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.
Loans held for sale dropped 65.8% in Q2 2026, from $3.2M to $1.1M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Peoples Bank is 23rd of 225 on loan-to-deposit ratio, 103.33% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Peoples Bank sits 15.12 points higher, at 103.33% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.08B |
| Net loans and leases | $1.07B |
| Loans held for sale | $1.1M |
| Loans to total assets | 86.42% |
| Loan-to-deposit ratio | 103.33% |
| Net loans to equity capital | 7.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.23% |
| Multifamily (5+ residential) | 1.98% |
| Commercial and industrial | 15.22% |
| Consumer | 1.24% |
| Credit cards | 0.04% |
| Farm | 14.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.79% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 89.13% |
| Construction concentration (Tier 1 capital + allowance) | 35.28% |
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 | 6.60% |
| Interest income on loans | $17.6M |
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 | $760.6M | $748.4M | 13.71% | 19.01% | 1.90% |
| Q4 2023 | $803.9M | $802.8M | 13.45% | 17.47% | 1.77% |
| Q1 2024 | $814.0M | $813.5M | 13.85% | 17.37% | 1.74% |
| Q2 2024 | $827.1M | $844.8M | 13.72% | 17.61% | 1.83% |
| Q3 2024 | $832.1M | $882.2M | 14.01% | 18.93% | 1.91% |
| Q4 2024 | $877.8M | $931.2M | 13.72% | 17.01% | 1.82% |
| Q1 2025 | $916.7M | $936.8M | 13.09% | 16.53% | 1.73% |
| Q2 2025 | $942.9M | $942.5M | 11.97% | 16.86% | 1.62% |
| Q3 2025 | $973.8M | $953.9M | 12.75% | 16.85% | 1.55% |
| Q4 2025 | $1.01B | $1.00B | 12.93% | 15.02% | 1.47% |
| Q1 2026 | $1.05B | $1.03B | 12.43% | 15.46% | 1.30% |
| Q2 2026 | $1.08B | $1.05B | 12.23% | 15.22% | 1.24% |
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 16265) · FFIEC NIC profile (RSSD 998844)