United Trust 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 CRE concentration (Tier 1 capital + allowance): 7.54 percentage points lower than in Q1 2026, at 81.96%. Among 323 Illinois banks, United Trust Bank sits 6th from the top on loan-to-deposit ratio, 116.48% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. United Trust Bank sits 35.64 points higher, at 116.48% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $146.9M |
| Net loans and leases | $145.9M |
| Loans held for sale | $20.6M |
| Loans to total assets | 82.44% |
| Loan-to-deposit ratio | 116.48% |
| Net loans to equity capital | 8.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.71% |
| Multifamily (5+ residential) | 0.97% |
| Commercial and industrial | 1.54% |
| Consumer | 1.65% |
| 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) | 81.96% |
| Construction concentration (Tier 1 capital + allowance) | 34.72% |
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 | — |
| Interest income on loans | $2.3M |
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 | $136.8M | $110.0M | 5.17% | 2.40% | 3.85% |
| Q4 2023 | $135.2M | $104.1M | 5.74% | 2.20% | 3.79% |
| Q1 2024 | $139.1M | $110.2M | 5.66% | 3.10% | 3.42% |
| Q2 2024 | $129.8M | $106.2M | 5.93% | 2.92% | 3.56% |
| Q3 2024 | $143.8M | $111.3M | 5.28% | 2.40% | 3.02% |
| Q4 2024 | $143.7M | $117.3M | 6.76% | 2.12% | 2.79% |
| Q1 2025 | $142.1M | $116.2M | 6.31% | 2.98% | 2.81% |
| Q2 2025 | $153.8M | $124.0M | 6.64% | 1.67% | 2.38% |
| Q3 2025 | $153.0M | $122.7M | 7.92% | 1.68% | 2.10% |
| Q4 2025 | $141.6M | $121.2M | 9.44% | 1.17% | 2.18% |
| Q1 2026 | $145.5M | $122.5M | 9.32% | 1.15% | 1.87% |
| Q2 2026 | $146.9M | $126.1M | 8.71% | 1.54% | 1.65% |
United Trust Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Trust 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 Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35393) · FFIEC NIC profile (RSSD 2949970)