Unity National Bank of Houston: 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): 29.93 percentage points higher than in Q1 2026, at 71.16%. Within Texas, Unity National Bank of Houston is 147th of 346 on loan-to-deposit ratio, 76.67% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Unity National Bank of Houston sits 4.27 points lower, at 76.67% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $148.4M |
| Net loans and leases | $146.3M |
| Loans held for sale | $0 |
| Loans to total assets | 65.97% |
| Loan-to-deposit ratio | 76.67% |
| Net loans to equity capital | 5.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.92% |
| Multifamily (5+ residential) | 1.90% |
| Commercial and industrial | 50.59% |
| Consumer | 0.21% |
| Credit cards | 0.00% |
| Farm | 1.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 71.16% |
| Construction concentration (Tier 1 capital + allowance) | 15.46% |
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 | 5.91% |
| Interest income on loans | $2.1M |
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 | $100.5M | $155.3M | 29.41% | 47.27% | 0.40% |
| Q4 2023 | $106.1M | $178.9M | 30.63% | 48.28% | 0.37% |
| Q1 2024 | $107.6M | $182.4M | 28.54% | 50.80% | 0.36% |
| Q2 2024 | $118.8M | $176.9M | 24.81% | 51.99% | 0.33% |
| Q3 2024 | $113.2M | $170.6M | 25.24% | 51.74% | 0.18% |
| Q4 2024 | $118.4M | $171.3M | 23.80% | 52.86% | 0.22% |
| Q1 2025 | $117.9M | $170.5M | 22.22% | 58.31% | 0.23% |
| Q2 2025 | $141.5M | $199.0M | 18.19% | 65.93% | 0.19% |
| Q3 2025 | $143.5M | $202.4M | 30.72% | 50.94% | 0.23% |
| Q4 2025 | $137.5M | $197.1M | 34.07% | 51.29% | 0.23% |
| Q1 2026 | $142.7M | $204.5M | 34.97% | 51.18% | 0.21% |
| Q2 2026 | $148.4M | $193.5M | 37.92% | 50.59% | 0.21% |
Unity National Bank of Houston loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Unity National Bank of Houston, 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 National Bank of Houston profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26351) · FFIEC NIC profile (RSSD 853251)