United Mississippi 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 CRE concentration (Tier 1 capital + allowance): 4.19 percentage points higher than in Q1 2026, at 168.84%. Within Mississippi, United Mississippi Bank is 13th of 57 on loan-to-deposit ratio, 86.42% as of Q2 2026, above the middle of the field. United Mississippi Bank reported 86.42% on loan-to-deposit ratio for Q2 2026, 5.58 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $413.9M |
| Net loans and leases | $410.4M |
| Loans held for sale | $0 |
| Loans to total assets | 73.81% |
| Loan-to-deposit ratio | 86.42% |
| Net loans to equity capital | 6.38% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.37% |
| Multifamily (5+ residential) | 2.47% |
| Commercial and industrial | 8.05% |
| Consumer | 3.19% |
| Credit cards | 0.00% |
| Farm | 14.88% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 168.84% |
| Construction concentration (Tier 1 capital + allowance) | 18.80% |
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 | 6.78% |
| Interest income on loans | $6.9M |
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 | $296.8M | $352.8M | 35.91% | 12.22% | 4.45% |
| Q4 2023 | $299.0M | $352.9M | 36.08% | 12.27% | 4.47% |
| Q1 2024 | $299.4M | $364.3M | 35.87% | 11.64% | 4.29% |
| Q2 2024 | $307.4M | $364.3M | 36.01% | 11.07% | 4.23% |
| Q3 2024 | $325.6M | $387.3M | 36.84% | 10.45% | 3.95% |
| Q4 2024 | $344.1M | $389.9M | 39.36% | 10.29% | 3.64% |
| Q1 2025 | $361.8M | $481.7M | 40.80% | 9.96% | 3.73% |
| Q2 2025 | $384.3M | $479.1M | 39.68% | 10.04% | 3.56% |
| Q3 2025 | $413.4M | $491.6M | 41.28% | 9.11% | 3.43% |
| Q4 2025 | $407.5M | $479.8M | 39.24% | 9.12% | 3.37% |
| Q1 2026 | $415.2M | $485.0M | 40.76% | 8.77% | 3.20% |
| Q2 2026 | $413.9M | $478.9M | 40.37% | 8.05% | 3.19% |
United Mississippi Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Mississippi 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 Mississippi Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21083) · FFIEC NIC profile (RSSD 544335)