Peoples Bank of Macon: 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 Loan-to-deposit ratio: 3.69 percentage points higher than in Q1 2026, at 33.11%. Peoples Bank of Macon has the 9th lowest loan-to-deposit ratio of the 323 banks headquartered in Illinois, at 33.11% as of Q2 2026. Peoples Bank of Macon's loan-to-deposit ratio of 33.11% is well below the 67.62% median for banks in the < $100M asset tier, a gap of 34.52 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.5M |
| Net loans and leases | $6.4M |
| Loans held for sale | $0 |
| Loans to total assets | 28.49% |
| Loan-to-deposit ratio | 33.11% |
| Net loans to equity capital | 2.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.52% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 32.20% |
| Consumer | 28.30% |
| Credit cards | 0.00% |
| Farm | 5.55% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 11.88% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 5.16% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 5.32% |
| Interest income on loans | $84K |
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 | $6.1M | $23.3M | 2.85% | 36.46% | 26.20% |
| Q4 2023 | $6.7M | $23.5M | 2.51% | 38.49% | 23.04% |
| Q1 2024 | $6.8M | $22.0M | 2.36% | 36.13% | 23.07% |
| Q2 2024 | $6.2M | $22.0M | 2.51% | 38.97% | 26.26% |
| Q3 2024 | $6.4M | $23.9M | 2.31% | 38.76% | 27.90% |
| Q4 2024 | $5.9M | $20.6M | 2.44% | 39.53% | 30.17% |
| Q1 2025 | $6.2M | $20.4M | 2.29% | 36.25% | 27.92% |
| Q2 2025 | $6.6M | $20.1M | 2.39% | 35.40% | 26.06% |
| Q3 2025 | $6.4M | $21.3M | 2.42% | 36.01% | 29.72% |
| Q4 2025 | $6.1M | $20.8M | 2.46% | 35.62% | 31.10% |
| Q1 2026 | $6.0M | $20.4M | 2.45% | 34.79% | 29.06% |
| Q2 2026 | $6.5M | $19.5M | 2.52% | 32.20% | 28.30% |
Peoples Bank of Macon loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank of Macon, 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 Macon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19105) · FFIEC NIC profile (RSSD 418436)