Union County Savings Bank: 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 8.47 percentage points in Q2 2026, from 34.59% to 43.06%. It was the largest change from Q1 2026 among the key lines here. Union County Savings Bank has the 4th lowest loan-to-deposit ratio of the 49 banks headquartered in New Jersey, at 22.86% as of Q2 2026. Union County Savings Bank's loan-to-deposit ratio of 22.86% is well below the 88.20% median for banks in the $1B-10B asset tier, a gap of 65.34 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $308.6M |
| Net loans and leases | $306.6M |
| Loans held for sale | $0 |
| Loans to total assets | 20.87% |
| Loan-to-deposit ratio | 22.86% |
| Net loans to equity capital | -13.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.86% |
| Multifamily (5+ residential) | 5.28% |
| Commercial and industrial | 3.45% |
| Consumer | 0.26% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 43.06% |
| Construction concentration (Tier 1 capital + allowance) | 3.41% |
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 | $4.2M |
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 | $194.6M | $1.46B | 15.75% | 0.58% | 0.61% |
| Q4 2023 | $220.4M | $1.45B | 13.36% | 0.50% | 0.30% |
| Q1 2024 | $247.7M | $1.48B | 12.85% | 3.47% | 0.25% |
| Q2 2024 | $254.6M | $1.50B | 11.66% | 3.39% | 0.25% |
| Q3 2024 | $257.6M | $1.52B | 11.67% | 3.39% | 0.31% |
| Q4 2024 | $273.8M | $1.52B | 15.21% | 3.27% | 0.44% |
| Q1 2025 | $286.4M | $1.45B | 27.78% | 0.00% | 0.00% |
| Q2 2025 | $285.4M | $1.39B | 27.94% | 0.32% | 0.28% |
| Q3 2025 | $291.1M | $1.36B | 30.06% | 0.68% | 0.27% |
| Q4 2025 | $280.8M | $1.36B | 28.77% | 0.68% | 0.28% |
| Q1 2026 | $302.0M | $1.35B | 31.78% | 3.55% | 0.27% |
| Q2 2026 | $308.6M | $1.35B | 32.86% | 3.45% | 0.26% |
Union County Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Union County Savings Bank, 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 County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12013) · FFIEC NIC profile (RSSD 373601)