Peoples Exchange 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.
Cre concentration (tier 1 capital + allowance) climbed 2.15 percentage points in Q2 2026, from 118.64% to 120.80%. It was the largest change from Q1 2026 among the key lines here. Peoples Exchange Bank ranks 61st of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 61.32% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Peoples Exchange Bank sits 6.30 points lower, at 61.32% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $53.1M |
| Net loans and leases | $52.4M |
| Loans held for sale | $0 |
| Loans to total assets | 53.88% |
| Loan-to-deposit ratio | 61.32% |
| Net loans to equity capital | 4.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.37% |
| Multifamily (5+ residential) | 0.08% |
| Commercial and industrial | 19.46% |
| Consumer | 5.11% |
| Credit cards | 0.00% |
| Farm | 10.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 120.80% |
| Construction concentration (Tier 1 capital + allowance) | 4.27% |
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 | 7.50% |
| Interest income on loans | $1.0M |
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 | $54.4M | $87.1M | 31.28% | 20.22% | 7.39% |
| Q4 2023 | $54.9M | $88.4M | 30.78% | 20.38% | 6.69% |
| Q1 2024 | $56.2M | $86.3M | 31.18% | 20.14% | 6.56% |
| Q2 2024 | $59.1M | $87.7M | 32.30% | 20.77% | 6.15% |
| Q3 2024 | $58.8M | $88.1M | 31.76% | 21.39% | 5.78% |
| Q4 2024 | $55.5M | $83.7M | 31.97% | 21.21% | 5.99% |
| Q1 2025 | $55.2M | $86.4M | 30.23% | 22.18% | 5.55% |
| Q2 2025 | $55.6M | $84.5M | 30.65% | 21.07% | 5.42% |
| Q3 2025 | $54.7M | $83.8M | 30.78% | 20.94% | 5.19% |
| Q4 2025 | $53.5M | $85.4M | 30.42% | 20.78% | 5.06% |
| Q1 2026 | $53.1M | $85.8M | 31.15% | 20.34% | 5.17% |
| Q2 2026 | $53.1M | $86.6M | 32.37% | 19.46% | 5.11% |
Peoples Exchange Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Exchange 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 70) · FFIEC NIC profile (RSSD 42037)