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.
Cre concentration (tier 1 capital + allowance) dropped 13.03 percentage points in Q2 2026, from 246.30% to 233.27%. It was the largest change from Q1 2026 among the key lines here. Peoples State Bank ranks 47th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 96.50% (Q2 2026). Peoples State Bank reported 96.50% on loan-to-deposit ratio for Q2 2026, 8.30 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.15B |
| Net loans and leases | $1.13B |
| Loans held for sale | $0 |
| Loans to total assets | 76.41% |
| Loan-to-deposit ratio | 96.50% |
| Net loans to equity capital | 7.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.02% |
| Multifamily (5+ residential) | 5.93% |
| Commercial and industrial | 13.15% |
| Consumer | 0.42% |
| Credit cards | 0.00% |
| Farm | 0.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.72% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 233.27% |
| Construction concentration (Tier 1 capital + allowance) | 51.03% |
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 | $17.6M |
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 | $1.11B | $1.19B | 41.79% | 11.94% | 0.37% |
| Q4 2023 | $1.09B | $1.16B | 41.94% | 10.62% | 0.38% |
| Q1 2024 | $1.09B | $1.13B | 41.64% | 10.72% | 0.42% |
| Q2 2024 | $1.09B | $1.17B | 41.35% | 10.94% | 0.39% |
| Q3 2024 | $1.07B | $1.15B | 42.47% | 10.57% | 0.42% |
| Q4 2024 | $1.09B | $1.16B | 42.44% | 10.68% | 0.43% |
| Q1 2025 | $1.11B | $1.14B | 42.76% | 11.24% | 0.39% |
| Q2 2025 | $1.12B | $1.19B | 42.40% | 11.84% | 0.41% |
| Q3 2025 | $1.13B | $1.20B | 42.66% | 12.17% | 0.40% |
| Q4 2025 | $1.11B | $1.19B | 42.22% | 12.54% | 0.41% |
| Q1 2026 | $1.13B | $1.20B | 44.62% | 12.73% | 0.38% |
| Q2 2026 | $1.15B | $1.19B | 45.02% | 13.15% | 0.42% |
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 18569) · FFIEC NIC profile (RSSD 340144)