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 4.23 percentage points in Q2 2026, from 169.92% to 165.69%. It was the largest change from Q1 2026 among the key lines here. Peoples Bank ranks 84th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 67.49% (Q2 2026). Peoples Bank reported 67.49% on loan-to-deposit ratio for Q2 2026, 13.35 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $114.9M |
| Net loans and leases | $113.1M |
| Loans held for sale | $0 |
| Loans to total assets | 59.73% |
| Loan-to-deposit ratio | 67.49% |
| Net loans to equity capital | 5.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.60% |
| Multifamily (5+ residential) | 4.33% |
| Commercial and industrial | 9.65% |
| Consumer | 2.86% |
| Credit cards | 0.00% |
| Farm | 10.94% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.65% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 165.69% |
| Construction concentration (Tier 1 capital + allowance) | 26.30% |
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 | 6.71% |
| Interest income on loans | $1.9M |
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 | $90.9M | $135.4M | 44.56% | 7.16% | 2.41% |
| Q4 2023 | $93.5M | $136.9M | 47.02% | 8.01% | 2.61% |
| Q1 2024 | $92.7M | $143.0M | 47.25% | 7.95% | 2.70% |
| Q2 2024 | $92.4M | $142.9M | 46.73% | 6.95% | 2.66% |
| Q3 2024 | $96.4M | $142.8M | 46.95% | 7.32% | 2.83% |
| Q4 2024 | $94.3M | $157.3M | 47.70% | 7.05% | 2.74% |
| Q1 2025 | $95.8M | $161.1M | 47.62% | 7.90% | 2.84% |
| Q2 2025 | $101.9M | $169.5M | 44.30% | 8.91% | 3.21% |
| Q3 2025 | $103.8M | $172.1M | 43.01% | 10.51% | 3.09% |
| Q4 2025 | $108.7M | $167.7M | 43.64% | 10.21% | 3.01% |
| Q1 2026 | $115.5M | $172.2M | 42.69% | 10.00% | 2.88% |
| Q2 2026 | $114.9M | $170.3M | 42.60% | 9.65% | 2.86% |
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 15216) · FFIEC NIC profile (RSSD 715032)