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) dropped 4.26 percentage points in Q2 2026, from 88.35% to 84.08%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Union State Bank is 148th of 225 on loan-to-deposit ratio, 74.11% as of Q2 2026, below the middle of the field. Union State Bank reported 74.11% on loan-to-deposit ratio for Q2 2026, 6.73 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $105.6M |
| Net loans and leases | $104.8M |
| Loans held for sale | $0 |
| Loans to total assets | 62.61% |
| Loan-to-deposit ratio | 74.11% |
| Net loans to equity capital | 4.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.02% |
| Multifamily (5+ residential) | 1.21% |
| Commercial and industrial | 7.37% |
| Consumer | 2.41% |
| Credit cards | 0.00% |
| Farm | 33.89% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 84.08% |
| Construction concentration (Tier 1 capital + allowance) | 1.27% |
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 | 6.62% |
| Interest income on loans | $1.7M |
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 | $69.1M | $74.2M | 6.75% | 7.67% | 2.28% |
| Q4 2023 | $68.4M | $77.3M | 6.96% | 7.65% | 2.32% |
| Q1 2024 | $73.8M | $104.8M | 6.44% | 8.08% | 3.78% |
| Q2 2024 | $73.0M | $110.9M | 6.65% | 8.08% | 3.37% |
| Q3 2024 | $75.0M | $109.6M | 6.90% | 8.10% | 3.42% |
| Q4 2024 | $90.5M | $138.5M | 6.47% | 7.72% | 3.27% |
| Q1 2025 | $93.2M | $137.3M | 6.65% | 9.12% | 3.08% |
| Q2 2025 | $95.0M | $137.0M | 6.49% | 7.48% | 3.01% |
| Q3 2025 | $97.7M | $134.0M | 6.59% | 7.39% | 2.88% |
| Q4 2025 | $99.9M | $138.8M | 7.03% | 7.41% | 2.76% |
| Q1 2026 | $101.7M | $142.8M | 7.16% | 7.90% | 2.58% |
| Q2 2026 | $105.6M | $142.5M | 6.02% | 7.37% | 2.41% |
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 8499) · FFIEC NIC profile (RSSD 746942)