Peoples Bank the: 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.
Construction concentration (tier 1 capital + allowance) climbed 20.08 percentage points in Q2 2026, from 51.17% to 71.25%. It was the largest change from Q1 2026 among the key lines here. Peoples Bank the ranks 30th of 44 South Carolina banks on loan-to-deposit ratio, in the lower half at 70.52% (Q2 2026). Peoples Bank the reported 70.52% on loan-to-deposit ratio for Q2 2026, 10.42 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $277.5M |
| Net loans and leases | $274.2M |
| Loans held for sale | $0 |
| Loans to total assets | 62.13% |
| Loan-to-deposit ratio | 70.52% |
| Net loans to equity capital | 5.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.00% |
| Multifamily (5+ residential) | 0.33% |
| Commercial and industrial | 1.73% |
| Consumer | 1.40% |
| Credit cards | 0.00% |
| Farm | 1.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.40% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 178.48% |
| Construction concentration (Tier 1 capital + allowance) | 71.25% |
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 | 6.01% |
| Interest income on loans | $4.1M |
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 | $207.3M | $365.1M | 39.54% | 3.58% | 2.35% |
| Q4 2023 | $211.9M | $364.8M | 40.26% | 3.20% | 2.12% |
| Q1 2024 | $216.5M | $367.4M | 38.43% | 2.94% | 2.06% |
| Q2 2024 | $219.3M | $373.3M | 40.10% | 2.90% | 2.11% |
| Q3 2024 | $226.1M | $369.3M | 39.77% | 2.91% | 2.01% |
| Q4 2024 | $245.3M | $382.0M | 40.81% | 2.49% | 1.85% |
| Q1 2025 | $252.2M | $391.2M | 44.04% | 2.23% | 1.92% |
| Q2 2025 | $252.6M | $390.4M | 45.92% | 2.05% | 1.90% |
| Q3 2025 | $264.2M | $387.1M | 44.95% | 1.85% | 1.74% |
| Q4 2025 | $263.4M | $390.5M | 44.67% | 1.75% | 1.66% |
| Q1 2026 | $264.1M | $393.3M | 41.35% | 1.80% | 1.52% |
| Q2 2026 | $277.5M | $393.5M | 40.00% | 1.73% | 1.40% |
Peoples Bank the loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank the, 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 the profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16968) · FFIEC NIC profile (RSSD 285928)