PeoplesBank: 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 7.93 percentage points in Q2 2026, from 281.56% to 273.63%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, PeoplesBank is 30th of 89 on loan-to-deposit ratio, 100.27% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. PeoplesBank sits 12.07 points higher, at 100.27% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.52B |
| Net loans and leases | $3.50B |
| Loans held for sale | $0 |
| Loans to total assets | 76.19% |
| Loan-to-deposit ratio | 100.27% |
| Net loans to equity capital | 8.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.90% |
| Multifamily (5+ residential) | 10.94% |
| Commercial and industrial | 8.88% |
| Consumer | 11.35% |
| Credit cards | 0.00% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.49% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 273.63% |
| Construction concentration (Tier 1 capital + allowance) | 24.19% |
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 | 5.24% |
| Interest income on loans | $46.2M |
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 | $3.07B | $3.36B | 26.89% | 11.03% | 7.24% |
| Q4 2023 | $3.20B | $3.17B | 25.62% | 10.98% | 7.63% |
| Q1 2024 | $3.30B | $3.43B | 24.64% | 11.00% | 10.06% |
| Q2 2024 | $3.35B | $3.63B | 25.01% | 11.25% | 9.82% |
| Q3 2024 | $3.36B | $3.65B | 25.36% | 11.18% | 10.18% |
| Q4 2024 | $3.39B | $3.36B | 25.37% | 10.86% | 10.42% |
| Q1 2025 | $3.41B | $3.47B | 25.21% | 10.59% | 10.79% |
| Q2 2025 | $3.42B | $3.45B | 25.40% | 10.31% | 10.76% |
| Q3 2025 | $3.46B | $3.52B | 24.90% | 9.84% | 10.64% |
| Q4 2025 | $3.51B | $3.61B | 24.77% | 9.86% | 10.59% |
| Q1 2026 | $3.56B | $3.47B | 23.93% | 9.71% | 11.23% |
| Q2 2026 | $3.52B | $3.51B | 23.90% | 8.88% | 11.35% |
PeoplesBank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock PeoplesBank, 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 PeoplesBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90213) · FFIEC NIC profile (RSSD 613400)