The 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 Construction concentration (Tier 1 capital + allowance): 6.37 percentage points higher than in Q1 2026, at 11.75%. The Peoples Savings Bank has the 12th lowest loan-to-deposit ratio of the 156 banks headquartered in Ohio, at 54.79% as of Q2 2026. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Peoples Savings Bank sits 12.83 points lower, at 54.79% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $34.8M |
| Net loans and leases | $34.3M |
| Loans held for sale | $0 |
| Loans to total assets | 48.40% |
| Loan-to-deposit ratio | 54.79% |
| Net loans to equity capital | 4.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.39% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 3.80% |
| Consumer | 8.69% |
| Credit cards | 0.00% |
| Farm | 2.66% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 15.28% |
| Construction concentration (Tier 1 capital + allowance) | 11.75% |
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 | — |
| Interest income on loans | $558K |
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 | $30.5M | $59.7M | 5.56% | 4.36% | 10.46% |
| Q4 2023 | $31.3M | $61.0M | 5.92% | 4.42% | 10.85% |
| Q1 2024 | $31.9M | $59.4M | 6.12% | 4.32% | 10.47% |
| Q2 2024 | $32.1M | $58.4M | 6.80% | 4.01% | 11.10% |
| Q3 2024 | $32.6M | $57.6M | 5.95% | 3.82% | 9.63% |
| Q4 2024 | $33.1M | $58.5M | 6.46% | 3.68% | 9.10% |
| Q1 2025 | $34.2M | $59.0M | 6.19% | 3.77% | 8.91% |
| Q2 2025 | $33.6M | $63.0M | 5.96% | 3.91% | 8.84% |
| Q3 2025 | $33.8M | $59.6M | 5.76% | 3.71% | 8.64% |
| Q4 2025 | $34.3M | $59.5M | 5.54% | 3.40% | 8.75% |
| Q1 2026 | $34.4M | $59.7M | 5.47% | 3.55% | 8.80% |
| Q2 2026 | $34.8M | $63.5M | 5.39% | 3.80% | 8.69% |
The Peoples Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Peoples Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9439) · FFIEC NIC profile (RSSD 287922)