Peoples 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 Construction concentration (Tier 1 capital + allowance): 21.72 percentage points higher than in Q1 2026, at 96.36%. Peoples Bank ranks 21st of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 95.71% (Q2 2026). Peoples Bank reported 95.71% on loan-to-deposit ratio for Q2 2026, 14.87 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $360.2M |
| Net loans and leases | $356.9M |
| Loans held for sale | $0 |
| Loans to total assets | 80.89% |
| Loan-to-deposit ratio | 95.71% |
| Net loans to equity capital | 6.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.89% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 29.02% |
| Consumer | 4.22% |
| Credit cards | 0.00% |
| Farm | 8.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 107.08% |
| Construction concentration (Tier 1 capital + allowance) | 96.36% |
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 | — |
| Interest income on loans | $7.0M |
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 | $279.0M | $296.8M | 24.22% | 26.51% | 7.60% |
| Q4 2023 | $287.6M | $304.8M | 24.11% | 27.21% | 7.04% |
| Q1 2024 | $300.4M | $318.1M | 20.32% | 27.50% | 6.41% |
| Q2 2024 | $307.9M | $326.4M | 20.16% | 26.53% | 6.36% |
| Q3 2024 | $303.9M | $320.5M | 20.05% | 26.46% | 6.49% |
| Q4 2024 | $308.1M | $342.9M | 20.76% | 27.42% | 5.87% |
| Q1 2025 | $299.7M | $355.4M | 23.40% | 27.41% | 5.55% |
| Q2 2025 | $299.6M | $345.1M | 23.02% | 28.04% | 5.52% |
| Q3 2025 | $303.0M | $348.4M | 21.37% | 29.80% | 5.24% |
| Q4 2025 | $305.9M | $357.1M | 21.47% | 30.06% | 5.17% |
| Q1 2026 | $332.7M | $369.3M | 23.46% | 30.49% | 4.60% |
| Q2 2026 | $360.2M | $376.4M | 24.89% | 29.02% | 4.22% |
Peoples Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples 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 Peoples Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9489) · FFIEC NIC profile (RSSD 148238)