First Peoples Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Other borrowed money: 87.0% higher than in Q1 2026, at $10.8M. First Peoples Bank ranks 18th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 93.99% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Peoples Bank sits 13.15 points higher, at 93.99% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $70.0M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.39% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.99% |
| Net loans and leases to deposits | 92.62% |
| Loans and leases to core deposits | 98.67% |
| Core deposits to total deposits | 93.94% |
| Brokered deposits to total deposits | 1.32% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 84.73% | 92.86% | $0 | $6.0M |
| Q4 2023 | 75.99% | 93.43% | $0 | $0 |
| Q1 2024 | 84.22% | 91.53% | $0 | $5.0M |
| Q2 2024 | 85.62% | 91.61% | $0 | $0 |
| Q3 2024 | 88.65% | 87.99% | $0 | $750K |
| Q4 2024 | 80.71% | 92.31% | $0 | $750K |
| Q1 2025 | 87.24% | 85.20% | $0 | $5.8M |
| Q2 2025 | 92.03% | 89.70% | $0 | $15.8M |
| Q3 2025 | 89.76% | 89.98% | $0 | $15.8M |
| Q4 2025 | 80.01% | 94.71% | $0 | $5.8M |
| Q1 2026 | 92.52% | 95.30% | $0 | $5.8M |
| Q2 2026 | 93.99% | 93.94% | $0 | $10.8M |
First Peoples Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Peoples Bank, freeSource: Call Report Schedules RC and RC-M, 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 First Peoples Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33010) · FFIEC NIC profile (RSSD 1459799)