Union 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) dropped 11.84 percentage points in Q2 2026, from 320.58% to 308.74%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, Union Bank is 8th of 72 on loan-to-deposit ratio, 101.88% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Union Bank sits 21.33 points higher, at 101.88% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $319.4M |
| Net loans and leases | $315.3M |
| Loans held for sale | $0 |
| Loans to total assets | 80.52% |
| Loan-to-deposit ratio | 101.88% |
| Net loans to equity capital | 9.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.81% |
| Multifamily (5+ residential) | 1.63% |
| Commercial and industrial | 10.31% |
| Consumer | 2.27% |
| Credit cards | 0.00% |
| Farm | 4.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 308.74% |
| Construction concentration (Tier 1 capital + allowance) | 63.30% |
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 | 6.61% |
| Interest income on loans | $5.3M |
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 | $235.1M | $292.3M | 42.94% | 14.05% | 1.49% |
| Q4 2023 | $246.0M | $299.3M | 42.19% | 13.48% | 1.42% |
| Q1 2024 | $260.3M | $285.2M | 41.73% | 13.61% | 1.52% |
| Q2 2024 | $267.8M | $287.1M | 44.25% | 12.49% | 1.49% |
| Q3 2024 | $277.6M | $297.2M | 47.52% | 12.41% | 1.48% |
| Q4 2024 | $279.5M | $309.8M | 49.51% | 11.22% | 1.40% |
| Q1 2025 | $285.1M | $297.1M | 51.59% | 10.51% | 1.22% |
| Q2 2025 | $296.9M | $299.7M | 53.93% | 10.11% | 1.21% |
| Q3 2025 | $300.6M | $306.3M | 53.78% | 11.04% | 1.36% |
| Q4 2025 | $306.0M | $319.2M | 51.33% | 10.71% | 1.89% |
| Q1 2026 | $315.0M | $304.4M | 51.95% | 9.71% | 2.14% |
| Q2 2026 | $319.4M | $313.5M | 49.81% | 10.31% | 2.27% |
Union Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Union 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 Union Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14722) · FFIEC NIC profile (RSSD 390840)