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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 5.64 percentage points higher than in Q1 2026, at 47.98%. Within Minnesota, United Community Bank is 171st of 221 on loan-to-deposit ratio, 65.59% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. United Community Bank sits 15.25 points lower, at 65.59% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $214.3M |
| Net loans and leases | $211.2M |
| Loans held for sale | $381K |
| Loans to total assets | 59.64% |
| Loan-to-deposit ratio | 65.59% |
| Net loans to equity capital | 7.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.68% |
| Multifamily (5+ residential) | 1.10% |
| Commercial and industrial | 14.98% |
| Consumer | 5.04% |
| Credit cards | 0.00% |
| Farm | 4.51% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 76.33% |
| Construction concentration (Tier 1 capital + allowance) | 47.98% |
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 | 6.75% |
| Interest income on loans | $3.6M |
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 | $196.4M | $305.9M | 22.48% | 18.65% | 5.71% |
| Q4 2023 | $199.6M | $301.6M | 23.01% | 17.65% | 5.60% |
| Q1 2024 | $204.9M | $304.8M | 21.80% | 17.44% | 5.65% |
| Q2 2024 | $204.9M | $307.2M | 21.60% | 17.99% | 5.66% |
| Q3 2024 | $205.4M | $320.5M | 20.63% | 17.65% | 5.43% |
| Q4 2024 | $206.3M | $319.9M | 20.60% | 16.59% | 5.39% |
| Q1 2025 | $203.9M | $323.3M | 20.14% | 15.82% | 5.22% |
| Q2 2025 | $208.9M | $318.9M | 18.77% | 15.15% | 5.17% |
| Q3 2025 | $208.4M | $321.0M | 19.40% | 14.50% | 5.20% |
| Q4 2025 | $212.2M | $322.0M | 18.92% | 14.61% | 5.18% |
| Q1 2026 | $212.0M | $321.0M | 18.97% | 16.02% | 5.18% |
| Q2 2026 | $214.3M | $326.7M | 18.68% | 14.98% | 5.04% |
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 8544) · FFIEC NIC profile (RSSD 847157)