Peoples Bank and Trust Company: 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 climbed 242.8% in Q2 2026, from $1.8M to $6.1M. It was the largest change from Q1 2026 among the key lines here. Peoples Bank and Trust Company ranks 84th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 77.00% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Peoples Bank and Trust Company sits 11.20 points lower, at 77.00% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.07B |
| Net loans and leases | $1.06B |
| Loans held for sale | $6.1M |
| Loans to total assets | 67.52% |
| Loan-to-deposit ratio | 77.00% |
| Net loans to equity capital | 7.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.71% |
| Multifamily (5+ residential) | 3.06% |
| Commercial and industrial | 8.63% |
| Consumer | 2.57% |
| Credit cards | 0.00% |
| Farm | 15.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 183.25% |
| Construction concentration (Tier 1 capital + allowance) | 65.77% |
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 | 6.83% |
| Interest income on loans | $18.3M |
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 | $667.7M | $835.6M | 32.31% | 21.28% | 4.57% |
| Q4 2023 | $691.7M | $867.6M | 27.87% | 21.14% | 4.42% |
| Q1 2024 | $696.8M | $894.9M | 26.18% | 18.14% | 4.44% |
| Q2 2024 | $736.3M | $894.7M | 22.49% | 13.91% | 4.24% |
| Q3 2024 | $756.4M | $884.3M | 21.84% | 14.10% | 4.17% |
| Q4 2024 | $799.8M | $922.3M | 21.41% | 12.48% | 3.77% |
| Q1 2025 | $831.2M | $1.03B | 21.54% | 12.64% | 3.60% |
| Q2 2025 | $1.04B | $1.29B | 22.62% | 11.41% | 3.07% |
| Q3 2025 | $1.06B | $1.31B | 22.89% | 10.33% | 2.96% |
| Q4 2025 | $1.07B | $1.34B | 22.50% | 8.99% | 2.66% |
| Q1 2026 | $1.08B | $1.40B | 23.89% | 9.03% | 2.63% |
| Q2 2026 | $1.07B | $1.40B | 25.71% | 8.63% | 2.57% |
Peoples Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1365) · FFIEC NIC profile (RSSD 153353)