Unity 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): 2.48 percentage points lower than in Q1 2026, at 293.06%. Within Wisconsin, Unity Bank is 90th of 153 on loan-to-deposit ratio, 85.70% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Unity Bank sits 5.15 points higher, at 85.70% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $436.7M |
| Net loans and leases | $422.6M |
| Loans held for sale | $0 |
| Loans to total assets | 75.99% |
| Loan-to-deposit ratio | 85.70% |
| Net loans to equity capital | 8.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.51% |
| Multifamily (5+ residential) | 6.27% |
| Commercial and industrial | 7.31% |
| Consumer | 1.12% |
| Credit cards | 0.00% |
| Farm | 22.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.96% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 293.06% |
| Construction concentration (Tier 1 capital + allowance) | 12.81% |
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 | 6.02% |
| Interest income on loans | $6.7M |
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 | $512.8M | $514.1M | 39.24% | 7.82% | 3.12% |
| Q4 2023 | $516.6M | $533.2M | 38.50% | 7.68% | 2.83% |
| Q1 2024 | $523.5M | $525.7M | 38.81% | 7.51% | 3.48% |
| Q2 2024 | $518.6M | $530.4M | 39.10% | 7.25% | 3.27% |
| Q3 2024 | $512.9M | $541.1M | 38.52% | 8.63% | 2.07% |
| Q4 2024 | $493.4M | $542.5M | 37.24% | 8.51% | 1.91% |
| Q1 2025 | $483.7M | $550.6M | 37.40% | 8.37% | 1.73% |
| Q2 2025 | $483.0M | $545.8M | 37.37% | 8.35% | 1.50% |
| Q3 2025 | $472.4M | $527.3M | 37.40% | 8.15% | 1.40% |
| Q4 2025 | $471.2M | $538.0M | 37.25% | 9.05% | 1.25% |
| Q1 2026 | $445.0M | $516.8M | 39.56% | 7.39% | 1.21% |
| Q2 2026 | $436.7M | $509.6M | 39.51% | 7.31% | 1.12% |
Unity Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Unity 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 Unity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8714) · FFIEC NIC profile (RSSD 443353)