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.
Cre concentration (tier 1 capital + allowance) climbed 15.80 percentage points in Q2 2026, from 128.23% to 144.03%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Union Bank and Trust Company is 19th from the bottom among 221 Minnesota banks, 50.19% (Q2 2026). Union Bank and Trust Company reported 50.19% on loan-to-deposit ratio for Q2 2026, 30.75 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $115.9M |
| Net loans and leases | $113.5M |
| Loans held for sale | $0 |
| Loans to total assets | 45.73% |
| Loan-to-deposit ratio | 50.19% |
| Net loans to equity capital | 5.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 76.53% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 12.23% |
| Consumer | 0.03% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.42% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 144.03% |
| Construction concentration (Tier 1 capital + allowance) | 42.02% |
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 | 6.16% |
| Interest income on loans | $1.7M |
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 | $97.9M | $164.6M | 78.71% | 14.62% | 0.06% |
| Q4 2023 | $96.2M | $165.2M | 77.59% | 14.72% | 0.05% |
| Q1 2024 | $92.5M | $174.2M | 78.13% | 14.57% | 0.04% |
| Q2 2024 | $92.2M | $165.0M | 74.13% | 14.31% | 0.05% |
| Q3 2024 | $92.5M | $178.2M | 71.54% | 16.88% | 0.03% |
| Q4 2024 | $98.6M | $168.1M | 72.16% | 17.74% | 0.03% |
| Q1 2025 | $109.4M | $161.9M | 72.21% | 17.52% | 0.03% |
| Q2 2025 | $107.8M | $179.9M | 73.74% | 17.22% | 0.02% |
| Q3 2025 | $104.7M | $228.0M | 73.57% | 16.27% | 0.05% |
| Q4 2025 | $104.9M | $216.5M | 74.93% | 14.67% | 0.04% |
| Q1 2026 | $108.4M | $208.9M | 77.64% | 13.68% | 0.04% |
| Q2 2026 | $115.9M | $230.9M | 76.53% | 12.23% | 0.03% |
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 22242) · FFIEC NIC profile (RSSD 689759)