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.
Loan-to-deposit ratio climbed 2.34 percentage points in Q2 2026, from 52.50% to 54.84%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, The Peoples Bank is 152nd of 182 on loan-to-deposit ratio, 54.84% as of Q2 2026, below the middle of the field. The Peoples Bank reported 54.84% on loan-to-deposit ratio for Q2 2026, 26.11 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $266.8M |
| Net loans and leases | $262.5M |
| Loans held for sale | $0 |
| Loans to total assets | 50.24% |
| Loan-to-deposit ratio | 54.84% |
| Net loans to equity capital | 6.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.34% |
| Multifamily (5+ residential) | 0.16% |
| Commercial and industrial | 7.33% |
| Consumer | 1.86% |
| Credit cards | 0.00% |
| Farm | 32.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 23.89% |
| Construction concentration (Tier 1 capital + allowance) | 6.23% |
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 | 7.59% |
| Interest income on loans | $4.9M |
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 | $232.4M | $428.4M | 7.59% | 8.51% | 1.69% |
| Q4 2023 | $245.5M | $457.9M | 7.13% | 8.00% | 1.64% |
| Q1 2024 | $244.1M | $448.5M | 6.81% | 8.76% | 1.84% |
| Q2 2024 | $247.8M | $438.4M | 7.78% | 8.91% | 1.78% |
| Q3 2024 | $253.9M | $438.1M | 6.77% | 7.88% | 1.85% |
| Q4 2024 | $270.3M | $458.2M | 6.29% | 6.99% | 1.77% |
| Q1 2025 | $255.1M | $476.3M | 5.56% | 6.86% | 1.91% |
| Q2 2025 | $255.4M | $483.6M | 5.88% | 7.72% | 1.85% |
| Q3 2025 | $260.6M | $502.9M | 5.73% | 7.01% | 1.89% |
| Q4 2025 | $269.1M | $516.5M | 5.40% | 6.36% | 1.87% |
| Q1 2026 | $265.0M | $504.7M | 5.34% | 6.09% | 1.90% |
| Q2 2026 | $266.8M | $486.6M | 5.34% | 7.33% | 1.86% |
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 1147) · FFIEC NIC profile (RSSD 530655)