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.
CRE concentration (Tier 1 capital + allowance) climbed 29.77 percentage points in Q2 2026, from 198.43% to 228.20%. It was the largest change from Q1 2026 among the key lines here. Union State Bank ranks 74th of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 51.67% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Union State Bank sits 28.89 points lower, at 51.67% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $99.0M |
| Net loans and leases | $98.1M |
| Loans held for sale | $0 |
| Loans to total assets | 46.61% |
| Loan-to-deposit ratio | 51.67% |
| Net loans to equity capital | 8.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.38% |
| Multifamily (5+ residential) | 5.11% |
| Commercial and industrial | 8.55% |
| Consumer | 2.18% |
| Credit cards | 0.00% |
| Farm | 0.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 228.20% |
| Construction concentration (Tier 1 capital + allowance) | 78.98% |
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 | $1.6M |
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 | $75.4M | $221.6M | 30.64% | 12.11% | 3.14% |
| Q4 2023 | $74.9M | $219.3M | 31.72% | 12.13% | 3.74% |
| Q1 2024 | $74.6M | $203.1M | 34.98% | 12.00% | 3.63% |
| Q2 2024 | $78.7M | $209.5M | 38.75% | 10.90% | 3.42% |
| Q3 2024 | $79.7M | $203.5M | 37.85% | 11.08% | 3.12% |
| Q4 2024 | $76.4M | $218.2M | 40.95% | 10.42% | 3.20% |
| Q1 2025 | $78.2M | $209.7M | 41.98% | 9.20% | 3.23% |
| Q2 2025 | $82.3M | $206.9M | 40.95% | 10.68% | 4.03% |
| Q3 2025 | $83.8M | $202.0M | 41.31% | 10.03% | 2.58% |
| Q4 2025 | $85.1M | $204.7M | 44.97% | 9.71% | 2.60% |
| Q1 2026 | $90.2M | $189.2M | 43.64% | 8.90% | 2.39% |
| Q2 2026 | $99.0M | $191.7M | 44.38% | 8.55% | 2.18% |
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 5602) · FFIEC NIC profile (RSSD 467733)