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 CRE concentration (Tier 1 capital + allowance): 8.71 percentage points higher than in Q1 2026, at 123.19%. The Peoples Bank ranks 77th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 75.40% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Peoples Bank sits 5.44 points lower, at 75.40% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $75.9M |
| Net loans and leases | $75.4M |
| Loans held for sale | $0 |
| Loans to total assets | 67.17% |
| Loan-to-deposit ratio | 75.40% |
| Net loans to equity capital | 6.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.75% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.99% |
| Consumer | 3.74% |
| Credit cards | 0.00% |
| Farm | 3.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 123.19% |
| Construction concentration (Tier 1 capital + allowance) | 44.09% |
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 | 7.76% |
| Interest income on loans | $1.4M |
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 | $75.5M | $97.8M | 21.93% | 9.87% | 5.45% |
| Q4 2023 | $75.7M | $98.8M | 21.51% | 10.65% | 4.70% |
| Q1 2024 | $76.7M | $97.8M | 21.04% | 10.36% | 4.29% |
| Q2 2024 | $76.6M | $101.7M | 22.88% | 9.14% | 3.61% |
| Q3 2024 | $77.9M | $98.6M | 25.53% | 9.07% | 3.48% |
| Q4 2024 | $75.8M | $99.9M | 24.71% | 9.11% | 3.35% |
| Q1 2025 | $76.7M | $99.5M | 24.95% | 8.62% | 3.37% |
| Q2 2025 | $75.0M | $97.5M | 22.89% | 8.20% | 3.24% |
| Q3 2025 | $71.7M | $98.8M | 23.19% | 8.40% | 3.44% |
| Q4 2025 | $70.9M | $98.8M | 27.07% | 7.24% | 3.75% |
| Q1 2026 | $71.5M | $100.5M | 26.74% | 6.92% | 3.70% |
| Q2 2026 | $75.9M | $100.7M | 26.75% | 7.99% | 3.74% |
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 6110) · FFIEC NIC profile (RSSD 591357)