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.
Fed funds sold and reverse repos dropped 100.0% in Q2 2026, from $2.0M to $0. It was the largest change from Q1 2026 among the key lines here. Peoples Bank ranks 150th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 73.55% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Peoples Bank sits 7.29 points lower, at 73.55% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $158.9M |
| 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 | $20.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.79% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.55% |
| Net loans and leases to deposits | 72.88% |
| Loans and leases to core deposits | 83.56% |
| Core deposits to total deposits | 88.01% |
| Brokered deposits to total deposits | 5.07% |
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 | 74.09% | 82.89% | $0 | $16.5M |
| Q4 2023 | 78.80% | 84.78% | $0 | $34.8M |
| Q1 2024 | 74.45% | 81.89% | $0 | $13.9M |
| Q2 2024 | 73.64% | 83.06% | $0 | $13.9M |
| Q3 2024 | 72.74% | 85.07% | $0 | $18.8M |
| Q4 2024 | 71.62% | 86.01% | $0 | $9.1M |
| Q1 2025 | 72.08% | 90.83% | $0 | $12.4M |
| Q2 2025 | 73.70% | 90.93% | $0 | $25.5M |
| Q3 2025 | 77.63% | 87.28% | $0 | $36.2M |
| Q4 2025 | 75.35% | 88.39% | $0 | $18.8M |
| Q1 2026 | 73.60% | 88.48% | $0 | $20.1M |
| Q2 2026 | 73.55% | 88.01% | $0 | $20.1M |
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 14692) · FFIEC NIC profile (RSSD 968249)