The Peoples Savings and Loan Company: 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 2.55 percentage points in Q2 2026, from 8.21% to 10.76%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The Peoples Savings and Loan Company is 16th from the bottom among 156 Ohio banks, 57.55% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Peoples Savings and Loan Company sits 23.29 points lower, at 57.55% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $72.6M |
| Net loans and leases | $72.4M |
| Loans held for sale | $0 |
| Loans to total assets | 46.16% |
| Loan-to-deposit ratio | 57.55% |
| Net loans to equity capital | 2.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.86% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.46% |
| Consumer | 3.86% |
| Credit cards | 0.00% |
| Farm | 0.62% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 10.76% |
| Construction concentration (Tier 1 capital + allowance) | 6.60% |
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 | 5.27% |
| Interest income on loans | $959K |
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 | $62.3M | $118.1M | 1.79% | 5.65% | 4.25% |
| Q4 2023 | $64.2M | $119.5M | 1.72% | 5.68% | 5.99% |
| Q1 2024 | $63.5M | $123.1M | 1.94% | 6.14% | 6.14% |
| Q2 2024 | $64.5M | $117.4M | 2.20% | 5.82% | 5.99% |
| Q3 2024 | $64.9M | $124.9M | 2.17% | 5.46% | 5.73% |
| Q4 2024 | $64.5M | $125.3M | 2.12% | 6.30% | 5.64% |
| Q1 2025 | $64.8M | $124.9M | 2.09% | 7.16% | 5.31% |
| Q2 2025 | $67.8M | $125.9M | 1.97% | 8.18% | 5.25% |
| Q3 2025 | $69.5M | $126.6M | 1.90% | 7.76% | 4.69% |
| Q4 2025 | $71.3M | $125.8M | 1.84% | 7.31% | 4.45% |
| Q1 2026 | $71.8M | $129.6M | 1.69% | 7.16% | 3.86% |
| Q2 2026 | $72.6M | $126.2M | 1.86% | 7.46% | 3.86% |
The Peoples Savings and Loan Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples Savings and Loan Company, 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 Savings and Loan Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29813) · FFIEC NIC profile (RSSD 605571)