Peoples Community 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 Commercial and industrial: 1.86 percentage points lower than in Q1 2026, at 5.50%. Peoples Community Bank ranks 104th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 83.25% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Peoples Community Bank reported 83.25% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $499.4M |
| Net loans and leases | $493.4M |
| Loans held for sale | $0 |
| Loans to total assets | 67.92% |
| Loan-to-deposit ratio | 83.25% |
| Net loans to equity capital | 3.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.43% |
| Multifamily (5+ residential) | 1.46% |
| Commercial and industrial | 5.50% |
| Consumer | 5.18% |
| Credit cards | 0.00% |
| Farm | 7.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.33% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 96.37% |
| Construction concentration (Tier 1 capital + allowance) | 28.47% |
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 | 7.53% |
| Interest income on loans | $9.4M |
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 | $459.4M | $538.6M | 18.63% | 13.33% | 7.91% |
| Q4 2023 | $453.1M | $546.4M | 18.51% | 13.57% | 7.51% |
| Q1 2024 | $452.3M | $559.4M | 18.32% | 13.58% | 7.06% |
| Q2 2024 | $451.2M | $578.8M | 17.92% | 13.31% | 6.73% |
| Q3 2024 | $460.7M | $567.7M | 17.60% | 13.84% | 6.40% |
| Q4 2024 | $456.5M | $572.4M | 17.94% | 14.08% | 6.12% |
| Q1 2025 | $461.6M | $588.6M | 19.32% | 14.04% | 5.90% |
| Q2 2025 | $465.2M | $585.9M | 19.49% | 11.81% | 5.88% |
| Q3 2025 | $478.1M | $576.1M | 23.84% | 7.04% | 5.81% |
| Q4 2025 | $486.3M | $572.1M | 22.56% | 6.60% | 5.51% |
| Q1 2026 | $492.7M | $584.7M | 22.55% | 7.36% | 5.34% |
| Q2 2026 | $499.4M | $599.8M | 22.43% | 5.50% | 5.18% |
Peoples Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Community 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 Peoples Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22394) · FFIEC NIC profile (RSSD 784159)