Peoples Bank of Kentucky, Inc.: 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) dropped 3.30 percentage points in Q2 2026, from 135.03% to 131.72%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Peoples Bank of Kentucky, Inc. is 66th of 120 on loan-to-deposit ratio, 81.07% 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; Peoples Bank of Kentucky, Inc. reported 81.07% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $396.7M |
| Net loans and leases | $383.9M |
| Loans held for sale | $0 |
| Loans to total assets | 70.22% |
| Loan-to-deposit ratio | 81.07% |
| Net loans to equity capital | 6.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.62% |
| Multifamily (5+ residential) | 3.78% |
| Commercial and industrial | 8.26% |
| Consumer | 3.40% |
| Credit cards | 0.00% |
| Farm | 26.51% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 131.72% |
| Construction concentration (Tier 1 capital + allowance) | 19.00% |
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 | 6.75% |
| Interest income on loans | $6.6M |
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 | $369.7M | $400.9M | 14.91% | 8.65% | 4.51% |
| Q4 2023 | $373.8M | $411.4M | 14.01% | 8.48% | 3.94% |
| Q1 2024 | $374.8M | $415.2M | 14.14% | 8.06% | 4.43% |
| Q2 2024 | $386.8M | $433.8M | 14.87% | 8.55% | 3.45% |
| Q3 2024 | $390.5M | $418.4M | 13.88% | 9.12% | 4.28% |
| Q4 2024 | $387.8M | $424.2M | 12.13% | 10.16% | 4.18% |
| Q1 2025 | $397.7M | $437.5M | 12.90% | 11.40% | 3.97% |
| Q2 2025 | $400.8M | $442.4M | 13.62% | 10.24% | 3.75% |
| Q3 2025 | $413.1M | $459.0M | 13.96% | 10.08% | 3.64% |
| Q4 2025 | $409.1M | $467.2M | 15.05% | 9.62% | 3.47% |
| Q1 2026 | $402.4M | $486.0M | 15.76% | 9.16% | 3.42% |
| Q2 2026 | $396.7M | $489.3M | 15.62% | 8.26% | 3.40% |
Peoples Bank of Kentucky, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank of Kentucky, Inc., 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 Kentucky, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16970) · FFIEC NIC profile (RSSD 995517)