People's Bank and Trust Company of Pickett County: 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): 7.26 percentage points higher than in Q1 2026, at 52.13%. Within Tennessee, People's Bank and Trust Company of Pickett County is 42nd of 109 on loan-to-deposit ratio, 86.73% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. People's Bank and Trust Company of Pickett County sits 5.89 points higher, at 86.73% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $243.0M |
| Net loans and leases | $240.2M |
| Loans held for sale | $820K |
| Loans to total assets | 76.17% |
| Loan-to-deposit ratio | 86.73% |
| Net loans to equity capital | 7.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.88% |
| Multifamily (5+ residential) | 0.72% |
| Commercial and industrial | 17.68% |
| Consumer | 16.59% |
| Credit cards | 0.00% |
| Farm | 5.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 66.91% |
| Construction concentration (Tier 1 capital + allowance) | 52.13% |
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 | 8.85% |
| Interest income on loans | $5.3M |
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 | $192.6M | $221.1M | 12.14% | 25.22% | 16.94% |
| Q4 2023 | $197.7M | $235.9M | 12.02% | 24.51% | 16.66% |
| Q1 2024 | $203.3M | $247.1M | 13.44% | 21.66% | 16.54% |
| Q2 2024 | $206.4M | $249.7M | 10.77% | 21.19% | 16.54% |
| Q3 2024 | $208.9M | $248.7M | 9.63% | 20.98% | 16.45% |
| Q4 2024 | $214.1M | $257.4M | 9.19% | 20.88% | 16.45% |
| Q1 2025 | $213.4M | $263.2M | 9.03% | 20.74% | 16.67% |
| Q2 2025 | $218.0M | $268.3M | 9.01% | 20.62% | 16.84% |
| Q3 2025 | $222.3M | $270.8M | 9.73% | 19.43% | 17.00% |
| Q4 2025 | $224.1M | $274.9M | 9.33% | 18.97% | 16.72% |
| Q1 2026 | $235.9M | $280.7M | 10.31% | 18.40% | 16.27% |
| Q2 2026 | $243.0M | $280.2M | 8.88% | 17.68% | 16.59% |
People's Bank and Trust Company of Pickett County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock People's Bank and Trust Company of Pickett County, 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 People's Bank and Trust Company of Pickett County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22756) · FFIEC NIC profile (RSSD 942539)