First & Peoples Bank and Trust Company: 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 2.85 percentage points in Q2 2026, from 45.98% to 48.83%. It was the largest change from Q1 2026 among the key lines here. First & Peoples Bank and Trust Company has the 6th lowest loan-to-deposit ratio of the 120 banks headquartered in Kentucky, at 47.98% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First & Peoples Bank and Trust Company sits 32.86 points lower, at 47.98% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $91.4M |
| Net loans and leases | $87.5M |
| Loans held for sale | $0 |
| Loans to total assets | 44.15% |
| Loan-to-deposit ratio | 47.98% |
| Net loans to equity capital | 5.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.99% |
| Multifamily (5+ residential) | 4.87% |
| Commercial and industrial | 2.14% |
| Consumer | 19.98% |
| Credit cards | 0.00% |
| Farm | 0.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.60% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 48.83% |
| Construction concentration (Tier 1 capital + allowance) | 23.21% |
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 | 4.91% |
| Interest income on loans | $1.1M |
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 | $118.8M | $192.7M | 11.82% | 5.71% | 4.07% |
| Q4 2023 | $117.2M | $203.9M | 11.77% | 5.40% | 3.62% |
| Q1 2024 | $115.0M | $200.9M | 11.78% | 5.23% | 3.68% |
| Q2 2024 | $111.5M | $199.2M | 11.85% | 4.87% | 4.09% |
| Q3 2024 | $108.1M | $190.9M | 12.09% | 4.64% | 4.31% |
| Q4 2024 | $99.9M | $197.3M | 11.85% | 2.34% | 4.44% |
| Q1 2025 | $97.0M | $195.9M | 12.00% | 2.41% | 4.51% |
| Q2 2025 | $94.4M | $196.5M | 12.10% | 2.27% | 4.58% |
| Q3 2025 | $91.5M | $189.1M | 12.64% | 2.28% | 23.56% |
| Q4 2025 | $90.1M | $188.8M | 12.50% | 2.38% | 22.41% |
| Q1 2026 | $89.4M | $193.1M | 12.28% | 2.35% | 21.62% |
| Q2 2026 | $91.4M | $190.6M | 13.99% | 2.14% | 19.98% |
First & Peoples Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First & Peoples Bank and Trust Company, 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 First & Peoples Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8122) · FFIEC NIC profile (RSSD 391418)