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 Loan-to-deposit ratio: 1.65 percentage points higher than in Q1 2026, at 39.22%. On loan-to-deposit ratio, The Peoples Bank is 7th from the bottom among 122 Georgia banks, 39.22% (Q2 2026). Against a median of 80.84% for banks in the $100M-1B asset tier, The Peoples Bank reported 39.22% on loan-to-deposit ratio in Q2 2026, 41.62 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $37.3M |
| Net loans and leases | $37.1M |
| Loans held for sale | $0 |
| Loans to total assets | 34.14% |
| Loan-to-deposit ratio | 39.22% |
| Net loans to equity capital | 2.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.10% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.09% |
| Consumer | 11.32% |
| Credit cards | 0.00% |
| Farm | 31.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.24% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 47.68% |
| Construction concentration (Tier 1 capital + allowance) | 13.10% |
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 | $654K |
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 | $35.6M | $94.3M | 10.59% | 7.07% | 11.91% |
| Q4 2023 | $35.0M | $95.2M | 10.86% | 8.99% | 12.84% |
| Q1 2024 | $35.9M | $91.7M | 10.88% | 8.35% | 12.56% |
| Q2 2024 | $36.6M | $87.9M | 11.09% | 7.66% | 12.23% |
| Q3 2024 | $36.4M | $85.3M | 11.26% | 8.96% | 11.79% |
| Q4 2024 | $34.8M | $97.7M | 11.19% | 9.17% | 12.84% |
| Q1 2025 | $35.7M | $100.3M | 11.56% | 8.62% | 12.42% |
| Q2 2025 | $35.0M | $95.6M | 12.90% | 8.25% | 12.26% |
| Q3 2025 | $36.2M | $90.3M | 13.39% | 5.77% | 12.22% |
| Q4 2025 | $36.9M | $91.9M | 12.93% | 6.76% | 11.81% |
| Q1 2026 | $37.0M | $98.6M | 12.74% | 5.83% | 11.80% |
| Q2 2026 | $37.3M | $95.2M | 13.10% | 6.09% | 11.32% |
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 17073) · FFIEC NIC profile (RSSD 575133)