United Community 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 7.70 percentage points in Q2 2026, from 187.43% to 179.73%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, United Community Bank is 173rd of 323 on loan-to-deposit ratio, 74.45% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. United Community Bank sits 13.75 points lower, at 74.45% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.67B |
| Net loans and leases | $2.64B |
| Loans held for sale | $269K |
| Loans to total assets | 64.70% |
| Loan-to-deposit ratio | 74.45% |
| Net loans to equity capital | 6.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.05% |
| Multifamily (5+ residential) | 5.17% |
| Commercial and industrial | 14.76% |
| Consumer | 1.10% |
| Credit cards | 0.10% |
| Farm | 9.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.82% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 179.73% |
| Construction concentration (Tier 1 capital + allowance) | 88.75% |
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 | 6.01% |
| Interest income on loans | $39.1M |
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 | $2.00B | $2.93B | 27.72% | 16.35% | 1.41% |
| Q4 2023 | $2.08B | $3.01B | 27.13% | 15.79% | 1.42% |
| Q1 2024 | $2.09B | $3.00B | 26.82% | 15.37% | 1.47% |
| Q2 2024 | $2.19B | $3.04B | 28.35% | 15.28% | 1.44% |
| Q3 2024 | $2.30B | $3.10B | 27.23% | 14.36% | 1.40% |
| Q4 2024 | $2.43B | $3.30B | 26.52% | 14.74% | 1.33% |
| Q1 2025 | $2.45B | $3.32B | 27.85% | 14.11% | 1.31% |
| Q2 2025 | $2.47B | $3.27B | 28.23% | 13.97% | 1.28% |
| Q3 2025 | $2.56B | $3.33B | 27.60% | 14.00% | 1.23% |
| Q4 2025 | $2.61B | $3.44B | 28.17% | 14.00% | 1.18% |
| Q1 2026 | $2.58B | $3.53B | 28.18% | 13.92% | 1.14% |
| Q2 2026 | $2.67B | $3.59B | 29.05% | 14.76% | 1.10% |
United Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19459) · FFIEC NIC profile (RSSD 439338)