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): 10.46 percentage points lower than in Q1 2026, at 93.10%. United Community Bank ranks 23rd of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 92.22% (Q2 2026). United Community Bank reported 92.22% on loan-to-deposit ratio for Q2 2026, 11.38 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $516.4M |
| Net loans and leases | $500.5M |
| Loans held for sale | $0 |
| Loans to total assets | 77.59% |
| Loan-to-deposit ratio | 92.22% |
| Net loans to equity capital | 5.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 47.01% |
| Multifamily (5+ residential) | 2.50% |
| Commercial and industrial | 18.55% |
| Consumer | 0.57% |
| Credit cards | 0.05% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 249.49% |
| Construction concentration (Tier 1 capital + allowance) | 93.10% |
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 | 7.46% |
| Interest income on loans | $9.5M |
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 | $496.0M | $559.2M | 46.19% | 20.50% | 0.59% |
| Q4 2023 | $494.1M | $557.2M | 44.95% | 20.34% | 0.59% |
| Q1 2024 | $503.9M | $546.5M | 43.61% | 22.73% | 0.50% |
| Q2 2024 | $490.3M | $518.7M | 46.23% | 18.91% | 0.52% |
| Q3 2024 | $497.1M | $515.7M | 47.81% | 18.71% | 0.48% |
| Q4 2024 | $497.5M | $516.7M | 47.36% | 18.37% | 0.54% |
| Q1 2025 | $517.3M | $523.5M | 45.84% | 20.10% | 0.49% |
| Q2 2025 | $512.5M | $527.9M | 46.28% | 20.69% | 0.51% |
| Q3 2025 | $520.8M | $544.2M | 45.75% | 20.12% | 0.52% |
| Q4 2025 | $511.0M | $559.7M | 45.75% | 19.17% | 0.56% |
| Q1 2026 | $510.6M | $578.0M | 44.65% | 19.05% | 0.59% |
| Q2 2026 | $516.4M | $560.0M | 47.01% | 18.55% | 0.57% |
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 19143) · FFIEC NIC profile (RSSD 90337)