United Bank and Trust Company: 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.
Cre concentration (tier 1 capital + allowance) dropped 0.78 percentage points in Q2 2026, from 28.73% to 27.95%. It was the largest change from Q1 2026 among the key lines here. United Bank and Trust Company ranks 188th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 61.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. United Bank and Trust Company sits 19.04 points lower, at 61.80% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $123.4M |
| Net loans and leases | $121.7M |
| Loans held for sale | $0 |
| Loans to total assets | 54.03% |
| Loan-to-deposit ratio | 61.80% |
| Net loans to equity capital | 4.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.13% |
| Multifamily (5+ residential) | 0.06% |
| Commercial and industrial | 7.89% |
| Consumer | 4.39% |
| Credit cards | 0.00% |
| Farm | 31.88% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.41% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 27.95% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.78% |
| Interest income on loans | $2.1M |
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 | $111.9M | $184.2M | 7.98% | 9.59% | 5.06% |
| Q4 2023 | $112.9M | $182.8M | 7.83% | 9.32% | 5.08% |
| Q1 2024 | $113.0M | $183.8M | 7.71% | 7.99% | 4.78% |
| Q2 2024 | $112.5M | $178.2M | 7.77% | 7.56% | 4.89% |
| Q3 2024 | $114.6M | $174.1M | 7.65% | 8.23% | 4.87% |
| Q4 2024 | $116.1M | $180.8M | 7.78% | 7.52% | 4.63% |
| Q1 2025 | $114.3M | $187.7M | 8.67% | 6.43% | 4.60% |
| Q2 2025 | $115.1M | $189.3M | 9.03% | 6.82% | 4.57% |
| Q3 2025 | $117.2M | $191.3M | 8.67% | 7.54% | 5.01% |
| Q4 2025 | $119.7M | $199.6M | 8.47% | 8.62% | 4.66% |
| Q1 2026 | $123.8M | $200.0M | 8.26% | 7.68% | 4.40% |
| Q2 2026 | $123.4M | $199.7M | 8.13% | 7.89% | 4.39% |
United Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14247) · FFIEC NIC profile (RSSD 116741)