United Cumberland 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 5.66 percentage points in Q2 2026, from 123.27% to 117.60%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, United Cumberland Bank is 55th of 120 on loan-to-deposit ratio, 84.71% as of Q2 2026, above the middle of the field. United Cumberland Bank reported 84.71% on loan-to-deposit ratio for Q2 2026, 3.88 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $338.3M |
| Net loans and leases | $333.6M |
| Loans held for sale | $0 |
| Loans to total assets | 73.51% |
| Loan-to-deposit ratio | 84.71% |
| Net loans to equity capital | 6.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.25% |
| Multifamily (5+ residential) | 3.04% |
| Commercial and industrial | 7.43% |
| Consumer | 7.62% |
| Credit cards | 0.00% |
| Farm | 1.71% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.48% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 117.60% |
| Construction concentration (Tier 1 capital + allowance) | 48.03% |
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 | 7.05% |
| Interest income on loans | $5.8M |
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 | $263.8M | $331.8M | 25.14% | 8.64% | 11.86% |
| Q4 2023 | $269.2M | $343.9M | 24.49% | 7.62% | 11.43% |
| Q1 2024 | $276.9M | $359.5M | 26.24% | 7.51% | 10.71% |
| Q2 2024 | $282.8M | $352.0M | 25.29% | 7.74% | 10.33% |
| Q3 2024 | $295.3M | $362.6M | 22.06% | 7.74% | 9.76% |
| Q4 2024 | $304.9M | $367.4M | 21.84% | 7.88% | 9.29% |
| Q1 2025 | $305.9M | $374.6M | 20.25% | 7.82% | 8.92% |
| Q2 2025 | $311.1M | $386.8M | 20.72% | 7.22% | 8.57% |
| Q3 2025 | $316.2M | $389.1M | 20.55% | 7.31% | 8.38% |
| Q4 2025 | $319.1M | $394.3M | 18.40% | 7.93% | 7.93% |
| Q1 2026 | $325.3M | $399.2M | 21.28% | 7.85% | 7.73% |
| Q2 2026 | $338.3M | $399.3M | 21.25% | 7.43% | 7.62% |
United Cumberland Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Cumberland 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 Cumberland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 303) · FFIEC NIC profile (RSSD 425818)