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) climbed 9.41 percentage points in Q2 2026, from 192.69% to 202.10%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Peoples State Bank is 197th of 346 on loan-to-deposit ratio, 68.06% as of Q2 2026, below the middle of the field. Peoples State Bank reported 68.06% on loan-to-deposit ratio for Q2 2026, 12.78 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $101.9M |
| Net loans and leases | $100.9M |
| Loans held for sale | $0 |
| Loans to total assets | 56.25% |
| Loan-to-deposit ratio | 68.06% |
| Net loans to equity capital | 6.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.40% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 3.00% |
| Consumer | 5.27% |
| Credit cards | 0.00% |
| Farm | 5.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 202.10% |
| Construction concentration (Tier 1 capital + allowance) | 137.15% |
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 | 7.88% |
| Interest income on loans | $2.0M |
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 | $66.9M | $153.4M | 22.77% | 5.05% | 8.79% |
| Q4 2023 | $67.6M | $169.3M | 22.79% | 4.87% | 8.34% |
| Q1 2024 | $66.2M | $163.5M | 23.76% | 5.12% | 8.85% |
| Q2 2024 | $72.0M | $163.1M | 21.37% | 5.47% | 8.26% |
| Q3 2024 | $75.6M | $158.4M | 23.19% | 4.47% | 7.27% |
| Q4 2024 | $78.2M | $155.3M | 20.95% | 3.17% | 7.09% |
| Q1 2025 | $83.3M | $163.3M | 18.99% | 3.22% | 6.41% |
| Q2 2025 | $89.9M | $150.8M | 20.17% | 3.24% | 6.12% |
| Q3 2025 | $94.2M | $148.4M | 19.74% | 2.97% | 5.60% |
| Q4 2025 | $97.1M | $162.8M | 19.54% | 3.26% | 4.91% |
| Q1 2026 | $100.3M | $161.2M | 22.21% | 2.53% | 5.14% |
| Q2 2026 | $101.9M | $149.7M | 22.40% | 3.00% | 5.27% |
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 10345) · FFIEC NIC profile (RSSD 586960)