Peoples Bank of Alabama: 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 CRE concentration (Tier 1 capital + allowance): 4.65 percentage points lower than in Q1 2026, at 212.03%. Within Alabama, Peoples Bank of Alabama is 40th of 93 on loan-to-deposit ratio, 72.64% as of Q2 2026, above the middle of the field. Peoples Bank of Alabama reported 72.64% on loan-to-deposit ratio for Q2 2026, 15.57 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $923.0M |
| Net loans and leases | $908.0M |
| Loans held for sale | $350K |
| Loans to total assets | 64.78% |
| Loan-to-deposit ratio | 72.64% |
| Net loans to equity capital | 6.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.56% |
| Multifamily (5+ residential) | 3.73% |
| Commercial and industrial | 21.01% |
| Consumer | 1.32% |
| Credit cards | 0.00% |
| Farm | 2.86% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.84% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 212.03% |
| Construction concentration (Tier 1 capital + allowance) | 31.51% |
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 | 7.01% |
| Interest income on loans | $16.1M |
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 | $831.6M | $1.17B | 39.11% | 23.15% | 1.66% |
| Q4 2023 | $853.6M | $1.15B | 39.97% | 22.92% | 1.62% |
| Q1 2024 | $873.5M | $1.20B | 39.34% | 23.12% | 1.64% |
| Q2 2024 | $856.7M | $1.21B | 40.88% | 22.65% | 1.65% |
| Q3 2024 | $862.0M | $1.21B | 41.83% | 23.99% | 1.53% |
| Q4 2024 | $874.9M | $1.22B | 42.84% | 23.15% | 1.48% |
| Q1 2025 | $878.2M | $1.29B | 42.62% | 23.00% | 1.37% |
| Q2 2025 | $880.9M | $1.29B | 45.03% | 21.30% | 1.48% |
| Q3 2025 | $892.1M | $1.28B | 45.12% | 21.98% | 1.44% |
| Q4 2025 | $904.3M | $1.25B | 47.29% | 20.32% | 1.39% |
| Q1 2026 | $923.9M | $1.28B | 46.93% | 20.69% | 1.37% |
| Q2 2026 | $923.0M | $1.27B | 46.56% | 21.01% | 1.32% |
Peoples Bank of Alabama loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank of Alabama, 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 of Alabama profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22537) · FFIEC NIC profile (RSSD 60330)