United Southern 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.
Loans to total assets climbed 2.03 percentage points in Q2 2026, from 77.49% to 79.52%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, United Southern Bank is 35th of 120 on loan-to-deposit ratio, 91.21% 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 Southern Bank sits 10.37 points higher, at 91.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $281.2M |
| Net loans and leases | $277.9M |
| Loans held for sale | $0 |
| Loans to total assets | 79.52% |
| Loan-to-deposit ratio | 91.21% |
| Net loans to equity capital | 6.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.38% |
| Multifamily (5+ residential) | 4.08% |
| Commercial and industrial | 9.23% |
| Consumer | 4.03% |
| Credit cards | 0.00% |
| Farm | 15.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 92.68% |
| Construction concentration (Tier 1 capital + allowance) | 35.65% |
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 | 6.79% |
| Interest income on loans | $4.8M |
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 | $231.2M | $259.9M | 18.37% | 8.93% | 4.93% |
| Q4 2023 | $235.9M | $269.4M | 17.87% | 8.76% | 4.86% |
| Q1 2024 | $236.3M | $278.1M | 17.99% | 9.48% | 4.78% |
| Q2 2024 | $243.0M | $281.3M | 16.66% | 9.08% | 4.51% |
| Q3 2024 | $250.5M | $290.2M | 15.97% | 8.71% | 4.33% |
| Q4 2024 | $253.2M | $296.6M | 15.71% | 8.35% | 4.97% |
| Q1 2025 | $259.0M | $305.0M | 16.16% | 10.25% | 4.75% |
| Q2 2025 | $256.0M | $302.0M | 16.04% | 8.58% | 4.78% |
| Q3 2025 | $269.3M | $304.0M | 17.02% | 7.94% | 3.99% |
| Q4 2025 | $276.0M | $302.5M | 17.07% | 8.62% | 3.87% |
| Q1 2026 | $279.2M | $309.2M | 16.91% | 8.94% | 4.07% |
| Q2 2026 | $281.2M | $308.3M | 16.38% | 9.23% | 4.03% |
United Southern Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Southern 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 Southern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9309) · FFIEC NIC profile (RSSD 110945)