Union Savings and Loan Association: 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): 11.30 percentage points lower than in Q1 2026, at 61.92%. Union Savings and Loan Association ranks 30th of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 90.70% (Q2 2026). Union Savings and Loan Association reported 90.70% on loan-to-deposit ratio for Q2 2026, 9.75 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $211.9M |
| Net loans and leases | $209.5M |
| Loans held for sale | $885K |
| Loans to total assets | 80.96% |
| Loan-to-deposit ratio | 90.70% |
| Net loans to equity capital | 7.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.09% |
| Multifamily (5+ residential) | 5.40% |
| Commercial and industrial | 5.78% |
| Consumer | 7.32% |
| Credit cards | 0.00% |
| Farm | 5.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 100.65% |
| Construction concentration (Tier 1 capital + allowance) | 61.92% |
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 | 6.94% |
| Interest income on loans | $3.7M |
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 | $192.4M | $209.9M | 7.73% | 4.10% | 14.25% |
| Q4 2023 | $193.7M | $213.5M | 7.83% | 3.69% | 13.52% |
| Q1 2024 | $194.0M | $219.8M | 7.65% | 3.73% | 13.05% |
| Q2 2024 | $201.0M | $216.6M | 7.14% | 3.59% | 12.03% |
| Q3 2024 | $201.7M | $217.2M | 6.78% | 3.98% | 11.35% |
| Q4 2024 | $203.5M | $223.5M | 6.96% | 4.37% | 10.59% |
| Q1 2025 | $208.1M | $231.1M | 6.86% | 4.57% | 9.76% |
| Q2 2025 | $208.3M | $223.7M | 6.18% | 4.70% | 9.70% |
| Q3 2025 | $215.0M | $230.6M | 6.76% | 4.35% | 8.41% |
| Q4 2025 | $218.1M | $230.9M | 6.77% | 5.26% | 7.89% |
| Q1 2026 | $214.5M | $234.4M | 6.82% | 5.84% | 7.46% |
| Q2 2026 | $211.9M | $233.7M | 7.09% | 5.78% | 7.32% |
Union Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Union Savings and Loan Association, 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 Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29933) · FFIEC NIC profile (RSSD 677970)