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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 7.93 percentage points higher than in Q1 2026, at 65.62%. Peoples Savings Bank ranks 177th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 65.62% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Peoples Savings Bank sits 15.22 points lower, at 65.62% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $350.2M |
| Net loans and leases | $345.9M |
| Loans held for sale | $376K |
| Loans to total assets | 57.37% |
| Loan-to-deposit ratio | 65.62% |
| Net loans to equity capital | 7.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.89% |
| Multifamily (5+ residential) | 3.24% |
| Commercial and industrial | 33.01% |
| Consumer | 0.54% |
| Credit cards | 0.00% |
| Farm | 10.71% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.84% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 101.33% |
| Construction concentration (Tier 1 capital + allowance) | 38.13% |
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 | 6.93% |
| Interest income on loans | $5.9M |
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 | $272.6M | $485.7M | 21.26% | 33.93% | 0.81% |
| Q4 2023 | $278.0M | $456.3M | 22.03% | 31.68% | 0.72% |
| Q1 2024 | $275.1M | $491.6M | 22.64% | 31.48% | 0.70% |
| Q2 2024 | $285.1M | $458.6M | 21.39% | 32.75% | 0.66% |
| Q3 2024 | $297.4M | $525.9M | 20.90% | 33.18% | 0.64% |
| Q4 2024 | $300.4M | $499.9M | 19.74% | 30.70% | 0.68% |
| Q1 2025 | $309.0M | $526.4M | 19.97% | 32.09% | 0.60% |
| Q2 2025 | $314.9M | $487.7M | 18.63% | 33.03% | 0.58% |
| Q3 2025 | $319.5M | $540.1M | 18.25% | 33.02% | 0.59% |
| Q4 2025 | $331.9M | $514.7M | 18.98% | 32.28% | 0.54% |
| Q1 2026 | $335.8M | $582.1M | 19.89% | 31.72% | 0.53% |
| Q2 2026 | $350.2M | $533.7M | 19.89% | 33.01% | 0.54% |
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 34973) · FFIEC NIC profile (RSSD 2732565)