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 7.70 percentage points in Q2 2026, from 183.61% to 175.90%. It was the largest change from Q1 2026 among the key lines here. Peoples Bank ranks 44th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 90.89% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Peoples Bank sits 2.69 points higher, at 90.89% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.82B |
| Net loans and leases | $6.75B |
| Loans held for sale | $2.6M |
| Loans to total assets | 71.61% |
| Loan-to-deposit ratio | 90.89% |
| Net loans to equity capital | 5.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.43% |
| Multifamily (5+ residential) | 6.89% |
| Commercial and industrial | 28.02% |
| Consumer | 11.92% |
| Credit cards | 0.10% |
| Farm | 0.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 175.90% |
| Construction concentration (Tier 1 capital + allowance) | 29.81% |
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 | 6.15% |
| Interest income on loans | $101.4M |
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 | $6.09B | $7.08B | 28.77% | 20.67% | 13.24% |
| Q4 2023 | $6.16B | $7.19B | 28.84% | 21.66% | 12.95% |
| Q1 2024 | $6.21B | $7.37B | 29.03% | 22.41% | 12.35% |
| Q2 2024 | $6.33B | $7.34B | 27.86% | 23.47% | 12.50% |
| Q3 2024 | $6.28B | $7.52B | 27.83% | 23.48% | 12.61% |
| Q4 2024 | $6.36B | $7.64B | 27.57% | 24.61% | 12.30% |
| Q1 2025 | $6.43B | $7.77B | 28.53% | 24.20% | 12.32% |
| Q2 2025 | $6.60B | $7.68B | 27.98% | 24.75% | 12.23% |
| Q3 2025 | $6.73B | $7.88B | 27.31% | 25.37% | 12.32% |
| Q4 2025 | $6.76B | $7.75B | 24.82% | 25.87% | 12.16% |
| Q1 2026 | $6.77B | $7.70B | 24.64% | 27.08% | 12.11% |
| Q2 2026 | $6.82B | $7.51B | 24.43% | 28.02% | 11.92% |
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 6544) · FFIEC NIC profile (RSSD 577128)