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 Commercial and industrial: 1.01 percentage points higher than in Q1 2026, at 8.60%. On loan-to-deposit ratio, Peoples State Bank ranks 5th highest among the 182 banks headquartered in Kansas, at 118.87% (Q2 2026). Against a median of 67.62% for banks in the < $100M asset tier, Peoples State Bank reported 118.87% on loan-to-deposit ratio in Q2 2026, 51.24 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $20.7M |
| Net loans and leases | $20.5M |
| Loans held for sale | $0 |
| Loans to total assets | 88.13% |
| Loan-to-deposit ratio | 118.87% |
| Net loans to equity capital | 4.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.14% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.60% |
| Consumer | 4.13% |
| Credit cards | 0.00% |
| Farm | 14.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 17.32% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 7.55% |
| Interest income on loans | $395K |
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 | $14.7M | $12.3M | 3.27% | 24.09% | 5.44% |
| Q4 2023 | $16.0M | $12.4M | 2.98% | 21.83% | 4.68% |
| Q1 2024 | $16.5M | $13.4M | 1.92% | 21.37% | 4.16% |
| Q2 2024 | $16.3M | $13.2M | 3.18% | 3.34% | 5.85% |
| Q3 2024 | $16.4M | $14.2M | 3.24% | 3.69% | 5.50% |
| Q4 2024 | $18.1M | $14.8M | 3.01% | 3.56% | 5.35% |
| Q1 2025 | $17.7M | $15.4M | 3.02% | 4.14% | 5.13% |
| Q2 2025 | $16.4M | $14.8M | 3.20% | 3.19% | 5.69% |
| Q3 2025 | $18.0M | $13.8M | 2.86% | 9.19% | 5.52% |
| Q4 2025 | $21.1M | $17.9M | 3.92% | 8.26% | 4.54% |
| Q1 2026 | $21.4M | $18.0M | 3.97% | 7.59% | 4.33% |
| Q2 2026 | $20.7M | $17.4M | 4.14% | 8.60% | 4.13% |
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 16744) · FFIEC NIC profile (RSSD 741358)