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 3.08 percentage points in Q2 2026, from 5.64% to 8.72%. It was the largest change from Q1 2026 among the key lines here. Among 156 Ohio banks, The Peoples Savings and Loan Company sits 5th from the top on loan-to-deposit ratio, 121.44% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, The Peoples Savings and Loan Company reported 121.44% on loan-to-deposit ratio in Q2 2026, 40.60 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $96.0M |
| Net loans and leases | $95.2M |
| Loans held for sale | $0 |
| Loans to total assets | 87.36% |
| Loan-to-deposit ratio | 121.44% |
| Net loans to equity capital | 9.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.76% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 1.60% |
| Consumer | 1.66% |
| Credit cards | 0.00% |
| Farm | 8.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 8.72% |
| Construction concentration (Tier 1 capital + allowance) | 8.72% |
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 | $1.3M |
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 | $84.9M | $64.2M | 9.63% | 1.23% | 2.31% |
| Q4 2023 | $86.2M | $63.8M | 10.40% | 1.32% | 2.25% |
| Q1 2024 | $88.1M | $65.5M | 10.61% | 1.58% | 2.24% |
| Q2 2024 | $90.3M | $67.8M | 10.20% | 1.52% | 2.03% |
| Q3 2024 | $91.2M | $70.8M | 10.01% | 1.39% | 1.89% |
| Q4 2024 | $94.1M | $72.1M | 10.77% | 1.46% | 1.75% |
| Q1 2025 | $96.4M | $74.8M | 10.44% | 1.34% | 1.73% |
| Q2 2025 | $97.7M | $76.6M | 10.58% | 1.62% | 1.75% |
| Q3 2025 | $95.1M | $76.2M | 10.76% | 1.32% | 1.92% |
| Q4 2025 | $97.0M | $77.5M | 10.64% | 1.33% | 2.06% |
| Q1 2026 | $96.5M | $78.2M | 11.27% | 1.61% | 1.78% |
| Q2 2026 | $96.0M | $79.1M | 10.76% | 1.60% | 1.66% |
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 30889) · FFIEC NIC profile (RSSD 943273)