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 Loan-to-deposit ratio: 10.35 percentage points higher than in Q1 2026, at 88.38%. Within Ohio, Peoples State Bank is 54th of 156 on loan-to-deposit ratio, 88.38% as of Q2 2026, above the middle of the field. Peoples State Bank reported 88.38% on loan-to-deposit ratio for Q2 2026, 7.54 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $227.0M |
| Net loans and leases | $225.5M |
| Loans held for sale | $0 |
| Loans to total assets | 79.22% |
| Loan-to-deposit ratio | 88.38% |
| Net loans to equity capital | 9.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.40% |
| Multifamily (5+ residential) | 3.33% |
| Commercial and industrial | 3.79% |
| Consumer | 5.99% |
| Credit cards | 0.30% |
| Farm | 1.53% |
| Loans to depository institutions | 0.75% |
| State and political subdivisions | 1.44% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 101.44% |
| Construction concentration (Tier 1 capital + allowance) | 38.52% |
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 | 6.45% |
| Interest income on loans | $3.6M |
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 | $144.6M | $201.3M | 14.68% | 4.01% | 10.43% |
| Q4 2023 | $147.7M | $201.7M | 14.92% | 2.82% | 9.63% |
| Q1 2024 | $151.8M | $204.2M | 15.09% | 2.85% | 10.24% |
| Q2 2024 | $156.2M | $208.3M | 14.66% | 3.09% | 9.96% |
| Q3 2024 | $162.4M | $217.3M | 14.64% | 3.69% | 9.36% |
| Q4 2024 | $186.7M | $245.3M | 14.56% | 3.63% | 8.32% |
| Q1 2025 | $193.5M | $248.9M | 14.08% | 3.85% | 7.68% |
| Q2 2025 | $198.4M | $253.2M | 14.75% | 3.61% | 7.21% |
| Q3 2025 | $201.0M | $257.1M | 14.25% | 3.76% | 7.02% |
| Q4 2025 | $209.6M | $255.3M | 13.83% | 3.80% | 6.70% |
| Q1 2026 | $218.0M | $279.3M | 14.57% | 3.81% | 6.24% |
| Q2 2026 | $227.0M | $256.8M | 15.40% | 3.79% | 5.99% |
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 6659) · FFIEC NIC profile (RSSD 431323)