Peoples Independent 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) dropped 27.01 percentage points in Q2 2026, from 209.96% to 182.95%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Peoples Independent Bank is 9th from the bottom among 93 Alabama banks, 42.95% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Peoples Independent Bank sits 37.89 points lower, at 42.95% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $189.6M |
| Net loans and leases | $187.8M |
| Loans held for sale | $0 |
| Loans to total assets | 39.03% |
| Loan-to-deposit ratio | 42.95% |
| Net loans to equity capital | 4.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.80% |
| Multifamily (5+ residential) | 1.63% |
| Commercial and industrial | 9.27% |
| Consumer | 2.68% |
| Credit cards | 0.00% |
| Farm | 2.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.69% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 182.95% |
| Construction concentration (Tier 1 capital + allowance) | 42.60% |
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 | 7.54% |
| Interest income on loans | $3.7M |
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 | $187.3M | $391.0M | 43.70% | 14.45% | 3.51% |
| Q4 2023 | $191.9M | $387.3M | 42.64% | 14.59% | 3.35% |
| Q1 2024 | $189.0M | $401.2M | 42.97% | 15.71% | 3.25% |
| Q2 2024 | $187.8M | $396.6M | 46.91% | 14.76% | 3.26% |
| Q3 2024 | $190.7M | $400.0M | 46.28% | 14.38% | 3.30% |
| Q4 2024 | $192.0M | $412.0M | 44.00% | 14.56% | 2.90% |
| Q1 2025 | $190.4M | $416.8M | 44.03% | 13.82% | 2.81% |
| Q2 2025 | $191.9M | $419.9M | 41.92% | 13.12% | 2.87% |
| Q3 2025 | $203.0M | $432.5M | 42.01% | 12.37% | 2.87% |
| Q4 2025 | $198.2M | $432.1M | 46.30% | 9.50% | 2.80% |
| Q1 2026 | $200.0M | $442.3M | 45.59% | 9.06% | 2.63% |
| Q2 2026 | $189.6M | $441.3M | 44.80% | 9.27% | 2.68% |
Peoples Independent Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Independent 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 Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27233) · FFIEC NIC profile (RSSD 1188987)