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.
Cre concentration (tier 1 capital + allowance) climbed 22.40 percentage points in Q2 2026, from 218.95% to 241.36%. It was the largest change from Q1 2026 among the key lines here. The Peoples Bank ranks 31st of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 92.88% (Q2 2026). The Peoples Bank reported 92.88% on loan-to-deposit ratio for Q2 2026, 12.04 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $110.9M |
| Net loans and leases | $109.2M |
| Loans held for sale | $0 |
| Loans to total assets | 81.96% |
| Loan-to-deposit ratio | 92.88% |
| Net loans to equity capital | 7.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.72% |
| Multifamily (5+ residential) | 2.22% |
| Commercial and industrial | 13.34% |
| Consumer | 1.92% |
| Credit cards | 0.00% |
| Farm | 14.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 241.36% |
| Construction concentration (Tier 1 capital + allowance) | 11.71% |
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 | — |
| Interest income on loans | $1.9M |
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 | $110.0M | $118.7M | 34.52% | 17.87% | 2.93% |
| Q4 2023 | $107.0M | $115.7M | 34.23% | 16.70% | 2.88% |
| Q1 2024 | $109.3M | $111.5M | 36.35% | 15.57% | 2.51% |
| Q2 2024 | $103.9M | $113.1M | 36.21% | 14.99% | 2.47% |
| Q3 2024 | $102.3M | $118.0M | 37.31% | 13.48% | 2.53% |
| Q4 2024 | $104.4M | $114.9M | 37.99% | 12.51% | 2.38% |
| Q1 2025 | $105.2M | $122.1M | 36.73% | 13.82% | 2.20% |
| Q2 2025 | $103.2M | $123.7M | 38.43% | 13.82% | 2.40% |
| Q3 2025 | $102.5M | $114.3M | 38.32% | 13.93% | 2.18% |
| Q4 2025 | $105.6M | $118.6M | 38.06% | 14.67% | 2.02% |
| Q1 2026 | $105.8M | $119.7M | 38.34% | 14.44% | 1.96% |
| Q2 2026 | $110.9M | $119.4M | 40.72% | 13.34% | 1.92% |
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 16603) · FFIEC NIC profile (RSSD 446149)