People's Bank of Seneca: 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): 5.61 percentage points lower than in Q1 2026, at 265.61%. People's Bank of Seneca ranks 38th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 96.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. People's Bank of Seneca sits 15.69 points higher, at 96.52% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $425.6M |
| Net loans and leases | $419.7M |
| Loans held for sale | $0 |
| Loans to total assets | 85.89% |
| Loan-to-deposit ratio | 96.52% |
| Net loans to equity capital | 8.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.88% |
| Multifamily (5+ residential) | 5.81% |
| Commercial and industrial | 8.57% |
| Consumer | 1.74% |
| Credit cards | 0.00% |
| Farm | 1.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 265.61% |
| Construction concentration (Tier 1 capital + allowance) | 122.08% |
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 | 6.74% |
| Interest income on loans | $7.2M |
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 | $337.9M | $344.9M | 33.22% | 8.40% | 2.74% |
| Q4 2023 | $348.8M | $362.4M | 31.88% | 8.44% | 2.54% |
| Q1 2024 | $359.5M | $385.0M | 31.79% | 8.38% | 2.34% |
| Q2 2024 | $389.0M | $407.9M | 30.22% | 13.11% | 2.04% |
| Q3 2024 | $394.9M | $415.8M | 30.52% | 12.48% | 1.91% |
| Q4 2024 | $401.2M | $416.8M | 30.57% | 12.09% | 1.97% |
| Q1 2025 | $403.3M | $422.5M | 30.54% | 11.75% | 1.73% |
| Q2 2025 | $405.0M | $429.6M | 32.69% | 11.57% | 1.86% |
| Q3 2025 | $396.2M | $408.7M | 36.79% | 7.91% | 1.88% |
| Q4 2025 | $413.3M | $410.8M | 36.56% | 7.80% | 1.79% |
| Q1 2026 | $419.7M | $433.7M | 35.92% | 8.37% | 1.74% |
| Q2 2026 | $425.6M | $440.9M | 35.88% | 8.57% | 1.74% |
People's Bank of Seneca loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock People's Bank of Seneca, 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 People's Bank of Seneca profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34146) · FFIEC NIC profile (RSSD 2396592)