United Orient 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 23.14 percentage points in Q2 2026, from 406.32% to 429.46%. It was the largest change from Q1 2026 among the key lines here. Among 105 New York banks, United Orient Bank sits 5th from the top on loan-to-deposit ratio, 123.04% as of Q2 2026. United Orient Bank's loan-to-deposit ratio of 123.04% is well above the 80.84% median for banks in the $100M-1B asset tier, a gap of 42.20 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $85.2M |
| Net loans and leases | $84.2M |
| Loans held for sale | $0 |
| Loans to total assets | 84.06% |
| Loan-to-deposit ratio | 123.04% |
| Net loans to equity capital | 6.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.04% |
| Multifamily (5+ residential) | 49.94% |
| Commercial and industrial | 6.51% |
| Consumer | 0.02% |
| Credit cards | 0.00% |
| 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) | 429.46% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.84% |
| Interest income on loans | $1.5M |
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 | $83.2M | $62.9M | 18.75% | 0.70% | 0.01% |
| Q4 2023 | $81.1M | $60.8M | 20.60% | 0.68% | 0.02% |
| Q1 2024 | $79.0M | $59.4M | 20.53% | 0.67% | 0.02% |
| Q2 2024 | $77.5M | $57.1M | 20.55% | 0.64% | 0.01% |
| Q3 2024 | $75.4M | $58.1M | 20.65% | 0.67% | 0.01% |
| Q4 2024 | $76.5M | $62.6M | 20.19% | 1.97% | 0.01% |
| Q1 2025 | $78.8M | $68.6M | 19.27% | 5.67% | 0.01% |
| Q2 2025 | $78.0M | $68.6M | 20.23% | 5.66% | 0.01% |
| Q3 2025 | $79.6M | $66.9M | 20.08% | 5.49% | 0.02% |
| Q4 2025 | $82.4M | $68.0M | 21.72% | 6.87% | 0.01% |
| Q1 2026 | $83.2M | $71.5M | 20.49% | 6.72% | 0.01% |
| Q2 2026 | $85.2M | $69.3M | 23.04% | 6.51% | 0.02% |
United Orient Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Orient 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 Orient Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23373) · FFIEC NIC profile (RSSD 70218)