Union State 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 9.25 percentage points lower than in Q1 2026, at 23.53%. Within Iowa, Union State Bank is 166th of 225 on loan-to-deposit ratio, 69.00% as of Q2 2026, below the middle of the field. Union State Bank reported 69.00% on loan-to-deposit ratio for Q2 2026, 11.84 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $86.5M |
| Net loans and leases | $85.9M |
| Loans held for sale | $0 |
| Loans to total assets | 63.36% |
| Loan-to-deposit ratio | 69.00% |
| Net loans to equity capital | 8.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.87% |
| Multifamily (5+ residential) | 4.62% |
| Commercial and industrial | 8.23% |
| Consumer | 1.44% |
| Credit cards | 0.00% |
| Farm | 12.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 78.80% |
| Construction concentration (Tier 1 capital + allowance) | 23.53% |
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 | 6.53% |
| Interest income on loans | $1.4M |
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 | $81.0M | $122.7M | 13.04% | 7.57% | 2.97% |
| Q4 2023 | $82.8M | $118.2M | 13.56% | 7.56% | 2.72% |
| Q1 2024 | $82.5M | $134.4M | 13.75% | 8.54% | 2.47% |
| Q2 2024 | $83.0M | $120.9M | 13.53% | 8.06% | 2.37% |
| Q3 2024 | $83.9M | $136.4M | 13.27% | 7.81% | 2.12% |
| Q4 2024 | $85.1M | $121.6M | 12.85% | 8.76% | 1.96% |
| Q1 2025 | $84.3M | $128.6M | 12.55% | 9.52% | 1.78% |
| Q2 2025 | $85.9M | $116.2M | 11.10% | 10.57% | 1.71% |
| Q3 2025 | $86.7M | $116.2M | 13.75% | 7.45% | 1.81% |
| Q4 2025 | $85.6M | $124.9M | 12.87% | 8.59% | 1.70% |
| Q1 2026 | $84.2M | $135.1M | 13.01% | 9.28% | 1.37% |
| Q2 2026 | $86.5M | $125.3M | 12.87% | 8.23% | 1.44% |
Union State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Union State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14982) · FFIEC NIC profile (RSSD 148340)