Peoples Bank Mt Washington: 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 3.65 percentage points in Q2 2026, from 60.68% to 64.33%. It was the largest change from Q1 2026 among the key lines here. Peoples Bank Mt Washington ranks 68th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 80.46% (Q2 2026). At 80.46%, Peoples Bank Mt Washington'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 | $88.2M |
| Net loans and leases | $86.9M |
| Loans held for sale | $0 |
| Loans to total assets | 73.49% |
| Loan-to-deposit ratio | 80.46% |
| Net loans to equity capital | 8.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.81% |
| Multifamily (5+ residential) | 7.49% |
| Commercial and industrial | 5.49% |
| Consumer | 0.57% |
| Credit cards | 0.00% |
| Farm | 12.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.68% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 198.91% |
| Construction concentration (Tier 1 capital + allowance) | 64.33% |
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 | 6.79% |
| Interest income on loans | $1.5M |
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 | $64.9M | $99.7M | 51.88% | 4.19% | 0.80% |
| Q4 2023 | $67.3M | $101.0M | 40.18% | 3.32% | 0.83% |
| Q1 2024 | $67.8M | $101.8M | 37.88% | 3.24% | 0.55% |
| Q2 2024 | $71.1M | $104.6M | 36.10% | 1.91% | 0.59% |
| Q3 2024 | $71.9M | $106.0M | 36.05% | 1.91% | 0.55% |
| Q4 2024 | $75.6M | $104.5M | 32.92% | 3.18% | 0.51% |
| Q1 2025 | $74.8M | $107.9M | 33.94% | 3.86% | 0.53% |
| Q2 2025 | $78.5M | $113.8M | 31.90% | 6.05% | 0.57% |
| Q3 2025 | $77.8M | $111.1M | 31.98% | 5.46% | 0.54% |
| Q4 2025 | $81.2M | $109.5M | 28.44% | 6.02% | 0.56% |
| Q1 2026 | $85.3M | $110.2M | 29.09% | 5.33% | 0.61% |
| Q2 2026 | $88.2M | $109.6M | 27.81% | 5.49% | 0.57% |
Peoples Bank Mt Washington loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank Mt Washington, 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 Mt Washington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5847) · FFIEC NIC profile (RSSD 271341)