United Citizens Bank & 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.
Construction concentration (tier 1 capital + allowance) dropped 10.99 percentage points in Q2 2026, from 130.34% to 119.35%. It was the largest change from Q1 2026 among the key lines here. United Citizens Bank & Trust Company ranks 39th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 89.94% (Q2 2026). United Citizens Bank & Trust Company reported 89.94% on loan-to-deposit ratio for Q2 2026, 9.10 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $177.6M |
| Net loans and leases | $175.9M |
| Loans held for sale | $0 |
| Loans to total assets | 80.98% |
| Loan-to-deposit ratio | 89.94% |
| Net loans to equity capital | 8.38% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.29% |
| Multifamily (5+ residential) | 6.45% |
| Commercial and industrial | 2.33% |
| Consumer | 1.12% |
| Credit cards | 0.00% |
| Farm | 15.60% |
| Loans to depository institutions | 0.39% |
| State and political subdivisions | 0.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 224.94% |
| Construction concentration (Tier 1 capital + allowance) | 119.35% |
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 | 6.60% |
| Interest income on loans | $3.0M |
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 | $138.1M | $166.2M | 11.06% | 2.04% | 1.44% |
| Q4 2023 | $143.1M | $175.7M | 11.21% | 2.26% | 1.58% |
| Q1 2024 | $148.8M | $182.6M | 10.97% | 2.51% | 1.50% |
| Q2 2024 | $153.1M | $187.0M | 11.61% | 2.39% | 1.38% |
| Q3 2024 | $157.6M | $185.4M | 12.53% | 2.08% | 1.27% |
| Q4 2024 | $163.3M | $182.3M | 11.56% | 1.91% | 1.15% |
| Q1 2025 | $168.7M | $187.4M | 11.49% | 2.76% | 1.22% |
| Q2 2025 | $170.0M | $188.8M | 11.58% | 2.65% | 1.13% |
| Q3 2025 | $171.4M | $190.2M | 11.74% | 2.46% | 1.06% |
| Q4 2025 | $178.5M | $193.6M | 13.05% | 2.92% | 1.11% |
| Q1 2026 | $178.9M | $199.7M | 14.29% | 2.56% | 1.00% |
| Q2 2026 | $177.6M | $197.5M | 13.29% | 2.33% | 1.12% |
United Citizens Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Citizens Bank & 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 Citizens Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15249) · FFIEC NIC profile (RSSD 336147)