Union Bank and Trust Company: 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): 11.88 percentage points lower than in Q1 2026, at 232.28%. Within Nebraska, Union Bank and Trust Company is 31st of 138 on loan-to-deposit ratio, 93.09% as of Q2 2026, above the middle of the field. Union Bank and Trust Company reported 93.09% on loan-to-deposit ratio for Q2 2026, 4.89 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $7.00B |
| Net loans and leases | $6.89B |
| Loans held for sale | $23.1M |
| Loans to total assets | 75.74% |
| Loan-to-deposit ratio | 93.09% |
| Net loans to equity capital | 6.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.61% |
| Multifamily (5+ residential) | 5.06% |
| Commercial and industrial | 19.08% |
| Consumer | 9.20% |
| Credit cards | 0.29% |
| Farm | 6.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 232.28% |
| Construction concentration (Tier 1 capital + allowance) | 64.36% |
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 | 6.10% |
| Interest income on loans | $106.7M |
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 | $5.95B | $6.06B | 34.07% | 21.41% | 9.07% |
| Q4 2023 | $6.10B | $6.87B | 33.47% | 20.89% | 9.03% |
| Q1 2024 | $6.27B | $6.67B | 33.39% | 20.89% | 8.84% |
| Q2 2024 | $6.30B | $6.59B | 34.17% | 20.64% | 8.98% |
| Q3 2024 | $6.33B | $6.93B | 34.33% | 20.16% | 9.06% |
| Q4 2024 | $6.43B | $7.49B | 34.56% | 20.52% | 8.83% |
| Q1 2025 | $6.52B | $7.41B | 35.18% | 20.77% | 8.77% |
| Q2 2025 | $6.67B | $7.35B | 34.17% | 20.84% | 8.91% |
| Q3 2025 | $6.73B | $7.41B | 35.10% | 19.26% | 9.13% |
| Q4 2025 | $6.85B | $7.73B | 34.70% | 19.20% | 9.11% |
| Q1 2026 | $6.97B | $7.59B | 35.16% | 19.21% | 9.00% |
| Q2 2026 | $7.00B | $7.52B | 34.61% | 19.08% | 9.20% |
Union Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Union Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13421) · FFIEC NIC profile (RSSD 450856)