Peoplessouth 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): 6.34 percentage points lower than in Q1 2026, at 232.10%. Within Georgia, Peoplessouth Bank is 67th of 122 on loan-to-deposit ratio, 78.08% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Peoplessouth Bank sits 10.12 points lower, at 78.08% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $873.9M |
| Net loans and leases | $862.4M |
| Loans held for sale | $0 |
| Loans to total assets | 71.92% |
| Loan-to-deposit ratio | 78.08% |
| Net loans to equity capital | 10.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.23% |
| Multifamily (5+ residential) | 2.64% |
| Commercial and industrial | 9.13% |
| Consumer | 1.96% |
| Credit cards | 0.00% |
| Farm | 7.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 232.10% |
| Construction concentration (Tier 1 capital + allowance) | 100.09% |
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 | 7.25% |
| Interest income on loans | $15.4M |
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 | $733.9M | $1.05B | 32.80% | 8.29% | 2.77% |
| Q4 2023 | $728.2M | $1.07B | 33.65% | 8.34% | 2.64% |
| Q1 2024 | $714.4M | $1.05B | 34.04% | 8.23% | 2.64% |
| Q2 2024 | $749.5M | $1.06B | 33.99% | 8.15% | 2.58% |
| Q3 2024 | $774.3M | $1.07B | 32.69% | 8.39% | 2.49% |
| Q4 2024 | $765.2M | $1.05B | 33.20% | 8.54% | 2.43% |
| Q1 2025 | $763.9M | $1.05B | 33.56% | 8.48% | 2.22% |
| Q2 2025 | $796.0M | $1.07B | 33.90% | 8.31% | 2.22% |
| Q3 2025 | $803.1M | $1.09B | 32.87% | 8.25% | 2.08% |
| Q4 2025 | $814.7M | $1.08B | 32.26% | 9.48% | 2.02% |
| Q1 2026 | $839.1M | $1.12B | 31.93% | 9.20% | 2.01% |
| Q2 2026 | $873.9M | $1.12B | 29.23% | 9.13% | 1.96% |
Peoplessouth Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoplessouth 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 Peoplessouth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21292) · FFIEC NIC profile (RSSD 518037)