United Security 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 dropped 3.22 percentage points in Q2 2026, from 97.54% to 94.31%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, United Security Bank is 49th of 192 on loan-to-deposit ratio, 94.31% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. United Security Bank sits 26.69 points higher, at 94.31% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $76.6M |
| Net loans and leases | $75.6M |
| Loans held for sale | $0 |
| Loans to total assets | 78.77% |
| Loan-to-deposit ratio | 94.31% |
| Net loans to equity capital | 6.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.12% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 3.14% |
| Consumer | 7.52% |
| Credit cards | 0.00% |
| Farm | 11.34% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 128.18% |
| Construction concentration (Tier 1 capital + allowance) | 40.47% |
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 | 6.90% |
| Interest income on loans | $1.3M |
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 | $58.3M | $69.7M | 15.85% | 4.71% | 10.95% |
| Q4 2023 | $59.7M | $67.1M | 16.02% | 4.03% | 10.69% |
| Q1 2024 | $60.8M | $77.0M | 15.81% | 4.01% | 10.63% |
| Q2 2024 | $63.4M | $74.6M | 16.24% | 3.93% | 10.13% |
| Q3 2024 | $64.9M | $71.7M | 15.55% | 3.87% | 9.86% |
| Q4 2024 | $66.9M | $74.9M | 16.36% | 3.74% | 9.87% |
| Q1 2025 | $67.6M | $76.0M | 16.89% | 3.38% | 8.83% |
| Q2 2025 | $70.2M | $78.0M | 15.82% | 3.77% | 8.59% |
| Q3 2025 | $72.2M | $82.3M | 16.09% | 3.56% | 8.13% |
| Q4 2025 | $75.1M | $81.0M | 16.17% | 3.49% | 7.79% |
| Q1 2026 | $75.9M | $77.9M | 15.95% | 3.64% | 7.76% |
| Q2 2026 | $76.6M | $81.2M | 16.12% | 3.14% | 7.52% |
United Security Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Security 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 Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1427) · FFIEC NIC profile (RSSD 630340)