First & Peoples Bank and Trust Company: 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.
Cash and balances due from depository institutions dropped 22.9% in Q2 2026, from $12.9M to $9.9M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First & Peoples Bank and Trust Company is 6th from the bottom among 120 Kentucky banks, 47.98% (Q2 2026). First & Peoples Bank and Trust Company reported 47.98% on loan-to-deposit ratio for Q2 2026, 32.86 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $99.9M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 47.98% |
| Net loans and leases to deposits | 45.93% |
| Loans and leases to core deposits | 50.25% |
| Core deposits to total deposits | 95.48% |
| Brokered deposits to total deposits | 0.00% |
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 | 61.62% | 98.56% | $0 | $13.8M |
| Q4 2023 | 57.48% | 98.52% | $0 | $5.4M |
| Q1 2024 | 57.26% | 98.24% | $0 | $5.5M |
| Q2 2024 | 55.95% | 97.84% | $0 | $0 |
| Q3 2024 | 56.61% | 97.72% | $0 | $2.9M |
| Q4 2024 | 50.67% | 97.15% | $0 | $0 |
| Q1 2025 | 49.50% | 96.52% | $0 | $0 |
| Q2 2025 | 48.02% | 96.50% | $0 | $0 |
| Q3 2025 | 48.36% | 96.36% | $0 | $0 |
| Q4 2025 | 47.71% | 95.83% | $0 | $0 |
| Q1 2026 | 46.29% | 95.91% | $0 | $0 |
| Q2 2026 | 47.98% | 95.48% | $0 | $0 |
First & Peoples Bank and Trust Company 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 and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8122) · FFIEC NIC profile (RSSD 391418)