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.
Loan-to-deposit ratio climbed 3.66 percentage points in Q2 2026, from 89.36% to 93.02%. It was the largest change from Q1 2026 among the key lines here. Peoples Bank ranks 13th of 29 Washington banks on loan-to-deposit ratio, in the upper half at 93.02% (Q2 2026). Peoples Bank reported 93.02% on loan-to-deposit ratio for Q2 2026, 4.82 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.94B |
| Net loans and leases | $1.91B |
| Loans held for sale | $3.7M |
| Loans to total assets | 80.03% |
| Loan-to-deposit ratio | 93.02% |
| Net loans to equity capital | 5.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.09% |
| Multifamily (5+ residential) | 11.71% |
| Commercial and industrial | 5.60% |
| Consumer | 9.38% |
| Credit cards | 0.00% |
| Farm | 2.38% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 217.97% |
| Construction concentration (Tier 1 capital + allowance) | 21.75% |
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 | 5.67% |
| Interest income on loans | $27.4M |
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 | $1.83B | $2.14B | 36.33% | 5.71% | 8.98% |
| Q4 2023 | $1.86B | $2.11B | 36.62% | 5.75% | 9.17% |
| Q1 2024 | $1.90B | $2.07B | 36.48% | 5.50% | 9.13% |
| Q2 2024 | $1.92B | $2.09B | 35.85% | 5.38% | 9.37% |
| Q3 2024 | $1.94B | $2.11B | 36.06% | 5.26% | 9.35% |
| Q4 2024 | $1.95B | $2.15B | 36.39% | 5.27% | 9.26% |
| Q1 2025 | $1.95B | $2.12B | 36.76% | 5.82% | 9.21% |
| Q2 2025 | $1.98B | $2.10B | 37.43% | 5.43% | 9.31% |
| Q3 2025 | $1.98B | $2.14B | 37.83% | 4.98% | 9.40% |
| Q4 2025 | $1.98B | $2.13B | 38.46% | 4.89% | 9.45% |
| Q1 2026 | $1.95B | $2.18B | 39.17% | 5.23% | 9.53% |
| Q2 2026 | $1.94B | $2.08B | 39.09% | 5.60% | 9.38% |
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 6158) · FFIEC NIC profile (RSSD 455972)