United Savings 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.
Loan-to-deposit ratio climbed 2.08 percentage points in Q2 2026, from 50.34% to 52.41%. It was the largest change from Q1 2026 among the key lines here. United Savings Bank has the 7th lowest loan-to-deposit ratio of the 109 banks headquartered in Pennsylvania, at 52.41% as of Q2 2026. United Savings Bank reported 52.41% on loan-to-deposit ratio for Q2 2026, 28.43 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $174.1M |
| Net loans and leases | $172.8M |
| Loans held for sale | $0 |
| Loans to total assets | 37.80% |
| Loan-to-deposit ratio | 52.41% |
| Net loans to equity capital | 2.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.65% |
| Multifamily (5+ residential) | 2.67% |
| Commercial and industrial | 1.45% |
| Consumer | 0.07% |
| 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) | 82.72% |
| 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 | 5.66% |
| Interest income on loans | $2.4M |
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 | $161.8M | $334.7M | 29.98% | 0.21% | 0.03% |
| Q4 2023 | $161.9M | $332.3M | 30.27% | 0.29% | 0.02% |
| Q1 2024 | $161.3M | $327.3M | 29.63% | 0.22% | 0.06% |
| Q2 2024 | $160.4M | $324.6M | 30.14% | 0.22% | 0.06% |
| Q3 2024 | $160.5M | $318.1M | 30.87% | 0.22% | 0.08% |
| Q4 2024 | $168.4M | $318.8M | 32.03% | 0.23% | 0.07% |
| Q1 2025 | $167.6M | $319.6M | 32.38% | 0.27% | 0.07% |
| Q2 2025 | $165.2M | $325.6M | 32.68% | 0.22% | 0.08% |
| Q3 2025 | $165.8M | $327.2M | 33.54% | 0.22% | 0.08% |
| Q4 2025 | $167.1M | $326.0M | 34.23% | 0.30% | 0.08% |
| Q1 2026 | $169.8M | $337.3M | 34.78% | 0.40% | 0.18% |
| Q2 2026 | $174.1M | $332.1M | 34.65% | 1.45% | 0.07% |
United Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28836) · FFIEC NIC profile (RSSD 459372)