First Peoples Bank of Tennessee: 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 Loan-to-deposit ratio: 3.55 percentage points higher than in Q1 2026, at 85.03%. Within Tennessee, First Peoples Bank of Tennessee is 48th of 109 on loan-to-deposit ratio, 85.03% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Peoples Bank of Tennessee sits 4.19 points higher, at 85.03% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $160.1M |
| Net loans and leases | $156.9M |
| Loans held for sale | $0 |
| Loans to total assets | 72.94% |
| Loan-to-deposit ratio | 85.03% |
| Net loans to equity capital | 7.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.38% |
| Multifamily (5+ residential) | 6.84% |
| Commercial and industrial | 10.71% |
| Consumer | 3.82% |
| Credit cards | 0.00% |
| Farm | 0.11% |
| Loans to depository institutions | 0.22% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 284.36% |
| Construction concentration (Tier 1 capital + allowance) | 53.83% |
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 | $2.6M |
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 | $135.0M | $180.9M | 43.98% | 10.61% | 4.54% |
| Q4 2023 | $134.6M | $184.7M | 43.90% | 10.29% | 5.14% |
| Q1 2024 | $135.3M | $189.6M | 44.62% | 11.39% | 5.60% |
| Q2 2024 | $138.0M | $187.4M | 43.23% | 11.49% | 5.55% |
| Q3 2024 | $142.2M | $182.1M | 44.73% | 11.00% | 5.40% |
| Q4 2024 | $144.7M | $190.8M | 45.85% | 11.83% | 4.35% |
| Q1 2025 | $141.9M | $188.0M | 47.28% | 12.26% | 4.46% |
| Q2 2025 | $145.0M | $184.7M | 44.00% | 15.66% | 4.28% |
| Q3 2025 | $148.7M | $193.8M | 44.13% | 13.39% | 3.60% |
| Q4 2025 | $148.5M | $196.9M | 45.85% | 12.15% | 3.60% |
| Q1 2026 | $155.7M | $191.0M | 46.81% | 10.77% | 4.27% |
| Q2 2026 | $160.1M | $188.3M | 45.38% | 10.71% | 3.82% |
First Peoples Bank of Tennessee loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Peoples Bank of Tennessee, 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 of Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21874) · FFIEC NIC profile (RSSD 421539)