The Peoples Bank, Biloxi, Mississippi: 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 58.1% in Q2 2026, from $57.4M to $24.1M. It was the largest change from Q1 2026 among the key lines here. The Peoples Bank, Biloxi, Mississippi has the 3rd lowest loan-to-deposit ratio of the 57 banks headquartered in Mississippi, at 45.43% as of Q2 2026. The Peoples Bank, Biloxi, Mississippi reported 45.43% on loan-to-deposit ratio for Q2 2026, 35.41 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $438.5M |
| 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 | $38.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 45.43% |
| Net loans and leases to deposits | 44.92% |
| Loans and leases to core deposits | 46.38% |
| Core deposits to total deposits | 97.95% |
| 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 | 31.43% | 98.98% | $0 | $0 |
| Q4 2023 | 34.61% | 98.91% | $0 | $18.5M |
| Q1 2024 | 29.11% | 99.22% | $30.0M | $0 |
| Q2 2024 | 35.32% | 99.13% | $0 | $76.5M |
| Q3 2024 | 35.87% | 97.76% | $0 | $30.0M |
| Q4 2024 | 32.40% | 97.15% | $0 | $0 |
| Q1 2025 | 30.80% | 97.75% | $0 | $0 |
| Q2 2025 | 38.52% | 97.93% | $0 | $0 |
| Q3 2025 | 39.61% | 98.02% | $0 | $0 |
| Q4 2025 | 43.60% | 97.75% | $0 | $800K |
| Q1 2026 | 40.34% | 98.12% | $0 | $0 |
| Q2 2026 | 45.43% | 97.95% | $0 | $38.5M |
The Peoples Bank, Biloxi, Mississippi liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples Bank, Biloxi, Mississippi, 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 The Peoples Bank, Biloxi, Mississippi profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 340) · FFIEC NIC profile (RSSD 870539)