Peoplefirst 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.
Construction concentration (tier 1 capital + allowance) climbed 5.42 percentage points in Q2 2026, from 31.84% to 37.26%. It was the largest change from Q1 2026 among the key lines here. Peoplefirst Bank ranks 76th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 87.70% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Peoplefirst Bank sits 6.86 points higher, at 87.70% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $185.1M |
| Net loans and leases | $182.7M |
| Loans held for sale | $0 |
| Loans to total assets | 69.70% |
| Loan-to-deposit ratio | 87.70% |
| Net loans to equity capital | 5.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 59.04% |
| Multifamily (5+ residential) | 17.28% |
| Commercial and industrial | 5.28% |
| Consumer | 0.03% |
| Credit cards | 0.00% |
| Farm | 2.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 333.00% |
| Construction concentration (Tier 1 capital + allowance) | 37.26% |
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 | 6.89% |
| Interest income on loans | $3.1M |
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 | $181.9M | $213.0M | 54.79% | 15.20% | 0.04% |
| Q4 2023 | $180.8M | $210.8M | 56.50% | 12.89% | 0.04% |
| Q1 2024 | $178.9M | $214.9M | 55.83% | 12.85% | 0.04% |
| Q2 2024 | $179.2M | $227.7M | 55.58% | 12.18% | 0.02% |
| Q3 2024 | $168.2M | $216.0M | 56.17% | 10.90% | 0.01% |
| Q4 2024 | $171.9M | $229.0M | 56.74% | 8.98% | 0.01% |
| Q1 2025 | $175.5M | $194.3M | 54.82% | 9.66% | 0.01% |
| Q2 2025 | $172.8M | $212.7M | 56.71% | 8.91% | 0.04% |
| Q3 2025 | $178.7M | $213.6M | 56.16% | 9.46% | 0.04% |
| Q4 2025 | $175.4M | $216.4M | 57.05% | 5.03% | 0.04% |
| Q1 2026 | $175.6M | $191.3M | 59.41% | 3.95% | 0.04% |
| Q2 2026 | $185.1M | $211.1M | 59.04% | 5.28% | 0.03% |
Peoplefirst Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoplefirst 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 Peoplefirst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58597) · FFIEC NIC profile (RSSD 3548763)