People's Bank and Trust Company of Pickett County: 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.
Loans and leases to core deposits climbed 4.59 percentage points in Q2 2026, from 99.12% to 103.71%. It was the largest change from Q1 2026 among the key lines here. People's Bank and Trust Company of Pickett County ranks 42nd of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 86.73% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. People's Bank and Trust Company of Pickett County sits 5.89 points higher, at 86.73% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $65.2M |
| Fed funds sold and reverse repos | $34.2M |
| Fed funds sold and reverse repos to assets | 10.72% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| 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 | 86.73% |
| Net loans and leases to deposits | 85.74% |
| Loans and leases to core deposits | 103.71% |
| Core deposits to total deposits | 83.63% |
| 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 | 87.10% | 87.23% | $0 | $0 |
| Q4 2023 | 83.81% | 87.37% | $0 | $0 |
| Q1 2024 | 82.28% | 86.96% | $0 | $0 |
| Q2 2024 | 82.67% | 86.68% | $0 | $0 |
| Q3 2024 | 84.01% | 86.30% | $0 | $0 |
| Q4 2024 | 83.18% | 85.35% | $0 | $0 |
| Q1 2025 | 81.08% | 84.54% | $0 | $0 |
| Q2 2025 | 81.24% | 84.91% | $0 | $0 |
| Q3 2025 | 82.10% | 84.63% | $0 | $0 |
| Q4 2025 | 81.51% | 84.58% | $0 | $0 |
| Q1 2026 | 84.02% | 84.77% | $0 | $0 |
| Q2 2026 | 86.73% | 83.63% | $0 | $0 |
People's Bank and Trust Company of Pickett County liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock People's Bank and Trust Company of Pickett County, 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 People's Bank and Trust Company of Pickett County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22756) · FFIEC NIC profile (RSSD 942539)