Peru Federal Savings 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 Loan-to-deposit ratio: 2.40 percentage points higher than in Q1 2026, at 64.98%. Peru Federal Savings Bank ranks 229th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 64.98% (Q2 2026). Peru Federal Savings Bank reported 64.98% on loan-to-deposit ratio for Q2 2026, 15.86 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $112.3M |
| Net loans and leases | $111.4M |
| Loans held for sale | $0 |
| Loans to total assets | 53.85% |
| Loan-to-deposit ratio | 64.98% |
| Net loans to equity capital | 3.41% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.78% |
| Multifamily (5+ residential) | 3.05% |
| Commercial and industrial | 5.27% |
| Consumer | 2.97% |
| Credit cards | 0.00% |
| Farm | 1.34% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 47.70% |
| Construction concentration (Tier 1 capital + allowance) | 3.95% |
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 | 5.74% |
| Interest income on loans | $1.6M |
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 | $89.2M | $180.3M | 15.31% | 5.14% | 3.29% |
| Q4 2023 | $91.4M | $163.2M | 15.52% | 5.47% | 3.31% |
| Q1 2024 | $91.9M | $167.1M | 16.30% | 5.54% | 3.30% |
| Q2 2024 | $92.0M | $167.9M | 16.70% | 5.26% | 3.67% |
| Q3 2024 | $96.0M | $165.6M | 17.98% | 5.05% | 3.79% |
| Q4 2024 | $96.9M | $166.7M | 18.10% | 4.80% | 3.60% |
| Q1 2025 | $100.3M | $172.9M | 20.91% | 5.09% | 3.81% |
| Q2 2025 | $106.2M | $175.1M | 23.14% | 5.78% | 3.90% |
| Q3 2025 | $109.8M | $168.7M | 22.97% | 5.46% | 3.88% |
| Q4 2025 | $109.6M | $172.1M | 22.89% | 5.20% | 3.40% |
| Q1 2026 | $109.9M | $175.6M | 23.60% | 5.00% | 3.23% |
| Q2 2026 | $112.3M | $172.8M | 23.78% | 5.27% | 2.97% |
Peru Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peru Federal Savings 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 Peru Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29384) · FFIEC NIC profile (RSSD 305077)