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.
Cre concentration (tier 1 capital + allowance) dropped 4.89 percentage points in Q2 2026, from 182.05% to 177.16%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Peoples Bank is 68th of 78 on loan-to-deposit ratio, 61.85% as of Q2 2026, below the middle of the field. Peoples Bank reported 61.85% on loan-to-deposit ratio for Q2 2026, 18.99 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $168.3M |
| Net loans and leases | $165.3M |
| Loans held for sale | $0 |
| Loans to total assets | 53.64% |
| Loan-to-deposit ratio | 61.85% |
| Net loans to equity capital | 4.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.93% |
| Multifamily (5+ residential) | 6.72% |
| Commercial and industrial | 17.24% |
| Consumer | 4.79% |
| Credit cards | 0.00% |
| Farm | 2.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.81% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 177.16% |
| Construction concentration (Tier 1 capital + allowance) | 54.68% |
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 | $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 | $109.6M | $188.5M | 33.29% | 19.68% | 7.83% |
| Q4 2023 | $118.3M | $195.2M | 31.30% | 19.77% | 7.38% |
| Q1 2024 | $119.0M | $197.4M | 31.23% | 19.40% | 7.45% |
| Q2 2024 | $121.5M | $210.4M | 30.48% | 20.31% | 7.24% |
| Q3 2024 | $127.2M | $218.4M | 31.05% | 19.43% | 7.04% |
| Q4 2024 | $133.0M | $231.2M | 29.77% | 19.31% | 6.44% |
| Q1 2025 | $134.3M | $241.3M | 28.84% | 20.02% | 6.30% |
| Q2 2025 | $141.5M | $239.1M | 27.01% | 19.53% | 6.40% |
| Q3 2025 | $153.3M | $248.3M | 27.12% | 18.94% | 6.11% |
| Q4 2025 | $154.1M | $249.8M | 27.91% | 19.23% | 5.87% |
| Q1 2026 | $158.1M | $263.3M | 27.47% | 18.09% | 5.66% |
| Q2 2026 | $168.3M | $272.1M | 25.93% | 17.24% | 4.79% |
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 57058) · FFIEC NIC profile (RSSD 2939391)