Peoples State 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 CRE concentration (Tier 1 capital + allowance): 4.73 percentage points higher than in Q1 2026, at 120.07%. Within Wisconsin, Peoples State Bank is 106th of 153 on loan-to-deposit ratio, 79.72% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Peoples State Bank reported 79.72% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $646.4M |
| Net loans and leases | $636.9M |
| Loans held for sale | $0 |
| Loans to total assets | 65.10% |
| Loan-to-deposit ratio | 79.72% |
| Net loans to equity capital | 6.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.07% |
| Multifamily (5+ residential) | 3.60% |
| Commercial and industrial | 11.23% |
| Consumer | 1.45% |
| Credit cards | 0.00% |
| Farm | 27.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.81% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 120.07% |
| Construction concentration (Tier 1 capital + allowance) | 24.36% |
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 | 6.59% |
| Interest income on loans | $10.4M |
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 | $508.8M | $758.0M | 15.21% | 10.39% | 1.61% |
| Q4 2023 | $524.7M | $775.9M | 16.37% | 10.31% | 1.58% |
| Q1 2024 | $550.4M | $758.7M | 15.66% | 11.22% | 1.58% |
| Q2 2024 | $561.8M | $752.5M | 16.14% | 10.65% | 1.62% |
| Q3 2024 | $556.6M | $768.2M | 14.54% | 10.53% | 1.60% |
| Q4 2024 | $553.6M | $777.9M | 15.04% | 11.07% | 1.61% |
| Q1 2025 | $572.3M | $795.4M | 15.27% | 12.20% | 1.49% |
| Q2 2025 | $571.5M | $796.6M | 15.15% | 11.97% | 1.59% |
| Q3 2025 | $584.4M | $778.3M | 15.67% | 11.86% | 1.56% |
| Q4 2025 | $615.8M | $779.1M | 18.23% | 11.23% | 1.44% |
| Q1 2026 | $637.6M | $792.0M | 18.58% | 11.88% | 1.44% |
| Q2 2026 | $646.4M | $810.8M | 19.07% | 11.23% | 1.45% |
Peoples State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12814) · FFIEC NIC profile (RSSD 262844)