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 Fed funds purchased and repos: 37.2% lower than in Q1 2026, at $14.4M. Within Ohio, Peoples Bank is 44th of 156 on loan-to-deposit ratio, 90.89% 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 2.69 points higher, at 90.89% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $177.0M |
| Cash and noninterest-bearing balances to assets | 1.85% |
| Cash and securities | $1.93B |
| Fed funds sold and reverse repos | $1.2M |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $14.4M |
| Other borrowed money | $698.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.33% |
| Trading liabilities | $9.9M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.89% |
| Net loans and leases to deposits | 89.85% |
| Loans and leases to core deposits | 96.12% |
| Core deposits to total deposits | 91.55% |
| Brokered deposits to total deposits | 3.01% |
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 | 86.03% | 87.85% | $103.7M | $609.0M |
| Q4 2023 | 85.74% | 87.60% | $99.9M | $664.4M |
| Q1 2024 | 84.25% | 87.82% | $91.1M | $605.4M |
| Q2 2024 | 86.21% | 88.95% | $26.7M | $637.9M |
| Q3 2024 | 83.44% | 87.92% | $14.6M | $345.2M |
| Q4 2024 | 83.23% | 87.45% | $18.4M | $358.3M |
| Q1 2025 | 82.71% | 88.82% | $19.2M | $181.9M |
| Q2 2025 | 85.96% | 88.51% | $23.4M | $550.2M |
| Q3 2025 | 85.47% | 89.08% | $14.2M | $440.7M |
| Q4 2025 | 87.22% | 89.09% | $20.3M | $588.1M |
| Q1 2026 | 88.00% | 91.04% | $22.9M | $636.3M |
| Q2 2026 | 90.89% | 91.55% | $14.4M | $698.3M |
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 6544) · FFIEC NIC profile (RSSD 577128)