The 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 Construction concentration (Tier 1 capital + allowance): 4.29 percentage points higher than in Q1 2026, at 43.97%. Within Wisconsin, The Peoples Community Bank is 126th of 153 on loan-to-deposit ratio, 73.69% as of Q2 2026, below the middle of the field. The Peoples Community Bank reported 73.69% on loan-to-deposit ratio for Q2 2026, 7.15 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $250.3M |
| Net loans and leases | $246.9M |
| Loans held for sale | $1.0M |
| Loans to total assets | 64.39% |
| Loan-to-deposit ratio | 73.69% |
| Net loans to equity capital | 5.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.72% |
| Multifamily (5+ residential) | 2.53% |
| Commercial and industrial | 6.80% |
| Consumer | 1.86% |
| Credit cards | 0.47% |
| Farm | 13.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.53% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 145.09% |
| Construction concentration (Tier 1 capital + allowance) | 43.97% |
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 | 6.76% |
| Interest income on loans | $4.1M |
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 | $214.4M | $316.9M | 28.34% | 6.94% | 2.63% |
| Q4 2023 | $223.3M | $321.5M | 27.16% | 6.96% | 2.44% |
| Q1 2024 | $224.6M | $314.9M | 28.78% | 7.46% | 2.41% |
| Q2 2024 | $228.1M | $312.1M | 28.91% | 7.00% | 2.28% |
| Q3 2024 | $219.2M | $324.3M | 29.15% | 7.09% | 2.60% |
| Q4 2024 | $223.7M | $335.8M | 28.91% | 6.92% | 2.51% |
| Q1 2025 | $223.2M | $333.0M | 29.24% | 7.01% | 2.39% |
| Q2 2025 | $231.5M | $325.2M | 28.38% | 8.33% | 2.28% |
| Q3 2025 | $237.1M | $340.7M | 28.80% | 7.02% | 2.40% |
| Q4 2025 | $239.7M | $345.2M | 33.06% | 6.55% | 2.14% |
| Q1 2026 | $244.7M | $344.7M | 34.60% | 6.59% | 2.17% |
| Q2 2026 | $250.3M | $339.7M | 33.72% | 6.80% | 1.86% |
The Peoples Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Peoples Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15046) · FFIEC NIC profile (RSSD 420644)