Universal 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.
CRE concentration (Tier 1 capital + allowance) climbed 4.55 percentage points in Q2 2026, from 329.93% to 334.48%. It was the largest change from Q1 2026 among the key lines here. Within California, Universal Bank is 42nd of 114 on loan-to-deposit ratio, 95.08% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Universal Bank sits 14.53 points higher, at 95.08% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $261.6M |
| Net loans and leases | $258.8M |
| Loans held for sale | $0 |
| Loans to total assets | 67.42% |
| Loan-to-deposit ratio | 95.08% |
| Net loans to equity capital | 3.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.87% |
| Multifamily (5+ residential) | 60.69% |
| Commercial and industrial | 1.01% |
| Consumer | 0.00% |
| 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) | 334.48% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 5.62% |
| Interest income on loans | $3.6M |
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 | $281.7M | $252.8M | 35.34% | 1.11% | 0.00% |
| Q4 2023 | $280.3M | $254.8M | 35.38% | 1.14% | 0.00% |
| Q1 2024 | $281.7M | $259.4M | 35.32% | 1.09% | 0.00% |
| Q2 2024 | $276.3M | $268.2M | 35.08% | 1.11% | 0.00% |
| Q3 2024 | $273.6M | $245.3M | 34.57% | 1.78% | 0.00% |
| Q4 2024 | $273.2M | $241.9M | 36.50% | 1.97% | 0.00% |
| Q1 2025 | $269.4M | $251.7M | 37.43% | 1.98% | 0.00% |
| Q2 2025 | $280.4M | $266.1M | 35.06% | 1.45% | 0.00% |
| Q3 2025 | $279.0M | $265.8M | 34.30% | 1.83% | 0.00% |
| Q4 2025 | $266.1M | $275.4M | 35.30% | 1.10% | 0.00% |
| Q1 2026 | $256.7M | $278.5M | 36.16% | 1.07% | 0.00% |
| Q2 2026 | $261.6M | $275.1M | 34.87% | 1.01% | 0.00% |
Universal Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Universal 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 Universal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30722) · FFIEC NIC profile (RSSD 208570)