United 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 5.70 percentage points lower than in Q1 2026, at 83.57%. United Bank ranks 18th of 56 Virginia banks on loan-to-deposit ratio, in the upper half at 91.56% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. United Bank sits 4.72 points higher, at 91.56% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $25.03B |
| Net loans and leases | $24.73B |
| Loans held for sale | $35.2M |
| Loans to total assets | 74.41% |
| Loan-to-deposit ratio | 91.56% |
| Net loans to equity capital | 4.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.68% |
| Multifamily (5+ residential) | 9.74% |
| Commercial and industrial | 10.09% |
| Consumer | 3.16% |
| Credit cards | 0.04% |
| Farm | 0.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.98% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 308.26% |
| Construction concentration (Tier 1 capital + allowance) | 83.57% |
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 | 5.93% |
| Interest income on loans | $369.6M |
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 | $21.16B | $22.93B | 32.62% | 11.86% | 5.38% |
| Q4 2023 | $21.42B | $23.06B | 31.60% | 11.47% | 4.96% |
| Q1 2024 | $21.56B | $23.16B | 31.88% | 11.10% | 4.60% |
| Q2 2024 | $21.67B | $23.31B | 32.37% | 10.81% | 4.24% |
| Q3 2024 | $21.67B | $24.07B | 32.04% | 9.63% | 3.88% |
| Q4 2024 | $21.72B | $24.21B | 31.61% | 9.67% | 3.60% |
| Q1 2025 | $23.89B | $26.59B | 33.43% | 9.42% | 3.14% |
| Q2 2025 | $24.09B | $26.55B | 32.91% | 9.55% | 3.19% |
| Q3 2025 | $24.54B | $27.08B | 33.45% | 9.46% | 3.18% |
| Q4 2025 | $24.74B | $27.25B | 32.68% | 9.89% | 3.14% |
| Q1 2026 | $24.89B | $27.30B | 32.87% | 9.86% | 3.09% |
| Q2 2026 | $25.03B | $27.34B | 33.68% | 10.09% | 3.16% |
United Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United 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 United Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22858) · FFIEC NIC profile (RSSD 365325)