Peoples National Bank, N.A.: 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.
Construction concentration (tier 1 capital + allowance) dropped 25.89 percentage points in Q2 2026, from 50.08% to 24.20%. It was the largest change from Q1 2026 among the key lines here. Among 323 Illinois banks, Peoples National Bank, N.A. sits 19th from the top on loan-to-deposit ratio, 99.75% as of Q2 2026. Peoples National Bank, N.A. reported 99.75% on loan-to-deposit ratio for Q2 2026, 11.55 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.84B |
| Net loans and leases | $1.82B |
| Loans held for sale | $3.4M |
| Loans to total assets | 88.27% |
| Loan-to-deposit ratio | 99.75% |
| Net loans to equity capital | 10.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.47% |
| Multifamily (5+ residential) | 5.08% |
| Commercial and industrial | 22.15% |
| Consumer | 0.18% |
| Credit cards | 0.00% |
| Farm | 17.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.75% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 261.19% |
| Construction concentration (Tier 1 capital + allowance) | 24.20% |
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 | 6.47% |
| Interest income on loans | $29.1M |
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 | $1.43B | $1.55B | 35.28% | 19.20% | 0.32% |
| Q4 2023 | $1.49B | $1.48B | 34.19% | 18.43% | 0.29% |
| Q1 2024 | $1.52B | $1.52B | 36.38% | 19.41% | 0.26% |
| Q2 2024 | $1.56B | $1.54B | 35.12% | 19.67% | 0.26% |
| Q3 2024 | $1.62B | $1.63B | 34.59% | 19.73% | 0.25% |
| Q4 2024 | $1.66B | $1.71B | 34.40% | 19.59% | 0.23% |
| Q1 2025 | $1.65B | $1.68B | 34.20% | 20.69% | 0.23% |
| Q2 2025 | $1.69B | $1.70B | 34.51% | 20.99% | 0.23% |
| Q3 2025 | $1.76B | $1.78B | 34.33% | 21.18% | 0.22% |
| Q4 2025 | $1.81B | $1.77B | 33.55% | 21.25% | 0.21% |
| Q1 2026 | $1.79B | $1.82B | 33.85% | 21.94% | 0.20% |
| Q2 2026 | $1.84B | $1.84B | 35.47% | 22.15% | 0.18% |
Peoples National Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples National Bank, N.A., 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 National Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3809) · FFIEC NIC profile (RSSD 375043)