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): 3.86 percentage points lower than in Q1 2026, at 275.34%. Within Georgia, The Peoples Bank is 24th of 122 on loan-to-deposit ratio, 89.54% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Peoples Bank sits 8.71 points higher, at 89.54% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $210.3M |
| Net loans and leases | $207.1M |
| Loans held for sale | $0 |
| Loans to total assets | 77.98% |
| Loan-to-deposit ratio | 89.54% |
| Net loans to equity capital | 6.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.76% |
| Multifamily (5+ residential) | 0.93% |
| Commercial and industrial | 6.36% |
| Consumer | 1.06% |
| Credit cards | 0.00% |
| Farm | 3.44% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 275.34% |
| Construction concentration (Tier 1 capital + allowance) | 126.11% |
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 | $3.7M |
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 | $150.7M | $189.4M | 43.13% | 3.28% | 3.47% |
| Q4 2023 | $161.8M | $193.2M | 45.29% | 3.12% | 2.81% |
| Q1 2024 | $166.9M | $206.2M | 46.62% | 3.25% | 2.62% |
| Q2 2024 | $175.0M | $214.8M | 52.68% | 3.00% | 2.20% |
| Q3 2024 | $180.9M | $220.0M | 49.18% | 3.03% | 1.94% |
| Q4 2024 | $180.2M | $222.7M | 49.86% | 3.00% | 1.86% |
| Q1 2025 | $186.0M | $224.2M | 48.19% | 4.74% | 1.59% |
| Q2 2025 | $186.8M | $236.1M | 50.13% | 3.74% | 1.56% |
| Q3 2025 | $192.8M | $237.9M | 48.34% | 4.79% | 1.59% |
| Q4 2025 | $201.2M | $224.0M | 51.42% | 4.21% | 1.29% |
| Q1 2026 | $205.6M | $239.2M | 48.64% | 4.27% | 1.09% |
| Q2 2026 | $210.3M | $234.8M | 49.76% | 6.36% | 1.06% |
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 16152) · FFIEC NIC profile (RSSD 611031)