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): 6.32 percentage points higher than in Q1 2026, at 115.73%. United Bank ranks 29th of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 76.95% (Q2 2026). United Bank reported 76.95% on loan-to-deposit ratio for Q2 2026, 11.25 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $942.2M |
| Net loans and leases | $929.8M |
| Loans held for sale | $0 |
| Loans to total assets | 63.63% |
| Loan-to-deposit ratio | 76.95% |
| Net loans to equity capital | 4.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.54% |
| Multifamily (5+ residential) | 7.28% |
| Commercial and industrial | 21.05% |
| Consumer | 3.83% |
| Credit cards | 0.22% |
| Farm | 5.13% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 5.13% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 115.73% |
| Construction concentration (Tier 1 capital + allowance) | 58.75% |
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 | 6.77% |
| Interest income on loans | $15.4M |
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 | $746.5M | $1.01B | 20.05% | 27.18% | 2.98% |
| Q4 2023 | $753.1M | $1.00B | 20.04% | 27.46% | 2.96% |
| Q1 2024 | $769.8M | $1.01B | 19.48% | 26.87% | 2.97% |
| Q2 2024 | $788.8M | $1.01B | 19.29% | 25.66% | 3.17% |
| Q3 2024 | $858.5M | $1.15B | 19.01% | 23.93% | 4.55% |
| Q4 2024 | $873.3M | $1.17B | 18.52% | 23.39% | 4.54% |
| Q1 2025 | $884.2M | $1.16B | 18.00% | 23.78% | 4.38% |
| Q2 2025 | $892.7M | $1.18B | 19.26% | 24.00% | 4.02% |
| Q3 2025 | $905.0M | $1.18B | 20.03% | 22.17% | 3.75% |
| Q4 2025 | $894.2M | $1.19B | 24.64% | 22.06% | 3.73% |
| Q1 2026 | $903.9M | $1.20B | 24.12% | 21.87% | 3.51% |
| Q2 2026 | $942.2M | $1.22B | 23.54% | 21.05% | 3.83% |
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 58) · FFIEC NIC profile (RSSD 994435)