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.
Cre concentration (tier 1 capital + allowance) climbed 4.12 percentage points in Q2 2026, from 88.04% to 92.16%. It was the largest change from Q1 2026 among the key lines here. The Peoples Bank has the highest loan-to-deposit ratio of the 78 banks headquartered in Arkansas, 111.06% as of Q2 2026. The Peoples Bank reported 111.06% on loan-to-deposit ratio for Q2 2026, 30.22 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $151.9M |
| Net loans and leases | $149.3M |
| Loans held for sale | $0 |
| Loans to total assets | 77.54% |
| Loan-to-deposit ratio | 111.06% |
| Net loans to equity capital | 5.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.06% |
| Multifamily (5+ residential) | 0.36% |
| Commercial and industrial | 6.66% |
| Consumer | 19.25% |
| Credit cards | 0.00% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 92.16% |
| Construction concentration (Tier 1 capital + allowance) | 51.64% |
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 | 7.57% |
| Interest income on loans | $2.9M |
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 | $184.2M | $166.0M | 4.65% | 7.05% | 33.78% |
| Q4 2023 | $175.6M | $156.5M | 4.48% | 6.72% | 33.08% |
| Q1 2024 | $168.8M | $155.3M | 4.59% | 6.36% | 31.89% |
| Q2 2024 | $163.3M | $150.3M | 4.55% | 6.51% | 30.27% |
| Q3 2024 | $160.3M | $149.9M | 4.09% | 6.33% | 29.06% |
| Q4 2024 | $156.9M | $142.1M | 4.18% | 6.31% | 27.75% |
| Q1 2025 | $150.7M | $146.3M | 4.15% | 6.40% | 26.29% |
| Q2 2025 | $158.3M | $139.5M | 9.53% | 6.04% | 23.63% |
| Q3 2025 | $155.6M | $136.6M | 9.95% | 5.92% | 22.42% |
| Q4 2025 | $152.7M | $135.1M | 10.11% | 6.40% | 21.50% |
| Q1 2026 | $152.8M | $137.5M | 10.87% | 6.72% | 20.12% |
| Q2 2026 | $151.9M | $136.8M | 11.06% | 6.66% | 19.25% |
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 12531) · FFIEC NIC profile (RSSD 712648)