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 Loan-to-deposit ratio: 3.66 percentage points higher than in Q1 2026, at 93.02%. Within Washington, Peoples Bank is 13th of 29 on loan-to-deposit ratio, 93.02% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Peoples Bank sits 4.82 points higher, at 93.02% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $318.7M |
| Cash and noninterest-bearing balances to assets | 13.18% |
| Cash and securities | $418.7M |
| 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 | 93.02% |
| Net loans and leases to deposits | 91.62% |
| Loans and leases to core deposits | 98.15% |
| Core deposits to total deposits | 94.78% |
| 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 | 85.37% | 95.71% | $0 | $0 |
| Q4 2023 | 87.97% | 94.65% | $0 | $0 |
| Q1 2024 | 91.44% | 93.78% | $0 | $0 |
| Q2 2024 | 91.93% | 93.30% | $0 | $0 |
| Q3 2024 | 91.89% | 93.07% | $0 | $0 |
| Q4 2024 | 90.81% | 93.40% | $0 | $0 |
| Q1 2025 | 91.88% | 93.19% | $0 | $0 |
| Q2 2025 | 94.66% | 92.73% | $0 | $0 |
| Q3 2025 | 92.75% | 93.00% | $0 | $0 |
| Q4 2025 | 92.64% | 93.26% | $0 | $0 |
| Q1 2026 | 89.36% | 94.21% | $0 | $0 |
| Q2 2026 | 93.02% | 94.78% | $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 6158) · FFIEC NIC profile (RSSD 455972)