The Peoples State Bank of Newton, Illinois: 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 Net loans to equity capital: 1.40 percentage points lower than in Q1 2026, at 5.67%. Within Illinois, The Peoples State Bank of Newton, Illinois is 85th of 323 on loan-to-deposit ratio, 86.70% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Peoples State Bank of Newton, Illinois sits 5.87 points higher, at 86.70% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $501.1M |
| Net loans and leases | $494.3M |
| Loans held for sale | $194K |
| Loans to total assets | 68.01% |
| Loan-to-deposit ratio | 86.70% |
| Net loans to equity capital | 5.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.96% |
| Multifamily (5+ residential) | 0.54% |
| Commercial and industrial | 19.56% |
| Consumer | 2.70% |
| Credit cards | 0.00% |
| Farm | 25.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.91% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 7.49% |
| Construction concentration (Tier 1 capital + allowance) | 4.98% |
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 | 6.57% |
| Interest income on loans | $8.1M |
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 | $407.6M | $522.9M | 18.94% | 18.62% | 3.43% |
| Q4 2023 | $424.7M | $558.6M | 18.54% | 18.54% | 3.26% |
| Q1 2024 | $436.1M | $570.3M | 18.61% | 19.39% | 3.18% |
| Q2 2024 | $458.8M | $574.8M | 17.23% | 21.60% | 3.05% |
| Q3 2024 | $464.1M | $578.6M | 16.92% | 21.79% | 2.98% |
| Q4 2024 | $475.1M | $579.0M | 17.34% | 20.82% | 2.95% |
| Q1 2025 | $471.2M | $580.4M | 17.34% | 20.70% | 2.90% |
| Q2 2025 | $481.9M | $574.8M | 16.84% | 20.27% | 2.84% |
| Q3 2025 | $483.1M | $580.0M | 16.69% | 20.01% | 2.84% |
| Q4 2025 | $510.4M | $563.1M | 18.51% | 19.38% | 2.67% |
| Q1 2026 | $501.3M | $575.0M | 18.72% | 19.56% | 2.59% |
| Q2 2026 | $501.1M | $577.9M | 18.96% | 19.56% | 2.70% |
The Peoples State Bank of Newton, Illinois loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples State Bank of Newton, Illinois, 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 The Peoples State Bank of Newton, Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11722) · FFIEC NIC profile (RSSD 326344)