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 2.61 percentage points in Q2 2026, from 26.70% to 29.31%. It was the largest change from Q1 2026 among the key lines here. Union State Bank ranks 124th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 65.98% (Q2 2026). Union State Bank reported 65.98% on loan-to-deposit ratio for Q2 2026, 14.57 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $115.6M |
| Net loans and leases | $114.1M |
| Loans held for sale | $0 |
| Loans to total assets | 56.08% |
| Loan-to-deposit ratio | 65.98% |
| Net loans to equity capital | 6.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.93% |
| Multifamily (5+ residential) | 0.86% |
| Commercial and industrial | 8.53% |
| Consumer | 4.62% |
| Credit cards | 0.00% |
| Farm | 23.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.72% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 29.31% |
| Construction concentration (Tier 1 capital + allowance) | 5.53% |
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 | 6.29% |
| 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 | $112.6M | $149.4M | 16.67% | 5.09% | 3.94% |
| Q4 2023 | $114.6M | $157.2M | 16.27% | 6.53% | 3.95% |
| Q1 2024 | $111.1M | $153.3M | 16.60% | 6.93% | 3.95% |
| Q2 2024 | $115.3M | $154.6M | 15.82% | 7.12% | 4.06% |
| Q3 2024 | $118.6M | $153.1M | 15.64% | 7.62% | 4.12% |
| Q4 2024 | $119.7M | $160.0M | 15.40% | 7.49% | 3.93% |
| Q1 2025 | $116.1M | $165.1M | 15.98% | 7.31% | 4.05% |
| Q2 2025 | $122.1M | $167.7M | 15.03% | 8.15% | 3.75% |
| Q3 2025 | $119.8M | $167.6M | 14.97% | 8.41% | 4.20% |
| Q4 2025 | $119.0M | $170.2M | 13.91% | 8.46% | 4.19% |
| Q1 2026 | $115.2M | $168.4M | 13.20% | 8.37% | 4.30% |
| Q2 2026 | $115.6M | $175.2M | 13.93% | 8.53% | 4.62% |
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 15908) · FFIEC NIC profile (RSSD 865759)