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.
Other borrowed money climbed 28.4% in Q2 2026, from $50.6M to $65.0M. It was the largest change from Q1 2026 among the key lines here. Within Indiana, Peoples Bank is 37th of 87 on loan-to-deposit ratio, 86.82% as of Q2 2026. At 86.82%, Peoples Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $94.6M |
| Cash and noninterest-bearing balances to assets | 4.59% |
| Cash and securities | $404.8M |
| Fed funds sold and reverse repos | $988K |
| Fed funds sold and reverse repos to assets | 0.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $30.3M |
| Other borrowed money | $65.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.19% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.82% |
| Net loans and leases to deposits | 85.80% |
| Loans and leases to core deposits | 92.52% |
| Core deposits to total deposits | 93.82% |
| Brokered deposits to total deposits | 0.01% |
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 | 85.47% | 91.44% | $48.3M | $100.0M |
| Q4 2023 | 83.25% | 92.40% | $38.1M | $80.0M |
| Q1 2024 | 86.15% | 92.37% | $41.1M | $90.0M |
| Q2 2024 | 85.62% | 92.09% | $43.0M | $85.0M |
| Q3 2024 | 86.20% | 91.86% | $43.0M | $85.0M |
| Q4 2024 | 85.59% | 92.08% | $40.1M | $65.0M |
| Q1 2025 | 85.22% | 92.33% | $45.1M | $56.7M |
| Q2 2025 | 84.57% | 92.26% | $48.3M | $65.0M |
| Q3 2025 | 84.25% | 93.08% | $48.4M | $55.0M |
| Q4 2025 | 84.02% | 94.03% | $39.2M | $45.6M |
| Q1 2026 | 84.62% | 93.82% | $40.2M | $50.6M |
| Q2 2026 | 86.82% | 93.82% | $30.3M | $65.0M |
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 29523) · FFIEC NIC profile (RSSD 568470)