Peoples Savings 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 7.39 percentage points in Q2 2026, from 38.21% to 45.60%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Peoples Savings Bank is 30th of 225 on loan-to-deposit ratio, 101.18% as of Q2 2026, above the middle of the field. Peoples Savings Bank reported 101.18% on loan-to-deposit ratio for Q2 2026, 20.34 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $143.6M |
| Net loans and leases | $142.2M |
| Loans held for sale | $0 |
| Loans to total assets | 75.95% |
| Loan-to-deposit ratio | 101.18% |
| Net loans to equity capital | 8.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.76% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 16.22% |
| Consumer | 2.97% |
| Credit cards | 0.00% |
| Farm | 15.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.64% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 45.60% |
| Construction concentration (Tier 1 capital + allowance) | 6.37% |
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 | 6.91% |
| Interest income on loans | $2.4M |
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 | $121.5M | $131.7M | 14.05% | 22.02% | 4.63% |
| Q4 2023 | $126.9M | $136.7M | 14.05% | 21.97% | 4.31% |
| Q1 2024 | $130.7M | $138.2M | 14.22% | 22.14% | 3.83% |
| Q2 2024 | $132.6M | $135.6M | 14.65% | 20.96% | 3.75% |
| Q3 2024 | $133.3M | $129.4M | 15.18% | 19.94% | 3.45% |
| Q4 2024 | $140.3M | $139.5M | 15.73% | 19.44% | 3.23% |
| Q1 2025 | $144.9M | $152.7M | 15.83% | 18.79% | 3.00% |
| Q2 2025 | $147.2M | $147.1M | 15.76% | 18.84% | 2.82% |
| Q3 2025 | $145.0M | $146.7M | 16.77% | 17.39% | 2.77% |
| Q4 2025 | $141.1M | $149.9M | 15.93% | 17.09% | 2.78% |
| Q1 2026 | $139.2M | $145.9M | 15.84% | 16.32% | 2.83% |
| Q2 2026 | $143.6M | $142.0M | 16.76% | 16.22% | 2.97% |
Peoples Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14868) · FFIEC NIC profile (RSSD 136048)