United Business 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): 15.85 percentage points higher than in Q1 2026, at 402.74%. United Business Bank ranks 38th of 114 California banks on loan-to-deposit ratio, in the upper half at 95.50% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. United Business Bank sits 7.30 points higher, at 95.50% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.08B |
| Net loans and leases | $2.05B |
| Loans held for sale | $0 |
| Loans to total assets | 80.92% |
| Loan-to-deposit ratio | 95.50% |
| Net loans to equity capital | 6.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 66.81% |
| Multifamily (5+ residential) | 16.69% |
| Commercial and industrial | 7.48% |
| Consumer | 0.06% |
| Credit cards | 0.00% |
| Farm | 0.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 402.74% |
| Construction concentration (Tier 1 capital + allowance) | 3.23% |
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 | 5.58% |
| Interest income on loans | $28.2M |
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 | $1.97B | $2.16B | 73.15% | 8.10% | 0.03% |
| Q4 2023 | $1.93B | $2.15B | 73.22% | 7.87% | 0.04% |
| Q1 2024 | $1.89B | $2.15B | 73.21% | 7.92% | 0.03% |
| Q2 2024 | $1.86B | $2.18B | 72.27% | 7.73% | 0.03% |
| Q3 2024 | $1.91B | $2.15B | 71.58% | 8.67% | 0.02% |
| Q4 2024 | $1.96B | $2.24B | 73.45% | 8.74% | 0.02% |
| Q1 2025 | $1.97B | $2.14B | 73.04% | 8.87% | 0.03% |
| Q2 2025 | $2.00B | $2.19B | 72.50% | 8.86% | 0.03% |
| Q3 2025 | $2.04B | $2.24B | 71.35% | 8.68% | 0.04% |
| Q4 2025 | $2.07B | $2.22B | 70.21% | 8.51% | 0.06% |
| Q1 2026 | $2.01B | $2.27B | 69.80% | 8.30% | 0.06% |
| Q2 2026 | $2.08B | $2.17B | 66.81% | 7.48% | 0.06% |
United Business Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Business 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 Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57716) · FFIEC NIC profile (RSSD 3281510)