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.
Loans held for sale dropped 26.8% in Q2 2026, from $136.1M to $99.7M. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Union Savings Bank is 18th of 156 on loan-to-deposit ratio, 100.54% as of Q2 2026, above the middle of the field. Union Savings Bank reported 100.54% on loan-to-deposit ratio for Q2 2026, 12.34 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.55B |
| Net loans and leases | $3.53B |
| Loans held for sale | $99.7M |
| Loans to total assets | 88.42% |
| Loan-to-deposit ratio | 100.54% |
| Net loans to equity capital | 8.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.78% |
| Multifamily (5+ residential) | 3.24% |
| Commercial and industrial | 0.71% |
| Consumer | 0.15% |
| Credit cards | 0.00% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 119.91% |
| Construction concentration (Tier 1 capital + allowance) | 38.54% |
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 | 5.81% |
| Interest income on loans | $51.5M |
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 | $3.39B | $2.91B | 6.87% | 0.89% | 0.18% |
| Q4 2023 | $3.45B | $3.05B | 7.05% | 0.65% | 0.19% |
| Q1 2024 | $3.44B | $3.11B | 7.10% | 0.67% | 0.17% |
| Q2 2024 | $3.49B | $3.17B | 6.98% | 0.67% | 0.14% |
| Q3 2024 | $3.48B | $3.28B | 6.87% | 0.65% | 0.17% |
| Q4 2024 | $3.44B | $3.41B | 6.71% | 0.65% | 0.17% |
| Q1 2025 | $3.47B | $3.43B | 6.46% | 0.64% | 0.17% |
| Q2 2025 | $3.58B | $3.37B | 6.39% | 0.65% | 0.17% |
| Q3 2025 | $3.62B | $3.41B | 6.83% | 0.60% | 0.17% |
| Q4 2025 | $3.57B | $3.48B | 6.49% | 0.71% | 0.13% |
| Q1 2026 | $3.54B | $3.49B | 6.56% | 0.73% | 0.17% |
| Q2 2026 | $3.55B | $3.53B | 6.78% | 0.71% | 0.15% |
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 32296) · FFIEC NIC profile (RSSD 911973)