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 Core deposits to total deposits: 0.94 percentage points higher than in Q1 2026, at 91.62%. Within North Carolina, Peoples Bank is 22nd of 38 on loan-to-deposit ratio, 81.66% as of Q2 2026, below the middle of the field. Peoples Bank reported 81.66% on loan-to-deposit ratio for Q2 2026, 6.54 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $60.9M |
| Cash and noninterest-bearing balances to assets | 3.45% |
| Cash and securities | $425.4M |
| 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 | 81.66% |
| Net loans and leases to deposits | 80.99% |
| Loans and leases to core deposits | 89.13% |
| Core deposits to total deposits | 91.62% |
| 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 | 78.13% | 88.43% | $83.0M | $0 |
| Q4 2023 | 78.48% | 89.24% | $86.7M | $0 |
| Q1 2024 | 76.21% | 89.69% | $59.2M | $0 |
| Q2 2024 | 75.26% | 89.89% | $18.8M | $0 |
| Q3 2024 | 75.96% | 90.24% | $8.4M | $0 |
| Q4 2024 | 76.69% | 90.11% | $0 | $0 |
| Q1 2025 | 75.88% | 90.17% | $0 | $0 |
| Q2 2025 | 76.52% | 90.00% | $0 | $0 |
| Q3 2025 | 76.23% | 89.60% | $0 | $0 |
| Q4 2025 | 79.80% | 89.38% | $0 | $0 |
| Q1 2026 | 80.74% | 90.68% | $0 | $0 |
| Q2 2026 | 81.66% | 91.62% | $0 | $0 |
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 5956) · FFIEC NIC profile (RSSD 220527)