Union Bank & 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 10.36 percentage points in Q2 2026, from 142.96% to 153.32%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Union Bank & Trust Company is 37th of 78 on loan-to-deposit ratio, 87.36% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Union Bank & Trust Company sits 6.52 points higher, at 87.36% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $280.3M |
| Net loans and leases | $275.3M |
| Loans held for sale | $0 |
| Loans to total assets | 78.78% |
| Loan-to-deposit ratio | 87.36% |
| Net loans to equity capital | 8.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.68% |
| Multifamily (5+ residential) | 3.44% |
| Commercial and industrial | 20.25% |
| Consumer | 5.92% |
| Credit cards | 0.00% |
| Farm | 2.82% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 153.32% |
| Construction concentration (Tier 1 capital + allowance) | 80.99% |
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 | 6.90% |
| Interest income on loans | $4.7M |
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 | $226.3M | $254.1M | 21.13% | 20.86% | 6.41% |
| Q4 2023 | $223.1M | $249.5M | 24.25% | 21.05% | 6.60% |
| Q1 2024 | $227.2M | $283.3M | 23.52% | 21.92% | 6.82% |
| Q2 2024 | $243.2M | $272.9M | 22.87% | 26.14% | 6.68% |
| Q3 2024 | $246.7M | $279.3M | 22.78% | 25.42% | 6.77% |
| Q4 2024 | $244.2M | $287.4M | 23.56% | 24.18% | 7.08% |
| Q1 2025 | $248.1M | $284.3M | 25.08% | 23.30% | 6.74% |
| Q2 2025 | $256.4M | $293.6M | 24.14% | 22.24% | 6.44% |
| Q3 2025 | $262.2M | $300.4M | 24.45% | 22.09% | 6.24% |
| Q4 2025 | $268.7M | $309.1M | 25.24% | 22.10% | 6.38% |
| Q1 2026 | $266.3M | $295.2M | 25.43% | 21.86% | 6.10% |
| Q2 2026 | $280.3M | $320.8M | 25.68% | 20.25% | 5.92% |
Union Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Union Bank & 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1753) · FFIEC NIC profile (RSSD 22048)