Peoplestrust 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.
CRE concentration (Tier 1 capital + allowance) dropped 9.58 percentage points in Q2 2026, from 138.29% to 128.71%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Peoplestrust Bank is 34th of 93 on loan-to-deposit ratio, 75.26% as of Q2 2026. Peoplestrust Bank reported 75.26% on loan-to-deposit ratio for Q2 2026, 5.29 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $133.6M |
| Net loans and leases | $131.6M |
| Loans held for sale | $0 |
| Loans to total assets | 66.41% |
| Loan-to-deposit ratio | 75.26% |
| Net loans to equity capital | 6.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.79% |
| Multifamily (5+ residential) | 1.16% |
| Commercial and industrial | 27.77% |
| Consumer | 7.24% |
| Credit cards | 0.00% |
| Farm | 4.62% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.55% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 128.71% |
| Construction concentration (Tier 1 capital + allowance) | 42.47% |
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 | 7.23% |
| Interest income on loans | $2.4M |
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 | $123.4M | $150.2M | 25.18% | 29.99% | 9.60% |
| Q4 2023 | $126.4M | $162.3M | 24.65% | 30.16% | 9.67% |
| Q1 2024 | $128.3M | $163.7M | 25.88% | 29.84% | 9.13% |
| Q2 2024 | $127.9M | $165.4M | 26.21% | 29.57% | 9.26% |
| Q3 2024 | $130.7M | $165.8M | 25.15% | 30.59% | 9.22% |
| Q4 2024 | $131.8M | $168.4M | 24.27% | 30.00% | 8.70% |
| Q1 2025 | $135.9M | $171.8M | 22.60% | 30.36% | 7.88% |
| Q2 2025 | $134.8M | $172.9M | 24.06% | 30.23% | 7.65% |
| Q3 2025 | $137.0M | $172.3M | 22.96% | 29.98% | 7.49% |
| Q4 2025 | $134.3M | $173.8M | 21.87% | 29.30% | 7.15% |
| Q1 2026 | $136.1M | $174.5M | 21.04% | 28.67% | 7.21% |
| Q2 2026 | $133.6M | $177.6M | 20.79% | 27.77% | 7.24% |
Peoplestrust Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoplestrust 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 Peoplestrust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57569) · FFIEC NIC profile (RSSD 3282012)