University 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 Loans held for sale: 41.9% higher than in Q1 2026, at $94.6M. On loan-to-deposit ratio, University Bank ranks 4th highest among the 72 banks headquartered in Michigan, at 103.16% (Q2 2026). University Bank reported 103.16% on loan-to-deposit ratio for Q2 2026, 14.96 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.09B |
| Net loans and leases | $1.09B |
| Loans held for sale | $94.6M |
| Loans to total assets | 88.13% |
| Loan-to-deposit ratio | 103.16% |
| Net loans to equity capital | 9.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.01% |
| Multifamily (5+ residential) | 0.09% |
| Commercial and industrial | 0.84% |
| Consumer | 1.53% |
| 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) | 76.02% |
| Construction concentration (Tier 1 capital + allowance) | 20.38% |
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 | 6.66% |
| Interest income on loans | $17.1M |
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 | $743.8M | $746.5M | 13.08% | 0.72% | 0.43% |
| Q4 2023 | $801.5M | $676.2M | 12.94% | 0.78% | 0.58% |
| Q1 2024 | $820.4M | $742.4M | 12.91% | 0.77% | 0.84% |
| Q2 2024 | $877.9M | $813.0M | 12.45% | 0.79% | 0.83% |
| Q3 2024 | $850.2M | $816.9M | 12.81% | 0.63% | 0.99% |
| Q4 2024 | $841.6M | $731.3M | 13.35% | 0.64% | 1.12% |
| Q1 2025 | $882.2M | $823.4M | 13.39% | 0.63% | 1.23% |
| Q2 2025 | $984.8M | $878.9M | 12.78% | 0.73% | 1.24% |
| Q3 2025 | $1.01B | $911.5M | 12.78% | 1.06% | 1.38% |
| Q4 2025 | $990.6M | $893.7M | 13.20% | 0.66% | 1.44% |
| Q1 2026 | $998.1M | $968.1M | 12.76% | 0.87% | 1.40% |
| Q2 2026 | $1.09B | $1.06B | 12.01% | 0.84% | 1.53% |
University Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock University 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 University Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14587) · FFIEC NIC profile (RSSD 137652)