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.
Loan-to-deposit ratio dropped 0.98 percentage points in Q2 2026, from 50.39% to 49.42%. It was the largest change from Q1 2026 among the key lines here. Union State Bank ranks 160th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 49.42% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Union State Bank sits 17.91 points lower, at 49.42% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $19.3M |
| Net loans and leases | $18.6M |
| Loans held for sale | $0 |
| Loans to total assets | 43.62% |
| Loan-to-deposit ratio | 49.42% |
| Net loans to equity capital | 3.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.77% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 13.25% |
| Consumer | 7.68% |
| Credit cards | 0.00% |
| Farm | 18.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 2.18% |
| Construction concentration (Tier 1 capital + allowance) | 2.18% |
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 | 7.20% |
| Interest income on loans | $346K |
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 | $13.3M | $32.2M | 1.87% | 24.47% | 9.88% |
| Q4 2023 | $16.0M | $32.3M | 1.52% | 17.64% | 8.32% |
| Q1 2024 | $14.7M | $33.1M | 1.43% | 19.41% | 8.70% |
| Q2 2024 | $14.7M | $33.2M | 1.39% | 20.62% | 9.96% |
| Q3 2024 | $14.7M | $34.0M | 1.37% | 21.43% | 9.40% |
| Q4 2024 | $17.1M | $34.2M | 1.45% | 16.87% | 7.75% |
| Q1 2025 | $16.8M | $35.9M | 1.42% | 17.06% | 8.38% |
| Q2 2025 | $16.9M | $34.9M | 1.40% | 17.04% | 8.36% |
| Q3 2025 | $16.9M | $34.8M | 2.15% | 16.05% | 8.80% |
| Q4 2025 | $20.2M | $36.8M | 1.74% | 13.98% | 7.11% |
| Q1 2026 | $19.2M | $38.0M | 1.82% | 14.00% | 7.57% |
| Q2 2026 | $19.3M | $39.1M | 1.77% | 13.25% | 7.68% |
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 15098) · FFIEC NIC profile (RSSD 866251)