Pikes Peak National 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 Commercial and industrial: 3.39 percentage points higher than in Q1 2026, at 9.09%. Within Colorado, Pikes Peak National Bank is 35th of 63 on loan-to-deposit ratio, 79.61% as of Q2 2026, below the middle of the field. At 79.61%, Pikes Peak National Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $74.1M |
| Net loans and leases | $73.0M |
| Loans held for sale | $0 |
| Loans to total assets | 66.90% |
| Loan-to-deposit ratio | 79.61% |
| Net loans to equity capital | 4.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 71.77% |
| Multifamily (5+ residential) | 9.07% |
| Commercial and industrial | 9.09% |
| Consumer | 1.19% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 174.52% |
| Construction concentration (Tier 1 capital + allowance) | 12.76% |
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 | 6.99% |
| Interest income on loans | $1.3M |
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 | $63.9M | $92.8M | 70.99% | 4.96% | 0.26% |
| Q4 2023 | $65.1M | $94.3M | 71.85% | 4.41% | 0.27% |
| Q1 2024 | $63.5M | $87.1M | 76.61% | 4.41% | 0.24% |
| Q2 2024 | $62.7M | $85.1M | 75.82% | 4.46% | 0.44% |
| Q3 2024 | $64.4M | $84.7M | 76.67% | 4.72% | 0.39% |
| Q4 2024 | $64.4M | $85.4M | 74.87% | 4.64% | 0.42% |
| Q1 2025 | $67.4M | $87.0M | 76.14% | 4.40% | 0.38% |
| Q2 2025 | $69.9M | $89.7M | 75.76% | 4.23% | 0.33% |
| Q3 2025 | $70.8M | $94.3M | 73.85% | 5.42% | 0.27% |
| Q4 2025 | $70.7M | $92.4M | 73.23% | 6.10% | 0.81% |
| Q1 2026 | $71.9M | $93.1M | 73.60% | 5.70% | 1.00% |
| Q2 2026 | $74.1M | $93.1M | 71.77% | 9.09% | 1.19% |
Pikes Peak National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pikes Peak National 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 Pikes Peak National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17782) · FFIEC NIC profile (RSSD 643658)