |
| Loan-to-deposit ratio | 89.20% |
| Net loans to equity capital | 9.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.94% |
| Multifamily (5+ residential) | 7.98% |
| Commercial and industrial | 8.03% |
| Consumer | 4.30% |
| Credit cards | 0.00% |
| Farm | 4.80% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 233.47% |
| Construction concentration (Tier 1 capital + allowance) | 90.66% |
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 | 6.79% |
| Interest income on loans | $6.9M |
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 | $399.4M | $419.0M | 22.26% | 8.39% | 6.77% |
| Q4 2023 | $408.5M | $433.0M | 23.01% | 8.21% | 6.64% |
| Q1 2024 | $413.1M | $442.0M | 22.72% | 8.39% | 6.52% |
| Q2 2024 | $428.2M | $447.5M | 21.85% | 8.41% | 6.13% |
| Q3 2024 | $429.8M | $456.9M | 21.79% | 7.72% | 5.87% |
| Q4 2024 | $417.2M | $466.5M | 22.31% | 7.93% | 5.68% |
| Q1 2025 | $413.2M | $476.1M | 22.58% | 7.52% | 5.38% |
| Q2 2025 | $414.9M | $470.7M | 23.51% | 7.35% | 5.28% |
| Q3 2025 | $415.7M | $457.3M | 23.03% | 7.77% | 4.97% |
| Q4 2025 | $412.2M | $459.2M | 23.56% | 8.43% | 4.65% |
| Q1 2026 | $407.7M | $449.8M | 23.86% | 8.03% | 4.55% |
| Q2 2026 | $407.3M | $456.6M | 23.94% | 8.03% | 4.30% |
Unico Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Unico 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 Unico Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10608) · FFIEC NIC profile (RSSD 975153)