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) climbed 21.14 percentage points in Q2 2026, from 92.69% to 113.83%. It was the largest change from Q1 2026 among the key lines here. United Community Bank ranks 69th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 91.02% (Q2 2026). United Community Bank reported 91.02% on loan-to-deposit ratio for Q2 2026, 10.18 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $211.8M |
| Net loans and leases | $208.5M |
| Loans held for sale | $0 |
| Loans to total assets | 73.03% |
| Loan-to-deposit ratio | 91.02% |
| Net loans to equity capital | 7.84% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.83% |
| Multifamily (5+ residential) | 3.45% |
| Commercial and industrial | 5.35% |
| Consumer | 0.96% |
| Credit cards | 0.00% |
| Farm | 25.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.44% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 113.83% |
| Construction concentration (Tier 1 capital + allowance) | 36.56% |
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 | 5.86% |
| 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 | $207.1M | $222.8M | 19.25% | 8.81% | 1.94% |
| Q4 2023 | $204.4M | $227.8M | 19.57% | 9.21% | 1.91% |
| Q1 2024 | $208.1M | $224.8M | 19.07% | 8.22% | 1.54% |
| Q2 2024 | $208.2M | $226.6M | 17.14% | 7.62% | 1.61% |
| Q3 2024 | $204.8M | $224.5M | 17.03% | 7.03% | 1.52% |
| Q4 2024 | $201.8M | $226.5M | 16.98% | 6.56% | 1.52% |
| Q1 2025 | $206.4M | $225.8M | 16.86% | 5.21% | 1.17% |
| Q2 2025 | $213.2M | $216.1M | 15.82% | 5.35% | 1.13% |
| Q3 2025 | $212.7M | $233.2M | 15.02% | 4.98% | 1.07% |
| Q4 2025 | $197.4M | $241.4M | 15.09% | 5.55% | 1.09% |
| Q1 2026 | $200.7M | $238.6M | 14.54% | 5.73% | 1.00% |
| Q2 2026 | $211.8M | $232.7M | 13.83% | 5.35% | 0.96% |
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 13656) · FFIEC NIC profile (RSSD 884648)