United Bankers' 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.
Cre concentration (tier 1 capital + allowance) dropped 17.74 percentage points in Q2 2026, from 244.62% to 226.88%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, United Bankers' Bank ranks 3rd highest among the 221 banks headquartered in Minnesota, at 122.72% (Q2 2026). United Bankers' Bank reported 122.72% on loan-to-deposit ratio for Q2 2026, 34.52 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $780.0M |
| Net loans and leases | $766.5M |
| Loans held for sale | $0 |
| Loans to total assets | 74.22% |
| Loan-to-deposit ratio | 122.72% |
| Net loans to equity capital | 5.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.24% |
| Multifamily (5+ residential) | 9.14% |
| Commercial and industrial | 9.51% |
| Consumer | 0.11% |
| Credit cards | 0.00% |
| Farm | 0.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 226.88% |
| Construction concentration (Tier 1 capital + allowance) | 46.59% |
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 | 6.06% |
| Interest income on loans | $11.9M |
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 | $748.7M | $674.5M | 35.54% | 14.33% | 0.21% |
| Q4 2023 | $750.0M | $675.9M | 36.49% | 13.60% | 0.20% |
| Q1 2024 | $751.9M | $687.6M | 37.93% | 12.91% | 0.19% |
| Q2 2024 | $747.5M | $627.1M | 37.51% | 13.59% | 0.18% |
| Q3 2024 | $716.4M | $653.0M | 36.98% | 12.30% | 0.18% |
| Q4 2024 | $717.7M | $672.0M | 35.54% | 10.12% | 0.17% |
| Q1 2025 | $729.6M | $643.2M | 36.71% | 11.07% | 0.16% |
| Q2 2025 | $775.5M | $615.7M | 38.03% | 10.22% | 0.14% |
| Q3 2025 | $797.0M | $610.6M | 38.83% | 10.57% | 0.14% |
| Q4 2025 | $793.5M | $662.7M | 38.72% | 8.47% | 0.13% |
| Q1 2026 | $786.5M | $646.8M | 39.52% | 8.58% | 0.12% |
| Q2 2026 | $780.0M | $635.6M | 39.24% | 9.51% | 0.11% |
United Bankers' Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bankers' 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 Bankers' Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22180) · FFIEC NIC profile (RSSD 930358)