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 CRE concentration (Tier 1 capital + allowance): 3.05 percentage points higher than in Q1 2026, at 216.67%. Peoples Bank ranks 22nd of 38 North Carolina banks on loan-to-deposit ratio, in the lower half at 81.66% (Q2 2026). Peoples Bank reported 81.66% on loan-to-deposit ratio for Q2 2026, 6.54 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.28B |
| Net loans and leases | $1.27B |
| Loans held for sale | $1.7M |
| Loans to total assets | 72.62% |
| Loan-to-deposit ratio | 81.66% |
| Net loans to equity capital | 7.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.05% |
| Multifamily (5+ residential) | 3.59% |
| Commercial and industrial | 5.12% |
| Consumer | 1.11% |
| Credit cards | 0.00% |
| Farm | 2.13% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.42% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 216.67% |
| Construction concentration (Tier 1 capital + allowance) | 62.22% |
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 | 5.82% |
| Interest income on loans | $18.2M |
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 | $1.08B | $1.38B | 39.84% | 5.52% | 0.71% |
| Q4 2023 | $1.09B | $1.39B | 38.93% | 5.67% | 0.64% |
| Q1 2024 | $1.11B | $1.45B | 39.59% | 5.41% | 0.60% |
| Q2 2024 | $1.11B | $1.48B | 41.02% | 5.09% | 0.58% |
| Q3 2024 | $1.13B | $1.48B | 41.13% | 5.11% | 0.60% |
| Q4 2024 | $1.14B | $1.49B | 41.36% | 4.96% | 0.57% |
| Q1 2025 | $1.15B | $1.52B | 41.57% | 4.88% | 0.55% |
| Q2 2025 | $1.16B | $1.52B | 42.40% | 4.43% | 0.53% |
| Q3 2025 | $1.18B | $1.55B | 42.64% | 4.50% | 0.54% |
| Q4 2025 | $1.21B | $1.51B | 43.56% | 4.74% | 0.52% |
| Q1 2026 | $1.24B | $1.54B | 43.26% | 4.71% | 1.22% |
| Q2 2026 | $1.28B | $1.57B | 43.05% | 5.12% | 1.11% |
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 5956) · FFIEC NIC profile (RSSD 220527)