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 15.39 percentage points in Q2 2026, from 134.56% to 119.17%. It was the largest change from Q1 2026 among the key lines here. The Peoples Bank ranks 74th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 78.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; The Peoples Bank reported 78.52% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $104.1M |
| Net loans and leases | $102.7M |
| Loans held for sale | $0 |
| Loans to total assets | 71.84% |
| Loan-to-deposit ratio | 78.52% |
| Net loans to equity capital | 8.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.29% |
| Multifamily (5+ residential) | 3.86% |
| Commercial and industrial | 3.10% |
| Consumer | 2.31% |
| Credit cards | 0.00% |
| Farm | 5.80% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.85% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 183.10% |
| Construction concentration (Tier 1 capital + allowance) | 119.17% |
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 | 7.57% |
| Interest income on loans | $1.9M |
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 | $72.0M | $114.3M | 7.19% | 3.16% | 4.66% |
| Q4 2023 | $70.1M | $114.8M | 7.47% | 3.84% | 4.87% |
| Q1 2024 | $71.3M | $112.9M | 7.45% | 3.56% | 4.87% |
| Q2 2024 | $74.8M | $109.5M | 6.94% | 3.34% | 4.87% |
| Q3 2024 | $74.8M | $106.2M | 7.53% | 3.45% | 4.72% |
| Q4 2024 | $77.3M | $120.3M | 7.81% | 3.62% | 4.44% |
| Q1 2025 | $83.6M | $123.0M | 7.07% | 3.63% | 4.03% |
| Q2 2025 | $87.2M | $118.1M | 7.17% | 3.69% | 3.57% |
| Q3 2025 | $88.8M | $115.6M | 7.01% | 3.60% | 3.30% |
| Q4 2025 | $96.6M | $123.3M | 6.30% | 3.10% | 2.79% |
| Q1 2026 | $101.4M | $130.8M | 6.45% | 3.09% | 2.50% |
| Q2 2026 | $104.1M | $132.6M | 7.29% | 3.10% | 2.31% |
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 1566) · FFIEC NIC profile (RSSD 76443)