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.
Construction concentration (tier 1 capital + allowance) dropped 11.08 percentage points in Q2 2026, from 22.25% to 11.17%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The Peoples Bank is 4th from the bottom among 57 Mississippi banks, 45.86% (Q2 2026). The Peoples Bank reported 45.86% on loan-to-deposit ratio for Q2 2026, 34.98 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $239.7M |
| Net loans and leases | $236.3M |
| Loans held for sale | $0 |
| Loans to total assets | 41.20% |
| Loan-to-deposit ratio | 45.86% |
| Net loans to equity capital | 4.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.63% |
| Multifamily (5+ residential) | 0.93% |
| Commercial and industrial | 10.52% |
| Consumer | 8.26% |
| Credit cards | 0.68% |
| Farm | 4.30% |
| Loans to depository institutions | 2.55% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 20.26% |
| Construction concentration (Tier 1 capital + allowance) | 11.17% |
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 | 6.25% |
| Interest income on loans | $3.6M |
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 | $195.6M | $452.8M | 17.12% | 19.91% | 10.02% |
| Q4 2023 | $197.5M | $451.4M | 16.78% | 18.45% | 10.15% |
| Q1 2024 | $203.8M | $455.7M | 23.26% | 7.60% | 10.50% |
| Q2 2024 | $204.1M | $459.5M | 24.20% | 7.69% | 10.05% |
| Q3 2024 | $209.0M | $469.5M | 24.98% | 7.77% | 9.66% |
| Q4 2024 | $210.5M | $473.8M | 25.05% | 8.10% | 9.81% |
| Q1 2025 | $213.4M | $488.6M | 24.78% | 10.13% | 9.49% |
| Q2 2025 | $216.2M | $497.0M | 23.85% | 12.05% | 9.22% |
| Q3 2025 | $221.5M | $505.4M | 25.18% | 11.06% | 9.01% |
| Q4 2025 | $228.0M | $497.9M | 24.73% | 10.25% | 8.60% |
| Q1 2026 | $228.6M | $524.0M | 24.76% | 10.44% | 8.69% |
| Q2 2026 | $239.7M | $522.6M | 29.63% | 10.52% | 8.26% |
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 15871) · FFIEC NIC profile (RSSD 593249)