Peoples Bank Co.: 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.
Construction concentration (tier 1 capital + allowance) climbed 7.54 percentage points in Q2 2026, from 42.76% to 50.30%. It was the largest change from Q1 2026 among the key lines here. Peoples Bank Co. ranks 118th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 79.45% (Q2 2026). At 79.45%, Peoples Bank Co.'s loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $98.5M |
| Net loans and leases | $97.5M |
| Loans held for sale | $0 |
| Loans to total assets | 66.70% |
| Loan-to-deposit ratio | 79.45% |
| Net loans to equity capital | 7.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.68% |
| Multifamily (5+ residential) | 13.27% |
| Commercial and industrial | 10.75% |
| Consumer | 0.93% |
| Credit cards | 0.00% |
| Farm | 18.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 175.94% |
| Construction concentration (Tier 1 capital + allowance) | 50.30% |
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 | 6.54% |
| Interest income on loans | $1.6M |
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 | $55.3M | $65.3M | 12.43% | 8.02% | 2.01% |
| Q4 2023 | $56.2M | $64.9M | 12.54% | 8.65% | 1.96% |
| Q1 2024 | $57.2M | $67.6M | 12.26% | 10.00% | 1.95% |
| Q2 2024 | $58.3M | $68.0M | 11.92% | 10.16% | 2.13% |
| Q3 2024 | $63.1M | $69.9M | 11.03% | 9.88% | 2.25% |
| Q4 2024 | $65.7M | $72.5M | 10.70% | 10.73% | 2.24% |
| Q1 2025 | $76.1M | $88.5M | 12.88% | 9.30% | 1.92% |
| Q2 2025 | $77.8M | $95.0M | 10.94% | 9.49% | 1.76% |
| Q3 2025 | $82.4M | $106.6M | 10.76% | 9.75% | 1.31% |
| Q4 2025 | $90.4M | $103.9M | 11.33% | 10.39% | 1.13% |
| Q1 2026 | $94.8M | $121.8M | 12.00% | 10.67% | 1.16% |
| Q2 2026 | $98.5M | $124.0M | 11.68% | 10.75% | 0.93% |
Peoples Bank Co. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank Co., 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 Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12226) · FFIEC NIC profile (RSSD 941541)