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): 32.33 percentage points lower than in Q1 2026, at 272.67%. Peoples Bank ranks 7th of 57 Mississippi banks on loan-to-deposit ratio, in the upper half at 88.29% (Q2 2026). Peoples Bank reported 88.29% on loan-to-deposit ratio for Q2 2026, 7.45 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $392.9M |
| Net loans and leases | $386.9M |
| Loans held for sale | $1.2M |
| Loans to total assets | 78.03% |
| Loan-to-deposit ratio | 88.29% |
| Net loans to equity capital | 6.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.33% |
| Multifamily (5+ residential) | 0.09% |
| Commercial and industrial | 16.65% |
| Consumer | 3.99% |
| Credit cards | 0.00% |
| Farm | 11.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 272.67% |
| Construction concentration (Tier 1 capital + allowance) | 27.60% |
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 | 9.21% |
| Interest income on loans | $9.2M |
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 | $343.8M | $387.3M | 46.29% | 14.43% | 4.66% |
| Q4 2023 | $362.9M | $374.7M | 47.38% | 14.70% | 4.57% |
| Q1 2024 | $383.1M | $409.6M | 48.32% | 14.81% | 4.42% |
| Q2 2024 | $366.2M | $409.6M | 45.99% | 16.31% | 4.59% |
| Q3 2024 | $359.2M | $404.0M | 49.73% | 12.14% | 4.57% |
| Q4 2024 | $364.1M | $399.6M | 48.73% | 13.32% | 4.30% |
| Q1 2025 | $369.9M | $399.2M | 48.69% | 13.43% | 4.08% |
| Q2 2025 | $367.8M | $412.6M | 44.29% | 17.95% | 4.04% |
| Q3 2025 | $372.7M | $412.0M | 44.20% | 18.75% | 4.14% |
| Q4 2025 | $392.3M | $402.2M | 44.55% | 17.82% | 3.89% |
| Q1 2026 | $407.8M | $420.1M | 47.06% | 16.44% | 3.63% |
| Q2 2026 | $392.9M | $445.0M | 46.33% | 16.65% | 3.99% |
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 9366) · FFIEC NIC profile (RSSD 70638)