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: 2.76 percentage points higher than in Q1 2026, at 51.49%. On loan-to-deposit ratio, The Peoples Bank is 3rd from the bottom among 87 Indiana banks, 51.49% (Q2 2026). The Peoples Bank reported 51.49% on loan-to-deposit ratio for Q2 2026, 29.35 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $153.7M |
| Net loans and leases | $152.5M |
| Loans held for sale | $0 |
| Loans to total assets | 47.48% |
| Loan-to-deposit ratio | 51.49% |
| Net loans to equity capital | 6.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.80% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.65% |
| Consumer | 10.87% |
| Credit cards | 0.28% |
| Farm | 7.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.40% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 56.64% |
| Construction concentration (Tier 1 capital + allowance) | 17.22% |
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 | 5.88% |
| Interest income on loans | $2.2M |
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 | $111.4M | $261.7M | 10.24% | 5.51% | 13.95% |
| Q4 2023 | $114.3M | $272.0M | 9.97% | 5.41% | 14.22% |
| Q1 2024 | $115.2M | $280.7M | 9.61% | 5.50% | 14.35% |
| Q2 2024 | $117.1M | $280.8M | 9.82% | 5.32% | 14.68% |
| Q3 2024 | $120.1M | $279.6M | 9.54% | 5.14% | 14.12% |
| Q4 2024 | $122.0M | $275.0M | 8.78% | 4.55% | 13.62% |
| Q1 2025 | $123.9M | $286.5M | 8.71% | 4.55% | 13.41% |
| Q2 2025 | $128.0M | $305.1M | 8.27% | 5.14% | 13.08% |
| Q3 2025 | $131.4M | $301.0M | 7.90% | 5.25% | 13.01% |
| Q4 2025 | $138.8M | $295.4M | 7.99% | 4.72% | 11.95% |
| Q1 2026 | $146.7M | $300.9M | 9.99% | 4.76% | 11.43% |
| Q2 2026 | $153.7M | $298.6M | 9.80% | 4.65% | 10.87% |
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 5779) · FFIEC NIC profile (RSSD 7045)