Unified 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.
Construction concentration (tier 1 capital + allowance) climbed 9.90 percentage points in Q2 2026, from 19.41% to 29.30%. It was the largest change from Q1 2026 among the key lines here. Unified Bank ranks 116th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 70.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Unified Bank sits 10.15 points lower, at 70.69% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $496.3M |
| Net loans and leases | $492.0M |
| Loans held for sale | $0 |
| Loans to total assets | 56.93% |
| Loan-to-deposit ratio | 70.69% |
| Net loans to equity capital | 6.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.80% |
| Multifamily (5+ residential) | 8.97% |
| Commercial and industrial | 16.34% |
| Consumer | 1.19% |
| Credit cards | 0.00% |
| Farm | 0.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.90% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 183.07% |
| Construction concentration (Tier 1 capital + allowance) | 29.30% |
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 | 6.35% |
| Interest income on loans | $7.9M |
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 | $466.9M | $640.0M | 36.77% | 19.72% | 1.45% |
| Q4 2023 | $483.3M | $633.4M | 40.65% | 18.34% | 1.35% |
| Q1 2024 | $480.4M | $637.7M | 40.95% | 18.23% | 1.72% |
| Q2 2024 | $484.6M | $635.7M | 39.32% | 18.80% | 2.04% |
| Q3 2024 | $475.1M | $629.3M | 39.50% | 19.75% | 1.96% |
| Q4 2024 | $491.0M | $627.9M | 38.70% | 19.59% | 1.74% |
| Q1 2025 | $496.8M | $637.5M | 36.91% | 19.46% | 1.59% |
| Q2 2025 | $500.7M | $657.2M | 36.59% | 19.34% | 1.49% |
| Q3 2025 | $496.4M | $661.4M | 37.36% | 18.50% | 1.45% |
| Q4 2025 | $491.4M | $657.2M | 38.24% | 17.93% | 1.37% |
| Q1 2026 | $500.2M | $681.4M | 39.77% | 16.83% | 1.27% |
| Q2 2026 | $496.3M | $702.1M | 37.80% | 16.34% | 1.19% |
Unified Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Unified 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 Unified Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9463) · FFIEC NIC profile (RSSD 584724)