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: 254.7% higher than in Q1 2026, at $12.5M. Peoples Bank ranks 21st of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 95.71% (Q2 2026). Peoples Bank reported 95.71% on loan-to-deposit ratio for Q2 2026, 14.87 points above 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 | $40.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $63.5M |
| Fed funds sold and reverse repos | $17.2M |
| Fed funds sold and reverse repos to assets | 3.86% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $12.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.81% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.71% |
| Net loans and leases to deposits | 94.84% |
| Loans and leases to core deposits | 131.97% |
| Core deposits to total deposits | 72.52% |
| Brokered deposits to total deposits | 4.29% |
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 | 93.99% | 80.79% | $0 | $8.5M |
| Q4 2023 | 94.36% | 80.53% | $0 | $7.5M |
| Q1 2024 | 94.43% | 78.84% | $0 | $9.5M |
| Q2 2024 | 94.34% | 78.03% | $0 | $10.8M |
| Q3 2024 | 94.83% | 75.20% | $0 | $9.8M |
| Q4 2024 | 89.86% | 75.25% | $0 | $4.5M |
| Q1 2025 | 84.32% | 74.64% | $0 | $37K |
| Q2 2025 | 86.81% | 74.88% | $2.5M | $36K |
| Q3 2025 | 86.97% | 74.47% | $0 | $36K |
| Q4 2025 | 85.68% | 74.87% | $0 | $35K |
| Q1 2026 | 90.08% | 72.35% | $0 | $3.5M |
| Q2 2026 | 95.71% | 72.52% | $0 | $12.5M |
Peoples Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 Peoples Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9489) · FFIEC NIC profile (RSSD 148238)