United Bank & Trust: 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 Loan-to-deposit ratio: 3.12 percentage points higher than in Q1 2026, at 94.12%. Within Kansas, United Bank & Trust is 26th of 182 on loan-to-deposit ratio, 94.12% as of Q2 2026, above the middle of the field. United Bank & Trust reported 94.12% on loan-to-deposit ratio for Q2 2026, 13.29 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $672.2M |
| Net loans and leases | $663.3M |
| Loans held for sale | $0 |
| Loans to total assets | 75.28% |
| Loan-to-deposit ratio | 94.12% |
| Net loans to equity capital | 6.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.63% |
| Multifamily (5+ residential) | 0.80% |
| Commercial and industrial | 9.03% |
| Consumer | 1.50% |
| Credit cards | 0.00% |
| Farm | 39.28% |
| Loans to depository institutions | 0.74% |
| State and political subdivisions | 0.63% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 76.18% |
| Construction concentration (Tier 1 capital + allowance) | 10.92% |
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 | 6.28% |
| Interest income on loans | $10.5M |
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 | $620.4M | $628.3M | 16.18% | 9.25% | 1.97% |
| Q4 2023 | $631.8M | $665.1M | 15.43% | 8.36% | 1.90% |
| Q1 2024 | $628.6M | $665.4M | 15.70% | 8.55% | 1.94% |
| Q2 2024 | $649.2M | $644.3M | 15.23% | 8.84% | 1.86% |
| Q3 2024 | $657.7M | $642.7M | 14.99% | 9.18% | 1.83% |
| Q4 2024 | $664.4M | $688.5M | 14.69% | 8.53% | 1.72% |
| Q1 2025 | $632.3M | $704.1M | 15.21% | 9.34% | 1.73% |
| Q2 2025 | $651.4M | $693.4M | 14.66% | 8.71% | 1.74% |
| Q3 2025 | $655.2M | $677.6M | 15.51% | 9.09% | 1.80% |
| Q4 2025 | $677.9M | $713.1M | 15.26% | 8.97% | 1.66% |
| Q1 2026 | $667.0M | $733.0M | 14.76% | 10.09% | 1.68% |
| Q2 2026 | $672.2M | $714.1M | 14.63% | 9.03% | 1.50% |
United Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17477) · FFIEC NIC profile (RSSD 990352)