Peoples Bank & Trust Company: 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.
Commercial and industrial climbed 19.41 percentage points in Q2 2026, from 16.23% to 35.64%. It was the largest change from Q1 2026 among the key lines here. Peoples Bank & Trust Company ranks 47th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 89.60% (Q2 2026). Peoples Bank & Trust Company reported 89.60% on loan-to-deposit ratio for Q2 2026, 21.67 points above the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $44.1M |
| Net loans and leases | $42.6M |
| Loans held for sale | $0 |
| Loans to total assets | 71.22% |
| Loan-to-deposit ratio | 89.60% |
| Net loans to equity capital | 4.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 51.59% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 35.64% |
| Consumer | 0.82% |
| Credit cards | 0.00% |
| Farm | 2.38% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 33.56% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 7.30% |
| Interest income on loans | $721K |
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 | $26.8M | $35.0M | 59.56% | 16.63% | 0.71% |
| Q4 2023 | $28.2M | $33.0M | 68.67% | 10.13% | 0.85% |
| Q1 2024 | $24.6M | $32.3M | 66.06% | 10.64% | 1.48% |
| Q2 2024 | $26.2M | $32.4M | 66.30% | 13.41% | 0.76% |
| Q3 2024 | $26.4M | $31.7M | 68.52% | 12.29% | 0.96% |
| Q4 2024 | $28.6M | $31.2M | 65.63% | 11.78% | 0.75% |
| Q1 2025 | $26.7M | $34.2M | 63.03% | 11.89% | 0.76% |
| Q2 2025 | $25.8M | $33.8M | 66.83% | 11.66% | 0.82% |
| Q3 2025 | $31.9M | $32.9M | 64.35% | 17.39% | 0.49% |
| Q4 2025 | $32.1M | $35.7M | 64.90% | 16.52% | 0.52% |
| Q1 2026 | $32.5M | $36.9M | 64.79% | 16.23% | 0.89% |
| Q2 2026 | $44.1M | $49.2M | 51.59% | 35.64% | 0.82% |
Peoples Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank & Trust Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2331) · FFIEC NIC profile (RSSD 243955)