The 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.
Cre concentration (tier 1 capital + allowance) climbed 10.76 percentage points in Q2 2026, from 73.82% to 84.58%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Peoples Bank Co. is 134th of 156 on loan-to-deposit ratio, 62.31% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Peoples Bank Co. sits 18.53 points lower, at 62.31% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $460.3M |
| Net loans and leases | $454.3M |
| Loans held for sale | $2.0M |
| Loans to total assets | 53.57% |
| Loan-to-deposit ratio | 62.31% |
| Net loans to equity capital | 5.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.64% |
| Multifamily (5+ residential) | 6.48% |
| Commercial and industrial | 9.38% |
| Consumer | 1.99% |
| Credit cards | 0.14% |
| Farm | 16.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.24% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 84.58% |
| Construction concentration (Tier 1 capital + allowance) | 25.78% |
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 | 6.30% |
| Interest income on loans | $7.1M |
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 | $353.5M | $628.1M | 21.04% | 7.60% | 3.49% |
| Q4 2023 | $369.0M | $634.6M | 20.21% | 8.48% | 3.20% |
| Q1 2024 | $372.8M | $631.7M | 19.32% | 8.93% | 3.17% |
| Q2 2024 | $394.1M | $726.2M | 19.17% | 9.04% | 3.04% |
| Q3 2024 | $404.4M | $750.0M | 18.68% | 8.23% | 2.89% |
| Q4 2024 | $415.4M | $727.3M | 17.71% | 8.80% | 2.75% |
| Q1 2025 | $423.4M | $747.9M | 18.98% | 9.10% | 2.55% |
| Q2 2025 | $431.8M | $749.0M | 19.35% | 9.05% | 2.54% |
| Q3 2025 | $438.4M | $744.2M | 19.50% | 9.56% | 2.38% |
| Q4 2025 | $438.6M | $729.1M | 18.92% | 9.40% | 2.22% |
| Q1 2026 | $437.8M | $737.9M | 20.17% | 9.78% | 2.16% |
| Q2 2026 | $460.3M | $738.8M | 19.64% | 9.38% | 1.99% |
The Peoples Bank Co. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Peoples Bank Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13220) · FFIEC NIC profile (RSSD 702911)