The Union Banking 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 Net loans to equity capital: 2.00 percentage points lower than in Q1 2026, at 6.45%. On loan-to-deposit ratio, The Union Banking Company is 4th from the bottom among 156 Ohio banks, 18.66% (Q2 2026). The Union Banking Company's loan-to-deposit ratio of 18.66% is well below the 67.62% median for banks in the < $100M asset tier, a gap of 48.96 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $8.5M |
| Net loans and leases | $8.4M |
| Loans held for sale | $0 |
| Loans to total assets | 15.54% |
| Loan-to-deposit ratio | 18.66% |
| Net loans to equity capital | 6.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.92% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.66% |
| Consumer | 1.22% |
| Credit cards | 0.00% |
| Farm | 18.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.55% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 13.62% |
| Construction concentration (Tier 1 capital + allowance) | 11.13% |
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 | 5.87% |
| Interest income on loans | $124K |
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 | $7.1M | $43.7M | 14.93% | 1.40% | 1.64% |
| Q4 2023 | $7.1M | $43.1M | 14.99% | 2.21% | 1.78% |
| Q1 2024 | $7.2M | $44.2M | 14.63% | 0.00% | 2.30% |
| Q2 2024 | $7.3M | $43.3M | 14.13% | 0.00% | 2.75% |
| Q3 2024 | $6.9M | $42.8M | 14.82% | 0.00% | 2.59% |
| Q4 2024 | $7.1M | $42.4M | 17.57% | 1.04% | 2.66% |
| Q1 2025 | $7.0M | $43.3M | 17.70% | 1.25% | 2.46% |
| Q2 2025 | $6.1M | $42.0M | 8.67% | 1.64% | 2.58% |
| Q3 2025 | $6.1M | $41.8M | 8.62% | 1.75% | 2.32% |
| Q4 2025 | $7.1M | $42.1M | 7.41% | 0.89% | 2.16% |
| Q1 2026 | $8.3M | $44.7M | 6.26% | 0.71% | 1.58% |
| Q2 2026 | $8.5M | $45.4M | 6.92% | 0.66% | 1.22% |
The Union Banking Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Union Banking 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 Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15326) · FFIEC NIC profile (RSSD 289225)