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 Construction concentration (Tier 1 capital + allowance): 9.22 percentage points higher than in Q1 2026, at 65.37%. Peoples Bank ranks 150th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 73.55% (Q2 2026). Peoples Bank reported 73.55% on loan-to-deposit ratio for Q2 2026, 7.29 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $341.5M |
| Net loans and leases | $338.4M |
| Loans held for sale | $2.2M |
| Loans to total assets | 64.48% |
| Loan-to-deposit ratio | 73.55% |
| Net loans to equity capital | 7.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.07% |
| Multifamily (5+ residential) | 13.40% |
| Commercial and industrial | 2.09% |
| Consumer | 0.40% |
| Credit cards | 0.00% |
| Farm | 22.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.24% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 368.50% |
| Construction concentration (Tier 1 capital + allowance) | 65.37% |
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 | 6.10% |
| Interest income on loans | $5.1M |
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 | $290.9M | $392.6M | 29.95% | 3.45% | 0.52% |
| Q4 2023 | $310.9M | $394.6M | 29.90% | 3.59% | 0.44% |
| Q1 2024 | $299.5M | $402.3M | 30.75% | 3.83% | 0.41% |
| Q2 2024 | $295.4M | $401.1M | 31.87% | 4.21% | 0.46% |
| Q3 2024 | $299.6M | $411.9M | 31.02% | 5.71% | 0.55% |
| Q4 2024 | $306.3M | $427.6M | 28.76% | 5.06% | 0.36% |
| Q1 2025 | $310.5M | $430.8M | 29.35% | 5.21% | 0.42% |
| Q2 2025 | $310.0M | $420.7M | 29.32% | 5.17% | 0.40% |
| Q3 2025 | $321.8M | $414.5M | 30.31% | 2.28% | 0.52% |
| Q4 2025 | $324.6M | $430.8M | 28.57% | 2.50% | 0.43% |
| Q1 2026 | $334.0M | $453.8M | 29.30% | 1.54% | 0.39% |
| Q2 2026 | $341.5M | $464.3M | 28.07% | 2.09% | 0.40% |
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 14692) · FFIEC NIC profile (RSSD 968249)