Peoples Community Bank SB of Monticello, Indiana: 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.
Loan-to-deposit ratio climbed 5.40 percentage points in Q2 2026, from 200.46% to 205.86%. It was the largest change from Q1 2026 among the key lines here. Peoples Community Bank SB of Monticello, Indiana has the highest loan-to-deposit ratio of the 87 banks headquartered in Indiana, 205.86% as of Q2 2026. Against a median of 67.62% for banks in the < $100M asset tier, Peoples Community Bank SB of Monticello, Indiana reported 205.86% on loan-to-deposit ratio in Q2 2026, 138.24 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $40.0M |
| Net loans and leases | $39.7M |
| Loans held for sale | $0 |
| Loans to total assets | 93.73% |
| Loan-to-deposit ratio | 205.86% |
| Net loans to equity capital | 2.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.54% |
| Multifamily (5+ residential) | 1.44% |
| Commercial and industrial | 3.94% |
| Consumer | 2.97% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 12.16% |
| Construction concentration (Tier 1 capital + allowance) | 6.18% |
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 | 6.03% |
| Interest income on loans | $605K |
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 | $36.6M | $17.2M | 15.05% | 2.91% | 3.05% |
| Q4 2023 | $36.9M | $16.5M | 13.78% | 3.08% | 2.92% |
| Q1 2024 | $36.4M | $17.3M | 12.26% | 3.08% | 3.12% |
| Q2 2024 | $36.7M | $16.9M | 11.21% | 3.80% | 3.35% |
| Q3 2024 | $35.5M | $17.8M | 8.51% | 3.65% | 3.56% |
| Q4 2024 | $37.1M | $18.6M | 9.29% | 3.94% | 3.78% |
| Q1 2025 | $36.9M | $19.1M | 9.27% | 4.50% | 4.16% |
| Q2 2025 | $38.8M | $19.7M | 8.63% | 3.12% | 4.13% |
| Q3 2025 | $39.9M | $20.6M | 8.31% | 3.44% | 3.41% |
| Q4 2025 | $41.2M | $20.9M | 10.35% | 3.42% | 3.21% |
| Q1 2026 | $39.8M | $19.8M | 8.35% | 4.17% | 2.98% |
| Q2 2026 | $40.0M | $19.5M | 8.54% | 3.94% | 2.97% |
Peoples Community Bank SB of Monticello, Indiana loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Community Bank SB of Monticello, Indiana, 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 SB of Monticello, Indiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30065) · FFIEC NIC profile (RSSD 654579)