The Peoples Bank: 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 Construction concentration (Tier 1 capital + allowance): 7.11 percentage points higher than in Q1 2026, at 14.59%. Within Ohio, The Peoples Bank is 139th of 156 on loan-to-deposit ratio, 57.97% as of Q2 2026, below the middle of the field. The Peoples Bank reported 57.97% on loan-to-deposit ratio for Q2 2026, 9.66 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $31.5M |
| Net loans and leases | $31.2M |
| Loans held for sale | $0 |
| Loans to total assets | 52.08% |
| Loan-to-deposit ratio | 57.97% |
| Net loans to equity capital | 5.38% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.25% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.26% |
| Consumer | 2.72% |
| Credit cards | 0.74% |
| Farm | 1.56% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 35.64% |
| Construction concentration (Tier 1 capital + allowance) | 14.59% |
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 | 6.88% |
| Interest income on loans | $510K |
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 | $33.9M | $54.8M | 15.74% | 5.46% | 9.85% |
| Q4 2023 | $33.8M | $53.6M | 15.42% | 6.77% | 8.47% |
| Q1 2024 | $31.9M | $54.2M | 16.00% | 6.33% | 8.29% |
| Q2 2024 | $32.1M | $54.5M | 15.32% | 6.08% | 7.37% |
| Q3 2024 | $32.8M | $49.0M | 13.59% | 7.72% | 6.50% |
| Q4 2024 | $32.6M | $51.2M | 15.78% | 5.28% | 5.85% |
| Q1 2025 | $32.1M | $52.2M | 15.28% | 6.95% | 5.15% |
| Q2 2025 | $32.4M | $53.4M | 14.69% | 7.31% | 4.63% |
| Q3 2025 | $32.1M | $51.6M | 14.91% | 6.38% | 4.15% |
| Q4 2025 | $30.8M | $52.3M | 14.70% | 5.68% | 3.75% |
| Q1 2026 | $29.1M | $53.2M | 13.76% | 5.99% | 3.52% |
| Q2 2026 | $31.5M | $54.3M | 12.25% | 9.26% | 2.72% |
The Peoples Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples Bank, 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 The Peoples Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 389) · FFIEC NIC profile (RSSD 378110)