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 20.80 percentage points in Q2 2026, from 78.69% to 99.49%. It was the largest change from Q1 2026 among the key lines here. Union Savings Bank ranks 205th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 69.91% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Union Savings Bank sits 10.93 points lower, at 69.91% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $116.1M |
| Net loans and leases | $115.2M |
| Loans held for sale | $0 |
| Loans to total assets | 63.79% |
| Loan-to-deposit ratio | 69.91% |
| Net loans to equity capital | 7.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.79% |
| Multifamily (5+ residential) | 4.64% |
| Commercial and industrial | 7.89% |
| Consumer | 1.00% |
| Credit cards | 0.00% |
| Farm | 3.71% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 99.49% |
| Construction concentration (Tier 1 capital + allowance) | 3.63% |
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 | 6.08% |
| Interest income on loans | $1.8M |
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 | $111.8M | $172.6M | 16.25% | 8.78% | 1.63% |
| Q4 2023 | $110.8M | $173.5M | 17.38% | 8.70% | 1.65% |
| Q1 2024 | $115.9M | $173.0M | 18.05% | 8.07% | 1.69% |
| Q2 2024 | $114.9M | $167.3M | 18.60% | 7.85% | 1.69% |
| Q3 2024 | $113.1M | $160.7M | 19.61% | 7.55% | 1.64% |
| Q4 2024 | $110.1M | $166.4M | 20.75% | 7.39% | 1.55% |
| Q1 2025 | $111.2M | $168.7M | 22.30% | 6.80% | 1.58% |
| Q2 2025 | $113.0M | $169.8M | 24.72% | 6.41% | 1.58% |
| Q3 2025 | $113.2M | $163.1M | 24.85% | 6.74% | 1.48% |
| Q4 2025 | $115.2M | $164.5M | 25.18% | 7.25% | 1.18% |
| Q1 2026 | $115.4M | $167.1M | 25.30% | 7.37% | 1.09% |
| Q2 2026 | $116.1M | $166.1M | 24.79% | 7.89% | 1.00% |
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 29121) · FFIEC NIC profile (RSSD 817477)