Union National 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) dropped 2.81 percentage points in Q2 2026, from 252.08% to 249.27%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Union National Bank is 50th of 323 on loan-to-deposit ratio, 92.50% 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 National Bank sits 11.66 points higher, at 92.50% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $348.7M |
| Net loans and leases | $345.1M |
| Loans held for sale | $0 |
| Loans to total assets | 82.67% |
| Loan-to-deposit ratio | 92.50% |
| Net loans to equity capital | 8.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 78.03% |
| Multifamily (5+ residential) | 3.43% |
| Commercial and industrial | 13.66% |
| Consumer | 0.03% |
| Credit cards | 0.00% |
| Farm | 0.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 249.27% |
| Construction concentration (Tier 1 capital + allowance) | 4.82% |
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 | 5.60% |
| Interest income on loans | $4.8M |
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 | $295.6M | $314.6M | 74.88% | 15.29% | 0.05% |
| Q4 2023 | $304.8M | $316.1M | 70.48% | 15.23% | 0.05% |
| Q1 2024 | $306.6M | $319.8M | 71.74% | 16.13% | 0.06% |
| Q2 2024 | $308.2M | $313.0M | 75.66% | 16.00% | 0.05% |
| Q3 2024 | $306.7M | $321.3M | 77.01% | 14.91% | 0.05% |
| Q4 2024 | $311.6M | $335.0M | 76.70% | 15.34% | 0.05% |
| Q1 2025 | $308.5M | $348.1M | 77.74% | 14.41% | 0.04% |
| Q2 2025 | $313.9M | $324.6M | 76.55% | 14.81% | 0.04% |
| Q3 2025 | $315.0M | $336.0M | 76.51% | 13.80% | 0.04% |
| Q4 2025 | $326.0M | $336.3M | 75.83% | 15.42% | 0.03% |
| Q1 2026 | $340.8M | $365.0M | 78.10% | 13.64% | 0.02% |
| Q2 2026 | $348.7M | $376.9M | 78.03% | 13.66% | 0.03% |
Union National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Union National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3661) · FFIEC NIC profile (RSSD 963730)