The Union Bank 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) dropped 40.70 percentage points in Q2 2026, from 269.38% to 228.68%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Union Bank Company is 114th of 156 on loan-to-deposit ratio, 72.46% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Union Bank Company sits 15.74 points lower, at 72.46% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $863.5M |
| Net loans and leases | $854.5M |
| Loans held for sale | $1.7M |
| Loans to total assets | 59.80% |
| Loan-to-deposit ratio | 72.46% |
| Net loans to equity capital | 5.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.64% |
| Multifamily (5+ residential) | 13.94% |
| Commercial and industrial | 6.94% |
| Consumer | 4.95% |
| Credit cards | 0.00% |
| Farm | 6.79% |
| Loans to depository institutions | 0.10% |
| State and political subdivisions | 0.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 228.68% |
| Construction concentration (Tier 1 capital + allowance) | 53.57% |
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 | 6.47% |
| Interest income on loans | $13.9M |
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 | $703.0M | $977.6M | 27.66% | 7.80% | 0.69% |
| Q4 2023 | $708.8M | $953.0M | 28.61% | 7.86% | 0.63% |
| Q1 2024 | $705.1M | $949.0M | 29.03% | 7.77% | 1.54% |
| Q2 2024 | $720.9M | $1.03B | 27.83% | 7.87% | 2.41% |
| Q3 2024 | $722.3M | $1.11B | 27.15% | 7.98% | 2.27% |
| Q4 2024 | $767.0M | $1.07B | 27.85% | 8.18% | 3.68% |
| Q1 2025 | $784.9M | $1.08B | 27.80% | 8.42% | 3.97% |
| Q2 2025 | $789.3M | $1.08B | 26.33% | 8.11% | 4.21% |
| Q3 2025 | $804.9M | $1.07B | 25.96% | 7.36% | 4.19% |
| Q4 2025 | $825.1M | $1.06B | 25.07% | 7.52% | 4.67% |
| Q1 2026 | $853.2M | $1.09B | 25.67% | 7.87% | 5.38% |
| Q2 2026 | $863.5M | $1.19B | 26.64% | 6.94% | 4.95% |
The Union Bank Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Union Bank 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 The Union Bank Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12969) · FFIEC NIC profile (RSSD 780218)