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: 2.61 percentage points higher than in Q1 2026, at 79.72%. Peoples Bank ranks 131st of 191 Missouri banks on loan-to-deposit ratio, in the lower half at 75.91% (Q2 2026). Peoples Bank reported 75.91% on loan-to-deposit ratio for Q2 2026, 4.65 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $74.1M |
| 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 | $17K |
| 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 | 75.91% |
| Net loans and leases to deposits | 75.06% |
| Loans and leases to core deposits | 79.72% |
| Core deposits to total deposits | 95.21% |
| 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 | 70.27% | 95.90% | $85K | $0 |
| Q4 2023 | 68.06% | 95.05% | $185K | $0 |
| Q1 2024 | 70.76% | 94.61% | $136K | $4.8M |
| Q2 2024 | 71.94% | 94.69% | $175K | $4.8M |
| Q3 2024 | 74.03% | 93.76% | $315K | $0 |
| Q4 2024 | 72.98% | 94.09% | $244K | $0 |
| Q1 2025 | 71.51% | 93.93% | $106K | $0 |
| Q2 2025 | 70.12% | 94.60% | $120K | $0 |
| Q3 2025 | 75.85% | 94.49% | $54K | $0 |
| Q4 2025 | 71.79% | 95.14% | $129K | $0 |
| Q1 2026 | 73.44% | 95.24% | $79K | $0 |
| Q2 2026 | 75.91% | 95.21% | $17K | $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 12230) · FFIEC NIC profile (RSSD 948250)