United Bank & Trust Co.: 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): 11.66 percentage points lower than in Q1 2026, at 128.40%. Within Iowa, United Bank & Trust Co. is 181st of 225 on loan-to-deposit ratio, 64.56% as of Q2 2026, below the middle of the field. United Bank & Trust Co. reported 64.56% on loan-to-deposit ratio for Q2 2026, 16.28 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $68.9M |
| Net loans and leases | $68.0M |
| Loans held for sale | $42K |
| Loans to total assets | 57.35% |
| Loan-to-deposit ratio | 64.56% |
| Net loans to equity capital | 5.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.82% |
| Multifamily (5+ residential) | 7.39% |
| Commercial and industrial | 6.66% |
| Consumer | 0.72% |
| Credit cards | 0.00% |
| Farm | 17.95% |
| Loans to depository institutions | 1.75% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 128.40% |
| Construction concentration (Tier 1 capital + allowance) | 25.82% |
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 | 5.76% |
| Interest income on loans | $990K |
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 | $68.3M | $109.0M | 37.57% | 9.17% | 1.28% |
| Q4 2023 | $70.0M | $106.1M | 37.43% | 10.39% | 1.25% |
| Q1 2024 | $72.5M | $111.1M | 36.03% | 11.34% | 1.09% |
| Q2 2024 | $74.8M | $108.3M | 33.87% | 10.60% | 1.02% |
| Q3 2024 | $74.3M | $108.7M | 33.66% | 10.09% | 1.10% |
| Q4 2024 | $71.2M | $118.6M | 32.07% | 8.76% | 1.22% |
| Q1 2025 | $74.7M | $110.7M | 30.04% | 8.70% | 1.04% |
| Q2 2025 | $73.2M | $107.3M | 29.41% | 8.95% | 0.97% |
| Q3 2025 | $71.0M | $105.7M | 28.76% | 8.23% | 0.97% |
| Q4 2025 | $69.2M | $109.0M | 28.28% | 7.49% | 0.91% |
| Q1 2026 | $69.0M | $105.7M | 28.14% | 6.30% | 0.89% |
| Q2 2026 | $68.9M | $106.7M | 26.82% | 6.66% | 0.72% |
United Bank & Trust Co. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank & Trust Co., 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 Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57391) · FFIEC NIC profile (RSSD 3103591)