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): 12.46 percentage points lower than in Q1 2026, at 268.19%. United Bank ranks 20th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 95.13% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. United Bank sits 14.18 points higher, at 95.13% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $247.6M |
| Net loans and leases | $243.7M |
| Loans held for sale | $0 |
| Loans to total assets | 83.65% |
| Loan-to-deposit ratio | 95.13% |
| Net loans to equity capital | 7.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.76% |
| Multifamily (5+ residential) | 2.74% |
| Commercial and industrial | 7.14% |
| Consumer | 8.41% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 268.19% |
| Construction concentration (Tier 1 capital + allowance) | 151.99% |
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 | 7.26% |
| Interest income on loans | $4.5M |
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 | $229.4M | $216.2M | 26.13% | 5.78% | 1.49% |
| Q4 2023 | $227.9M | $225.2M | 26.34% | 5.39% | 5.99% |
| Q1 2024 | $230.1M | $237.0M | 25.63% | 5.15% | 8.25% |
| Q2 2024 | $238.7M | $232.8M | 24.02% | 6.16% | 7.89% |
| Q3 2024 | $245.3M | $238.8M | 24.87% | 7.28% | 7.33% |
| Q4 2024 | $243.6M | $241.1M | 24.03% | 5.14% | 7.58% |
| Q1 2025 | $243.1M | $245.4M | 22.09% | 5.93% | 7.62% |
| Q2 2025 | $246.3M | $253.1M | 23.40% | 6.12% | 7.45% |
| Q3 2025 | $257.1M | $262.2M | 22.49% | 6.58% | 8.35% |
| Q4 2025 | $256.3M | $263.3M | 24.13% | 6.39% | 8.21% |
| Q1 2026 | $249.0M | $284.0M | 23.42% | 6.99% | 8.31% |
| Q2 2026 | $247.6M | $260.3M | 23.76% | 7.14% | 8.41% |
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 32025) · FFIEC NIC profile (RSSD 539377)