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 3.65 percentage points in Q2 2026, from 43.79% to 40.14%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Peoples State Bank is 311th of 346 on loan-to-deposit ratio, 35.94% as of Q2 2026, below the middle of the field. Against a median of 80.84% for banks in the $100M-1B asset tier, Peoples State Bank reported 35.94% on loan-to-deposit ratio in Q2 2026, 44.90 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $45.5M |
| Net loans and leases | $45.3M |
| Loans held for sale | $0 |
| Loans to total assets | 32.48% |
| Loan-to-deposit ratio | 35.94% |
| Net loans to equity capital | 3.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.64% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.02% |
| Consumer | 5.34% |
| Credit cards | 0.00% |
| Farm | 42.80% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.79% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 40.14% |
| Construction concentration (Tier 1 capital + allowance) | 1.65% |
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 | 6.11% |
| Interest income on loans | $679K |
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 | $52.1M | $107.3M | 11.39% | 4.07% | 4.66% |
| Q4 2023 | $52.9M | $111.9M | 12.33% | 3.99% | 4.54% |
| Q1 2024 | $51.3M | $127.1M | 12.71% | 4.17% | 4.24% |
| Q2 2024 | $52.5M | $122.7M | 12.28% | 3.91% | 4.55% |
| Q3 2024 | $50.2M | $124.2M | 12.44% | 3.88% | 4.86% |
| Q4 2024 | $49.3M | $173.0M | 12.19% | 4.07% | 5.85% |
| Q1 2025 | $48.6M | $135.6M | 12.00% | 4.23% | 4.66% |
| Q2 2025 | $47.9M | $138.1M | 12.49% | 4.42% | 5.24% |
| Q3 2025 | $44.7M | $132.7M | 12.27% | 3.99% | 5.14% |
| Q4 2025 | $44.8M | $134.3M | 14.80% | 3.81% | 5.44% |
| Q1 2026 | $44.1M | $129.4M | 14.85% | 3.53% | 5.42% |
| Q2 2026 | $45.5M | $126.5M | 13.64% | 4.02% | 5.34% |
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 15939) · FFIEC NIC profile (RSSD 660066)