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 CRE concentration (Tier 1 capital + allowance): 3.44 percentage points lower than in Q1 2026, at 121.78%. On loan-to-deposit ratio, United Bank is 12th from the bottom among 122 Georgia banks, 50.29% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. United Bank sits 37.92 points lower, at 50.29% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $946.5M |
| Net loans and leases | $927.3M |
| Loans held for sale | $1.6M |
| Loans to total assets | 43.84% |
| Loan-to-deposit ratio | 50.29% |
| Net loans to equity capital | 3.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.76% |
| Multifamily (5+ residential) | 1.29% |
| Commercial and industrial | 6.39% |
| Consumer | 5.69% |
| Credit cards | 0.33% |
| Farm | 0.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.25% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 121.78% |
| Construction concentration (Tier 1 capital + allowance) | 67.57% |
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 | 7.76% |
| Interest income on loans | $18.3M |
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 | $859.5M | $1.95B | 29.34% | 7.41% | 7.41% |
| Q4 2023 | $869.6M | $2.00B | 29.94% | 7.00% | 8.35% |
| Q1 2024 | $854.8M | $1.90B | 29.32% | 7.31% | 8.08% |
| Q2 2024 | $869.8M | $1.88B | 29.05% | 7.23% | 7.65% |
| Q3 2024 | $881.7M | $1.83B | 29.48% | 7.18% | 7.20% |
| Q4 2024 | $902.2M | $1.96B | 28.71% | 6.89% | 8.13% |
| Q1 2025 | $927.2M | $1.86B | 29.46% | 6.41% | 7.57% |
| Q2 2025 | $922.2M | $1.88B | 30.03% | 6.73% | 7.18% |
| Q3 2025 | $939.0M | $1.89B | 31.51% | 6.58% | 6.73% |
| Q4 2025 | $931.2M | $2.07B | 30.33% | 6.50% | 6.45% |
| Q1 2026 | $935.1M | $1.95B | 29.46% | 6.53% | 6.05% |
| Q2 2026 | $946.5M | $1.88B | 30.76% | 6.39% | 5.69% |
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 172) · FFIEC NIC profile (RSSD 37435)