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 Loans and leases to core deposits: 10.90 percentage points lower than in Q1 2026, at 96.81%. Within Mississippi, Peoples Bank is 7th of 57 on loan-to-deposit ratio, 88.29% as of Q2 2026, above the middle of the field. Peoples Bank reported 88.29% on loan-to-deposit ratio for Q2 2026, 7.45 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 | $29.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $75.4M |
| 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 | $1.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.24% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.29% |
| Net loans and leases to deposits | 86.95% |
| Loans and leases to core deposits | 96.81% |
| Core deposits to total deposits | 87.77% |
| Brokered deposits to total deposits | 3.43% |
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 | 88.77% | 90.79% | $0 | $2.7M |
| Q4 2023 | 96.85% | 91.32% | $0 | $26.4M |
| Q1 2024 | 93.53% | 89.79% | $0 | $20.0M |
| Q2 2024 | 89.40% | 89.80% | $0 | $2.4M |
| Q3 2024 | 88.92% | 88.77% | $0 | $1.5M |
| Q4 2024 | 91.11% | 88.84% | $0 | $3.6M |
| Q1 2025 | 92.66% | 88.68% | $0 | $1.5M |
| Q2 2025 | 89.14% | 88.15% | $0 | $1.5M |
| Q3 2025 | 90.46% | 89.24% | $0 | $1.4M |
| Q4 2025 | 97.54% | 88.77% | $0 | $25.8M |
| Q1 2026 | 97.07% | 90.05% | $0 | $31.2M |
| Q2 2026 | 88.29% | 87.77% | $0 | $1.2M |
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 9366) · FFIEC NIC profile (RSSD 70638)