United State 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 3.64 percentage points lower than in Q1 2026, at 35.84%. United State Bank ranks 87th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 87.21% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. United State Bank sits 6.37 points higher, at 87.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $225.3M |
| Net loans and leases | $222.2M |
| Loans held for sale | $1.3M |
| Loans to total assets | 77.66% |
| Loan-to-deposit ratio | 87.21% |
| Net loans to equity capital | 7.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.22% |
| Multifamily (5+ residential) | 0.15% |
| Commercial and industrial | 10.28% |
| Consumer | 0.98% |
| Credit cards | 0.00% |
| Farm | 38.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 51.80% |
| Construction concentration (Tier 1 capital + allowance) | 35.84% |
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 | 7.07% |
| Interest income on loans | $3.9M |
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 | $202.1M | $240.3M | 7.33% | 11.23% | 1.42% |
| Q4 2023 | $203.1M | $245.3M | 7.13% | 10.56% | 1.40% |
| Q1 2024 | $204.4M | $247.9M | 7.03% | 11.39% | 1.34% |
| Q2 2024 | $207.3M | $243.0M | 6.60% | 11.87% | 1.35% |
| Q3 2024 | $208.6M | $242.0M | 6.78% | 11.11% | 1.27% |
| Q4 2024 | $210.8M | $248.3M | 6.43% | 10.62% | 1.23% |
| Q1 2025 | $209.3M | $253.2M | 5.97% | 10.25% | 1.17% |
| Q2 2025 | $210.8M | $252.1M | 5.38% | 10.86% | 1.19% |
| Q3 2025 | $215.3M | $259.2M | 4.96% | 9.90% | 1.12% |
| Q4 2025 | $221.7M | $254.1M | 5.25% | 9.32% | 1.05% |
| Q1 2026 | $218.8M | $258.3M | 5.27% | 10.67% | 1.00% |
| Q2 2026 | $225.3M | $258.4M | 5.22% | 10.28% | 0.98% |
United State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12214) · FFIEC NIC profile (RSSD 659556)