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.
Cash and balances due from depository institutions dropped 41.4% in Q2 2026, from $22.1M to $12.9M. It was the largest change from Q1 2026 among the key lines here. Peoples Bank ranks 23rd of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 103.33% (Q2 2026). Peoples Bank reported 103.33% on loan-to-deposit ratio for Q2 2026, 15.12 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $130.0M |
| 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 | $5.7M |
| Other borrowed money | $51.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.11% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.33% |
| Net loans and leases to deposits | 101.97% |
| Loans and leases to core deposits | 117.36% |
| Core deposits to total deposits | 81.05% |
| Brokered deposits to total deposits | 6.99% |
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 | 101.64% | 83.73% | $0 | $40.0M |
| Q4 2023 | 100.14% | 82.73% | $1.6M | $23.0M |
| Q1 2024 | 100.06% | 83.66% | $829K | $25.1M |
| Q2 2024 | 97.90% | 83.95% | $992K | $6.4M |
| Q3 2024 | 94.32% | 84.65% | $0 | $0 |
| Q4 2024 | 94.27% | 85.40% | $0 | $0 |
| Q1 2025 | 97.85% | 86.52% | $6.0M | $10.5M |
| Q2 2025 | 100.04% | 86.07% | $3.1M | $39.3M |
| Q3 2025 | 102.08% | 84.57% | $9.2M | $50.2M |
| Q4 2025 | 100.46% | 83.41% | $2.0M | $35.7M |
| Q1 2026 | 101.59% | 82.89% | $8.4M | $38.6M |
| Q2 2026 | 103.33% | 81.05% | $5.7M | $51.5M |
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 16265) · FFIEC NIC profile (RSSD 998844)