Peoples Bank and Trust Company: 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 Other borrowed money: 81.2% lower than in Q1 2026, at $2.7M. Peoples Bank and Trust Company ranks 84th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 77.00% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Peoples Bank and Trust Company sits 11.20 points lower, at 77.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $77.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $404.6M |
| 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 | $27.2M |
| Other borrowed money | $2.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.17% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.00% |
| Net loans and leases to deposits | 75.66% |
| Loans and leases to core deposits | 85.42% |
| Core deposits to total deposits | 88.54% |
| Brokered deposits to total deposits | 1.60% |
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 | 79.91% | 91.35% | $50.2M | $114.3M |
| Q4 2023 | 79.73% | 90.55% | $49.4M | $122.6M |
| Q1 2024 | 77.86% | 89.61% | $50.5M | $86.5M |
| Q2 2024 | 82.30% | 89.34% | $50.1M | $137.3M |
| Q3 2024 | 85.54% | 88.58% | $47.9M | $172.3M |
| Q4 2024 | 86.72% | 89.09% | $21.2M | $192.8M |
| Q1 2025 | 80.71% | 86.79% | $21.3M | $92.0M |
| Q2 2025 | 80.29% | 87.51% | $14.6M | $82.0M |
| Q3 2025 | 80.48% | 87.25% | $12.1M | $91.7M |
| Q4 2025 | 80.00% | 87.66% | $14.9M | $65.2M |
| Q1 2026 | 77.11% | 88.11% | $16.6M | $14.4M |
| Q2 2026 | 77.00% | 88.54% | $27.2M | $2.7M |
Peoples Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1365) · FFIEC NIC profile (RSSD 153353)