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 climbed 4.97 percentage points in Q2 2026, from 75.36% to 80.33%. It was the largest change from Q1 2026 among the key lines here. Union State Bank ranks 104th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 80.33% (Q2 2026). At 80.33%, Union State Bank's loan-to-deposit ratio is close to the 80.55% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $78.2M |
| Net loans and leases | $77.5M |
| Loans held for sale | $0 |
| Loans to total assets | 66.49% |
| Loan-to-deposit ratio | 80.33% |
| Net loans to equity capital | 6.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.68% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 11.09% |
| Consumer | 4.04% |
| Credit cards | 0.00% |
| Farm | 10.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.50% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 32.72% |
| Construction concentration (Tier 1 capital + allowance) | 23.51% |
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 | 6.95% |
| Interest income on loans | $1.3M |
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 | $68.1M | $91.2M | 16.05% | 8.83% | 5.00% |
| Q4 2023 | $68.9M | $96.0M | 16.90% | 9.00% | 5.13% |
| Q1 2024 | $70.4M | $91.8M | 17.30% | 9.96% | 5.05% |
| Q2 2024 | $69.9M | $92.3M | 16.56% | 11.04% | 5.24% |
| Q3 2024 | $72.2M | $92.3M | 16.47% | 11.95% | 4.87% |
| Q4 2024 | $72.2M | $96.1M | 16.09% | 11.01% | 4.73% |
| Q1 2025 | $70.2M | $94.7M | 16.76% | 11.11% | 4.91% |
| Q2 2025 | $73.0M | $93.2M | 15.91% | 11.39% | 4.60% |
| Q3 2025 | $73.5M | $93.7M | 18.28% | 10.09% | 4.62% |
| Q4 2025 | $76.8M | $104.0M | 17.24% | 9.67% | 4.49% |
| Q1 2026 | $74.6M | $99.0M | 16.75% | 9.51% | 4.34% |
| Q2 2026 | $78.2M | $97.4M | 16.68% | 11.09% | 4.04% |
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 14560) · FFIEC NIC profile (RSSD 903754)