United National 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 8.73 percentage points in Q2 2026, from 50.66% to 59.39%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, United National Bank is 13th of 122 on loan-to-deposit ratio, 96.19% 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 National Bank sits 15.35 points higher, at 96.19% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $246.2M |
| Net loans and leases | $240.7M |
| Loans held for sale | $0 |
| Loans to total assets | 79.73% |
| Loan-to-deposit ratio | 96.19% |
| Net loans to equity capital | 5.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.13% |
| Multifamily (5+ residential) | 0.33% |
| Commercial and industrial | 7.39% |
| Consumer | 3.25% |
| Credit cards | 0.00% |
| Farm | 22.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 59.39% |
| Construction concentration (Tier 1 capital + allowance) | 32.31% |
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 | 7.59% |
| Interest income on loans | $4.6M |
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 | $217.0M | $230.6M | 12.91% | 14.00% | 3.86% |
| Q4 2023 | $207.3M | $234.8M | 13.77% | 12.84% | 3.90% |
| Q1 2024 | $213.3M | $227.3M | 15.04% | 13.26% | 3.79% |
| Q2 2024 | $229.3M | $217.0M | 15.42% | 12.67% | 3.67% |
| Q3 2024 | $236.7M | $233.0M | 13.69% | 13.04% | 3.68% |
| Q4 2024 | $224.2M | $231.2M | 13.21% | 14.00% | 3.72% |
| Q1 2025 | $222.4M | $241.1M | 13.04% | 13.49% | 3.62% |
| Q2 2025 | $230.4M | $254.0M | 14.64% | 9.34% | 3.69% |
| Q3 2025 | $235.9M | $257.9M | 15.41% | 8.14% | 3.57% |
| Q4 2025 | $231.2M | $257.3M | 16.45% | 9.91% | 3.56% |
| Q1 2026 | $233.4M | $262.3M | 16.54% | 7.77% | 3.37% |
| Q2 2026 | $246.2M | $255.9M | 15.13% | 7.39% | 3.25% |
United National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35427) · FFIEC NIC profile (RSSD 2914727)