United Midwest Savings Bank, N.A.: 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 7.69 percentage points in Q2 2026, from 72.76% to 80.45%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, United Midwest Savings Bank, N.A. is 56th of 156 on loan-to-deposit ratio, 88.19% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. United Midwest Savings Bank, N.A. sits 7.35 points higher, at 88.19% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $379.9M |
| Net loans and leases | $371.1M |
| Loans held for sale | $23.1M |
| Loans to total assets | 72.58% |
| Loan-to-deposit ratio | 88.19% |
| Net loans to equity capital | 5.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.70% |
| Multifamily (5+ residential) | 0.03% |
| Commercial and industrial | 46.45% |
| Consumer | 14.51% |
| Credit cards | 0.00% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 80.45% |
| Construction concentration (Tier 1 capital + allowance) | 0.18% |
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 | 8.55% |
| Interest income on loans | $8.0M |
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 | $362.8M | $393.4M | 34.53% | 38.93% | 13.92% |
| Q4 2023 | $305.0M | $393.8M | 26.10% | 41.15% | 17.50% |
| Q1 2024 | $316.4M | $402.7M | 27.12% | 41.67% | 16.53% |
| Q2 2024 | $304.6M | $403.3M | 25.44% | 41.01% | 17.78% |
| Q3 2024 | $303.3M | $409.9M | 26.24% | 40.62% | 16.95% |
| Q4 2024 | $305.7M | $404.2M | 25.84% | 40.42% | 17.77% |
| Q1 2025 | $324.1M | $399.2M | 24.48% | 44.14% | 15.81% |
| Q2 2025 | $348.7M | $405.1M | 26.77% | 42.30% | 15.57% |
| Q3 2025 | $361.8M | $418.7M | 26.08% | 44.21% | 14.42% |
| Q4 2025 | $356.6M | $419.5M | 23.05% | 45.64% | 15.72% |
| Q1 2026 | $372.3M | $429.7M | 23.40% | 47.06% | 14.23% |
| Q2 2026 | $379.9M | $430.8M | 23.70% | 46.45% | 14.51% |
United Midwest Savings Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Midwest Savings Bank, N.A., 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 Midwest Savings Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32441) · FFIEC NIC profile (RSSD 809276)