Unity Bank of Mississippi: 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): 9.45 percentage points lower than in Q1 2026, at 72.04%. Unity Bank of Mississippi ranks 47th of 57 Mississippi banks on loan-to-deposit ratio, in the lower half at 60.53% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Unity Bank of Mississippi sits 20.31 points lower, at 60.53% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $150.2M |
| Net loans and leases | $148.4M |
| Loans held for sale | $0 |
| Loans to total assets | 53.31% |
| Loan-to-deposit ratio | 60.53% |
| Net loans to equity capital | 7.41% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.54% |
| Multifamily (5+ residential) | 0.13% |
| Commercial and industrial | 15.49% |
| Consumer | 2.09% |
| Credit cards | 0.00% |
| Farm | 2.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 72.04% |
| Construction concentration (Tier 1 capital + allowance) | 17.98% |
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 | 6.63% |
| Interest income on loans | $2.5M |
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 | $127.7M | $251.3M | 50.79% | 15.89% | 3.42% |
| Q4 2023 | $129.0M | $245.2M | 52.77% | 14.18% | 3.31% |
| Q1 2024 | $133.9M | $254.7M | 51.68% | 14.88% | 2.88% |
| Q2 2024 | $145.0M | $240.6M | 54.04% | 13.16% | 2.75% |
| Q3 2024 | $150.3M | $231.6M | 50.87% | 15.57% | 2.65% |
| Q4 2024 | $149.9M | $230.8M | 50.97% | 15.08% | 2.45% |
| Q1 2025 | $150.1M | $270.9M | 51.74% | 15.24% | 2.35% |
| Q2 2025 | $153.3M | $259.8M | 52.06% | 15.10% | 2.18% |
| Q3 2025 | $156.2M | $251.3M | 53.49% | 14.82% | 2.17% |
| Q4 2025 | $155.3M | $252.1M | 54.88% | 15.04% | 2.04% |
| Q1 2026 | $152.5M | $265.5M | 54.83% | 14.56% | 2.05% |
| Q2 2026 | $150.2M | $248.2M | 54.54% | 15.49% | 2.09% |
Unity Bank of Mississippi loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Unity Bank of Mississippi, 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 of Mississippi profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11446) · FFIEC NIC profile (RSSD 837840)