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.
Construction concentration (tier 1 capital + allowance) dropped 4.33 percentage points in Q2 2026, from 44.13% to 39.81%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Peoples Savings Bank is 42nd of 156 on loan-to-deposit ratio, 91.30% as of Q2 2026, above the middle of the field. The Peoples Savings Bank reported 91.30% on loan-to-deposit ratio for Q2 2026, 10.46 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $157.5M |
| Net loans and leases | $156.2M |
| Loans held for sale | $0 |
| Loans to total assets | 83.20% |
| Loan-to-deposit ratio | 91.30% |
| Net loans to equity capital | 9.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.77% |
| Multifamily (5+ residential) | 2.82% |
| Commercial and industrial | 1.62% |
| Consumer | 1.99% |
| Credit cards | 0.58% |
| Farm | 2.31% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 119.58% |
| Construction concentration (Tier 1 capital + allowance) | 39.81% |
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 | 6.08% |
| 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 | $127.1M | $129.5M | 14.53% | 1.56% | 2.00% |
| Q4 2023 | $129.8M | $130.0M | 14.03% | 1.62% | 2.20% |
| Q1 2024 | $130.3M | $135.9M | 13.56% | 2.12% | 2.45% |
| Q2 2024 | $133.3M | $136.9M | 13.37% | 2.28% | 2.77% |
| Q3 2024 | $135.2M | $141.5M | 13.13% | 2.36% | 2.53% |
| Q4 2024 | $138.0M | $136.7M | 14.71% | 2.11% | 2.43% |
| Q1 2025 | $139.1M | $148.6M | 15.42% | 2.18% | 2.30% |
| Q2 2025 | $142.9M | $152.5M | 15.44% | 2.07% | 2.25% |
| Q3 2025 | $152.4M | $159.1M | 16.94% | 1.73% | 2.16% |
| Q4 2025 | $157.2M | $162.0M | 16.39% | 1.71% | 2.05% |
| Q1 2026 | $156.8M | $167.0M | 16.62% | 1.65% | 1.99% |
| Q2 2026 | $157.5M | $172.5M | 15.77% | 1.62% | 1.99% |
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 29975) · FFIEC NIC profile (RSSD 819172)