Peoples Bank & Trust Co.: 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): 26.43 percentage points lower than in Q1 2026, at 159.68%. Peoples Bank & Trust Co. ranks 167th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 62.24% (Q2 2026). Peoples Bank & Trust Co. reported 62.24% on loan-to-deposit ratio for Q2 2026, 18.70 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $497.5M |
| Net loans and leases | $489.4M |
| Loans held for sale | $299K |
| Loans to total assets | 54.77% |
| Loan-to-deposit ratio | 62.24% |
| Net loans to equity capital | 6.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.16% |
| Multifamily (5+ residential) | 6.42% |
| Commercial and industrial | 10.27% |
| Consumer | 2.62% |
| Credit cards | 0.00% |
| Farm | 6.84% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.66% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 159.68% |
| Construction concentration (Tier 1 capital + allowance) | 56.61% |
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 | $7.8M |
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 | $387.3M | $643.2M | 39.89% | 7.50% | 5.83% |
| Q4 2023 | $398.0M | $712.5M | 37.50% | 9.14% | 5.85% |
| Q1 2024 | $409.2M | $719.6M | 37.92% | 6.79% | 5.68% |
| Q2 2024 | $420.7M | $732.5M | 36.24% | 6.83% | 5.58% |
| Q3 2024 | $437.0M | $719.2M | 35.17% | 6.92% | 5.07% |
| Q4 2024 | $447.4M | $771.3M | 34.83% | 7.22% | 5.54% |
| Q1 2025 | $472.4M | $786.8M | 33.04% | 7.33% | 4.96% |
| Q2 2025 | $470.6M | $755.7M | 33.37% | 7.72% | 4.99% |
| Q3 2025 | $475.7M | $752.0M | 32.75% | 7.87% | 4.82% |
| Q4 2025 | $495.0M | $807.9M | 32.49% | 7.52% | 4.37% |
| Q1 2026 | $494.1M | $800.6M | 36.09% | 7.88% | 4.07% |
| Q2 2026 | $497.5M | $799.3M | 39.16% | 10.27% | 2.62% |
Peoples Bank & Trust Co. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank & Trust Co., 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 Peoples Bank & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8903) · FFIEC NIC profile (RSSD 909055)