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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 4.96 percentage points lower than in Q1 2026, at 9.29%. Union Bank & Trust Company ranks 67th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 79.85% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Union Bank & Trust Company sits 12.23 points higher, at 79.85% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $67.9M |
| Net loans and leases | $66.7M |
| Loans held for sale | $0 |
| Loans to total assets | 69.22% |
| Loan-to-deposit ratio | 79.85% |
| Net loans to equity capital | 5.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.03% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.23% |
| Consumer | 6.85% |
| Credit cards | 0.00% |
| Farm | 6.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 25.43% |
| Construction concentration (Tier 1 capital + allowance) | 9.29% |
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 | — |
| Interest income on loans | $1.3M |
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 | $65.0M | $85.2M | 9.67% | 8.71% | 9.50% |
| Q4 2023 | $64.0M | $87.2M | 10.32% | 8.86% | 9.37% |
| Q1 2024 | $65.3M | $81.6M | 10.11% | 8.91% | 9.21% |
| Q2 2024 | $65.4M | $83.8M | 9.96% | 8.18% | 8.80% |
| Q3 2024 | $64.9M | $83.8M | 8.32% | 6.68% | 9.09% |
| Q4 2024 | $64.6M | $82.2M | 8.42% | 6.38% | 8.28% |
| Q1 2025 | $66.7M | $83.9M | 9.87% | 5.64% | 7.98% |
| Q2 2025 | $66.8M | $84.3M | 9.40% | 5.30% | 7.95% |
| Q3 2025 | $69.6M | $81.2M | 8.92% | 5.51% | 7.95% |
| Q4 2025 | $70.0M | $81.5M | 8.11% | 5.50% | 7.29% |
| Q1 2026 | $66.3M | $85.6M | 7.79% | 5.17% | 7.06% |
| Q2 2026 | $67.9M | $85.0M | 9.03% | 5.23% | 6.85% |
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 9179) · FFIEC NIC profile (RSSD 80431)