Union 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 5.05 percentage points in Q2 2026, from 311.20% to 316.24%. It was the largest change from Q1 2026 among the key lines here. Within Connecticut, Union Savings Bank is 17th of 27 on loan-to-deposit ratio, 93.58% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Union Savings Bank sits 5.38 points higher, at 93.58% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.39B |
| Net loans and leases | $2.36B |
| Loans held for sale | $0 |
| Loans to total assets | 72.24% |
| Loan-to-deposit ratio | 93.58% |
| Net loans to equity capital | 7.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.01% |
| Multifamily (5+ residential) | 12.33% |
| Commercial and industrial | 1.33% |
| Consumer | 0.43% |
| 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) | 316.24% |
| Construction concentration (Tier 1 capital + allowance) | 25.97% |
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 | 5.40% |
| Interest income on loans | $31.6M |
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 | $1.88B | $2.16B | 46.47% | 1.57% | 0.23% |
| Q4 2023 | $1.94B | $2.19B | 45.87% | 1.75% | 0.22% |
| Q1 2024 | $1.95B | $2.22B | 45.43% | 1.61% | 0.21% |
| Q2 2024 | $1.99B | $2.27B | 45.26% | 1.41% | 0.30% |
| Q3 2024 | $2.04B | $2.25B | 44.48% | 1.38% | 0.31% |
| Q4 2024 | $2.13B | $2.33B | 46.23% | 1.35% | 0.27% |
| Q1 2025 | $2.16B | $2.36B | 45.63% | 1.40% | 0.24% |
| Q2 2025 | $2.22B | $2.40B | 44.73% | 1.41% | 0.31% |
| Q3 2025 | $2.28B | $2.35B | 45.60% | 1.35% | 0.30% |
| Q4 2025 | $2.32B | $2.48B | 45.42% | 1.44% | 0.30% |
| Q1 2026 | $2.32B | $2.52B | 44.62% | 1.34% | 0.32% |
| Q2 2026 | $2.39B | $2.55B | 45.01% | 1.33% | 0.43% |
Union Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Union 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18190) · FFIEC NIC profile (RSSD 443205)