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.
Loan-to-deposit ratio climbed 2.40 percentage points in Q2 2026, from 58.69% to 61.09%. It was the largest change from Q1 2026 among the key lines here. Within Florida, United Southern Bank is 63rd of 81 on loan-to-deposit ratio, 61.09% as of Q2 2026, below 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 19.75 points lower, at 61.09% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $469.8M |
| Net loans and leases | $460.6M |
| Loans held for sale | $0 |
| Loans to total assets | 55.73% |
| Loan-to-deposit ratio | 61.09% |
| Net loans to equity capital | 7.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.65% |
| Multifamily (5+ residential) | 3.43% |
| Commercial and industrial | 2.29% |
| Consumer | 1.32% |
| Credit cards | 0.00% |
| Farm | 0.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 204.06% |
| Construction concentration (Tier 1 capital + allowance) | 48.27% |
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 | 6.52% |
| Interest income on loans | $7.5M |
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 | $361.7M | $783.7M | 43.09% | 4.10% | 1.36% |
| Q4 2023 | $372.0M | $788.1M | 40.93% | 3.55% | 1.39% |
| Q1 2024 | $377.0M | $787.3M | 42.10% | 3.57% | 1.40% |
| Q2 2024 | $390.9M | $769.2M | 42.94% | 3.88% | 1.34% |
| Q3 2024 | $392.9M | $746.1M | 44.17% | 3.30% | 1.29% |
| Q4 2024 | $401.6M | $779.5M | 44.08% | 3.24% | 1.29% |
| Q1 2025 | $410.2M | $818.3M | 42.84% | 3.12% | 1.25% |
| Q2 2025 | $424.7M | $788.7M | 41.49% | 3.00% | 1.20% |
| Q3 2025 | $431.3M | $768.0M | 43.37% | 2.32% | 1.18% |
| Q4 2025 | $442.1M | $771.1M | 43.47% | 2.25% | 1.18% |
| Q1 2026 | $452.7M | $771.3M | 42.95% | 2.23% | 1.27% |
| Q2 2026 | $469.8M | $769.1M | 41.65% | 2.29% | 1.32% |
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 15465) · FFIEC NIC profile (RSSD 327435)