Peoples Bank of the South: 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.
Loan-to-deposit ratio climbed 2.94 percentage points in Q2 2026, from 102.28% to 105.22%. It was the largest change from Q1 2026 among the key lines here. Among 109 Tennessee banks, Peoples Bank of the South sits 6th from the top on loan-to-deposit ratio, 105.22% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Peoples Bank of the South sits 24.28 points higher, at 105.22% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $200.4M |
| Net loans and leases | $198.4M |
| Loans held for sale | $0 |
| Loans to total assets | 86.38% |
| Loan-to-deposit ratio | 105.22% |
| Net loans to equity capital | 7.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.29% |
| Multifamily (5+ residential) | 3.41% |
| Commercial and industrial | 2.70% |
| Consumer | 1.55% |
| Credit cards | 0.00% |
| Farm | 1.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 283.62% |
| Construction concentration (Tier 1 capital + allowance) | 120.26% |
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 | 7.98% |
| Interest income on loans | $3.9M |
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 | $173.6M | $174.4M | 28.20% | 2.28% | 1.81% |
| Q4 2023 | $175.8M | $174.0M | 28.60% | 2.30% | 1.70% |
| Q1 2024 | $176.2M | $173.5M | 28.74% | 2.26% | 1.86% |
| Q2 2024 | $173.8M | $173.8M | 30.03% | 2.19% | 1.94% |
| Q3 2024 | $175.9M | $174.0M | 31.18% | 2.06% | 1.99% |
| Q4 2024 | $178.2M | $181.5M | 32.15% | 2.01% | 2.05% |
| Q1 2025 | $181.0M | $188.6M | 31.58% | 2.18% | 1.98% |
| Q2 2025 | $183.8M | $187.9M | 33.40% | 2.27% | 3.08% |
| Q3 2025 | $190.7M | $189.8M | 32.95% | 2.37% | 2.06% |
| Q4 2025 | $195.7M | $185.2M | 31.34% | 2.57% | 1.73% |
| Q1 2026 | $193.6M | $189.3M | 30.31% | 2.83% | 1.84% |
| Q2 2026 | $200.4M | $190.5M | 29.29% | 2.70% | 1.55% |
Peoples Bank of the South loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank of the South, 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 the South profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4945) · FFIEC NIC profile (RSSD 277736)