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 CRE concentration (Tier 1 capital + allowance): 3.98 percentage points lower than in Q1 2026, at 117.71%. Peoples State Bank ranks 74th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 80.67% (Q2 2026). Peoples State Bank reported 80.67% on loan-to-deposit ratio for Q2 2026, 13.05 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $9.8M |
| Net loans and leases | $9.7M |
| Loans held for sale | $0 |
| Loans to total assets | 70.13% |
| Loan-to-deposit ratio | 80.67% |
| Net loans to equity capital | 5.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.83% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 35.92% |
| Consumer | 10.89% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 117.71% |
| 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 | — |
| Interest income on loans | $183K |
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 | $10.3M | $15.1M | 0.36% | 67.65% | 9.79% |
| Q4 2023 | $11.2M | $14.9M | 0.32% | 69.36% | 9.28% |
| Q1 2024 | $10.8M | $13.6M | 0.32% | 69.35% | 9.30% |
| Q2 2024 | $10.7M | $12.6M | 0.32% | 68.93% | 10.17% |
| Q3 2024 | $10.3M | $12.5M | 0.32% | 73.45% | 11.95% |
| Q4 2024 | $10.4M | $13.4M | 0.31% | 72.15% | 12.43% |
| Q1 2025 | $10.5M | $12.9M | 18.99% | 53.52% | 12.52% |
| Q2 2025 | $10.1M | $11.9M | 19.84% | 51.14% | 12.70% |
| Q3 2025 | $10.3M | $11.6M | 19.78% | 38.92% | 12.30% |
| Q4 2025 | $9.9M | $11.9M | 23.45% | 34.57% | 12.07% |
| Q1 2026 | $10.2M | $12.6M | 22.30% | 34.56% | 11.11% |
| Q2 2026 | $9.8M | $12.1M | 22.83% | 35.92% | 10.89% |
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 17138) · FFIEC NIC profile (RSSD 991854)