Peoples State Bank of Plainview: 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 4.20 percentage points in Q2 2026, from 66.57% to 62.37%. It was the largest change from Q1 2026 among the key lines here. Peoples State Bank of Plainview ranks 133rd of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 75.93% (Q2 2026). Peoples State Bank of Plainview reported 75.93% on loan-to-deposit ratio for Q2 2026, 4.91 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $298.6M |
| Net loans and leases | $295.1M |
| Loans held for sale | $1.4M |
| Loans to total assets | 69.58% |
| Loan-to-deposit ratio | 75.93% |
| Net loans to equity capital | 10.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.37% |
| Multifamily (5+ residential) | 1.38% |
| Commercial and industrial | 12.22% |
| Consumer | 4.13% |
| Credit cards | 0.00% |
| Farm | 13.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.63% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 62.37% |
| Construction concentration (Tier 1 capital + allowance) | 43.21% |
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 | 6.76% |
| Interest income on loans | $5.0M |
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 | $231.7M | $315.0M | 16.36% | 11.33% | 5.20% |
| Q4 2023 | $235.6M | $317.6M | 16.32% | 9.66% | 5.24% |
| Q1 2024 | $239.3M | $314.3M | 16.79% | 10.57% | 5.04% |
| Q2 2024 | $249.7M | $326.8M | 15.86% | 11.66% | 4.90% |
| Q3 2024 | $255.5M | $344.2M | 15.97% | 11.22% | 4.80% |
| Q4 2024 | $259.3M | $349.0M | 15.57% | 10.95% | 4.81% |
| Q1 2025 | $259.4M | $350.5M | 15.69% | 10.57% | 5.31% |
| Q2 2025 | $265.8M | $351.0M | 15.79% | 11.79% | 5.11% |
| Q3 2025 | $270.6M | $358.9M | 15.89% | 11.02% | 4.96% |
| Q4 2025 | $274.0M | $371.9M | 16.17% | 10.60% | 4.88% |
| Q1 2026 | $287.4M | $370.6M | 18.85% | 11.03% | 4.48% |
| Q2 2026 | $298.6M | $393.2M | 19.37% | 12.22% | 4.13% |
Peoples State Bank of Plainview loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State Bank of Plainview, 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 of Plainview profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1100) · FFIEC NIC profile (RSSD 786555)